23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : 1. The accuracy of the reported balance.

2. The date of the last payment.

3. The account status. 

I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXX/XX/XXXX - Account XXXX. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXX/XX/XXXX - Account XXXX. : xxxx xxxx xxxx XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX - Account XXXX. : xxxx xxxx xxxx XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of washington mutual, I have never had a washington mutual account, I was an authorized user on some of my friends accounts but not sure if one defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/year> My only employer is SELF I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Checking or savings account

BMO closed my account to no information from me and refused to discuss any information, refused to refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement.

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Product: Money transfer, virtual currency, or money service

My phone and and my purse was stolen and when I did buy a new phone I couldn't get access to my PayPal account and when I access my email I received a email stating this is receipt from PayPal cash out at XXXX I been trying for months to get my money back then there was couple of fraud accounts in my name and I contacted PayPal about they couldn't help I contacted XXXX no help there was over a XXXX dollars stolen from me using my PayPal or they would transfer money outta my PayPal to a fraud accounts then I found there was debit cards opened in my name that was linked to my PayPal to transfer money out from my paypal and I did everything I can recently PayPal taken {$710.00} outta my PayPal account that was held for 180days to pay for negative balance on those fraud accounts i told them those were fraud accounts i told them my social security card and my birth certificate, State ID was stolen and still no help I work hard for my Money as a single mom
Product: Debt collection

my daughter was living in a XXXX XXXX  we had signed two lease agreements at the same time term one & term two from my understanding we had signed both at the same time so when term lease one was up my daughter would be able to stay instead of coming home we'll at the end of the first lease it was an email sent out to all students that every body had to move out if they don't have a permanent XXXX my daughter was sharing units with another student so at the end of term one she has to move for 30 days until the new start of the second term lease well during that time my daughter got pregnant and i'll she needed to be a closer to home so we decided before the second term lease start to write the agreement complex a letter stating we wouldn't be taking over the second term lease we signed in advance. we wasn't aware that all the students had to move out that was the purpose of signing it so she could stay. so we paid off the full balance of the first lease agreement also cleaned the apartment and gave the keys back. they said we couldn't get out of the lease even before it started they has hired a new manager so it wasn't the same manager we saw in the beginning they had let one student break the lease i was it while we were sitting in the office but when it came to me and my daughter they wouldn't let her out of the contract i have emails where i wrote them asking out of that lease that never started which we did signs in advance. they have a policy if they find a another students to fill that XXXX they would let my daughter out of the lease i was a co signer on the account me and her dad XXXX XXXX my name is XXXX XXXX had got the apartment for my daughter to stay near her college campus. they also keep changes the amount we don't owe {$8000.00} we don't owe them any money they also never took us to court or file a eviction through the court house i even called this company is fraudulent please help i also mailed in proof to XXXX XXXX. the company do have a signed agreement but we signed it with in 5 months in advance before it started
Product: Credit reporting or other personal consumer reports

These accounts were opened without my knowledge or consent and are the result of identity theft. XXXX XXXX XXXX And XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.
Product: Debt collection

Hi, I will keep it precise in points : Please find my complaint details in points below.

+In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses.

+ I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX.

+When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment.

+Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm.

+On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved.

+She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false.

+She sent me a scrap document which has no credibility, no letter head whatsoever etc.

+I was a XXXX XXXX  at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification.

+I will attach the file she sent me which will give you an idea of this scam.

+I also searched online and turns out that a few more people have been a victim of this scam.

+This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes.

Warm Regards,
Product: Debt collection

Previous complaint made. Unable to follow up had XXXX. Too sick to continue what was asked by your company. 
Closed XX/XX/22 Information regarding dispute : Our roof became a leaking problem and a salesman came by to tell us he could do the work monthly on our home because we stressed we were on a fixed income. He stated that the we could pay the bill monthly as we explained we were on a budget/income. He suggested how we could pay and we selected how we wanted to pay monthly {$250.00} on the XXXX of the month because that was my pay day. The person said he would see to us getting a monthly bill. We wrote we called and never received any communication from the company. So we called our mortgage company they explained to place extra money in our escrow account. So we began to do just that. XXXX of this past year our mortgage increased by {$2300.00} more. Now our home is in forbearance. because of the drastic increase from the roof. We called the city taxes they said its not them its the people who you got your roof from. When calling they were very rude. Offered no help but to pay full amount. The company is in Bankruptcy and a class action law suit has been formed. we are left to fight this fight with many other older adults who used the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting a record from XXXX XXXX. This has been disputed several times and is now past 7 years but it is still reporting. If this is not resolved, I will seek legal action.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan and am not able to pay it back. I asked that they stop automatic payments. I also instructed my back to stop withdrawals from ELoan Warehouse. 

They sent me an email today saying I'd committed fraud and threatening me.
Product: Checking or savings account

I had {$840.00} stolen from my Bank of America EDD card. After filing a claim my account was frozen and I am unable to activate the replacement. I had reached out multiple times, verified identify, had a freeze from filed yet no one seems to have any answers. I am even being denied by Bank of America to talk to the claim department even though I have a claim number.
Product: Debt collection

Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed American Honda was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to American Honda but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.
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. 

Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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: Checking or savings account

XXXX XXXX XXXX and XXXX XXXX XXXX are claiming I had an account and I never heard of them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. XXXX5 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Debt collection

This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolios failure to provide requested information for the debt alleged. Portfolio has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Portfolio responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by Portfolio. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to  act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

I have received reports from XXXX XXXX on 2 hard inquiries that I absolutely did not submit. One from XX/XX/24 and then again yesterday on XX/XX/24. I see the XX/XX/24 one is from US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX 

I received a letter in mail today regarding US Bank declining my application due to lack of personal information. So someone is submitting these inquiries, has my correct address since the mail came here, but is missing some information. 

Both were placed on a Sunday and exactly one week apart apparently.
Product: Debt collection

For approximately one week I've received daily calls from Wakefield and Associates, XXXX and XXXX. I've asked to be put on their do not call list and told them I don't have any debts that are in collection or behind in payments.
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. 

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 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. Or list of inquiries 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.