23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted Experian numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed. 

COLLECTIONS/CHARGE-OFFS : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent multiple attempts to XXXX, XXXX and TransUnion disputing incorrect names and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX added a collection account LVNV FUNDING LLC which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
LVNV FUNDING LLC never gave XXXX any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.
Product: Credit reporting or other personal consumer reports

The data breach was the cause of this issue and my information was used wrongfully
Product: Mortgage

XXXX. The first payment on record for me in a past filed XXXX in the Chapter XXXX module XXXX XXXX  was entered as {$2500.00} paid XXXX but XXXX. XXXX is credited to XXXX. 
XXXX. The first supplemental claim on XXXX XXXX XXXX XXXX was for {$1500.00}. 
XXXX. {$1400.00} suspense was joined to {$1500.00} and {$2000.00} in legal fees to square away missed payment. 
XXXX. XXXX states {$1400.00} in suspense. plus {$2600.00} on ( XX/XX/XXXX ) = {$4100.00} or two payments of {$2000.00}. 
XXXX. {$2600.00} being paid with in {$1400.00} in suspense XXXX was intended to be two complete payments. 
XXXX. INSTEAD {$3600.00} in expense for me, and further example of Mr. Coopers operation.

7. Mr. Coopers choices led to supplemental claim # XXXX, not a lack of funds. 
XXXX. Mr. Cooper why did you choose to fine me {$3600.00} for a " missed '' payment that was only missed by poor choices and employee? 

This error happened in XXXX and is still not corrected and can be verified with Mr. Cooper records attached.
Product: Credit card

I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. 

Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. 

Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?
Product: Debt collection

I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. Credit accepted refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.
Product: Money transfer, virtual currency, or money service

I made a purchase on XX/XX/XXXX for {$69.00} through a vendor ( XXXX XXXX ) that promised ( and still promises ) expedited 3-7 day delivery for customers in the United States and XXXX. I paid for the product through PayPal. After a few days without a product update, I contacted the vendor for a product update, but the email they had provided bounced back. I followed up with PayPal, who opened up a dispute, followed up with the vendor themselves, and promised to automatically resolve the dispute in my favor if I did not receive the product by XX/XX/XXXX. On XX/XX/XXXX, I followed up with PayPal to notify them that I had not received the product and to ensure they resolved the dispute in my favor. Instead, they told me they could not refund the amount I paid because their policy is to wait 20 days after any movement of the product. Between my initial outreach and XX/XX/XXXX, shipping information was made available for the product ( on XX/XX/XXXX ) and so PayPal now said that I had to wait 20 days from XXXX XXXX before I could get a refund. They asked for me to wait an additional 7-8 days ( after XXXX XXXX ), which I did. As of yet, I have not received the product. The 3-7 day expedited shipping is clearly not being provided. PayPal continues to tell me they can not return my funds, despite the fact that the vendor has not provided the product in the promised timeframe, and PayPal has not resolved the dispute in their promised timeframe.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to properly investigate and verify the accuracy of information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a dispute regarding the account reported by XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX simple through Experians online dispute system. I indicated that the account was incorrect and did not belong to me. In accordance with the FCRA, Experian was required to verify the accuracy of the disputed information by obtaining proper documentation from the furnisher or remove the account from my credit report. 

However, today, XX/XX/year>, I received a notice from Experian stating that the account had been verified and would remain on my credit report. Experian failed to provide any documentation or evidence to support this verification. I believe this response does not comply with the requirements of the FCRA to conduct a proper investigation.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 611 ( 15 U.S.C. 1681i ) Experian is required to conduct a reasonable investigation of disputed information within 30 days. I do not believe a thorough investigation was conducted, and Experian did not obtain sufficient verification from the furnisher.

2. Section 609 ( 15 U.S.C. 1681g ) I requested verification of the account, including documentation to show that the debt or account belongs to me, but Experian has not provided any such evidence. 3. Section 611 ( a ) ( 5 ) If the disputed information can not be verified, the credit reporting agency is obligated to delete or correct it. Despite the lack of proper verification, Experian has continued to report this account on my credit file.

Relief Requested : I request that the CFPB investigate this matter and ensure that Experian provides adequate verification documentation for the disputed account or removes the account from my credit report if they are unable to provide proper verification. 

Thank you for your attention to this matter.
Product: Debt collection

After multiple threatening phone calls to my wife, threatening to have me arrested, she told them to send the cops. They then sent a letter stating they were suing me, threatening to get a garnishment and a lien. I contacted my attorney who advised me this is a scam and to notify you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute on Equifax 's website on XX/XX/2019 for inquiries I did not authorize on my credit report. I was told that you couldn't do it online with them but when I got on their website to see my inquiries, they had a dispute section for inquiries. So I filed the dispute and listed the inquiries I did not recognize and they said it could take up to 30 days. 4 days later I got the results of the investigation only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent and require immediate resolution. 

