23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received payment for an item that I sold on XXXX via Paypal on XX/XX/XXXX in the amount of {$180.00}. I shipped the item out and it was delivered on XX/XX/XXXX. The USPS has an issue with their tracking and it provided an additional status update that indicates that the item is in transit after it was already delivered. Paypal is refusing to release the payment until the item is marked as delivered. I contacted the USPS and they provided me a letter indicating the status showing on their system is an error, it will change, and the item was in fact delivered. This letter was provided to PayPal and they acknowledged it yet refuse to release the funds. 

The PayPal Transaction ID is XXXX
Product: Checking or savings account

Opened a Checking account because a {$300.00} bonus was offered. Met all the terms that were advertised. When the qualification period ended, the initial deposit requirement had somehow gone up from {$500.00} to {$1000.00}. I was told that I wouldnt receive the bonus because my initial deposit did not meet the requirements. 
I would not have opened an account if it werent for the deceiving bait and switch offer.
Product: Credit card or prepaid card

Unauthorized account for Synchrony Bank : American Eagle, Care Credit and XXXX XXXX appearing on my credit reports.
Product: Vehicle loan or lease

I sold the vehicles and then paid the loan off on XX/XX/21 and Yamaha Motor Finance Corporation has not released the title. Yamaha Motor Finance had previously bought this loan from XXXX XX/XX/XXXX. Every time I call Yamaha they tell me they will submit the request to XXXX to release the title and it can take up to a week. I have call three times to request this and they say all they can do is submit another request to have XXXX release the title. I have asked them to escalate this and to call someone at XXXX and they say that they can't, they can only resubmit it to XXXX.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

To whom it may concern Please remove my collection account pursuant to the following codes. 
15 UCS 1692G, 15 USC 1681AI, 15USCS1681 I have requested several times for Transunion to remove my collection, but they declined The collection agency failed to provide me with the documents I requested within 30day therefore it should be removed immediately. 
Thank you
Product: Debt collection

They keep emailing, and calling me. Ive requested debt verification numerous of times and just keep getting very rude associates that refuses to verify or send verification. But they know they cant cause its not mines. Just go read the reviews it seems really scammy. They need an investigation open on them. And I want this deleted off me and my wife credit immediately.
Product: Checking or savings account

I have power of Attorney of my Sister XXXX XXXX she is paralyzed the bank verified everything before i deposited the checks in my account she signed over to me They closed my account after the checks cleared and said they would send my money cashiers check now they will not send it and said they have to verify my sister by phone listed in her name she has a number and account with XXXX XXXX XXXX and still they say no. I have to pay her mortgage and bills and on the verge of being put out, they refuse to see her in person at the bank so she can tell them that she did sign the checks to me. Please this is life and death i need to pay her bills
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX and TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit card or prepaid card

On or about XX/XX/2021, I purchased a XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX with the amount of {$19.00} at Walmart XXXX XXXX California. the XXXX glucose meter and test strips are defected which gave the test results very high false results compared to other meters and lab test result. The high false results are every dangerous for my life. On or about XX/XX/2021, I returned the meter and full box of test strips to Walmart but Walmart refused to accept return the meter and XXXX XXXX. Walmart return policy is 90 days with or with out receipt. On or about XX/XX/2021, I contacted Capital One credit card company to dispute the charge. On XX/XX/2021 I received a letter from Capital One stated that Capital One credit card company refused to resolve the dispute charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was staying with family in XXXX Alabama in XXXX of XXXX I had health insurance at my home state of Illinois. I went to the XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX. I gave my insurance ( XXXX XXXX XXXXXXXX XXXX ) information to the administrator on duty at the time of care and again two or three more times over the phone once they began billing me. After being turned over to CAC Financial collection agency. I engaged with them on two occasions to give them the same information and to let them know this was not a valid debt. This has now gone on for over 18 months with no end in sight. I dont believe the insurance will accept a claim now that this much time has gone by. This is solely the fault of the administrative staff of the hospital and the complacency of the collections agency.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XX/XX/XXXX Account # : XXXX Balance : {$3300.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XX/XX/XXXXXXXX Account XXXX : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XX/XX/XXXX Account # : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Account Status : closed Account Name : XX/XX/XXXXXXXX Account XXXX : XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ).

