23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company purchased a debt that is not mine and have been told numerous times via dispute. under the FCRA they had 30 days to provide a signed application showing it was opened by me the consumer. they dont have this because it is not mine! legally they have to remove it and their failure to do so is a direct violation of the FCRA. they mailed a statement showing no charges with a name on it, but that does not qualify for proof of ownership under the Fair credit reporting act. They purchased this debt cheap and are using credit reporting to try and force me to pay a debt that is not mine or owed. Please be aware that if this is not removed from my credit in the next 30 days you will be sued. It is illegal to report this to the Credit Bureaus with out validation and providing the requested documentation, which is a application showing i signed and opened the card! nothing else is sufficient to prove debt is valid under the FCRA.
Product: Credit reporting or other personal consumer reports

I'm writing to request immediate action regarding the persistent inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised. 
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again. 
I Have Reported This To The Federal Trade Commissions By Letter Years Ago. 
I Never Take Out Pay Day Loans and I Never Had Any Student Loans of Any kind Never. 

Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me. 
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again. 
I am Reporting This Because It Is Not Me. 
Please Help Assist Me, I Need To Know What To Do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.
Product: Credit card

overcharged for some tickets i purchased i was meant to be charged {$20.00}
Product: Student loan

On XX/XX/2024 I received an email that said, " Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date. '' I called Mohela to follow up on this and they said I was eligible for a one month refund, which would be {$320.00}. They also said it would take 90 business days to process. They submitted the request on XX/XX/2024. However, it has been well over 90 business days and I have not received my refund. I called Mohela and they said there was nothing I could do and that sometimes the requests took longer to process. I would like to receive my refund promptly.
Product: Consumer Loan

XXXX XXXX sent a towing company to contact us about a late payment. XXXX Towing came to my home on XXXX/XXXX/16 and banged on my door so loudly for a long length of time that it scared me. I was too scared to come to the door because of the nature of the banging and the repeated use of my doorbell for at least 10 minutes straight. It startled myself and my neighbors that my neighbor XXXX doors down from my home called the police to report the concern. I called my husband scared and before I could call the police, the neighbors had called because that is how loud they could hear the banging at my front door. The banging rattled my whole house and broke the alarm system off my front door and it was shattered in pieces on the floor when i went downstairs to check the front door. The side wall that is next to the front door is so badly damaged now from the nature of this Debt Collector 's banging and hitting my door. The police confirmed that they were concerned by the nature of this Debt Collector 's banging at my door and will patrol the area looking for this Towing Company to address their unethical collection process.
Product: Debt collection

I have told them to not contact me through phone, mail, or email, and I have continued to receive communication through phone while I am at work constantly.
Product: Credit reporting or other personal consumer reports

I have been contacted by email concerning a discover and XXXX XXXX account created in my name. I personally reached out by mail to verify my identity and request verification and validation of the alleged debt. Recently, I have also contacted XXXX XXXX XXXX XXXX of Discover about this matter. The lack of effort used for my investigation is affecting me tremendously and has caused severe XXXX  and XXXX!!! They are continuing to add interest to this fraudulent account and that is destroying my financial profile. I am expecting integrity from both parties and Im hoping I can hold you the CFPB as well as Discover and XXXX XXXX to a high standard in having this manner resolved in a satisfying manner.
Product: Payday loan, title loan, or personal loan

On Wednesday XXXX XXXX I physically handed a Revocation and a Power of Attorney letter to National Financial LLC XXXX Loan Till Payday to stop payments of {$170.00} from coming out of my checking account. 