ACCOUNTS - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX  XXXX - XXXX  XXXX INQUIRIES - XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX An official identity theft report has already been filed with the Federal Trade Commission XXXX FTC ), and I am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE XXXX ACCOUNT NO : XXXX TRANSUNION XXXX XXXX XXXX XXXX   XXXX I had XXXX XXXX XX/XX/2019 to XX/XX/2019. For one month charged {$130.00} including deposit.

I Paid as follows : PROOF OF PYMT ATTACHED XX/XX/19 {$50.00} DEPOSIT XX/XX/XXXX {$70.00} XX/XX/19 {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay and XX/XX/XXXX I ported the phone over closed the account there was a balance of {$50.00} which I paid IN THE STORE and closed account. I never received a bill and was never able to access bills on line. 

INCORRECT INFORMATION -- a COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a zero balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached.

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/2019 NOT COMPLIANT WITH FTC or FCRA
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  Account Number XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card/ loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was opened under my name with XXXX. I have contacted XXXX as well as the credit bureau Experian to make them aware of the issue and the account has not been removed.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/scrub>/2020 Employers : XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/2021, i sent SANTANDER CONSUMER USA a letter about the inaccurate information reporting on my credit report saying that i owe XXXX.I even sent them another letter asking for the validity of the debt on XX/XX/2021, in which i haven't received.I would like to resolved this matter and i have attached copies of the letters below as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX, VA XXXX To Whom It XXXX XXXX XXXX Subject XXXX Identity Theft Notification and Request for Removal of Fraudulent Account I, XXXX XXXX XXXX, born on XX/XX/XXXX, and residing at XXXX XXXX Way, XXXX, VA XXXX, am writing to formally notify you of an incident of identity theft that occurred in my name on XX/XX/XXXX The fraudulent account was originally established with Bank Of America. The account is reported to have an outstanding balance of {$2800.00} I want to assert that I did not authorize the creation of this account, nor was I aware of its existence until recently. This fraudulent activity has resulted in significant emotional distress and has adversely affected both my credit score and the well-being of my family. 
In accordance with the Fair Credit Reporting Act, I have attached a notarized identity theft affidavit for your review. I respectfully request that you investigate this matter thoroughly and remove the fraudulent account from my credit report at your earliest convenience. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX XXXX [ Attachment : Notarized Identity Theft Affidavit ]
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit card account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021
Product: Credit card or prepaid card

I have recently moved out of the US for good. As such I am closing most of my credit cards that I haven't used for a while and those that don't have any balances pending. 
As part of this I also closed an XXXX Amex Gold Card (XX/XX/XXXX18 ). I mentioned the reason for card closure to the agent as well. 

Unfortunately American Express claw-backed XXXX MR points that I had received as welcome bonus claiming that I was trying to game the system! I tried reinstating the card as well but Amex wont allow me to do that too.

I have been a loyal Amex customer for almost 2 years in the US and prior to that for 7 years in XXXX and XXXX. I have never tried anything that goes against the ToC. It is simply unfortunate that that I had to close one card within 6 months of opening! 

All I am asking is that the points to be reinstated as a goodwill measure.
Product: Payday loan, title loan, or personal loan

This case is about a payment made that resulted in the vehicle being paid in full. The Bank refuses to give me the documentation to release the loan on the vehicle. The car was paid in full on XX/XX/XXXX, Money deducted from bank on XX/XX/XXXX, the bank stated that they received the payment in full payment on XX/XX/XXXX, XXXX mailed out on XX/XX/XXXX. I called on the 4 of XX/XX/XXXX and all of this information was confirmed, but I never got the title which they stated I will received in 7 to 10 business days there words not mines. They wrote it in my account also. I called and ask where is the title release document, TD bank stated that why I want the title? ... I stated i plan on selling the car and want to hand the new buyer a clear title. TD bank stated we do not know what happen to the title just do a bill of sale. ( What? ). I said no I want a title release document from you to get a title... Why can I get a title? TD bank stated shy are you rushing us to give you a title. I read back to them, their words : " You will get your title back i 7 to 10 Business days '' on my online account. They said " Why are you looking online at your account it is close. I said I still have access to it and your lien is still on the title account. They said I can not get the title release document do a technical difficulty on our end. I just want my title release document - TD bank has been given me wrong information and flat out lying to me. I still have not got a date or an acceptable status of the title release documents being sent. They done nothing but give false and misleading information but no title release has not been mailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT CREDIT ONE REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX XXXX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX  3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX  

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX