23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I sold my XXXX XXXX XXXX to my dad. I sent in the release of liability to the DMV but then a couple of months later I was informed by a towing company called XXXX XXXX that I owed a {$2000.00} debt on the storage and towing of said vehicle. I explained to them the vehicle was not mine, and that the release of liability is on record at the DMV and they told me I would not be responsible if that is the case. 

A couple of months later I received a letter from a debt collector called Lien Enforcement , Inc stating that I owe them the debt plus interest. I sent them the release of liability twice. Once by mail in XX/XX/XXXX and then again on XX/XX/XXXX via an email to the email I was given by Lien Enforcement , Inc. 

I waited 5 days for a response, when I did not receive one, I called Lien Enforcement , Inc. on XX/XX/XXXX to check if they had received the documents I emailed to them, which showed that I was not the owner of the vehicle at the time of tow. Lien Enforcement , Inc. stated that they will continue their efforts to collect the debt from me because the smog was not submitted on the vehicle before it was towed. The gentleman I was speaking to on XX/XX/XXXX who works for Lien Enforcement , Inc. stated that if I don't make a payment, I therefore do not care about my credit score. 

According to the NRL forms I received from the DMV, the XXXX XXXX XXXX has been sold twice since their first contact with me.
Product: Credit reporting or other personal consumer reports

I had closed this card back in XXXX of XXXX and I did Bankruptcy in XX/XX/XXXX. It took for ever for them to close the card on my Experian report! Now XX/XX/XXXX they opened it back up on my Experian report when it was closed and included in bankruptcy and it dropped my Score XXXX points! They are doing this deliberately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX I have not gotten any copies of the verification process per the FCRA like Im supposed to.
Product: Debt collection

J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report for the first time in several weeks at the beginning of this month, only to find that several accounts listed in my Transunion credit report did not belong to me. I did not have this problem with XXXX  or XXXX, only Transunion. Because of the incorrect accounts listed, my credit score on Transunion dropped significantly and is currently over one hundred points lower than my credit score on XXXX and XXXX. I contacted Transunion. The lady I spoke with disputed all five accounts that were not mine. The accounts have yet to be removed from my credit report and are still affecting my credit score on my transunion credit report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : CITICARDS CBNA Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I met with a personal banker at Bank of America branch location XXXX XXXX, XXXX XXXX, FL to close my checking, savings, and credit card accounts. I paid XXXX dollars to close out my credit card. An annual recurring payment of XXXX dollars from XXXX was charged to the credit card I thought closed on XX/XX/XXXX. For 6 months, Bank of America failed to notify me that a late payment was outstanding. Bank of America failed to notify me the credit card was not closed due to this issue. Bank of America then failed to notify me the credit card was closed after the 6 months of 6 missed payments. 

In XXXX of XXXX, my wife and I purchased a new home. After performing a credit score check, I discovered there was an outstanding charge on the closed credit card bringing my credit score down to roughly XXXX. Bank of America has failed to disclose to me why I was not notified of this outstanding charge and has proven to be unhelpful in rectifying this error on their part. Due to their failure to notify me of an outstanding charge, I had to pay a total of XXXX dollars to settle the account. However, having recently purchased a new home, Bank of America 's failure to notify me of the outstanding charge will potentially result in future financial hardship on myself and my family such as a higher mortgage rate, car purchases, job potential, etc ... 

If Bank of America had notified me of the outstanding charge in a timely matter, The account would have been paid on time. The resulting negative impact on my credit score is putting my financial future in jeopardy.
Product: Money transfer, virtual currency, or money service

My problem is paypal banned my account last XX/XX/2022, I comply with their policies with no disputes and still they shot down my accounts. My money was lost in my account and I dont know what to do for the year i only find your site from friend. Thanks for help, I only want to restore my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXA Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Product: Debt collection

Original creditor : XXXX XXXXXXXX XXXX XXXX letter sent to me and my wife with this info : Collections agency : The law office of Brett M. Borland XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX Information listed on my credit profile XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number : ( XXXX ) XXXX Amount : {$33000.00} XXXX XXXX XXXX began sending us communication of this debt for a couple of months, then we got a letter from the collections agency listed above for the amount. This was a property damage claim that was covered by my insurance. During this time I expressed that to XXXX XXXX XXXX and to the collections company listed above as well. 

I learned that XXXX XXXX XXXX was in negotiations with my insurance company to settled the damage and come to an agreement of said amount to be paid. 

Attached please find proof from my insurance company that debt was paid and I am requesting the removal of this account from our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of XX/XX/XXXXData Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Product: Credit reporting

I discovered an unknown medical account dating back from XX/XX/XXXX on my Experian credit report so I filed a proper dispute with Experian by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX Experian received it on XX/XX/XXXX and I received their response XX/XX/XXXX. Experian said that XXXX had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent XXXX a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to Experian on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent XXXX XXXX XXXX XXXX and proof of their having received it. The second dispute letter sent to Experian asked that the aforementioned unknown medical account be removed from my credit report due to XXXX XXXX XXXX XXXX XXXX failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my Experian credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Experian 's refusal to properly investigate this is a violation of the FCRA and FACTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is fraudulent according to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023
Product: Checking or savings account

I've been dealing with incompetent representatives since XX/XX/XXXX and unlawfully closed my case without resolution and consent. There have been over 19 email exchanges, XXXX interactions pinpointing their flawed accounting data. They have refused to respond to my additional correspondences. In addition, I want to file a complaint for accounting fraud, in violation of consumer rules, laws and regulations. I've made it clear to them I would be filing a complaint if they do not respond and gave them a final notice. They have blatantly disregarded my concerns and unlawfully hoarding my funds. 

