23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who Acceptance Rentals Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Acceptance Rentals Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Acceptance Rentals Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Acceptance Rentals Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Acceptance Rentals Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded
Product: Mortgage

UPON MY REVIEW OF THE ATTACHED EXHIBIT ( EXHIBIT E ) I REALIZED THAT I NEVER SAW THIS DOCUMENT, NOR DID I SIGN IT. MY SIGNATURE ON THIS DOCUMENT IS A FABRICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is reporting the account attached incorrectly. The open date on XXXX and Experian is XX/XX/2015 and on XXXX its XX/XX/2015. The past due amount on XXXX  and Experian is XXXX and on XXXX its XXXX. On XXXX and Experian it shows 120 days past due and on XXXX it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Product: Mortgage

My TIAA HELOC ( serviced by XXXX XXXX ) was taken over by Everbank ( still serviced by XXXX XXXX ) and on XX/XX/2023 I received an email saying that the newly designed mortgage website had launched that that it would include, " improved user experience, enhanced tools and features, secure statement storage ''. But when I tried to make a payment to principal on my HELOC it said that was not available. I called customer service that they stated that when the HELOCs were transferred, they failed to include the payment option. I was able to make the payment over the phone. Then, the cyber attack happened and I was locked out of my account for a week. When the site came back up on XX/XX/2023, I logged in to find out what my interest only payment would be, but the website again showed {$0.00} and no ability to make a payment. On XX/XX/2023 the interest payment of {$3600.00} was deducted from my checking account. I can't even access my banking info, in terms of what account is linked and if autopay is even set up. Only after poking around and locating my statement did I see that was where the amount was listed. Ever since XXXX took over servicing this loan from TIAA, my access to my HELOC and ability to make principal payment has gotten more and more difficult. I feel this is in breach of the agreement that TIAA made with me when I got my HELOC with them. I was supposed to be able to make payments online anytime. This process has only gotten more difficult as time has passed. I just want Everbank to hold up their end of the agreement and give me the access that was promised. Which is : the ability to fully service my account online by being able to make payments whenever I need to, and be able to manage my linked bank account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I got email XXXX XX/XX/XXXX. I saw they pulled my creditXX/XX/XXXX BMW XXXX 2 time XX/XX/2020 and One BMW XXXX XX/XX/2020. So, I tried to call XXXX XXXX XXXX 5 time. So, called customer and we talk about 3 minutes. XXXX XXXX XXXX and we talk, some pulled my credit 3 time XXXX XXXX XXXX. You need to talk to Finance Direct Department XXXX XXXX. So, I sent Mr XXXX an phone 2 time XX/XX/2020, XX/XX/2020 and 2 time XX/XX/2020. Mr XXXX and want call him back. The pulled my credit 3 time.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced XXXX  XXXX. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Student loan

Please know this is in regards to a closed/paid in full account.On all three credit bureaus my account with XXXX is showing a delinquency beginning XX/XX/XXXX, which is reporting as 60  days late. I had reached out to XXXX to request verification of when my account first went delinquent through their online website. I never received a response from them. I feel I have the right to know and seek validation. On their site I did verify my pay off date as XX/XX/XXXX and on the same document is says my account had " 0 '' delinquent days. Therefore, I would like to obtain verification since all three credit bureaus are reporting 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX and 120  days late as of XX/XX/XXXX. This is adversely effecting my credit ratings with the bureaus. Also I do not understand why if my account is closed that they would still be producing letters to send to the IRS. My account is closed with them and there should be no further documentation produced in reference to a loan that was paid off.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presun + that no proof of the alleged debt, nor therefore any such bankruptcies, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, and XXXX  I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also XXXX XXXX XXXX XXXX XXXX account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXX XXXX XXXX XXXXXXXX does not own this collection, but still showing that they do. 
XXXX XXXX  I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020
Product: Mortgage

My mortgage company has been some my advance payment a miscellaneous account then telling me I'm behind I notice that since the pandemic a lot of good company people are doing bad things like fraud and embezzlement has become a common practice here in the South their are systematically discriminating in handling people Money.
Product: Debt collection

Bear with me, my name is XXXX XXXX LVNV Funding or Resurgent Capital Services or Resurgent Debt Collection, all one company operating under different alias ' claim that I owe them upwards of at least {$25000.00} and I have never opened an account with them, applied for an account with them, nor did I willingly give them my Name, number, social, email or mailing address, therefore they stole all my identity and are now using it to extort me out of money that they claim I owe them. I'm aware of my rights and I stand on them so as a surety I mailed them a " Cease and Desist '' letter on XXXX XXXX, 2023, they continued to harass me, therefor an invoice and a list of violations they committed were mailed to them.
Product: Credit card

Dear Sir or Madam, I 'd like to file a complaint against Citi Cards. 

History : On XXXX XXXX, XXXX, my bank mistakenly sent a credit card payment to Citi Cards as part of their on-line bill pay service. ( I may have wrongly checked the Citi Card box instead of the XXXX box as the recipient of the payment. That part would then be my fault. ) The amount of the payment was {$5000.00} On or about XXXX XXXX, Citi 's Payment Investigations XXXX. contacted me to find out what the payment was for. ( I have not been a Citi card holder since XXXX XXXX. ) By going over my bill pay schedule with the Citi representative, we were able to determine that it was a mistake and should have been sent to XXXX cards ( United Mileage Plus Visa ). The woman I was speaking with ( XXXX? ) assured me that it was a common error. 

