23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, I settled my payday loan debt with the XXXX XXXX via XXXX XXXX XXXX. 

Prior to XXXX XXXX receiving my account, National Credit Adjusters was responsible for settling the debt with me. Instead, they passed my account on to XXXX. 

Upon settling the debt with XXXX XXXX, they provided me the attached documentation to verify my settlement and {$0.00} balance account with them. 

On XX/XX/19, I emailed National Credit Adjusters ( NCA ) the same attached documentation and requested a paid in full/XXXX balance letter from them. They informed me that they needed documentation as well as the payment from XXXX validating my account had been paid in full. 

Since XX/XX/19, I have called NCA 's Compliance Department at XXXX at least 3x a day requesting this same letter. They are not responding back with proof of the account and I simply want a zero balance letter or it to be deleted from my credit report. 

On today, XX/XX/19, I have called their Compliance Department at XXXX still with no response.
Product: Debt collection

On XX/XX/XXXX I received a letter from Portfolio Recovery Associates , LLC as to an alleged debt. I do not own this debt nor portfolio Recovery Associates anything or have any business with. Attached are other instances of issues Ive had with Portfolio Recovery Associates or related companies of Portfolio, in the past and had filed complaints as seen in these attachments with related complaint # cases. 

I will be sending correspondence, via US mail as to cease and desist any further communication, which includes email, us mail, electronic or phone and XXXX  contact to me as to this alleged debt and its collection efforts along with additional certain documentation requested. 

Due to going identity reports filed, several branches of data with different companies Ive had associated with, these issues are ongoing as my credit and personal information thats well documented have been ongoing. All alleged collection communications sent to me are being vented. As a retired law enforcement official, both state and federal, my identity and data intrusion issues have been ongoing since XXXX to present. Most recently, XXXX XXXX breach and in XX/XX/XXXX, but I was just recently informed in XX/XX/XXXX, I was informed by our Department of Justice that my identity and sensitive data information was compromised in a database breach by a company : XXXX, XXXX XXXX XXXX who are used by the DOJ for investigation and litigation purposes. My personal law enforcement records and more sensitive information was obtained by bad actors. I have active military alerts on all three credit reporting agencies, have opted out of advising and solicitation marketing on all three credit reporting agencys as well. I have red flag security on soft inquiry pulls on my personal credit as well. As to this, XXXX represented by counsel and XXXX other law firms who are working together. My personal safety as well as my family are paramount to my identity and any attempts of intrusion, including claims of debt or collection allegations are taken seriously XXXX filing this complaint against this collection/Junk fee buyer to stop any illegal reporting to my credit report that would cause me to file a more formal complaint, possibly seeking a court hearing or arbitration resolution. All associated court costs and legal fees would be requested as deemed appreciate by the court in any filing, outside of arbitration, Any discovery record if any, would be subpoenaed through the XXXX Co XXXX XXXX XXXX NJ. 

I will send out the appropriate documents/ paperwork of demanding this company, Portfolio Recovery Associates , LLC to immediately cease and desist all communication efforts with me, my family or relatives as to this alleged debt. Any filing of collections on my credit report as related to this alleged debt by this company will result in an immediate complaint with the FCRA and the Federal Trade commission for further action.
Product: Credit card

On or about the XX/XX/XXXX I paid off a retail account I had with Wells Fargo Bank, the bank in return closed the account which they should have. Several days later there was a new retail account opened in my name by wells Fargo Bank for XXXX dollars without my knowledge or consent. I contacted wells Fargo and spoke to a representative from their retail department who told me that the personal information I provided did n't match what they had for my date of birth and she updated it. I asked her who opened the account and she said it was so I could shop with their approved merchants and could only be used with them that it was not a regular credit card. I told her to closee the account and she said come on do n't you want to keep it and I told her it was a fraudulent account done without my consent aND she read off some prepared statement about how closing the account would impact on my credit which it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Product: Credit card or prepaid card

Received an email congratulating me on the approval of a XXXX XXXX XXXX - Phoned the company and found out that someone has my personal information and used a phone number ( XXXX ) XXXX to apply for the card. The phone number is disconnected. 
I have reported this to all 3 credit bureaus and placed a security alert on my own credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference number,XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with XXXX, equifax and XXXX, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX and XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX . Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXX.this is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Product: Debt collection

I took out a personal loan from One Main Financial back in XXXX. I was making monthly payments up to XX/XX/XXXX, when I decided to file a chapter XXXX bankruptcy due to hardship, and that the balance of the loan was part of the chapter XXXX. 
Following the discharging of the chapter XXXX, I was monitoring and realizing that One Main Financial has not closed and removed its information, the loan was still open. So, I called to advise One Main Financial that the loan was part of the chapter XXXX bankruptcy discharge, the answer I was given " That's the way our information it is going to remain in your credit reports. ''
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Transworld systems Inc, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 conviction of crimes which in antedates the report by more than 7 years.