They did not honor the letter and processed to take the amount out anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

TRANSUNION REPORT
Product: Credit card or prepaid card

Affirm loan # XXXX, this was a XXXX purchase on XX/XX/XXXX for {$5000.00} that was cancelled by XXXX 's host the same day and full credit was issued. Affirm acknowledges they have received all but {$99.00} of this refund, with the {$99.00} being an insurance charge from XXXX, a business partner of XXXX, they say the refund has not been sent to them yet. 1st ... even though Affirm received the cancellation on XX/XX/XXXX, they still created the loan documents on XX/XX/XXXX. And, they REFUSE to issue the refund of the amount they do have, because they say their " policy '' is to wait until the {$99.00} is received, which I know from previous experience with them, this is not true. Since XX/XX/XXXX, I have spent hours trying to resolve this matter speaking and texting with XXXX, XXXX and Affirm and have attached some of the screenshots. Even though they all do business with each other, they refuse to contact each other regarding this {$99.00} that Affirm says they do not have, and both XXXX and XXXX show in their system as having been refunded. Affirm will not do anything other than tell me to " contact the merchant ''. Every time I ask them for help, it's " contact the merchant ''. I have repeatedly asked them to refund the {$4900.00} that they do have and they refuse. I have another XXXX loan that I'm paying on and I can not afford to pay for 2 loans, especially for a property that has been cancelled and refunded for the same time period for the current property I am staying in. I have been unemployed for 7 months due to this country 's poor monetary policies ... .2 years ago I made over $ XXXX, I just took a new job making {$40000.00}, where I can barely afford rent and I came here and am living in the XXXX for the valid loan that I am paying on. They don't care!!!!!
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Santander Consumer USA for violating my consumer rights under federal and New Jersey state laws. Santander Consumer USA failed to provide me with the opportunity to opt out before sharing my personal financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and conflicts with the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act. 

On XX/XX/year>, I sent Santander Consumer USA a formal opt-out notice, clearly stating that I did not consent to the sharing of my private information. Despite my explicit instructions, Santander claimed their Privacy Policy and Privacy Notice permitted such actions. However, this policy contradicts the GLBAs requirements and New Jersey laws, particularly the Identity Theft Prevention Act, which enforces strict safeguards for personal information. 

Sharing my financial data without consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), as it involves the unauthorized use of my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Furthermore, New Jersey law voids any contracts or policies that facilitate fraud, intentional harm, or legal violations, making Santanders actions legally indefensible.

I request immediate action to address these violations, ensure compliance with applicable laws, and prevent further unauthorized disclosures of my personal information.
Product: Credit card or prepaid card

Hi, we used Chaise credit card to buy addition tickets {$140.00} for exhibition event at XXXX XXXX in XXXX  XXXX  taking place XX/XX/XXXX - XX/XX/XXXX. We called Chaise credit card dispute department asking for help to dispute the {$140.00} charge because of the ongoing Corona virus threat and because New York  Health Department does not recommend attending public events. We talked to XXXX on supervisor team from XXXX XXXX who refused to dispute the charge and advised us to either attend this event or just take the charge.
Product: Checking or savings account

XXXX was taken from my savings account by navy federal to pay off an account they say that I am the joint owner on. Since they say I was the joint owner and not the account holder, they didnt have to send me any correspondence regarding default on the account, or that they would take money from my savings, not my checking but my savings account to pay for this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  IS REPORTING AN ACCOUNT AND BALANCE THAT DO NOT BELONG TO ME SENT REMOVAL LETTER AND MORE MULTIPEL TIMES
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : ACI # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I have an unauthorized hard inquiry from XXXX on XX/XX/2023, on my Equifax report. I called the number provided on the report, and it was answered by a robot ; thus, I am unable to talk to a real human being to have the issue resolved. Equifax asked me to report this issue to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax on XX/XX/18 about removing security freeze was told to call back the next day due to not being able to lift the freeze. Called again on XX/XX/2018, provided pin # to have freeze removed and was transferred to at least 6 reps who could not assist me. Spoke with a supervisor who assured me it would be escalated and the freeze would be lifted in 24-48 hours. 48 hours later on XX/XX/2018, the hold is still in place and again called to have the freeze lifted. I was given a confirmation # that the hold would be lifted in an hour which still has not been done. This is beyond unprofessional. Each rep I speak with gives me the same reason and no one wants to rectify the situation. I am being denied for credit due to this issue. I need the freeze lifted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL DATA Credit Unions and Finance Companies Other Than Personal Finance Companies Individual XXXX XXXX XXXX My wife called into our current Mortgage company XXXX XXXX  to only inquire on how it works to pull our equity out early. I was not in the home nor did I give any permission to pull my credit. 

