23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX Opened : XXXX/XXXX/2017 Balance : {$13000.00}
Product: Credit reporting

Unable to get an apartment because I have a similar name as another person. When I tried to get another apartment, I was denied and the apartment complex were unable to give me any information pertaining to the eviction. My hands are tied and I am trying to move next year. XXXX XXXX is a married name for me and my birth date does n't match the records.
Product: Debt collection

This company contacted me in XXXX @ XXXX. The gentleman that contacted me identified himself as XXXX XXXX. He said this was a business matter and began harassing me to tell him my personal information. He told me that he needed my date of birth and my address. I said to him that I had no idea who he was or why he was calling and I was NOT going to give him my personal information because I did n't know who he was or why he was calling. 

He never XXXX time identified himself as a collection agency, he refused to tell me what company he was working with, he just kept pushing me to give him my personal information. And told me he would n't tell me who he was and why he was calling unless I gave him my personal information. 

I called the company back to speak with a supervisor, and the operator hung up on me each time I called back, XXXX times in a row. The XXXX time I called back the transferred me back to XXXX XXXX who again only wanted to take my personal information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.
Product: Consumer Loan

I obtained what I thought was a 72 month loan in XX/XX/XXXX, it turned out to actually be a 72 month lease or as the company, AutoTrakk terms it " prepaid transportation ''. When I " purchased '' the vehicle from the dealership I was not made aware that it was a lease and that I was not purchasing it. Even when signing documents that was not made clear and I do not recall reading this anywhere in the documentation. I am aware that this is not necessarily the fault of AutoTrakk but the dealership. When I got the car I was told that I could trade the car after 2 years, which is what they promote through financing with AutoTrakk. I attempted to trade in the vehicle and as soon as I said it was through AutoTrakk the salesman said, " oh, you wo n't be able to trade that, you 're going to be way to upside down, no one can ever trade those unless you are putting at least {$3000.00} down. '' I went to 5 dealerships, all of them the same, my car was valued at around $ XXXX and I owed over $ XXXX. I have made 175 payments to AutoTrakk in the amount of {$100.00} each totaling almost $ XXXX and maintained full coverage insurance on the vehicle at all times as required. XX/XX/XXXX the vehicle was involved in an accident and it was totaled. My insurance company paid AutoTrakk {$6900.00} for the value of the car, my payoff was {$10000.00}. My account has Gap coverage to cover the difference of what I owe and what the insurance values my car. Between what I 've paid and my insurance has paid, AutoTrakk has received appx. {$24000.00} for a vehicle that was {$14000.00}. They have sent me a letter saying " The amount owed on your account is {$3100.00} which could include the deductible, prior damage, excessive mileage or repossession fees. '' I would like to note that they state it " could include '' with no details, no description of what I am being charged for at all. They 've also given me no details as to what amount the gap insurance has paid. I believe that what they are doing is wrong and possibly illegal. They have an obligation to include details of charges before demanding payment and threatening to send a debt to a collection agency and negatively affecting my credit.
Product: Checking or savings account

I had my information stolen a couple of times. Once from a family friend who made many transactions I was aware of & & again a website I frequently used was hacked and the hackers used my card information to purchase multiple gift cards. Chase closed my account without warning and knowing the reasons my claims were filed. I received no warning and no explanations regarding this. I have been a customer with Chase since I got my first job at XXXX years old. Been with the company over 10 years and was treated unfairly! The company sends me information to open an account and this one time I tried again they closed it without contact! Chase does not value their customers and although I would love to bank with them again. I guess I will get no information on if I will ever be able to. My whole family banks with Chase my grandma who is in her XXXX is the reason my family uses them.
Product: Money transfer, virtual currency, or money service

I just tried to move {$1000.00} from Venmo to my bank account. I mistakenly hit the Instant transfer button on my phone, because it is the most prominently displayed of the transfer options. I wanted to do a standard transfer because I didnt need the money immediately. I tried to go back but couldnt, there is no option. With the instant transfer I was hit with a XXXX percent fee - essentially {$17.00}. 
There is no way to make Standard Transfers your default option on Venmo. There is also no pop up window in the Venmo app that asks whether you want to do an Instant Transfer and incur the XXXX percent fee. 
This takes advantage of consumers who are usually moving quickly on Venmo when they simply moving money from Venmo to their back account. This way of prominently displaying the Instant Transfer option and being unable to set your transfer to standard as default feels manipulative by Venmo and a way to push more consumers into the Instant Transfer option, which carries fees that benefits Venmo.
Product: Debt collection

I have filed multiple complaints regarding ID theft I owe this company nothing nor do I owe any of its affiliates. I have never paid this company or any of its affiliates. I am aware that there is someone is using my information but this company doesn't seem to care. I would like any documentation with my signature including an application with my name on it to include with my 4th official police report
Product: Mortgage

in XX/XX/XXXX I refinanced my primary mortgage. Loancare, who holds several mortgage loans for me, was the original servicer of my new loan. Account # XXXX was established and for two months I paid my payments to them. 

Then on XX/XX/XXXX LoanCare transferred my loan to XXXX XXXX Loans, and instructed me to make my payments to XXXX home loans and refused to accept any further payments from me. 

