23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX I ordered apparel on-line from XXXX XXXX. I received the three like items which were defective and notified the retail store. They had requirements to meet to issue a credit which I fulfilled. When I received a bill from Comenity I phoned immediately and advised them that the items were being returned and a credit issue, therefore I would not be making the payment. They noted the account. 
In XXXX I received another bill for the purchase amount, interest and a late fee of {$33.00}. I phoned again and their response was, " That's not our problem. '' Finally XXXX XXXX issued the credit and I paid the shipping and sales tax which they had not included, but I just wanted it done so I paid it. 
The next month I received another bill showing the credit and my payment, but continuing to accrue late fees and interest. I phoned again and they said, " We don't care what they did. We'll continue to charge you until you pay it. '' When I said, " But you are charging me for nothing '' they said, " And we will continue until it reaches an amount that makes it an amount to send to collections. '' The Late Fee went from {$33.00} the first month, {$38.00} the second month, {$39.00} the fourth month, and they are adding interest each month. My last bill was {$230.00} for NOTHING! They are also reporting monthly to credit institutions which is lowering my credit score drastically. I phoned them again and they said they didn't care.
Product: Credit card or prepaid card

I booked a XXXX night stay at XXXX XXXX By XXXX at XXXX XXXX for a King size bed. Upon arrival, a Queen size bed was only available and the rate difference to be refunded was promised. In addition they gave us a breakfast voucher as an inconvenience. However upon return to the USA, the hotel refused such claims and the credit card company, Capital One refused to assist in the situation siding with the hotel. The matter of the fact is I booked a King size bed room for XXXX nights and was only delivered a Queen Size Bed for XXXX nights. I have records and receipts of the stay showing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage from PNC Bank was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to PNC Bank, but have gotten nowhere. 

PNC BANK XXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the XXXX report.
Product: Student loan

After years and years of smooth auto pay payments, my payment was reversed and it placed my account into past due status. I have no idea why this would happen but after a little research I discovered this is not an unusual thing for Mohela to do. Id assume this is a computer glitch but Id like my payments to be considered on time ( they were ) and whatever reversal happened to be reversed back. Theres zero reason on my end why this would have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the XXXX  credit bureau, but did not comply with all the requests. XXXX   arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX  company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and discover card still ask me for responsibility to pay no matter what
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, XXXX  Account Number XXXX, XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, are not complete and accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, balance is different on on all XXXX credit bureau this account is not accurate XXXX XXXX  account # XXXX This account information is not accurate. 

XXXX XXXX associate account # XXXX this account information is not accurate open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
XXXX XXXX XXXX account # XXXX, this account is not accurate
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  IS REPORTING A MEDICAL COLLECTION DEBT THAT IS NOT MINE, AND IT VIOLATES THE HIPAA LAWS
Product: Debt collection

Portfolio Recovery Associates has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Portfolio Recovery Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Portfolio Recovery Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Portfolio Recovery Associates via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Portfolio Recovery Associates as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Portfolio Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Portfolio Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

Upon reviewing, Chase indicates that my two credit card accounts have been closed on XXXX XXXX without any notice.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/year>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/year>
Product: Credit reporting or other personal consumer reports

Myself and my mother are fully XXXX Individuals ; that has been fighting Identity theft for over 6 years. 
I have recently reviewed my Credit Reports from all 3 Credit Reporting Agencies, and was shocked to have learned that I have been a victim of identity theft. I found numerous accounts that are 3

Collection accounts that were found unverifiable, invalidated, and inaccurate, on my credit reports that were not opened by me ; as well as, multiple fraudulent incorrect usage of my Name.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S. Code. 1681e ( b ) and U.S. Code 1681 ( 5 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill
Product: Credit card or prepaid card

My name is XXXX XXXX. I have a Capital One credit card ( XXXX ) XXXX, Capitalone.com with a {$8500.00} credit limit. My credit rating ( depending which credit agency ) ranges from 792-827 I always pay off all my bills for the full amount every month and have an annual salary in excess of {$170000.00} Today I checked my account and discovered my credit limit was reduced to {$2000.00}. I called Capital One at XXXX and was told they reduced it because I wasnt using all of the credit. I then spoke to the account manager and he refused to increase it back. Even though the reduction would adversely affect my credit rating, which in the end affects what we pay for everything ( ie : car loans, etc )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that Social Security Admin Office O are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. This company completely ignored my validation, I even went as far as calling them and attempted to do so for months and left voice messages. 

