23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please provide the following information : 1. The name of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

2. A detailed statement of the alleged debt, including the amount, interest, fees, and how these amounts were calculated.

3. Proof that I am legally obligated to pay this debt.

4. Any documentation showing that I agreed to pay the alleged debt.

5. A copy of any judgment, if applicable.
Product: Debt collection

I checked my credit score on XX/XX/XXXX and noticed it dropped 55 points because something was in collections. The amount was for {$140.00} and the account was opened on XX/XX/XXXX. The company was First Credit Services. The original debt was from XXXX XXXX XXXX. I called First Credit Services and told them I never received a notice or a phone call. Then then asked for my phone number and address. The address they send my collections to was an address I moved out of in XXXX of XXXX. 
I canceled my gym  membership in XXXX of XXXX and paid first and last month of my membership. They charged me late fees and in XXXX charged me an annual renewal fee even though I canceled in XXXX. I was not aware anything was going to collections and XXXX never called me to inform me.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one compnay is reporting XXXX  all of them should report XXXX
Product: Mortgage

Lender ( RP FUNDING ) not only failed to disclosed that the PMI will be for the life of the FHA loan, but their loan officer ( XXXX XXXX ) provided inaccurate information stating, the PMI collected every month will be terminated at 11 years. According The the Federal Housing Administration / HUD this is not true for loans originated on or after XXXX 2013. My personal opinion do not trust or so business with RP Funding, additionally their cushier services provides misleading information not in a timely manner and usually, stating the information without provided within the time required by law, but not providing what the time required by law is. The PMI for life regulation of XXXX 2013 is unreasonable and by no means protects the consumer but money hungry computations. It is sad how this organized crime and scam is supported by this U.S government I now serve as a member of the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied to purchase some cars at XXXX of XXXX XXXX in XXXX XXXX. 


I was told that we as a company were approved for vehicles we wanted to purchase at their dealership. There was an error in the way they structured the deal ( their fault ) then realized they would need to submit that to their business customer support channel and would take days to get a response. They advised it would take approximately 2 days and get back with me to come and purchase cars. In the meantime they sold to highest bidder even though we had ordered cars for us, even though they pulled our credit. 

This is infuriating to say the least, why? Because we have worked for year to establish tier 1 credit, sweat equity, as well as a lot of things to figure out how to come up with large amounts of cash to pay off loans and sell our old inventory to bring in the new and literally just be left hanging because they made a few extra dollars on a deal. 

I don't mind them making money, the problem is pulling the credit, telling us we were approved and then blame it on " you weren't approved '' all the while cars were listed on their website.
Product: Credit card

On XX/XX/2024, I received notification of 4 transactions totaling {$440.00}. I contacted my credit card company ( Upgrade ) the next morning to dispute the charges. They credit company reversed the charges upon review. Today, I received an email saying the dispute was declined, because I benefitted from the transactions. The credit card company then provided the information of the transactions. I called the merchant number ( XXXX XXXX XXXX  ) and they informed me that thought their merchant name and number was on the transaction info, my name and phone number had XXXX transaction history. I contacted Upgrade Credit Card again to show them the website had several complaints about fraudulent charges around the same time frame as my fraudulent charges were made. I also told them the email in the transaction history is not mine, nor have I ever seen that email. Also the purchase IP address is located in XXXX, XXXX and I do no live in XXXX. However, the credit card company said that they could not reopen the dispute.
Product: Debt collection

This is a collection account that I never signed or agreed too I have no knowledge of where this account came from or why I am being charged for this as I have no accounts in similar to this account and need it removed from all credit profiles ASAP as this is hendering my business growth
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Product: Credit reporting or other personal consumer reports

I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.
Product: Payday loan, title loan, personal loan, or advance loan

I paid a deposit using PayPal credit and was not shown any terms and conditions when I made the purchase, now they are enforcing the merchants terms and conditions and not approving the chargeback even tho it was a fraud
Product: Debt collection

I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile, I noticed I had several fraudulent accounts reporting my credit profile. 

XXXX ******* LVNV FUNDING LLC Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance on XX/XX/XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX, I became aware of the Equifax security breach, and was given incorrect / unhelpful information by the company about whether I was impacted. I now must go through my entire credit history and lock it down to avoid a potential financial disaster. It 's unreasonable that they are allowed to give a token amount of effort as a recourse to their customers - especially those customers that never even knew Equifax had their information.
Product: Vehicle loan or lease

Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.
Product: Mortgage

After a prior complaint weeks ago to the CFPB, boa acted like they would send me a quote and let me reinstate. Now I see they are going to foreclose on me tomorrow, XX/XX/XXXX at XXXX. I am able to pay, but boa seems not to want to let me pay. They are trying to trick me into foreclosure instead of letting me pay. Please help!! 
This is retribution for my earlier complaint. I can pay if given the chance!!
Product: Credit card or prepaid card