15 U.S.C 1681s2 ( A ) ( 5 ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

As you can see by law they have violated multiple rights.
Product: Debt collection

I received this debt collection of XXXX letter for a service I didn't received from XXXX XXXX XXXX company on my rental. I cancel my agreement with this company. When I look at her reviews XXXX XXXX reviews it says I owe them XXXX when I place my comments on there website to inform people of this unfairly business that's doing people wrong I will attach everything. I was soo upset that this debt collector has contacted me about a debt I dont owe, and threatened to ruin my credit. I have not received any notification from XXXX XXXX XXXX about what I owe. Just seen her response on the reviews in over a year ago. Now they and this debt collector tries to reuin my credit it's not fair. I call this debt collection they told me to call XXXX. I did but it did not get settled they are just so wrong for doing this especially without me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my request for verification and getting this false late payment account updated, and in accordance with its standard procedures, Experian did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXXXXXX XXXX XXXX  billing error on my credit report. it is alleged that Experian might have forward some notice of the dispute to XXXXXXXX XXXX  and XXXXXXXX XXXX failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX XXXX have thousands of negative reviews on XXXX, XXXX XXXX and the CFPB website for problems with their credit reporting of false late payments. I asked that experian conduct a complete and thorough investigation into this matter. As i know Experian disburses consumer reports to third parties under contract for monetary compensation which is XXXX reason they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Product: Debt collection

On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and i would like items listed on my report reinvestigated and removed from my credit report
Product: Debt collection

I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.
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. 

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 or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports. 

Per my divorce decree, the timeshares listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property of ( my ex husband ). ( ex wife, Me ) will be held harmless of any matters regarding these properties. " * Despite multiple disputes submitted to XXXX and Experian, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. 

XXXXXXXX XXXX XXXX XXXXXXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree. 
2. A copy of my ID.

3. Proof of address.

4. A copy of the disputed account reporting to XXXX and Experian. 

I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree. 

Thank you for your attention to this matter. 

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

Experian, has been allowing an unknown 3rd party to edit the data on my credit membership account. Someone has added an unknown Pin to my account changed my profile address on multiple occasions and now for over 45 days I have been unable to access my PAID Experian Membership account online even with the correct login and password and several attempts to access the account by paying the {$19.00} that they say that I owe them. It never takes the payment from any debit or credit card that I try to use. 

My credit score has dropped over 35 or more points during this time that u have been unable to access the account or my credit report. They are reporting addresses and accounts that have not been validated or verified and I DON'T HAVE ACCESS TO ANY OF IT. 

I called today to their customer service office and spoke with XXXX agents, XXXX # XXXX - He said he reset the account and cancelled the membership and it shoukd be accessible by me within XXXX mins. I still am unable to login to my account and am stuck behind this fake paywall. 

XXXX # XXXX - He was asked to file a dispute on an unknown file that keeps being added to my account, and then after asking me for my current address, UPDATED my address without my knowledge which then left me unable to Verify questions or an unknown Pink number that he claims has been on my files since I made the account. I have never placed a pin number on this Experian account. So now I am essentially completely locked out of my Experian credit file for 3 days he says until the system can generate new security questions. What in the entire **** is going on here?? 

Agent # XXXX - A COMPLETELY unhelpful " Supervisor ' with a terrible attitude and no information to give me on A. Why can't I LOG INTO THE ACCOUNT ONLINE ON MY SIDE B. Where did the account pin come from? 
C. WHEN WILL I BE ABLE TO LOG IN TO MY ONLINE ACCOUNT AGAIN?

D. WHY does a PAID Member NOT have " Security Questions '' all of a sudden? 

She proceeded to hang up on me because I repeatedly asked her these same three questions. This is absolute unfair and I am at my wits ends with Experian and XXXX  and their fraudulent reporting behaviors and data privacy hacks and leaks. 

This is like my XXXX complaint. Meanwhile, I STILL can not access my Experian Credit information XXXX + days later.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Someone by the name of XXXX XXXX contacted my job on XX/XX/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office.
Product: Mortgage

I am writing to request your immediate assistance due to an urgent matter regarding my mortgage account with Flagstar Bank. My home is scheduled for foreclosure on Tuesday, XX/XX/year>. This situation has caused me great distress, and I am diligently seeking to rectify the issue in accordance with the obligations outlined in the Real Estate Settlement Procedures Act ( RESPA ) and the inherent rights bestowed upon me as a homeowner. 

Despite my attempt to resolve this matter with Flagstar Bank, the necessary steps to cancel the foreclosure have not been taken. Also, Flagstar Bank is proceeding with the foreclosure despite my approved assistance from the Michigan Homeowners Assistance Fund, which includes a payment of XXXX 

On XX/XX/year>, I submitted a Notice of Error Resolution to Flagstar Bank, highlighting discrepancies in my mortgage account. I have also applied for a Covid modification to alleviate the situation, but these efforts have not halted the foreclosure process. 

I have the utmost faith in Flagstar Bank 's commitment to their customers and trust in their willingness to rectify any oversight. However, without urgent intervention, I fear my rights as a homeowner and my attempts to rectify the situation may be overlooked.

Therefore, I kindly request the Consumer Financial Protection Bureau 's immediate intervention. I firmly believe that the impending foreclosure may result in unjust enrichment and is in violation of RESPA. I seek your immediate assistance in preventing the foreclosure of my home.

Thank you in advance for your prompt attention to this matter. I am eager to hear from you soon and am hopeful for a favorable resolution of saving my home.
Product: Credit reporting or other personal consumer reports

Could you erase these inquiries? I'm unaware of them, and the company proceeded without my approval.