The agent on the phone asked for my wife 's information in order to pull up our current loan. At no point did my wife give permission to run our credit. We specifically only asked what are the steps and how it works if we were interested in pulling our home equity early. We were not wanting to do this at that time nor did we ask or want our credit pulled. 

We did not request a loan of any kind at the time. The hard pull was done without consent as my wife 's call was specifically only for asking about home equity and how it works. Not asking to do this at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian at XXXX ( XXXX ) XXXX via phone and was advised by Experian service representative in order to start the process of restoring positive information that was removed from credit file I would need to complete a dispute letter and attached two additional forms of identification Driver License and Social Security Card. Sent dispute letter via certified mail using form XXXX with return signature. Sent dispute letter on XX/XX/XXXX and letter was received on XX/XX/XXXX and i have enclosed a copy of form XXXX. Requesting Experian to retrieve deleted credit file and restore it back to my credit file. 
XXXXXXXX XXXX  account # XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/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  NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.15 U.S.C 1681 C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHERTHAN RECORDS OF CONVICTION OF CREIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.
Product: Debt collection

XXXX XXXX Account XXXX The amount listed is not correct nor did I ever have a contract or agreement with D & A Service for an amount of {$19000.00}.

According to FRCA 605b, it is illegal to report any inaccurate information on my credit report.please remove this negative item. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok I started disputing LVNV funding llc back in XX/XX/XXXX I sent a affidavit sign and notarized that this was not my account. I then preceded to send police report and a dispute letter XX/XX/XXXX only for them to verify the account I then sent a 30 days validation of this account no respond about a month later I received another letter of validation without proof of identity no signature and also not the original documents I called the resurgent capital services and told them whats going on they ask me to fax affidavit in I did. I called back 48 hours only to be told they did not get it. Then the next morning I called them back and asked to check status on my dispute she then stated that they received the fax yesterday. But see the other person told me I never sent in no documents then I stated to them that I would like to send me the original documents on this account. I called again yesterday which was the XX/XX/XXXX the person said they mail out the verified account now as Im trying to get this matter taken care of they put a old account thats past the limit law now I have to dispute 2 accounts if my other account is past the time limit why did they added to my report I would like to please remove with positive feedback
Product: Debt collection

8-9 years ago I went to court because of identity theft. At that time, the case was seen before the judge in XXXX County, NJ 5-6 times before she finally settled the case in my favor. At which time, Pressler & Pressler stopped their attempt to collect a debt that I was not responsible for ... until now. 

They have restarted the process of sending me mail and correspondence about the same exact account. Last parcel received was XX/XX/18.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hello, I recently refinanced my home with XXXX XXXX XXXX and my lender paid off my line of credit at BBVA Compass Bank, the subject of this complaint. I was told a few days after the payoff that i had an outstanding balance of {$71.00}, i submitted a payment for {$74.00} and thought it was all paid because i received no further notices. That last payment was XX/XX/2016. My regular statement was not generated XX/XX/XXXX and the previous one was issued XX/XX/2016. So with no statement and having paid off my balance, my debt was settled. Two days ago i got a report from the credit bureaus that BBVA Compass had reported my payment late. I called and they were unable to explain all of the accounting discrepancies on my account, nor were they able to explain why i had not received a statement and why their collections department had not attempted to call me regarding the alleged debt. I further reviewed my account and it looks like they have additionally misapplied funds and not counted for payments i made to settle the balance on XX/XX/2016. Please help, i have no other derogatory remarks on my credit and in the process of helping my parents purchase a home.