When I asked if they could just return the money to my bank ( XXXX ), she said that they would have to send me a check instead, but assured me it would come in three or four days, but definitely not more than ten days. That was XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, one full month that they have held a substantial sum of our money. 

I have called Citi three times in the intervening three weeks and no one was able ( or willing? ) to help. There is apparently no way to connect me by phone with their Payment Investigations Dept.. Indeed, even they can not seem to contact the Dept. by phone. All they can say is : " well, it might take as much as a month for that money to get back to you. '' This seems excessive and unacceptable. They will have held on to {$5000.00} of our money for 30 days??! 

I also asked XXXX XXXX to intervene on our behalf since they assured me that Citi had indeed 'cashed ' the electronic funds transfer. But all they did was contact someone at Citi and got the same message as above. 

Any help you can be would be most appreciated. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and Transunion. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX  written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.
Product: Debt collection

I've been disputing a account that still haven't been verified it mines legally. I keep receiving copies of the same letters but no verification from original creditor that this account is mines. No signed contract or information of payments to show where this account come from.I deleted it once and it was deleted but then later reinserted with no notice that this would come back on my credit report.
Product: Checking or savings account

Capital One no longer offers the Savings Account product called Capital One 360 Savings ( 0.30 % APR ) and customers were not automatically converted to the new account type Capital One 360 Performance Savings ( 2.20 % APR ) with a better interest rates. The Capital One 360 Performance Savings account was created on XX/XX/2019 and my product is no longer offered. 

I was not notified to close and convert to the new account type that offers a significantly better Interest Rate. 

A bank is responsible to ensure they are doing what is in the best interest for the customer and if a product is no longer offered and the new product that is similar to the product type I opened has a better rate, they should automatically convert them OR contact them until they reach the customer to convert them to a product that is offered. 

Today - Capital One only offers two savings account : Capital One 360 Savings Performance ( 2.20 % APR ) and a Kids Account ( 0.30 % ). 

My Individual Capital One 360 Savings account is earning the same as a " Kids Account '' ( 0.30 % ) since 2019 when the account product type closed and the new Capital One 360 Performance Savings replaced it.

I NEVER opened my account type as a " Kids Account ''. 

Capital One should pay me back interest when this account type closed and the new account type was opened/replaced it ( since XX/XX/2019 ) to current day. They owe me back interest for this account.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this morning and cant figure out why. I check my report regularly, but today, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changedthe errors were still there. I urgently need my documents to be reviewed closely so I can finally have peace of mind over my credit report.
Product: Debt collection

I had a lease with roommates. We couldn't afford the lease so we left a month early but arranged with the office that they would take the deposit and maybe have a small charge after that. Now i have a XXXX collection on my credit report. My former roommates have nothing on their report and the company in question won't send me a detail of the bill but there is no way that it could be XXXX. I have tried disputing the account with the credit bureaus but had no success. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.
Product: Credit reporting or other personal consumer reports

Capital one has the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.

they sent me their investigation and stated these accounts are complete and accurate.

I checked my report and everything is still the same. And according to the 15usc 1681 i 5, they are supposed to do this ( XXXX ) treatment is inaccurate or unverifiable information. 
( A ) in general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly remove that item if information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the collector itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.
Product: Debt collection

On XX/XX/2020, I paid an outstanding medical debt from XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX XXXX indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX credit report as of XX/XX/2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XX/XX/2020. On XXXX XXXX, another collection for the same medical debt from XXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX by XXXX XXXX XXXX. 

I immediately contacted XXXX XXXX XXXX to inform them that this debt was already satisfied through another collection agency. XXXX asked me to send them proof of payment. XXXX indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from Cascade Capital Funding. I have attached documentation showing where I faxed proof of payment to XXXX XXXX on XX/XX/2020. 

Now, XXXX XXXX XXXX is telling me that they can not remove the collection account until Cascade Capital Funding instructs them to do so. I've reached out to Cascade Capital Funding, who told me they have not received anything from XXXX XXXX and that I need to follow back up with XXXX to get this situation resolved. At this point, I am getting no clear answers from either Cascade or XXXX. Every time I call XXXX and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from XXXX XXXX XXXX relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of XXXX was when I received a notification from XXXX that this account had been added to my credit report.
Product: Checking or savings account

Yes I have a warranty replacement on a part I had to pay for because my account was in a data breach and escalated to the claims department and my client was sick and said they had used the information otherwise than approved by the personal credit information and decided to escalate the case to the claims department. Would you send me a replacement refund because my driver said was out longer than expected due on the return of the vehicle was paying gas milage and the pick up was late bringing it in I also reimbursed gas money.
Product: Mortgage

I called my mortgage servicer on XX/XX/2020. I was told that the only way to repay my forebearance was a lump sum or 40 year loan modification. I've read several news stories about this and I should be able to defer the payments to the back end of my loan. However I was denied this option. My loan is federally backed. I believe I should be able to defer my payments to the back end of the loan.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.