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

In accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. 9 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other than records of conviction and crimes which antedates the report by 7 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 delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.
Product: Credit card

I have had a TjMaxx Credit card for the past few years and its been paid off for months now and has not been used in a while. When shopping at tjmaxx I was asked if I would like to apply for their credit card and I mentioned I already have one just don't have it on me, since I haven't used it in a while. They then proceeded to tell me if you have not used your tjmaxx card in over 6 months then it is inactive, but we can reactive it for you. I mentioned it wont be a new card correct cause if its reopening a card and it will affect my credit I am not interested and she reassured me it would not be a new credit card nor would it affect my credit so I said sure lets reactive my old card then and gave her the information she asked to search my account ( ID, SSN etc ). Received a new card in the mail but didnt think anything of it just figured it was linked to the card I already had since it was just reactivating when I logged onto my XXXX XXXX. I noticed an inquiry of a new credit card and it affected my credit. That is when I was upset and called TJMaxx customer support regarding my card and they informed me I have TWO TjMaxx cards now opened. I asked for the policy regarding if its true after 6 month of not using the card it becomes inactive and they stated that is NOT true. So now im upset because I did not authorize and stated to the cashier I did not want a new card or it to affect my credit and they lied all to get me to open another card. It has affected my credit and im very stressed with the situation and thinking of I should get a lawyer for the fraud and misinformation they provided
Product: Credit card or prepaid card

I approaced Quicken Loans in XXXX for a mortgage refinance. They were offering a " Match or Beat Offer '' where if they can't match or beat the offer they were to send a {$250.00} gift card. I decided to pursue the refinance with a different company because of a better rate and then later approached Quicken Loans to obtain the gift card on XX/XX/XXXX. At that time they asked me to send all documentation which I did and they responded stating that the gift card should be issued to me and that I should expect in 4-6 weeks that takes us into early XXXX. I received the gift card sometime in XXXX. I did not try to use it until XX/XX/XXXX then again several times in this year. All my transactions were rejected. I called the customer service number on the back of the card but they could not find my card. Then I decided to call Quicken Loans and they asked me to check the expiration on the card. The expiration date was set to XX/XX/XXXX and this was a card that was issued in XX/XX/XXXX. They stated on the call and in emails that it is wierd for a gift card to expire in 3-4 months from the issue date and agreed to look into the matter. But all my attempts at resolving the dispute amicably ended in trash. In my latest email conversation they stated that they changed to an yearly expiration on their gift cards after XX/XX/XXXX. But even with this story, since I received my card in XXXX, it should have had the right expiration of 1 year instead of 3-4 months. Please help me resolve this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Portfolio Recovery Associates sued me for the balance owing ( {$7100.00} ) on a XXXX XXXX credit card. I represented myself in Idaho magistrate court where I denied owing them any money. 
Following a bench trial, judgment was entered in my favor. The court ruled I was not responsible for the debt and dismissed the case on the merits, with prejudice. 
Portfolio Recovery refuses to remove the debt entry from my credit report after disputing with the credit bureaus XXXX time XXXX, XXXX and XXXX. 
I want this debt removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make an ATM withdrawal for {$200.00} at the racetrack XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  However, I was told that I had insufficient funds in my account, but the money was still taking off of my card a total of {$200.00} along with the {$2.00} Payfare card with XXXX XXXX I immediately reached out to my card company XXXX XXXX/ Payfare And was told to wait XXXX to XXXX business days after the third business day XX/XX/2023, the money still did not come back on my card so we filed a dispute. I was only sent one email after about 2 weeks that said that we are hard at work and after that a week after I received another email that says that according to your XXXX we can not proceed with your case your case has now been closed. I went on to say that I appeal and wanted to see the proper statements to show that the money had been dispensed from the ATM and since then, I have been given the runarounds from the XXXX XXXX / Payfare company it has now been almost 2 months and the company tells me that there's nothing they could do because everything is invalid as far as time it's been past 10 days so there's nothing they could do. I got an email on the XXXX of XXXX from XXXXXXXX XXXX that said that they could not do anything and my case was closed. I followed up with XXXX XXXX XXXX today as of XX/XX/XXXX and was told that they have not had a ticket number or any dispute from Payfare about my case. So basically since the XXXX of XXXX I have provided all proper documents and done everything that the bank has told me to do and in return I don't think that they have done proper investigation to get my funds back. I spoke to a representative by the name of XXXX today at XXXX XXXX and he listened respectfully only just to tell me there's nothing that they could do and hurry up and hung the phone up and that was nothing else I could say after that. They told me the case was closed by XXXX the XXXX and when I spoke to XXXX XXXX XXXX  they said the ATM statements weren't available until the XXXX of XXXX. I was also told by XXXX XXXX that the network ( XXXX ) provided the information for them to decide their case and not the ATM statements
Product: Student loan

Had a total of XXXX XXXX XXXX in 1 year & 3 months I went on XXXX 2016. I'm still on temporary XXXX but had several XXXX since then I was on forbearance before pandemic because living on XXXX I struggle to pay bills. I'm sure SS will not put me on total & permanent XXXX I'm almost XXXX and XXXX  months. 
I can not XXXX with XXXX and use XXXX XXXX I personally think I should qualify to have my student loans excuse due to my ongoing XXXX which keeps me XXXX unless I have help going out.
Product: Debt collection