Please investigate and delete.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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
Product: Student loan

I have made multiple attempts to contact regarding an appeal for counting past employment. Including providing detailed tax information and documents verifying employment at the XXXX  XXXX XXXX  that Mohela has not counted. They have been unresponsive to my emails and my request and my appeal. They are not reachable by phone or other method. 

They have also yet to process my employment verification for XXXX which was submitted in XXXX, six months ago. I work for the XXXX  so I know that is really easy to do. 

Mohela is unreachable and in response to emails will only reply letting you know when your next payment is. They give you a phone number to call that has a recorded message and no way to contact a person.
Product: Credit reporting or other personal consumer reports

i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over 30 days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax remove this item from my credit. This item is a result of Identity Theft and Equifax just refuses to remove the item even though it is deemed to be identity theft. I need this item removed asap as this is damaging my credit and making it difficult for me to obtain housing and employment. The company was unable to produce a signed contract that has my signature and law enforcement was contacted as well as proof was provided that this address in question was not my address at the time the fraudulent account was opened. 

Please remove this item and any associated addresses and inquiries from my credit asap! I have spoken with a consumer attorney who is ready to help me, however, I wanted to try and resolve this directly with the company seeing as how I have followed all the necessary steps to track the identity theft and remove it from my credit report as required. Please see the attachments.
Product: Debt collection

Was told debt sold to XXXX and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by XXXX. XXXX XXXX   a # XXXX XXXX XXXX a # XXXX
Product: Debt collection

I was advised that a server had delivered court documents for a lawsuit to my mailing address in the beginning of XX/XX/2023. 
I am not married, so an open/ unsealed document being delivered to a third party violates 1006.6 ( d ) ( 1 ).

The receipt of the court documents was the first contact received from Portfolio Recovery Associates LLC in this matter.

As there had not been any calls or mail received regarding this manner, and Portfolio Recovery Associates has reported this matter to XXXX and XXXX ( shows last date reported was XXXX ), they also appear to have violated 1006.30 ( a ) ( 1 ) ( i ) ( ii ).

Portfolio Recovery Associates LLC has not validated the debt, and failing to do so have violated 1006.34
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds withing 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request CFPB take action to ensure Experian complies with federal laws and provide consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, XXXX. Account # XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX. Account # XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has refused to provide all credit card statements for this account, which has inhibited my ability to dispute charges and late fees assessed on the account. On numerous occasions I submitted payments above the amount due and the bank refused to move the due date and the payment amount for making an advance payment. XXXX XXXX  would assess late fees even though I submitted large payments on multiple occasions in previous months, which made it very difficult to maintain a relationship with the financial institution. In addition, they would charge interest that was grossly unfair to a XXXX US Veteran. XXXX XXXX XXXX continues to report unsubstantiated ( incorrect ) amount to all three credit bureaus.
Product: Credit card or prepaid card

I have two capital one accounts reporting with a late payment on my report. I was kind of surprised so I sent in a request for statements of the months I was late since according to my knowledge i've always been on time. Every response they sent me seemed to try to avoid giving me an answer always requesting more information. I provided them with my social security number they have all the information they need.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collections that I did not approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the Equifax Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Product: Debt collection

This is an invalid dispute, I was never contacted by mail regarding this dispute, and the dispute is classified as Attorney dispute NOT medical dispute. They have broken the law by not providing any information related to this dispute, other then a phone call 90 days after in which I told them this was in dispute, NOT valid, and provided evidence to the collections agency that this was an invalid bill. 

I disputed the amount in entirety with the medical office, filed complains with State and Federal medical boards and this false claim was still sent to collections/ XXXX XXXX XXXX  XXXX {$130.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$130.00} Original Creditor XXXX XXXX XXXX Past Due {$130.00} XXXX Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<