23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery has been calling me about a XXXX XXXX  XXXX XXXX credit card that was opened in XXXX  as a result of identity theft. 

I had a relative living with me that used my information to open this account. I have disputed this several times with Portfolio Recovery and they continue to call. I have told them that I will not pay this and to stop calling. They will stop calling for a couple months and then start calling again in the same cycle. This has been going on for years. 

I have spoken to at least 15 reps at Portfolio Recovery and I tell them the exact same thing. Each time I disputed it comes back as a valid debt but I did not open this account. My aunt had access to all of my information and she did this. I have a police report to show this.
Product: Debt collection

I contacted The President and CEO of XXXX XXXX XXXX XXXX, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and XXXX responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.
Product: Credit reporting or other personal consumer reports

There's an unfamiliar account listed on my credit report that I suspect might be linked to identity theft or fraud.
Product: Debt collection

I XXXX XXXX am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has fraudulent accounts on my profile that need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on XXXX and Equifax as a charge off which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I was 90 days late on XXXX different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( XXXX ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus XXXX XXXX XXXX XXXX.
Product: Debt collection

I am already paid XXXX XXXX  {$2400.00}.
Product: Credit card or prepaid card

Within the last 2 months, Synchrony Bank closed my credit line due to inactivity. I contacted PayPal initially because that who I originally opened the account with ( PayPal Credit ). They have since turned their accounts over to Synchrony Bank. I contacted Synchrony yesterday and was initially told that it was a part of their terms and conditions that an account be closed due to inactivity. I have not used the account since 2019. I then requested a copy of the Terms & Conditions. I was advised that they were not available to be sent to me. The CS Rep, then said he would review them. When he returned to the call, he stated that the Terms & Conditions did not advise of an account closure due to inactivity. I also want to state that I have 2 other accounts with Synchrony Bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I rarely use that are still open. They are credit cards. Companies/ '' Banks '' should not be allowed to make up the rules as they go along. This has impacted my debt-to-income ratio, which, even though the credit line was not high, it did help. Especially in the process of purchasing a home.
Product: Debt collection

My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from AARGON agency XXXX XXXX  XXXX. XXXX XXXX OPENED TWO COLLECTIONS AGAINST ME.
Product: Checking or savings account

On XX/XX/2022 my funds were removed out of my bank account. I filed a complaint and they refused to help me and said it was following the law and they must transfer my funds it was court order by the collection company during the stimulus relief package I received my funds and my child tax credit and the bank removed my funds and caused XXXX  XXXX. Recently I received a letter in the mail my account was in the negative and I disputed the charges and informed the bank of the error that caused me severe hardship with my XXXX children and sick mother. Furthermore, by law the funds are exempt from garnishment and offset even with a court order since it was federal advanced funds that was funding to help the economy during covid 19.
Product: Credit reporting or other personal consumer reports

I submitted a request for Description of the Procedures used for you to come to the conclusion that information I disputed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You responded On XX/XX/2023. that my dispute was verified. I then sent via CFPB feedback on XX/XX/2023 a request for the Method of Verification used to verify this account though you failed to address the true basis of my dispute which is that my privacy rights are being violated for this account to report without my permission in the first place. 

I submitted another request for Method of Verification re : FCRA 611 ( A ) ( 7 ) / FCRA 611 ( 6 ) ( a ) ( B ) ( ii ) via CFPB XXXX XXXX XXXX XXXX 

In accordance with FCRA 611 ( A ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) .You failed to provide all the information required as you had 15 days to do so in accordance with FCRA 611 ( A ) ( 7 ) ) and 611 ( a ) ( 6 ) ( B ) ( ii ) and on each occassion you failed to do the right thing. This means you owe me {$1000.00} at this point as you failed to legally respond to my request in the required 15 days.

The basis of my dispute was based upon my privacy rights being violated as this information is reporting on my consumer report without my permission and should not be on my consumer report without my instructions. Remove it and pay me {$1000.00}.
Product: Credit reporting

My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue involving XXXX XXXX XXXX. Despite numerous attempts to resolve this matter through dispute processes, the inaccuracies persist and are affecting my credit profile adversely. 

Account Information : Account Name : XXXX XXXX XXXX Disputed Information : XXXX and sale of vehicle, missing Right to Redeem, XXXX, and Notice of Deficiency XXXX XXXX XXXX XXXX and auctioned off my vehicle but failed to provide me with the following essential documents : Right to Redeem : I did not receive a notice or any opportunity to redeem the vehicle before it was sold. 
XXXX Form : I have not been provided with a XXXX form, which is required for reporting canceled debt. 
Notice of Deficiency : I did not receive any notice of deficiency that details any remaining balance or deficiency after the auction sale. 
I have disputed this account on multiple occasions with the credit bureaus, yet the inaccurate information continues to appear on my credit report. This lack of proper documentation and notification constitutes a violation of my rights and is being inaccurately reported on my credit profile. 