The account started with {$8.00} and I added {$75.00} on XX/XX/XXXX totaling to {$83.00} balance. I attempted to make a {$75.00} purchase but was declined. Each time it was declined, my funds became unavailable. So, I added another {$75.00} but was declined again and my cash was taken out. Because I was utilizing a 10 % rebate promotion, the system credited {$7.00} which is why I have a current balance of {$91.00}. They released the {$75.00} hold which they corrected voluntary. But based on all the declined purchases, I should have a balance of {$160.00} which the representatives have disregarded. They also confirmed they were having technical issues. They keep saying they refunded both {$75.00} but they haven't. I believe they misread the numerical data and mistook {$75.00} for {$7.00} in their spreadsheet ( also attached ). I am requiring the {$75.00} returned that is rightfully mine and compensation for the issues they have caused including their unprofessional ism and unethical practices.
Product: Credit reporting or other personal consumer reports

statement hitting my account from XXXX XXXX XXXX XXXX for a utilities account opened in Texas back in XXXXXXXX XXXX XXXXXXXX. I alerted Experian that I was the victim of identity theft, and have never lived in Texas and spoke with their agent XXXX. He placed a fraud alert on my account and opened up a dispute with me ( ref # XXXX ). This was resolved and taken off my report. Then this XX/XX/XXXX, I received another collection item hitting my credit from XXXX XXXX XXXX, for another utility account fraudulently opened in my name in Texas with XXXX  XXXX XXXX. I disputed the collection in the app, waited a week and they wouldn't remove it from my account. When I called in they told me it was because it was identity theft and the dispute could only be made by calling in. This was no where in the app. I had them open a dispute due to identity theft and was instructed by the agent to upload my FTC report and copy of my driver 's license. I also alerted the agent that there were XXXX incorrect addresses listed in Texas on credit report that needed to disputed as they were related to the identity theft. She let me know that XXXX of the addresses was associated with the debt collection so couldnt be disputed and they could only dispute the one at the moment. After getting off the phone I uploaded the requested documents. I also sent a letter certified mail to XXXX XXXX XXXX disputing the collection. They received the letter on XX/XX/XXXX. This XXXX  I received several emails from Experian letting me know that they did delete the fraudulent address. But they wouldnt block my collections. They said the dispute was made in error and that the documentation I uploaded ( my FTC report ) didnt prove it was sent to a law enforcement agency. Once I received that email I called CFPB on XX/XX/XXXX and was advised to file a complaint. I am attaching my FTC report and the email I received from Experian as well as the letter to the debt collector and a screenshot that they received the letter.
Product: Mortgage

Regarding PHH Case : XXXX. CFPB Case ID : XXXX In the response for this case, PHH admitted they had processed my 2021 taxes in error to the wrong account. PHH transferred service to XXXX XXXX. They stated that amount of XXXX would be sent to XXXX XXXX  to be applied to my account. 

XXXX XXXX  has NOT received this payment. I have not received a payment. I had to make this payment out of pocket due to everyone 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 requests to Experian to update my address and remove any others listed as they are incorrect. On XX/XX/2020, I sent my first request and Experian responded as deleted all except the current address. However, when I pulled my credit report on XX/XX/2020, they had not been removed. I subsequently sent letters requesting incorrect address deletion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, and my request still has not been updated again to reflect my correct and current address information.
Product: Credit card or prepaid card

Paid off my Sears Card last XX/XX/2021. Continuous autopay payments came out of my checking account the XXXX of each month following. Last week I spoke with my bank and they researched, and stated the payments were made in error. ( these have been disputed ) When I spoke with a foreign person with Sears they stated they could not close the account I paid off unless I gave them my social security number by phone. I refused. I continue to receive calls from someone I believe is posing as Sears, trying to collect a debt. When I followed up with Sears weeks prior I was told they too could see I have a XXXX balance and the payments from my checking are not from them. 

I am getting harassed by someone texting and calling me now on a daily basis. They do not always leave a voice mail. XXXX is the number they call from. 

Please advise, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 120 days late in XXXX XXXX 90 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XX/XX/2018 Prior to when they began reporting me late I paid off the account in full. A few months later I checked my credit report and saw they were reporting me late. I contacted Comenity Bank to resolve this issue and they told me they could not locate my account.
Product: Debt collection

i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
Product: Credit card or prepaid card

Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
KAY JEWELERS Account Number : XXXX Please remove it from my credit report.

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to a

pply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Student loan

In XX/XX/year> I submitted a school misconduct application for my private loans and my attendance at XXXX XXXX from XXXX. In XX/XX/year> I was formally denied and am filing a complaint now appealing that decision. The XXXX XXXX and its parent XXXX XXXXXXXX, have been in ongoing lawsuits and federal court cases for their nationwide scandal that harmed prospective students with predatory behavior, making pervasive and substantial misrepresentations about postgraduation employment rates, salaries, and career services. There are hundreds of accounts and federal cases detailing these stories and in XX/XX/year>, Biden issued a discharge for all student loans enrolled in this institution. I applied for Borrowers Defense and was approved and cleared of all my debt. Why should Navient deny my exact same case? 

The result of my attendance at XXXX XXXX led to years of XXXXXXXX XXXX and grief as I had an exorbitant amount of debt, I could not get approved for credit and lived in and out my car or friends couches. I never was able to land a real job until 7 years after my graduation. Navient should recognize XXXX and XXXX XXXX for their malpractice as well as their own involvement in predatory lending. 

How could I be granted Federal discharge yet Navient doesnt approve my case for my private loans? They are one and the same and Navient should recognize my case and offer the same discharge to my loans as the government did.