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

This company violated the TCPA, and was placed on notice. The company failed to validate the debt, and made no further contact following being put on notice for their violations. Their failure to validate the debt not bars them from recovery and the legal right to report derogatory information, or any information regarding the a debt they have failed to validate. In XXXX of 2023 I was contacted by their attorney XXXX XXXX, at which time I provided him copies of all transmittal 's sent to his client, XXXX  Credit card, and demanded that they either remove themselves from my trade lines, or sue me for their claimed losses, at which time I would counter-claim and seek damages for their violation 's under the TCPA. 

I Demand that this creditor be removed from my trade lines immediately and subject to any sanctions or fines that they might be subject to for their violations under the fair credit collections act, and the TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXXXXXX XXXX XXXXXXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXXXXXX and I will attach the documents. Also, the amount that XXXXXXXX XXXX is reporting is not correct. I was never informed that this account was with a collection agency. I do believe that this account was re-aged and is reporting incorrectly. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

XXXX XXXX  XXXX name and address wrong XXXX XXXX XXXX name and address wrong XXXX  XXXX  XXXX  name and address wrong
Product: Credit card

I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.
Product: Credit card

I Travel for work and have a lengthy contract in XXXX so I paid my account in full to use, updated my address with XXXX as I have before with no problem online. XXXX updated my address within my account and on my statements but waited until I attempted to use my card to advise they restricted the card due to the inability to verify the address. They then required me to change my XXXX  driver 's license to a XXXX  license ( although they were the only credit merchant that requested that I comply ) then they stated they wanted a utility bill, I explained I'm here for work and the place I'm at I do not pay utilities. Per XXXX that's the only way to verify the XXXX address. So I advise that I changed my DL, have been receiving mail to the new address from XXXX asking me to call to verify that I have my card in my possession to relieve the hold in which I did, and still the card is restricted with no reasonable reason outside of them wanting a utility bill and for me to change my business account address to XXXX and send the complete statement which I'm not open to doing because I run my business out of XXXX. I have been trying to get this resolved, Per XXXX request I sent my personal bank statement, they stated that I can't use it although it shows the XXXX address it does not have the online banking physical address not that Im sure why the bank physical address matters since XXXX has technically updated the address in their system and send me mail. Im concerned about my credit score and have asked that my account not close due to inactivity since XXXX refuse to allow usage after I have been with them for years.
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 : CXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX 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 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 XXXX 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: Debt collection

XX/XX/2021 - A man claiming to be named XXXX XXXX from CRS and Associates in New York is aggressively calling me over and over again, calling my employer, my father, my ex father in law and every other person listed as a relative on my public records. Claiming I wrote a bad electronic check and owe money. Which is not true, false and a complete scam. He is trying to scare me into paying him claiming he will be serving me and suing me, telling me I owe money to him for a fraudulent check from years ago. I know it is scam as I do not owe this but I want him to stop harassing my family, employer and friends. This has to stop. I have blocked his number but he keeps calling my business office and landlines which I can't block him on. He calls from XXXX. I have voicemails from him as well that are very aggressive and attacking. Please help. Please stop this man from continuing to so this to me and others. Thank you!
Product: Debt collection

I want to dispute an error on my credit report. The TRANSUNION the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXX XXXX, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Product: Credit reporting or other personal consumer reports

The company sent me a copy of what they can report and a copy of how things work when you open an account with them. Neither of those things verify the accuracy of the reporting or prove that I ever had an account. They are saying that they are able to report the closed account to my profile, and I am further disputing the matter as well as requesting {$5000.00} for the stress and difficulty I have had to endure for years because this inaccuracy is currently on my profile and continuing to negatively impact me. The account is reporting to XXXX and XXXX and they have inaccurate late payment information on there. For the final time, the account must be removed immediately! If nothing happens this time from this submission, I will definitely be filing a claim with XXXX XXXX XXXX XXXX for the {$5000.00} for this.
Product: Credit card

On the date XX/XX/2023 I opened an account with MACY 'S and I bought an item that costed {$200.00}, later down the line I paid the minimum amount required for the month, and in the same day I decided to just pay it in full instead. About a month later I see that my credit score dropped a massive XXXX points, after many disputes and emails MACY 'S finally tell me that they charge an extra {$2.00} whenever you don't pay your amount in full the first time. They did not tell me or notify me about this in anyway whatsoever by mail or email which caused a missed payment for the month of XXXX,
Product: Student loan

These are my complaints listed 1 through 4 1 ) I have student debt with Navient ( Parent Plus Loan ). They are not able to provide me with information about how much I owe from the handful of schools my children attended. This makes it very hard for me to talk with my children about this to determine which child owes what amount in an attempt to each pay their fair amount. Also, the loan payment amounts they have quoted for me are way too much for any average working class citizen in this economy to afford. 

2 ) I recently tried to refinance my home to save several hundred dollars each month. The refinancing went very well, and with only one final step, I needed to have a three-way conference call with the mortgage loan officer, Navient representative, and myself. When my loan officer and I connected with the Navient representative, she scolded me, and was very rude. The loan officer decided to end the call, and I was not able to go through with the loan. 

