23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Approximately 2 years ago expenses became too much for my wife and I. We could no longer afford utilities, loans and mortgage. I was advised we could vacate the house by PNC, turning it back over to them. After moving out I asked about returning the keys at which time I was told by PNC that couldnt happen. 
I filled out a packet for help with the property and it was rejected because I didnt have all the proof they wanted causing the financial hardship. 
After this I would speak with them and would be advised I could do one thing only to be told that wasnt right. When that person corrected me with new instructions, I would complete them and find out that wasnt correct either.

I finally gave up. I was served foreclosure papers but that has been postponed due to COVID-19.

A few months ago I placed the property for sale with a realtor. There has been no offers made. I contacted PNC again and was advised I could submit for a deed in lieu of foreclosure. When I called a few weeks after that because I hadnt heard back, I was told that I couldnt do that because it was foreclosure already. 
My complaint is that PNC has seemingly been playing games. Every time I call them I am told the previous person gave me bad instruction. The house is not worth what is owed. I have not been advised of a sale date either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and MedRecovery. Med Recovery provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! Med Recovery hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue Med Recovery, XXXX XXXX, AND XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old charged-off account on my Experian and XXXX credit reports from XXXX that was reported in XXXX. In XX/XX/XXXX I decided to pay the balance of {$170.00} in full, which at the time seemed like the right thing to do. After over a month went by without the account having been updated on my Experian and XXXX  reports to reflect my payment, I filed a dispute with each agency. 

On the 29th day after I submitted the disputes I received notifications from each agency that they were completed. I reviewed the information on my XXXX report and it was inline with what I expected : the account showed that it was paid and there was no substantial change to my credit score. I then reviewed the information on my Experian report and couldn't believe what I was seeing. My score dropped XXXX points from XXXX to XXXX. The only thing that had changed on my report was the old charged-off account I disputed had been updated to show that I paid it. 

I do not think its right for your credit score to drop just because you did the right thing and paid off an old charged off account. I'm pretty sure most people would agree. After speaking with folks at Experian, it appears that XXXX updated my Experian report differently than what they updated on XXXX That difference cost me XXXX points on my score. I submitted another dispute but that one came back today without fixing the problem. Now, Experian 's website won't even allow me to submit another dispute to provide them with more information.
Product: Debt collection

I noticed on my credit report that I had an alleged debit to Credence Resource Mangment and I asked for documents to valid the debit XX/XX/XXXX and 30 days have now gone by and I have not received a response from the company so under the Fair Debit Collection Practices Act ( FDCPA ). The alleged debit is considered non valid and has to be removed. According to the Supreme Court decided Henson et al. XXXX XXXX XXXX XXXX XXXX, a case that sought an answer to whether a debt buyer must abide by the collection rules outlined in the FDCPA. The Court concluded that the owner of a debt isn't a debt collector under the Act. United States Court of Appeals for the Third Circuit held in Tepper v. Amos Financial, LLC, 898 F.3d 364 ( 3d Cir. 2018 ) that an entity whose principal purpose of business is the collection of any debts is a debt collector for purposes of the FDCPA.

So, this court said that if a business 's principal purpose is debt collection, it must comply with the requirements of the FDCPA, even if the entity owns the debts it collects. ( In XXXX, XXXX also convincingly argued its principal purpose was loan origination, which is different from debt buyers that primarily or exclusively buy and collect defaulted debts. ) In addition, the Consumer Financial Protection Bureau ( CFPB ) issued a final rule amending Regulation F ( 12 C.F.R. 1006 and following ), which implements the FDCPA. The official interpretation to 12 C.F.R. 1006.2 ( i ) of Regulation F says that a debt buyer is not considered a " debt collector '' for the purposes of the FDCPA if ( 1 ) it doesn't collect debts owed or due to another and ( 2 ) doesn't have a business with the principal purpose of collecting debts. Any further action by Credence Resource Mangment will result in a lawsuit. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2020, I completely paid off XXXX   XXXX XXXX credit card account through an online payment, called in confirmed with agent of XXXX XXXX XXXX that entire balance was paid off. XXXX  XXXX XXXX then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by XXXX  XXXX XXXX, I called and verified online that the entire bill was paid, XXXX  XXXX XXXX closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as XXXX XXXX XXXX confirmed account was paid. 

