23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account showed up on my credit report. I am not familiar with the account and asked for a debt validation letter multiple times. One has not been provided. I ask that it be deleted off of my report.
Product: Vehicle loan or lease

On XXXX XXXX I mailed a certified letter to Navy Federal, concerning an auto loan. The loan # XXXX. The car was involved in an accident, and the car was a total loss. The insurance company paid {$13000.00}, Now Navy Federal is saying that the balance of {$4000.00} is due on the loan. I disagree, I read 15 USC 1605 ( a ) ( 5 ) Determination of finance charge. According to this law it states in the finance charge there a Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. I want want Navy Federal to use the insurance included in my finance charge as stated in the law. As of today I have not had a written response from Navy Federal. I requested all correspondence to be in writing. I requested no adverse action be taken against me while this matter is being disputed. On XXXX XXXX, Navy Federal transferred {$320.00} from my checking account to put on the auto loan. That was adverse action taking money from my account. I have a right to get the questions answered that i asked. I still have not heard from Navy Federal.
Product: Debt collection

I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

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

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

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

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

6. Provide the Certified Assessment Certificate. 

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

Credit one has filed my account as a 1099c. According to the IRS an unpaid charge off account is considered income, and income can not be reported to a credit file.
Product: Student loan

Fed loans has misplaced my employment certification form for one year of my loan repayment. Currently only 8 qualified payments. ( XXXX ). They have misplaced my XXXX form. Employment certification form was resubmitted XX/XX/XXXX along with this years form onXX/XX/XXXX. Please help with getting payments qualified for PSLF.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/2021 I submitted all of the proper fraud documentation to all 3 credit bureaus, only bureau that took the proper action was XXXX, XXXX and Transunion completely ignored my requests and documentation that was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't use pay pale and I never applied for anything so can you please delete this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to get my address updated. On 2 separate occasions a wrong address was added to my Equifax report causing me to not be able to access my credit file electronically via a credit monitoring system. I have faxed all supporting documentation via fax to XXXX as instructed by a representative that I spoke with on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm whether or not the information that I faxed in had been received. Then again called on XX/XX/XXXX and was told that my fax was indeed received and that a dispute would be put in to update my information. The confirmation I was given on XX/XX/XXXX shows a status of complete, but an incorrect address was updated once again. On my call on XX/XX/XXXX, I am now being told that the confirmation number I was provided was for an account by the name of XXXX XXXX which is incorrect as that was a dispute put in prior to my phone call on XX/XX/XXXX. I was told that Confirmation # XXXX was the dispute of my address which was done on XX/XX/XXXX and completed on XX/XX/XXXX. If that confirmation was indeed for XXXX XXXX then there is no way that account could have come back verified with 1 day.
Product: Money transfer, virtual currency, or money service

On XXXX, I went to the XXXX website : XXXX, it had a sign up button saying sign up for a free 2 week trial, which I clicked on. I went through the sign up process, and provided my payment method of choice : PayPal ( which used my PayPal Smart Connect credit line account as my payment method ). If I decided to continue the service after 2 weeks, they were going to charge me {$9.00} then. Instead, they ( XXXX ) immediately charged me {$9.00} via PayPal. I immediately started to try and contact them ( MoviePass ) via every way I could : XXXX XXXX & DM 's, XXXX DM 's, direct e-mail, and via their website : XXXX. No one from XXXX has responded to my request of a refund & cancellation. I just want my money refunded & the service cancelled. I never received anything from them. I did n't get a confirmation, reference, transaction ID #. Just an e-mail sent to my XXXX account e-mail : XXXXXXXXXXXX, the subject said : " Welcome to XXXX '' with a link to download their mobile apps from the XXXX XXXX XXXX & the XXXX XXXX XXXX. There was no confirmation, reference, transaction ID #. No one from XXXX will reply, they will not refund my money, they will not respond to any of my contact efforts. 
I started the dispute process through PayPal ( Dispute Case ID : XXXX ). My PayPal account e-mail address is : XXXXXXXXXXXX. The transaction details are : Transaction ID : XXXX, Merchant : XXXX XXXX XXXX, Payment : {$9.00} USD. Yesterday : XXXX, PayPal denied my claim, their reason : " Your claim was denied because you did not cancel the billing agreement before the transaction took place. '' Which does not make any sense to me at all. I signed up for a free trial through XXXX, I was charged by XXXX immediately {$9.00} instead via PayPal & PayPal Smart Connect credit line. I asked immediately for a refund, and a cancellation, but did n't get a response from XXXX, so I disputed the charges with PayPal. I do n't understand why they denied my dispute of my charges, and sided with XXXX. My complaint is against both XXXX & PayPal. Please help me. I am XXXX, and on a low fixed income. Thanks. 
P.S. I did file a complaint against XXXX with the FTC. Here is the reference number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint of record since the issue was resolved. 
*** I intended to to freeze my credit reports due to a notification of a potential identity theft threat. 

Both TransUnion and XXXX signed me up for a " credit monitoring '' service or membership with a monthly charge of approximately $ XXXX. each. 
Not only was I unaware that I had signed up for any service, I received no confirmation or receipt of said charges as one would with any online purchase. 
It was only when I saw the charges on my credit card bill did I realize something was amiss. 
I immediately jumped thru all the hoops to get the charges reversed, each took at least 2 hours just to track down who to call and what to do. 
Both companies refunded the charges without dispute. 
I filed a complaint with the State of Minnesota & they referred me to this website. 