3 ) Including myself, friends, family, neighbors, their friends, and unfortunately now my employer, we are all currently being harassed by a caller going by the name of XXXX, who apparently represents Pioneer Credit Recovery Inc. He uses the caller ID name as Navient, and one of the handful of phone numbers he calls from is XXXX. He is calling ( harassing ) these people at all hours of the day and night asking for information about me. 

4 ) Just when my children entered college, I lost my job of many years due to economy affecting the business I worked for ( great recession XX/XX/2005 ), and could not find a job because no one was hiring. I received my loans while I was unemployed. The economy is different today than it was back then, and I do n't make nearly as much as I did twelve years ago, and just getting by on what I earn today. I 'm wondering how and why I was able to obtain these loans when I was unemployed? I would think the government would have viewed me as a risky person to lend money to. This seems very questionable, and very irresponsible for any lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my, credit report. The account in question is from XXXX XXXX and is currently listed by XXXX XXXX Basis for Dispute I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX
Product: Checking or savings account

I use an app called  XXXX . They help keep my account out of the negative but they can never get the bank to send over my information in a timely manner. It 's supposed to take a day and we usually have to wait before receiving any information. They need my recent transactions as well as my current balance and it should n't take this long to receive it.
Product: Consumer Loan

I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees ....
Product: Credit reporting

I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.
Product: Debt collection

I owe a debt that they repeatedly call about and tell them to stop calling!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I send a request demanding debt validation to Portfolio Recovery Associates on XX/XX/XXXX certified with return receipt.

For the amount {$1400.00} They send a verification letter on XX/XX/XXXX The letter had no other supporting documents. Called and spoke to XXXX XXXX and get manager. They told me they did not have any documents and were not required to provide them
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these unauthorized inquiries off from my credit report. I did not initiated this and they have to remove this according to the FCRA 605B!
Product: Credit reporting

Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of ID theft starting around 2018 and I found out earlier this year. There is a fraudulent account listed under Lendly loans that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with Experian several times in the last year. I sent them a letter in XXXX proving my correct address and another letter last week proving my correct address which is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I have been a home owner at this address for 3 years. My FICO score is at XXXX but it should be close to 800. Experian 's poor record keeping has contributed to this mistake. It almost seems like it is intentional misconduct to keep a consumer with an excellent credit history like mine low ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX XXXX and affiliates have 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 an account without my written instructions Please show me proof that I gave your company permission to furnish these alleged debts on my consumer reports
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several times concerning the situation. Bankruptcy does not report to the credit bureaus. Then they tell me to contact XXXX myself. I did contact them, and XXXX said XXXX has to remove the information. It is still showing on the consumer website and reports. Even sent mail to XXXX, and XXXX personal. Then when I call today to talk to someone form XXXX XXXX XXXX XXXX XXXX, they hung up on me it was a lady that work for them. They dont try to fix the problem at all. Even Experian and XXXX says the same thing it is XXXX not doing anything. Experian person says no response from them.
Product: Checking or savings account

On XX/XX/XXXX, my cell phone was hacked and money was taken out of my account about a XXXX dollars. I disputed it the very next day. But my dispute was denied because it happened on my own device and on my own Wi-Fi. But I had reported that my divorce was hacked. They will do nothing more. I had called XXXX. They had me down load an app which apparently gave them access to my device and my Wi-Fi. I thought there were laws protecting consumers from this kind of fraud. It was PNC Bank. I did not willingly send anyone this money and I never thought XXXX knew what sell was. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

This account is not mine. XXXX  has stolen my identity by taking it from another company. I have no agreement with them nor have I ever contracted with them. They have been using extortion to threaten me into paying them money that I do not owe. 

I sent them a letter demanding that they also stop reporting this to CRA 's and they continue to do so.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices.

As LVNV FUNDING LLC has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of LVNV FUNDING LLC concerning their failure to provide the legally mandated validation and verification of the debt.

2. If LVNV FUNDING LLC can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus.

3. Appropriate action against LVNV FUNDING LLC to ensure they comply with federal and state debt collection laws in the future.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is reporting on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XXXX XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.
Product: Debt collection

I have not taken any actions by the company because I have no information about them other than their name is Williams and fudge and their phone number is XXXX. I have never been contacted by them in writing to validate the debt. They have been sending me text messages asking to call them with no further information.
Product: Mortgage

XXXX and XXXX XXXX applied for a reverse mortgage to help pay for escalating medical bills. They were granted a reverse mortgage but were not informed of the escalating interest charges through the years. They have borrowed on the equity of their home approximately {$40000.00}. they are being charged XXXX per month interest and now low {$200000.00} on the loan of {$40000.00}! This is predatory lending!
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my account for 180days for no reason, XXXX XXXX an everytime i cobtact its automated. i just want my funds. its been well over 180 days. an there is no issue with my account everything is accounted for in my account. they never sent me the email, after the 180 days so could withdraw my funds. i just keep getting the run around. a also XXXX XXXX paypal XXXX XXXX to themselves from my account. first off no one in he world knows how to send money directly to paypal. i attached all documents, please help me an my family move pass this stump in the road. XXXX paypal email.