23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
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 : XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX 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, credit repair services, or other personal consumer reports

I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. Capital One, XXXX Credit Card , XXXX XXXX. XXXX Car Finance has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
Product: Credit card or prepaid card

I opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative remark appeared on XXXX  and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows XXXX XXXX XXXX who never contacted me about this amount due. They have now sold the dept to National Credit who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to National credit solutions.
Product: Credit reporting or other personal consumer reports

Open checking my XXXX consumer report I noticed XXXX credit inquiries that I did not authorize, the inquiries are hurting my credit score and someone fraudulently tried to get credit in my name please delete immediately XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 received an email from LVNV saying they purchased a debt from XXXX XXXX for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to Experian & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX  has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Debt collection

LVNV Funding is fraudulently reporting a collection account for a credit card that has been negotiated and settled with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ayo Im just lettin you know I dont agree with the debt under the Fair Debt Collection Practices Act I dont need no extra proof or paperwork just makin sure you know I dispute it Only time to hit me up is through email XXXX XXXX XXXX XXXXXXXX to XXXX east coast time Dont bother callin leavin voicemails or sendin mail through XXXX XXXX XXXX or whatever Its just a hassle for me
Product: Mortgage

Complaint Against Select Portfolio Servicing , Inc. for Incorrect Tax Payment and Non-Refund of Overpaid Amount. 

I am writing to file a formal complaint against Select Portfolio Servicing, Inc. regarding an incorrect tax payment made from my loan escrow account and the subsequent failure to refund the overpaid amount, resulting in a significant increase in my monthly loan payments. 

On XX/XX/XXXX, Select Portfolio Servicing, Inc. erroneously disbursed {$45000.00} from my loan escrow account for a tax payment. This incorrect payment led to an increase in my monthly loan payment from {$11000.00} to {$22000.00}. Despite numerous attempts to resolve this issue through calls, emails, and mailed communications throughout the past year, the company has failed to refund the full amount to my escrow account. 

Furthermore, I received a Dispute Resolution Letter from Select Portfolio Servicing , Inc. on XX/XX/XXXX. The letter inaccurately stated that the tax disbursements were in accordance with information from the county website. However, there is no document supporting the payment of {$45000.00} made on XX/XX/XXXX. 

The letter also mentioned an adjustment of {$11000.00} has moved to this loan, but this adjustment was not reflected in the accompanying escrow disbursement history. 

Additionally, the Annual Escrow Account Disclosure Statement I received on XX/XX/XXXX, from Select Portfolio Servicing , Inc. shows an estimated disbursement of {$47000.00} for city tax, which is disproportionately high compared to taxes for my other XXXX properties. This suggests that Select Portfolio Servicing , Inc. has not acknowledged their error and may repeat the same mistake in future payments. 

This situation has caused me significant financial strain and distress. I request your urgent intervention to resolve this matter. I am seeking a full refund of the overpaid amount to my escrow account, an adjustment to my monthly payments to the correct amount, and a thorough investigation into the practices of Select Portfolio Servicing , Inc .
Product: Debt collection

On XX/XX/XXXX, Capital One threatened to sue XXXX XXXX, over an alleged credit card account. OnXX/XX/XXXX Debt Collector, XXXX, XXXX, XXXX  XXXX, filed a lawsuit as a courtesy to Capital One, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XX/XX/XXXXXXXX XXXX, responded to lawsuit, via facsimile, at XXXX  ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX  XXXX XXXX XXXX XXXX, because the validation notice is not a pleading. As of today,XX/XX/XXXX, neither Capital One, or XXXX, XXXX, XXXX  XXXX, have responded to the debt validation request within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX  - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

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

I have contacted XXXX numerous times explaining that the account that they are listing for XXXX XXXX XXXX and the inquires for Dept of ED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

Lender is calling my job repeatedly will not stop harassing ... threatens to come to my job or home ... .is rude and nasty ... when I hung up on him he calls back repeatedly at my job ... .he calls different extensions at my office ... .I work at a XXXX for a XXXX ... .it is crazy I am fearful of loosing my job Called Loanme.com XXXX other number is XXXX
Product: Credit card or prepaid card

I have requested a copy of the signed agreement from Discover Bank. I am being sued by Discover, and need this provided please. I have not received a reply that includes the requested document.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit 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 & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify.

Thank you
Product: Credit reporting or other personal consumer reports

I recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM XXXX, EQUIFAX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is reported twice on my credit report. They refuse to remove it. I only have one account. It is duplicated on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  I have had Identity theft that was in my hone by a boarder, this account with XXXX XXXX XXXX does not belong to me ( {$640.00} ) Open balance my name was cleared by the courts of my respective county through appropriate local police and federal investigation finger printing process. 

same thing with account with the followings XXXX XXXX XXXXXXXX case # : XXXX XXXX  Customer # : XXXX XXXX  of an amount of {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status and balances inaccurate for Credit Cards - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to contact RSVP to make extra payments on my loan. This would reduce the amount of interest. When I call ( XXXX ) XXXX the number provided on the website it ask you to press XXXX. When you do the call will disconnect. I have tried this over 100 times. I have also tried the number XXXX. This also prompts you and then disconnects. I have sent several emails and have received no replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over XXXX XXXX XXXX and has a payment status showing collection/charged off and I have challenged this account since XXXX without any resolution from this company for inaccurate reporting or deletion due to account also being over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau but to my surprise, I did not receive anything back as a response. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$240.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$140.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$90.00} Inquiries : XXXX  ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX  Incorrect Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrectly reported serious delinquency affecting my FICO score. Experian is 100 points lower than XXXX XXXX or XXXX  due to this incorrect information.
Product: Credit reporting or other personal consumer reports

On all the credit reporting sites Experian, XXXX, and XXXX have reported false and unlawful information about my personal life. We have been damaged by this and drives from our right. 18 USC 241, 242 requires a payment of {$250000.00} to be made to me upon the infringement of my rights.
Product: Vehicle loan or lease

On XX/XX/2015, I purchased a used XXXX XXXX  and financed the purchase via a loan from Credit Acceptance Corporation. Upon review on the loan terms, I noted that the interest rate charged by Credit Acceptance Corporation is above the usury rate for Texas, the state I purchased the vehicle in, originated the loan in, and in which I currently reside. 

I contacted Credit Acceptance Corporation about this issue ; however, they refuse to acknowledge the fraudulent loan or make any effort to resolve the situation. 

I believe Credit Acceptance Corporation and its agents have discriminated against me on the basis of race, country of origin / nationality, sexual orientation, age, and gender. Furthermore, I believe Credit Acceptance Corporation is structuring its loans in a way that constitutes unfair, deceptive, or abusive acts or practices, as the loans interest is above my state 's usury rate and is charged as an up-front fee, and therefore prepaying the loan does not result in a reduction of total interest charged. Also, Credit Acceptance Corporation violated the laws of the State of Texas by issuing this loan.