Sincerely, XXXX XXXX
Product: Debt collection

Someone took out a car loan years ago after i fought for the collection to be taken off my credit report and it disappeared for a few months then appeared again and messed up my chance of buildling my credit the company does not want to provide any type of information so i can get it fixed since it was fraud and stolen identity
Product: Credit reporting

This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Product: Checking or savings account

On XX/XX/. I received a phone call from what " appeared '' to be bank of America. I answered and was told it was the fraud department from bank of America and they're calling to inform me of fraudulent activity happening on my account. After providing me some information they walked me through some steps and then it said I sent {$2000.00}. I'm still unsure how this happened but it did and I did not intend to send my savings to anyone.I 've reached out to bank of America and they said its nothing they can do about it and that's not right. I was scammed by someone that could impersonate a company as big as bank of America and that should be impossible. I received the call from the exact number bank of America would call from. They should hold some accountability as well for that. I'm reaching out to you because I desperately need assistance in recovering my funds. That was everything I have. All I got. Please help. If you have any questions or need more information about this case please call me at XXXX or email XXXX. thank you
Product: Money transfer, virtual currency, or money service

Date of Incident XXXX XXXX XXXX XXXX Description of the Incident : Dear Consumer Finance, I am writing to report of Paypal an urgent issue that occurred on XXXX XXXX XXXX. I attempted to transfer {$100.00} from my XXXX account, which is linked and verified with my PayPal account, to my PayPal balance. However, I encountered a problem where the transaction was refused despite the bank account being appropriately verified when initially linked to PayPal.

Actions Taken : I confirmed that my XXXX account had sufficient funds for the transfer. 
I ensured that my XXXX account details were correctly linked and verified on PayPal.

I attempted the transfer multiple times, receiving a refusal each time.

I have not received any clear error message or reason for the refusal from PayPal.

I am reaching out to you for immediate assistance as this situation is causing significant inconvenience and I need the funds to be available in my PayPal account as soon as possible.

Please investigate this matter urgently and provide a resolution. Your prompt attention to this issue would be greatly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Im a little late on my car loan but I also get a 10 day grace period. They call me non stop on different numbers, every 5 minutes. It distracts me at work and while driving. If Im late one day, I get so many phone calls from different numbers from the car loan company. The name is XXXXc, thats the car loan company. They dont stop calling, they call about 50 or more times every single day, thats uncalled for.
Product: Student loan

I am a second generation college graduate and Ive been struggling with NAVIENT for years. I was strongly suggested for years to request a forbearance when I was jobless and struggling to pay rent while working a full time job and to try different plans, which in my ignorance raised my interest and kept resetting my PSLF plan and recalculating my IBR. In XXXX I hit the tipping point and cried and sought legal counsel after I had saved up enough money to make an offer to payoff my loans. I was told that XXXX XXXX VP Navient would review my request. I called back at the end of XXXX to learn that he denied my request because I hadnt defaulted or been behind in years. I was told by the representative on XX/XX/2019 that if my account had been delinquent and I wasnt able to pay then he would have accepted my offer. To make sure I was getting the same story ... two other representatives said that it is typically NAVIENTs practice. As a XXXX XXXX American woman, it breaks my heart and makes me want to speak up for others who may not have the education nor desire to ask for justice and help. My scenario was I can only go to college with a loan at XXXX  so Ill start applying, I cant pay back the loan right away so I have to take a forbearance, I can start paying the loan but i wont be debt free until 20 years so Ill work for a non profit and do good in the world while hopefully getting my federal and maybe private loans forgiven, I save up money to be debt free so I am not a burden on my husband and our two girls .... and then NAVIENT gives me hopeless options continue to pay on the loan for 10+ more years, pay off the entire loan or become delinquent-Ness up your credit score and then theyll accept my lower offer. It seems like an injustice and abuse of power. I continue to pay monthly, because its my duty.
Product: Debt collection

Received a text message stating Hello, XXXX, XXXX, XXXX XXXX needs a statement on behalf of you or your legal representative. Please Call XXXX using claim # XXXX,. Thank You XXXX  If you wish to no longer receive text messages, please reply STOP. Upon searching XXXX it appears to be a debt collection company called Capital Link Management. Verified phone number on website. They have also been calling me and leaving voicemails stating This message is in regards to a legally required notice we need to speak with you immediately to confirm location information please press one to speak with a representative. They are asking for my location and this concerns me. I have attached a photo of the text message which doesnt state they are a debt collector and the voicemail they continuously leave me when they call.
Product: Debt collection

I currently received notification of a creditor name XXXX XXXX on my credit. I dont have a clue of who & what this creditor is. I dont have no contract, etc with this company as the dispute reason contract cancel. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

Bankruptcy XXXX XXXXXXXXdismissed XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit card

My XXXX statement period ended XX/XX/2023, the balance was reported to the credit bureaus on XX/XX/2023, per the information on my credit report. This is the same for every month prior. I paid the full statement amount on the card, over {$6000.00}, on XX/XX/2023. I knew this would not be reported to the bureaus until the statement period ended, which was XX/XX/2023. The card was also converted from a Comenity MasterCard to a Bread Financial American Express on XX/XX/2023. Bread Financial says this has had no bearing on the delayed credit reporting. They also stated they sent the reports to the bureaus on XX/XX/2023 as they do every month. This is inaccurate. The credit bureaus have not received this report. My most recent credit reporting seems to be lost between Comenity and Bread in their recent acquisition or conversion. They are required by FCRA to report my account accurately and timely, which they are not. Their response was to wait 45 days and see if it posts. This is unacceptable.
Product: Debt collection

I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXXT with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$22000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$3700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$430.00}.