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

Greetings, In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 ( a ), I am entitled to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my report. The credit bureaus concluded their investigation and reported that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address, including Date opened and amounts. Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. 

Additionally, I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these inaccuracies, but the company has yet to address or resolve the issue. This has caused me considerable distress and may have impacted my credit score and financial standing. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax
Product: Debt collection

When I moved from XXXX to XXXX XXXX I put my XXXX service on hold until the move was complete and we had a new address for service. When I called and setup the appointment the XXXX service guy thought it was new service and opened up another account in my name. I told him that no it was an already existing account, he said he would take care of it. Three months later I'm turned into collections for the other account and my current account is always paid on time, and I made sure I set back the old equipment from the other account. I've tried several times to call and explain and each time I'm told it was XXXX mistake and they would fix it. I'm not paying for something that's not my fault. I would like this off my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing account for Midland Credit Management with date opened as XX/XX/20 in the amount of {$560.00}. I did not open this account XX/XX/20. This account was purchased from the original creditor XX/XX/20.
Product: Debt collection

XXXX XXXX! 
BREACH OF XXXX XXXX. 

XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Violations of the FDCPA, Material Breach of Arbitration Agreement, and Demand for Immediate Compliance NOTICE : Portfolio Recovery Associates , LLC XXXX XXXX XXXX Department Account XXXX : XXXX This letter serves as a formal and unequivocal notice regarding your unlawful and egregious attempts to collect on the alleged debt associated with the above-referenced account. Your actions are in blatant and willful violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, and constitute a material breach of the binding arbitration agreement regulating this matter. 
The arbitration agreement governing this alleged debt, entered into with XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Credit Card, explicitly mandates that " any dispute must be resolved through arbitration. '' Despite this binding agreement, you have knowingly failed to initiate arbitration proceedings as required. Instead, you have continued collection activities in bad faith, demonstrating a pattern of willful and knowing noncompliance with federal law and contractual obligations. 
Your actions amount to an egregious breach of your duty to act in good faith and fair dealing. Operating with unclean hands, you have persistently ignored legal requirements while seeking to enforce an unsubstantiated claim. Such conduct is not only unlawful but also unacceptable and indefensible. 
Demands : To rectify this matter, I demand the following actions be taken immediately : XXXX. Notification and Removal of Account XXXX : Notify all credit reporting agencies to permanently delete any and all information, tradelines, or data associated with this account. Written confirmation of this action must be sent to my address on file without delay. 
XXXX. Settlement Agreement : Provide a comprehensive written settlement agreement documenting the resolution of this matter for my records. 
XXXX. Monetary Compensation : Remit monetary compensation in the amount of {$1000.00} for your willful violations, bad faith conduct, and the harm caused to me by your actions. 
Failure to comply with these demands will result in the immediate pursuit of all available legal remedies, including but not limited to statutory damages, actual damages, attorney fees, punitive damages, and injunctive relief. Be advised that your continued bad faith and refusal to adhere to federal law and the arbitration agreement will be addressed with the full force of applicable laws. 
You are hereby instructed to respond in writing, addressing each of the above demands, no later than 14 days from receipt of this letter. Silence or further collection efforts will be deemed an acknowledgment of your bad faith and unclean hands, further exposing your organization to heightened legal and financial liability. 
This matter requires your immediate attention and compliance. I will accept nothing less than a prompt, lawful, and comprehensive resolution. 
Sincerely, XXXX Account Number : XXXX
Product: Credit card or prepaid card

This complaint is really referencing my inability to reach the collection agent that fortiva placed my debt with. They never answer the phone or return messages. Ive been trying to work on this for some time now
Product: Credit card or prepaid card

They closed my account because they needed to verify mi SSN, the SSN Administration coul n't and I am still with the account closed, its been 2 months now.
Product: Debt collection

IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.
Product: Debt collection

Online information services is claiming I owe them. I have no knowledge nor have I signed an agreement with this company. This is aggravated identity theft. I have no knowledge of this company. This is abusive, deceptive and unfair debt collection practices. This company has no means of my identity and reporting without my lawful authority. This is aggravated identity theft 18 usc 1028A. XXXX has committed unlawful extortionate and violating 18 usc 1894. No negative information should be reported on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card

I am writing in response to the letter I received from your company Midland Credit Management, regarding an alleged debt of {$5000.00}. which you claim was purchased from XXXX XXXX XXXX. 
Before any further action can be taken, I am requesting that you provide verification of this debt. Under the Fair Debt Collection Practices Act, I am entitled to receive documentation that confirms the validity of the debt, including the amount owed and proof that you have the legal right to collect on it. 
Furthermore, I am exercising my right to request that all communication from your company be in writing only, by mail. I do not wish to receive any further phone calls or emails regarding this matter. This is to avoid any confusion or misunderstanding that may arise from oral communication, and to ensure that I have a written record of all correspondence. 
Please note that failure to provide verification of this debt or continued contact in violation of my request will be considered a violation of the Fair Debt Collection Practices Act, and I reserve the right to take legal action if necessary. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX everyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

A debit collection company called " XXXX XXXX XXXX '' is reporting to my XXXX Credit report for a debit. They are claiming that this debit is from a hospital bill from XXXX of XXXX and became delinquent in an or " opened '' in XXXX. They are telling me it will remain on my XXXX  report until XX/XX/XXXX. This account is actually from XXXX of XXXX and became delinquent in XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted XXXX  by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Account Dear Credit Reporting Agencies, I am writing to formally request the removal of a XXXX XXXX XXXX XXXX  closed account with a reported balance of {$0.00} from my credit file. I previously disputed this account with XXXX, and after their investigation, the account was deleted from my XXXX report on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Since XXXX has completely deleted this account, it is evident that the account could not be verified. Therefore, you are legally obligated to remove it as well. 

Additionally, FCRA 609 grants me the right to request proper verification of any account appearing on my credit report. If your agency can not verify this account within 30 days, as mandated by FCRA 611 ( a ) ( 5 ) ( A ), you must delete the unverifiable account from my report. 

If this account is not removed within the legally required timeframe, I will take appropriate action under FCRA 616 and 617, which grant me the right to pursue legal remedies for willful or negligent noncompliance. Furthermore, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. This serves as my final request before pursuing further action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX LXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collection XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX Late Payment XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN BUSINESS CRED, I never contacted or contracted with this company. I contacted EXPERIAN BUSINESS CRED by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax believes my data to have been compromised in the recent hack. This is unacceptable.
Product: Vehicle loan or lease

I have asked Navy Federal Credit Union to verify the debt ( per FDCPA ) and to respond to my request within 30 days. The document was sent via certified mail with a return receipt. There was a return mail receipt signed and forwarded back to me. Therefore, the document was received. 
In the notarized document, I asked for debt verification. Prior to this, I spoke with an agent on the phone asking for a full document explaining the details of the car loan. I only received a XXXX page document that spelled out interest rates, the amount of the loan, and the number of payments. If this was/is an executable contract, there should be XXXX signatures, XXXX from myself and the other from a duly authorized Navy Federal Credit Union employee XXXX ( see document attached -requesting this information ). The notarized document was sent to them early XX/XX/2022. However, after submitting the document via certified mail, I have not gotten a response in writing. My request has been ignored. Please address this issue as soon as possible.
Product: Mortgage

On XX/XX/year> my loan was sold by XXXX  XXXX  to LoanCare by XXXX. We never received paperwork from LoanCare with new account information. On XX/XX/XXXX I received an email stating I was able to access my account and make payments. I called on XX/XX/XXXX trying to obtain our new account number and we were unable to access the account with the information. I called back that same evening and was told the loan was not doing being onboarded and to give it time. By XX/XX/XXXX I had received multiple emails asking me to call about my account. I called back on the XXXX and was told that they arent sure why I cant access still and they submitted a request to IT. I then received multiple letters stating I was in default and had not paid my XXXX mortgage payment with my previous servicer. I called in XX/XX/XXXX and got an email to submit proof of payment to and was again told my account was not done being onboarded and thats why I still couldnt access the account. I called again on XX/XX/XXXX and another IT request was submitted and that no XXXX is available for when this will be resolved. The payment research department did not understand why I was sending the documents showing my previous payment to cornerstone for XXXX. After explaining the situation I was told I would need to submit all my payment history with them for them to research. In the meantime I have received more letters stating we are in default and threatening foreclosure action. There is late payment fees attached and a derogatory mark on my husbands credit for it as well. It has now been 36 days since the transfer and I have no access to my account and have not received any statements.
Product: Credit card

So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX paypal.com limited my account accusing us of taking cash advances on credit cards. I called and explained we transfer cash to cash debit cards and have never taken a cash advance. Result : limitation was lifted XX/XX/XXXX paypal.com limited my account again stating they needed more detailed information on my selling practices, verification of my billing address, supplier information/invoices and proof of shipping product to a handful of clients they listed. I provided this information. 

XX/XX/XXXX paypal.com contacted me to review my business practices. The agent was confused how we could sell at a lower price than our invoices indicated. I informed the agent that we purchase gift cards at a discount and fill orders. It's a simple business model, legal, above board. Agent put me on hold for over 15 minutes and I had to drop due to another call. 

XX/XX/XXXX paypal.com sent me an email stating my account was permanently closed and my {$6800.00} balance would be held for 180 days. 

I've been selling online for years using paypal. I've very rarely experienced any issues, just periodic returns like any retailer. I've never had a chargeback. I run a legitimate business and paypal is targeting/harassing me. 

I called paypal.com back this XX/XX/XXXX and was told that if I changed my business practices ( not buying gift cards and adding prepaid debit cards to paypal ) that I might be reinstated. They have yet to reinstate anything. 

I kindly ask for any help you can provide.
Product: Credit card

In XXXX, I requested a Chevron credit card. After a few days, I hadn't received the card yet, so I asked to close the account and cancel the card. Since then, I haven't received any charges or the card. I thought this was resolved until I saw my credit score drop drastically due to delinquencies reported by this company. The initial amount is only {$6.00}, which is completely outrageous. I never received this charge, and the account was closed right after it was opened, without ever being used, since I never received the card. I haven't had any change of address. I demand that they remove this charge and eliminate the delinquencies from my credit report, as it is absurd. I do everything right to avoid these kinds of problems. This company needs to be held accountable for causing significant harm to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.