XX/XX/2021, you proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. 


You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. 

I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. 

As you may be aware, " XXXX XXXX XXXX '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

The following inaccurate accounts are still being reported : XXXX, account number XXXX, reporting balance of {$880.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$2100.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$10000.00} ; XXXX XXXX XXXX, account number XXXX, reporting balance of {$220.00} ; XXXX, account number XXXX, reporting balance of {$0.00} ; XXXX XXXX XXXX XXXX account number XXXX XXXX reporting balance of {$970.00} ; XXXX XXXX XXXX XXXX account number XXXX XXXX reporting balance of {$1200.00} ; XXXX, account number XXXX, reporting balance of {$620.00}. 

Additionally, the following unauthorized inquiries remain on my credit file : 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 

Incorrect personal information includes my name being listed as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and an incorrect current address at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. These errors must be immediately corrected.
Product: Mortgage

I am a mortgage originator and have been for almost 15 years. There is a Company Activus Home Loans that is using misleading marketing materials to my clients making them think it is coming from me. I have had over 10 calls from clients that have said I sent them something regarding refinancing which I never sent. One of my client sent me a picture of what it was. On the very top it has my companies name.. on the bottom footnote in tiny writing it does have a disclaimer stating not to be affiliated with my company, however where the problem lies is they are putting our company on very top in larger font than what they have their company name at. Very misleading for consumers.. I believe they are purposely misleading by the way they have structured their marketing material..
Product: Debt collection

There is a debt at UNited holding group that was sold by XXXX and I need this debt validated or removed.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX I submitted an online payment to Hyundai Motor Finance ( HMF ) in the amount of {$14000.00} to pay off the final lease payments and purchase a XXXX XXXX XXXX. 

I requested that the title be sent via XXXX, but nothing ever arrived. After about a month, I contacted HMF and was informed that they had sent the title by XXXX and instructed to wait for it to arrive, but they would also send a letter of no interest. 

On XXXX XX/XX/XXXX, I called HMF again to inquire about the status of the title and letter of no interest. An agent named XXXX told me that the title had been returned by XXXX to HMF on XXXX XX/XX/XXXX. I was transferred to a special agent named XXXX who told me that he did not have a record of the title being returned to HMF. He said they sent the letter of no interest on XXXX XX/XX/XXXX, but that never arrived either. XXXX instructed me to send a letter requesting a duplicate title plus a check for {$15.00} made out to the Virginia DMV. That letter was sent by certified mail on XXXX XX/XX/XXXX and it was signed for at the HMF Titles Department on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I called back to find out why the DMV check had not been cashed. I again spoke to XXXX who told me that they have no record of receiving the letter/check. I gave him the tracking number on the certified letter, and he said he would forward it by email to the titles department and to call back in 5 business days for an update. 

On XXXX XX/XX/XXXX I called back and again spoke to XXXX. He said there has been no update. He said he would send another letter of no interest via XXXX and he said he would again escalate the issue by email to the titles department. 

It has been nearly four months since I paid off the vehicle. I am unable to sell it because I don't have the title, and HMF has not given me any indication that they have processes in place to remedy this issue. The {$14000.00} that I spent on this car represented the bulk of my emergency savings. My intent was to sell the car and recoup that money. The value of the car is decreasing the longer I wait to sell it, and I am also continuing to pay for auto insurance on a car that I am not using.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from  XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

Experian said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
Product: Student loan

Predatory lending practices, deceitful, fraudulent. Interest drained to keep you in debt for life.
Product: Mortgage

Back in XXXX of 2015, our mortgage was transferred from XXXX XXXX XXXX to Nationstar. When this happened, we discovered an erroneous charge/late fee on our account. When we went to dispute this charge with XXXX XXXX XXXX, they referred us to Nationstar. We contacted Nationstar several times, via phone and email to rectify this situation. After the XXXX attempt, Nationstar confirmed that they would take care of our account and give our account a current status. However, that has not been the case. Due to XXXX XXXX XXXX and Nationstar 's errors and omissions, not only has our account suffered, our credit score has been damage by at least XXXX points, if not more, and we still have not been able to get any assistance with this issue. I want to file a formal complaint against XXXX XXXX XXXX and Nationstar for their lack of customer service, their unwillingness to assist us, and for damaging our credit scores. Please let us know what other avenues we have to make this right.