I charged {$60.00} in XXXX. I had no balance at that time. I never got a bill or a call regarding due date or amount owed or past due status until I saw a late payment in the credit bureau site. I called Capital One to tell them I never received anything - no mail, no email, etc.They said I opted out of paper statements so it is on me to go to the website to pay. 
I reminded them that on THEIR site I had already set up " 5 day email notice on payments due ''. They confirmed they had my email address. They confirmed that none had come to me because the emails were getting " bounced back ''. When I asked what would cause that, they said to ask XXXX. I checked with XXXX and there were no blocks or any kind of restriction for anyone. I told Capital One that their email ads come thru, so why not their emails? Again I was told the fault was on my end. 
This {$60.00} charge was noe {$130.00} - which I paid just to stop the progression. I asked to have late fees credited and the credit bureau told it was a mistake- but they insisted it was my fault for not remembering to go online and check. 
There are NO other dings on my credit report than theirs, and I am angry about that. Thank you.
Product: Debt collection

I have recently discover that someone has been using my ID and personal financial information to open up accounts for lines of credit and business transactions with companies that I do no recognize. I have several lawsuits that I was unaware of that have dubious origins and various jurisdictions. I was able to locate the XXXX XXXX items that are not mines and are fraudulent actives starting on or around XXXX to present. I have file a FTC ID The Affidavit as well as a CFPB compliant against these companies. The follow accounts and case are fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/Case No. XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws. 

I demand that you : XXXX. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated. 
XXXX. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter. 
3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

Sincerely
Product: Money transfer, virtual currency, or money service

Approximately between XXXX XXXX, I contacted PayPal through its fully controlled communications system. Therefore an exact date is unavailable on my end. When the initial email was made to PayPal a response was made, but to my surprise, they are automatically destroyed and can not retrieve any information. Further, what I recollect from the email response was for me to contact PayPal via phone. Which was done on or approximately XXXX XXXX? 

Contacting them only led to long automated responses and ending with " Paypal is not available at this time, please try your call again later ''. 

Today the XXXX, XXXX I attempted to retrieve my account, of which the original emailed expressed that I no longer had my old cell phone number, therefore I could no longer retrieve my account. On XXXX XXXX, at approximately XXXX hrs, I attempted to submit another support communication ticket regarding the issue. But after writing down an extensive explanation of my problem, their portal caused an error of some sort. This has caused frustration and lost time and XXXX   inaccurate information to retrieve accounts in industry-standard form has created further delays and problems. I'm only looking to access my account without further delay or automated problems that fur4ther cause delay.
Product: Credit reporting or other personal consumer reports

Not reporting to CRA XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. Consumer is now requesting XXXX, XXXX, and XXXX to provide documentation used in determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. XXXX, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX ARBOR PROFESSIONAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX  XXXX {$10000.00}
Product: Debt collection

I constantly am getting emails from this debt collection company named National enterprise systems, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX to settle a debt that has already been removed from XXXX and XXXX and or XXXX. I'm literally letting email every 2 days twice each time to settle a debt that is no longer on my credit report. I've attempted repeatedly to contact this company, I've sent emails and they still won't stop sending me collection notices via email. The emails have been coming since XX/XX/2022. Here is a couple of their email addresses ( XXXX ) And ( XXXX ). 

Also the NES account # they placed on my name is XXXX and XXXX
Product: Mortgage

I sent a request for information/notice of error under RESPA to my mortgage loan servicer Nationstar dba Rushmore Loan Servicing on XX/XX/2024 by certified US mail receipt of which was confirmed. 
Having not received a response, I called Nationstar on XX/XX/XXXX and they told me they sent a response to my lawyer on XX/XX/2024. I contacted my lawyer but he never received the response. I don't have any pending lawsuit against Nationstar having settled it last year so any response to my letter and any correspondence of any kind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Respond within Requested Timeframe Dear Equifax, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XX/XX/2023, within the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against Equifax. 

Despite providing ample time and opportunity for Equifax to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by Equifax 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that Equifax may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, Equifax has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against Equifax to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

Equifax 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore Equifax to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from Equifax within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from Equifax will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that Equifax will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

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

On XX/XX/XXXX, 2017, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ).
On XX/XX/XXXX, 2017, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use TransUnion 's online portal to place an extended freeze on my credit report. Usually the online portal will tell me that the system is busy and can not process the request ; however, occasionally, it will give me the error that it can not give me a copy of my credit report. I already received a copy of my credit report, found fraudulent tradelines, and I need to place a Freeze. TransUnion 's error does not make any sense. 

I am the victim of identity theft and need to freeze my TransUnion credit report, but can not obtain a freeze from TransUnion.