As a side note, I had no difficulty with XXXX.
Product: Credit card

From the year of XXXX to XXXX I have been continuously getting charged by the company " XXXX ''. I have notified my bank Citibank to stop payment from the company XXXX. I had a contract with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XXXX XXXX I notified XXXX through a phone call that I will no longer be renewing my contract which will end XX/XX/XXXX. I was charged XX/XX/XXXX {$XXXX}. On XXXX XXXX I contacted XXXX for a refund and to stop further payments to my credit card and bank account. On XXXX XXXX XXXX I notified my bank Citibank to freeze my account and send me a new card and to dispute the matter. I received no refund. I am a business owner and got distracted from working 6 days, sometimes 7 days a week. I do not check my credit card statements often. 
About every XXXX to XXXX  months I come across more charges from " XXXX ". Again I notify Citibank through phone calls about these unauthorized charges and again I ask them why and what is going on? And again I have to explain the situation all over again. I have all my statements from XXXX showing the charges. I make my monthly payments. I freezed my account since XXXX 6 times. each time getting a new account number and credit card. with reassurance from Citibank that XXXX will no longer get access to my account and I will receive my refund. 
On XX/XX/XXXX They investigated XXXX charge from XXXX for {$XXXX} and found it to be my fault. They refunded it to me at first then reversed it back on XXXX XXXX. I received only XXXX refund. XXXX XXXX for the amount of {$XXXX}. 
I have made numerous phone calls with Citibank and keep getting the runaround. I have recordings of several phone conversations with supervisors reassuring me I will receive a refund, and this matter will get resolved. Which has not. 
Dates XXXX has charged me and received unauthorized payments from my bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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} Total of unauthorized charges : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  XXXX   XXXX
Product: Checking or savings account

My name is XXXX XXXX, On XX/XX/2019 my daughter XXXX XXXX account was compromised and fraudulent checks where deposited in XXXX XXXX, CA and then some one withdrew the money in XXXX XXXX, CA but XXXX XXXX was in XXXX, CA. A claim was filed with chase but chase denied the claim saying the theft was my daughters fault and then proceeded to take {$1800.00} dollars from 4 different accounts belonging to myself, XXXX XXXX, and XXXX XXXX to bring XXXX XXXX account to XXXX and left 3 accounts in a negative balance. These accounts then in turn where hit with numerous overdraft fees. We tried a second time to file a claim again do to my daughters card being stolen but again chase has denied the clam. These where clearly bogus checks and they even misspelled my daughters name on the withdraw slip but chase sill let the money be withdraws and wont return our funds. We have a police report filed and still chase is not helping us in this fraud matter. Chase has done nothing to assist and has ran us around for 2 months and does not return our call on the matter.

All account are under the Parent account XXXX XXXX and I have access to all account mentioned.
Product: Debt collection

Debt Collection account was opened XX/XX/2021. I have not been notified of this debt by Quality Asset Recovery LLC. I sent a letter to verify and validate this debt XX/XX/2021. It was received XX/XX/2021. There was no response. I then sent a follow up letter informing them that they have failed to validate this debt with me or notify me of this debt in writing of any sort within the allotted 30 days, sent XX/XX/XXXX and was received XX/XX/XXXX. ( ALL Mail Sent by me via Certified Mail ) ( No mail or letter sent from Quality Asset Recovery to me ) Quality Asset Recovery has not notified me once or contacted me once in regards to this debt, opened now 3 months ago, which is a violation of the Fair Debt Collection Practices Act. They also failed to validate this debt when prompted within the allotted 30 days, which is also a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with Chrysler Capital back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed Chrsyler Capital XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to Chrysler Capital they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
Chrysler Capital stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX. Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago
Product: Debt collection

Each Credit Bureaus was sent certified letters informing them of all FCRA BY-LAWS and ALL FAIR DEBT COLLECTION PRACTICE ACT VIOLATIONS, They have continually Shown Un willful non-compliance and consist of negligent of non-compliance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Method of Verification request Dear Experian, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 
I disputed the account listed under XXXX, ( Report number XXXX ) for the following reason : Inaccurate reporting, incorrect payment history and inaccurate account details. Your investigation of this dispute was marked as completed on XX/XX/year>. 
I am now requesting a detailed description of the procedure that was used during your investigation. Specifically : Who did Experian contact or interview regarding this account? 
How did Experian verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination? 
As required by the FCRA, please provide this information within ( 15 ) days of receiving this letter. Failure to comply with this request may result in a formal complaint being filed with the This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 
Thank you for your prompt attention to this matter. I look forward to receiving your detailed response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit XXXX   Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Credit reporting

Dear CFPB, this complaint is in response to Experian 's investigation and verification of an public record that appears only on XXXX XXXX Experian credit file that is being erroneously reported as verified by the furnisher, when the original creditor have removed their tradeline and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX ext XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against XXXX XXXX on XX/XX/2019. This was my 2nd filing of the same problem XXXX has alleged that I was late with a payment of {$52.00} for XX/XX/2019. I was not late with this payment and i have spoken with this company and they are refusing to corect their mistake. My bank paid them on XX/XX/2019. My payment is dueon the XXXX of each month. I won't tis corrected because it is having an affect on my score. Please hlp me.
Product: Credit reporting or other personal consumer reports

inquires on my credit report that i knew nothing about XXXX thd/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX XXXX.citibank na best buy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX XXXX cards cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....