I began making my payments to XXXX, however on XX/XX/XXXX I applied for a mortgage for a new property and was advised that LOANCARE is reporting a 30 day late payment for XX/XX/XXXX, WELL after they transferred the loan and were no longer servicing it. This caused a credit score to drop 100 points for my wife and I and we are in danger of losing this great opportunity to buy. I have been unable to contact LOANCARE, or receive a call back from them after numerous attempts to contact them. This has to be an error, as XXXX  does not report any late payments but XXXX  and XXXX  are reporting the late. I need LOANCARE to retract any negative credit reporting ASAP.
Product: Debt collection

See my complaint XXXX with XXXX XXXX XXXX on XXXX. The response lists Receivable management services as buying the XXXX XXXX XXXX debt onXX/XX/XXXX. To date, I have not received verification of this debt from Receivable management services or any other company. I havent received written letters from Receivable management services too.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Debt collection

Received a phone call I was being sued and there was a court summons they were trying to deliver. Was given the name of the law firm of XXXX XXXX XXXX with the phone number XXXX. Called the number and told them it was discharged in bankruptcy. They said it wasn't listed. I told them I could send them a copy of the discharge papers and he said, " I can take care of it. '' and hung up. I called back and asked for their address and was told XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, Texas. This address is erroneous.
Product: Debt collection

Portfolio Recovery Associates, LLC ; here is the list of their unlawful collection practices. 

1. They claim ownership of debts that other collection agencies also claimed to own. 
2. When asked to verify ownership of said debt, they provided to me fake/false documents to establish ownership of said debts. 
3. They have called me repeatedly after I have sent them certified mail requesting all communication be through mail only. 
4. They " re-age '' claimed debts on my credit report. 

Dates of activities : XX/XX/2015 - current day. 

Actions by Portfolio Recovery Associates - hundreds of phone calls from XXXX to present day, falsified records, dates, and reporting on credit report. 

Actions by myself - variety of certified letter mailings to Portfolio Recovery Associates requesting VALID PROOF OF OWNERSHIP AND TITLE OF DEBT, disputes to credit reporting agencies, and many hours of research. 

Summary : junk debt buyers can not simply claim to own a debt without proper LEGAL proof. They also can not " investigate themselves '' when a question of validity comes in to play. This company has violated the FDCPA in multiple ways. 

*** Proof is not a letter the junk debt buyer creates themselves**
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX  XXXX XXXX XXXX, AR XXXXThanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to the first Complaint I submitted requesting that you remove the Fraudulent accounts and information off of my Credit File under the provisions of the Fair Credit Reporting Act sectiob 605b. I have read that under the said Federal law, you are required to remove any account and information from my Credit File. Please have the disputed items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} 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 XX/XX/XXXX. I am requesting that you remove the disputed items from my Credit File in accordance with the Fair Credit reporting Act section 605b. If you believe that the disputed items belong to me, please send me copies of proof of verification or any documents bearing my signature to prove that I own such items. Without these documents, immediate deletion of the disputed items is to be expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the Experian and XXXX Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. Experian and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the Experian and XXXX Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if Experian and XXXX Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF EDXXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}
Product: Debt collection

In XX/XX/XXXX I hired XXXX XXXX XXXX, XXXX to mow my lawn twice a week for the summer for a total of XXXX per month. I received a bill in XX/XX/XXXX for XXXX which I paid. Then in XX/XX/XXXX I received a bill for XXXX and I called the company and told them that I had agreed to twice a month for a total of XXXX and they were charging me for mowing my lawn three weeks in a row which I did not approve. Then another bill in XX/XX/XXXX for XXXX for the same weekly mowing 's that I did not request. I paid for the biweekly mowing 's but disputed the additional mowing 's. The company then turned my account over to XXXX XXXX. XXXX XXXX did not initially notify me of the debt but instead sent a letter to my ex-husband and put the negative information on his credit report. He filed a dispute because he knew nothing about hiring XXXX XXXX XXXX. Once XXXX XXXX realized their mistake they reported the negative information to my credit report. The initial balance was XXXX and they keep raising it, now my credit report shows an outstanding balance of XXXX. I have talked to XXXX XXXX several times initially telling them it was not my debt because I never agreed to weekly mowing 's, only biweekly mowing 's but they said I still owed since the company did the work. I did not sign the contract and it was a verbal biweekly agreement that wasn't honored by XXXX XXXX XXXX. I would like the debt removed and for XXXX XXXX for remove all their information from all three of my credit reports.
Product: Student loan

Firstmark Services has the allocation of payments to be as follows : fees first, interest second and principal third. I payed {$50.00} over my minimum payment and firstmark did not put that {$50.00} towards my principle they put it towards my next minimum payment. I have reached out to them twice with absolutely no response. Firstmark is not honoring their agreement on how payments will allocated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Trans Union due to a fraudulent collection account that has been incorrectly listed on my credit report. This account, listed under XXXX XXXX XXXX for account number XXXX, does not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. This error has caused significant financial hardship as it has negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Other Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Date Reported XX/XX/XXXX never lived here in accordance with the Fair Credit Reporting act XXXX  Account # 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