I urgently request the CFPBs intervention to rectify this situation. I demand the immediate removal of this account from my credit reports due to the absence of proper documentation and the failure to follow legal requirements regarding repossession and debt collection. 

Your prompt assistance in addressing this issue and ensuring that my credit report is corrected is greatly appreciated. 

Thank you for your attention to this matter.
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 ) & XXXX XXXX ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX for 36 months with American Honda Finance. I made every monthly payment on time, never missed. When turning in the vehicle at the end of the lease I was unknowingly charged a vehicle lease return fee of {$240.00}. 
The vehicle lease return fee was never brought up to me while getting the vehicle with the agent at the dealership. The fee is mentioned in the very very small fine print on the lease agreement. It is barely readable. 
After returning the car we moved from XXXX FL to XXXX FL due to being affected by hurricane Irma. I did not receive any mail from Honda Finance regarding the charge, nor was I aware of any fee assessed. 
Couple of months later I notice my credit report has a charge off from American Honda Finance. They are still marking my account 30 days late. 
I called American Honda Finance to ask them to waive the lease return fee, due to the fact that we made every single monthly payment on time for the amount of the lease payments, and the fee was never brought up at the dealership, it was only mentioned in the very small fine print of the lease agreement. They declined. 
I am writing this dispute to ask that the {$240.00} lease return fee be waived, all late payment marks be removed, the charge off be removed, and the status updated to paid as agreed. 
The return fee is very unnecessary, and misleading which is why they practically have to hide it in the small fine print of the agreement. It has blemished my otherwise perfect credit report, and it is not an accurate indication of how I pay my bills. I am asking the bureau to assist us and monitor the resolution in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is acting in an unethical manner. Experian is being unfair. I sent in my ID for verification and two identity theft affidavits. I have sent an ID Theft letter and police report several times to Experian and they refuse to remove this debt that was involved in identity theft and are reporting a debt that was involved in identity theft. They are also reporting addresses I have never resided at and names. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were involved in ID Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I am reporting Equifax for a second time as I have a 7 year Fraud Alert as I have been a victim of identity theft. 

I reported Equifax prior to another incident as I was never notified or contacted as per the direction of the law and the point of having a 7 year Fraud Alert. 

This second ( Current ) Incident my credit was ran 4 times in the Month of XX/XX/2019 on these dates XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As a victim of identity theft there are steps in which that need to be followed. And yet again Equifax has not handled this per protocol. No contact was made to me regarding these inquiries. And it is beyond belief that I have to report them a 2nd time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from Medical Data Systems. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : XXXX. ) A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
XXXX. ) A copy of any contract or agreement that allegedly binds me to this debt with MDS. 
XXXX. ) An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns, as well as concerns of my medical information being reported to any reporting agency. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse. 

I appreciate your prompt attention to this matter and request confirmation of receipt of this complaint, as well as any updates regarding the investigation. Please do not hesitate to contact me should you require any additional information.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiry 15 U.S.C. 1681n Violation I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my credit report. The details are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX  XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX Date of inquiry : XX/XX/XXXX I did not authorize these inquiries, and as per the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), hard inquiries require explicit consent for permissible purposes. This unauthorized inquiry constitutes a violation of the FCRA.

Please remove these inquiries from my report immediately. Failure to remove this unauthorized inquiry may lead to further action under 15 U.S.C.1681n, which provides for civil liability in cases of willful noncompliance with the FCRA . 

I request a prompt investigation and removal of this inquiry. I would appreciate confirmation once the issue has been resolved. 

Thank you for your prompt attention. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$3300.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$7100.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX - Balance : {$37000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$26000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I had an auto loan through Huntington National Bank. At the maturity of my loan the Bank said that several of the payments they received were outside the grace period. After much discussion of the calculation of their claim I agreed to pay the {$170.00} in " late fees ''. The Bank then declared that I did not pay the {$170.00} timely and reported the matter to the Credit Bureau as a charge -off. While I take exception to the heavy handed method of reporting the late fees as a problem loan my complaint is that the Bank continually reports that {$32000.00} was written off. I have repeatedly tried to get the Bank to report accurately the disputed amount but they refused to do so. Please help me to get them to report this matter accurately.
Product: Vehicle loan or lease

gateway one lending repossed my car back in 2016 however i was never sent anything in the mail on how to get my car back nor did i ever receive a letter of it being sold and the balance that was owed now on my credit report it states sold charge off however they are still reporting it as a collection every month on my report
Product: Debt collection

XXXX XXXX XXXX  account # XXXX I am unaware of this debt. I didn't have an opportunity to dispute this debt. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name on it and signature validating that I received proper notification from you.