23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented a car from XXXX in XXXX North Carolina end of XXXX into the first week of XXXX which was involved in an accident where a bear ran into the car. I contacted XXXX  with no response. They told me to pay my deductible towards it at the airport but the desk was empty. I contacted my insurance company to make a claim, XXXX and they failed to get responses at well from them. XXXX never once reached out to me to talk about what was owed, not once. No phone, no letters, no emails, etc. Now my debt of about XXXX dollars including bogus fees is sent to vikings collections more than a year later and I've never been contacted once about this prior to. I need to know if this debt is legitimate or not and if it's owed by me or my insurance company, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to dispute a fraudulent inquiry on my credit report and o one wants to remove it the date of the inquiry is on XX/XX/XXXX of 2020
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my credit file, despite my tenth attempt to rectify the situation. Despite providing extensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXXS XXXX XXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, T XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX on my credit reports from Equifax and XXXX. The discrepancies in the reported information are significant and misrepresent my credit history. I request the immediate removal of this account from my credit reports due to these inaccuracies. Below, I outline the specific discrepancies and the relevant Fair Credit Reporting Act ( FCRA ) provisions that support my claim. 

Discrepancies Identified XXXX. Date Opened : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Balance : Equifax : {$7700.00} XXXX : {$0.00} XXXX. XXXX XXXX XXXX : Equifax : {$1300.00} XXXX : {$0.00} XXXX. Last Reported Date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Last Payment Date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Issues and Impact The discrepancies in the reporting of the Date Opened, Balance, Past Due Amount, Last Reported Date, Date Last Active, and Last Payment Date indicate significant errors in the information provided by Upgrade. The differences in the past due amount, with Equifax showing {$1300.00} and XXXX showing {$0.00}, are particularly concerning. These inconsistencies not only misrepresent my financial status but also potentially harm my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The significant discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the collection agencies and the credit reporting bureaus regarding fraud and Identity theft. A freeze was placed on all three reports due to this issue. 
XXXX XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission of proof, Equifax responds stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and providers consumers with necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

When trying to make monthly payments through the Mariner online portal the amount the system would allow you to pay was frozen which forced us to mail in payments through our online banking app. The payments were collected and the company still turned the account over for collections, followed by a lawsuit on the promissory note. This happened each month on the online application. The company would not allow you to just make XXXX payment if XXXX payments were due.
Product: Money transfer, virtual currency, or money service

I opened a Paypal Business Account on XX/XX/XXXX. I have been a customer of Paypals since XXXX -- almost a decade. I have previously had both a personal account as well as a business account and have never had any prior issues. I decided to open a new business account since I have started a new venture and would like to separate the finances from my other account. 

On XX/XX/XXXX I received an email with the following subject line : We need some information regarding yourPayPalaccount. ( Ref ID XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/XXXX through XX/XX/XXXX I uploaded and provided them the requested documents ( Passport, SS #, etc ) as well as tracking information from the first three purchases on my website. On XX/XX/XXXX I received an email with the subject line : You can no longer do business withPayPal ( Ref ID - XXXX ). Immediately after, on XX/XX/XXXX at XXXX XXXX  EST I called Paypal Customer Service and had a 58 minute phone call with them. I asked for the reason why my account was permanently limited. The representative told me that they can not tell me the exact reason, but that the decision is final and can not be resolved. I asked them if this was a misunderstanding and if I had potentially uploaded a file wrong or if they needed any additional information. They said no and said that my information was high risk or possibly fraudulent. I asked for specifics so I could simply fix the issue, but they said no and assured me the decision is final. I asked to be transferred to someone higher up in their department. I was transferred to a man named XXXX who is a department lead and he told me all the same things. He told me that an individual from his team had reviewed the information I had submitted and that I was flagged as a potential risk. I got off the phone with no additional answers or explanations and I am at a loss. 

I am very frustrated because I have been a customer of Paypals service for literally a decade. I have never once had an issue. I have never made a fraudulent purchase or sale. I have always provided the information they needed from me at the time it was requested, and I have always had the same bank account. There has literally never been an issue. 

There is {$69.00} stuck in the account and I can not withdraw the funds for 180 days and Im not sure I can after that either. Paypal is keeping me in the dark on this decision and process. I have stopped taking payments through PayPal on my website until this is resolved. Paypal also conveniently took their fees out for themselves before shutting me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have formally requested that XXXX  XXXX XXXX  XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.
Product: Mortgage

My property, XXXX XXXX XXXX XXXX, XXXX, VA XXXX was purchased in XXXX, XXXX. At the time, the address was XXXXXXXX XXXX XXXX XXXXXXXX, but the country changed it to XXXX XXXX XXXX XXXX. The mortgage was originally with XXXX, but it was transferred to XXXX XXXX. XXXX XXXX asked for proof of insurance and I provided it, although numerous attempts to change the name of the address were ignored.In XXXX of XXXX, Newrez LLC purchased the mortgage and I paid them the amount-usually with an additional sum to reduce the principal. At the beginning of this year, Newrez informed me that in the absence of insurance, they would start collecting an escrow amount. I promptly had my insurance company, XXXX, send them proof of insurance. The company sent me an email that it had received this. It nevertheless continued to include an escrow amount in the mortgage statement. I called and a representative told me that the insurance was for a different address. I told them that XXXXXXXX XXXX XXXXXXXX XXXX. no longer existed, and he gave me an email address to which I could send a copy of my tax. I did so, but Newrez continued to include the escrow in its statement. i called and was told that I had sent it to a wrong office. I then sent another copy of my tax to the new email address. Newrez continued to collect escrow. I called again and was told that they needed proof that it was covered by XXXX. I had XXXX XXXX send them proof of address change, proof of XXXX and proof of tax receipts. Newrez sent me a letter stating that the escrow amount would increase. In all of this time, I have only received three letters from the company. The first asking for insurance proof. The second one in late XXXX telling me that the problem was too complex, and the 3rd informing me of the increase in escrow. This is either incompetence, malevolence or both.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by Portfolio Recovery Associates on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED WITH THE EQUIFAX DATA BREACH. THERE WERE FRAUDULENT ACCOUNTS LISTED BELOW OPENED IN MY NAME. THE ACCOUNTS ARE 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 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been compromised due to a data breach and I am seeking the removal of affected accounts from my credit report. I have already filed an FTC report and contacted the credit bureaus. 
I am writing to formally dispute several accounts that have been fraudulently opened in my name as a result of a recent data breach and identity theft incident, as detailed in the attached Federal Trade Commission ( FTC ) Identity Theft Report ( Reference Number : XXXX ). I have been a victim of this data breach, which resulted in unauthorized access to my personal information, including but not limited to my Social Security number and financial account details. 
The following accounts were fraudulently opened and reported under my credit file without my authorization : 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 XXXXXX/XX/XXXX XXXX. Remove all fraudulent accounts listed above from my credit report. 
XXXX. Remove any negative items associated with these accounts, including late payments, defaults, or collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had two Capital one credit cards They were closed when two returned payments were realized by a mistake in the mobile app that defaulted to my other dormant capital one saving account that have never been used. This was a mistake by the design of the app by defaulting to my saving account and not my checking account, I am partly at fault for missing this default mistake XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX closed as related card for a mistaken returned payment on the below card There has not been a return payment on this account in over two years and the account has been current for years and had a XXXX balance when closed XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX Capital one closed both accounts because of a software app error on their part and also my mistake by missing the choice of my saving over checking accounts, In conversations with them they are unwilling to look at what transpired and said it relates to what is a long ago history dating back to XXXX thru XXXX when they where 55 returned payments in my struggle to stay current on my bills during an extended period of financial hardship.. 

There is no reason to close the account, both had XXXX balances and have been paid on time for years. 

If what happend is carefully looked at there was no fraud, it was a software mistake caused by Capital one and my negligence in noticing the software error. 

please have the accounts reopened please call with questions XXXX,
Product: Checking or savings account

i have not recieved my Wells Fargo settlement check. please help me get my settlement check
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. XXXX, XXXX, Experian. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. XXXX did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as Experian, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX  XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
Product: Debt collection

I recently receive and letter from XXXX stating this debt was paid in full. Trident Asset Management, LLC is trying to collect on a paid debt. I want them to remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on an account with preferred credit I have never been late on any loan when the XXXX and XXXX payments were not paid they never sent anything to my resident or a call for me to resolve the problem but instead reported a missed payment on my great credit score which in return dropped my score XXXX points after learning this I was able to call and the response I was given is they can not take this off my record in return I paid to get the account up to date but I am very upset they didn't notify me to get this resolved before the damage to my credit score I would like this missed payment removed from my record since I was not informed of this and was not given a chance to resolve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report
Product: Payday loan, title loan, or personal loan

I have been paying this loan for more than a year and the principal has not changed. I borrowed {$2000.00} and have paid {$4600.00} into this loan to date. 
When I called about this, the company said I could increase my payments if I wanted to pay it off faster. The company keeps changing the amount deducted, reducing it so that no principle is paid, just interest fees.
Product: Debt collection

An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off my credit report.