We signed a 5-year contract with XXXX in XXXX. XXXX sold their company to XXXX and the service got increasingly worse. We switched companies early in XXXX. We contacted XXXX to let them know. I asked for a refund for the remaining year. XXXX XXXX responded back to me via email that there would be a small balance due on the contract that they would disregard but could not give a refund. Months later I started getting emails and phone calls for the balance. I responded showing XXXX  email, but got no response. I contacted the XXXX They got no response. Then a collection agency started emailing me at an email address that all managers have access to showing my name ( even though Im just the office manager ) and the debt, and I gave them the same proof- XXXX email. They said they would get back to me after they spoke with their client. They never got back to me and they continue sending emails still asking for the balance due, which includes my name and balance to an email address used by all managers. I have repeatedly asked them to stop since the company said they would disregard the balance, but they continue. They are also threatening to contact credit bureaus. I am not the owner of the business! The business does not owe this debt and neither do I.
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that these accounts be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 

XXXX XXXX XXXX & XXXX XXXX
Product: Checking or savings account

I opened an account with XXXX XXXX XXXX  on XX/XX/XXXX. As a promotion for opening an account with them, they offered a bonus of {$300.00} if you made 10 debit card transactions within 90 days of opening, enrolled in e-statements, and opened a savings account. I've included a screenshot of my banking activity to show the opening and transactions. I was due to get paid by XX/XX/XXXX and never received a bonus. I sent a secure message to them and have not received a response yet.
Product: Credit card

XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXXXXXXXX/XX/XXXXPayPal CreditXXXX XXXX XXXX, XXXX XXXX : My " Account # XXXXPROBLEM : XXXX : " US Regulator orders PayPal to pay XXXX in refunds, fines '' AN OBSERVATION : This is precisely why The Consumer Financial Protection Bureau ( CFPB ) was so desperately needed in the first place. 

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
2. Repair Credit Rate with XXXX, et. al. 
3. Go forth and sin no more. 

SUMMARY : Now I get it -- an " account '' I never wanted, but suddenly found myself in a XXXX computer-driven billing system that seemingly could not be stopped -- or even clarified. 

The original charge of {$38.00} ( paid by check # XXXX of XX/XX/2015 ) along with a request to cancel -- unacknowledged -- should have ended this farce. No, not a farce, an out and out scam. Predatory plain and simple. 

Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 


XXXX XXXX XXXX XXXX : CFPB XXXX Consumer Protection Bureau XXXXState Consumer Protection Bureau XXXX - XXXX
Product: Debt collection

On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/Synchrony Bank, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, XXXX is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.
Product: Debt collection

Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on. The following date XXXX of XXXX  since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charge off account should NOT include an active payment history. This in accurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and youre neglect has violated my rights. I am demanding of the following account number XXXX with road runner financial to be remove from my my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I purchased a house in XXXX of 2014 and started getting phone calls from Portfolio Recovery for debt collection. I doubt seriously I would have been able to purchase any real estate had I the debt they are accusing me of on my credit report, which is completely absent, and my vehicles are paid off. As Portfolio Recovery calls on a regular basis at all hours, from assorted numbers all over the country, I have been forced to block all numbers that are not local. This harassment creates a problem when dealing with my own family emergencies. As I have nothing for them to be looking in to my credit report, my privacy is being breeched on a regular basis. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am writing with respect to the recent Equifax hack. I am a victim of this hack but I do n't feel like I am receiving the help I need. Equifax has offered my only one year of credit monitoring but I need lifetime free real-time monitoring of my credit reports. 

This hacked data is never going to be removed from the internet so why should Equifax be able to get away with offering only one year of free credit monitoring. This awful situation is due to their negligence and they should at a minimum be required to offer me free lifetime real time monitoring of my credit reports. 

I hope there is something that can be done to compel Equifax to step up their game and get serious about helping the people they 've hurt with their negligence. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXX. Account XXXX XXXX  XXXX Account number : XXXX XXXX. Acount XXXX XXXX  XXXX  Account XXXX : XXXX This accounts is written as a charge off on my credit report and I never received any of the XXXX cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report which showed data ( INACCURATE, MISLEADING, or IMPERMISSIBLE INFORMATION ), that I did not authorize nor was I given such information, providing me with '' the option to or directing me ( the consumer ) to exercise the nondisclosure option of data to a XXXX party ( in contravention to Sec. XXXX ( b ) ( XXXX ) ( B ) ( C ) of Title XXXX XXXX ) ''. As a result of the violation of Sec. XXXX to the consumer, the XXXX XXXX XXXX XXXX XXXX XXXX has been violating federal law ( XXXX ( a ), ( b ) and providing this agency with MISLEADING, INACCURATE and UNAUTHORIZED data, ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) to this agency to publish in contravention to the Consumer Credit Protection Act. and the XXXX XXXX. 
I requested for XXXX to adhere to the mandate of law and remove the following ( IMPERMISSIBLE, MISLEADING, INACCURATE ) data from my credit file, immediately because I did not authorize nor inform any Bank, on any documentation, that I was not given the option to decline to allow my information to a XXXX party, and conveying my authorization to publish my data to a XXXX party. Thus, the INFORMATION in the database of the reporting agencies is MISLEADING, UNAUTHORIZED, IMPERMISSIBLE and INACCURATE until verified and I requested that the information be completely removed until it is verified as authorized and permissible. 
Furthermore, I gave a NOTICE/CAVEAT to the reporting agencies indicating : " Any future violations of this notice will result in a CLAIM being filed against you with the CFBP. I will utilize my right to log and record any communications you send, in violation of this notice, including electronically recording any future telephone call from you.

I also gave the reporting agencies a CAVEAT indicating : You are hereby served Legal Notice. 
By this notice : you are hereby barred from raising ignorance from the content put forth in this notice as an affirmative defense in any subsequent legal decisions. 

No reply was ever sent to me from XXXX XXXX XXXX XXXX.