23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I submitted a dispute to XXXX XXXX  and Portfolio Recovery Associates ( PRA ) regarding two accounts : XXXX XXXX  secured account ending in XXXX Capital XXXX unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, XXXX XXXX failed to apply the deposit or refund it to me when the account was closed. Portfolio Recovery Associates ( PRA ) then purchased this account, but neither company has addressed the missing security deposit. 

For the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), I do not recall opening this account, and I requested validation of the debt. Despite this, PRA has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. 

Portfolio Recovery Associates continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. 

Actions Taken : On XX/XX/year>, I disputed these accounts with XXXX XXXX and Portfolio Recovery Associates, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. 
On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. 
Amounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX balance and a {$1000.00} security deposit that was not applied or refunded. 
XXXX XXXX XXXX XXXX : {$460.00} balance. 
Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I Sent all 3 credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. 

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

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

When Stewart Zlimen & Jungers first contacted me they didnt send anything about the debt, I told them I am XXXX XXXX live on 112 % XXXX and have been having major issues with my health. I supplyed them with info about my ssdi and told them I have nothing of value. I also asked that they stop contacting me all together and asked them to provide what should have been sent within 5 days of contacting me. Thats the only response I wanted as I have been having major health issues and am on 11 medications and have been sick for 26 years. 
I also have XXXX and then the wife and I are home on a saturday and there is a knock at the door we opened the door to find a server serving me with a lawsuit, or what appeared to be. 
Again no information on where this came from I wrote a response as best I could with the info I had. This was not what I asked of them I asked that they not contact me. After the answer I then got more stuff asking me toi call and discovery. ' Thats when I told him I needed to get ahold of legal aid. 
I did and they informed me that this was no lawsuit nothing filed in the court in my county and it stated atempt to collect a debt. So after I told him what was going on and asked to not be contacted serves me with a fake lawsuit like legal aid said he was only harassing 's me me which I didnt need The name of his firm is not him and the people stewart no lawyer license same with the other 2. I am not even sure who it is that is contacting me and harassing me and my wife. The server made entry into a secured building without even buzzing us. I am not sure how he forced his way into the building. Debt collectors by order of the Governor XXXX were not to be collecting or trying to collect debt at this time. And a no garnish is still in place. My funds are not able to be taken anyhow. This debt is from XXXX. 
A junk debt buyer.
Product: Credit card or prepaid card

Greetings, I have been fighting this company now for the past year on removing charges on my account and they closed the account due to fraudulent activities that I reported and I also spoke with the fraud department that also called me and confirmed that I dont owed them nothing. My credit limit was for XXXX dollars now they are telling me that I owed them XXXX dollars when my balance was XXXX, I was on a autopay with them taking XXXX dollars a month and I never used the card so my limit should of stayed the same at XXXX. These companies are basically abusing military families and veterans with shady practices.
Product: Credit reporting or other personal consumer reports

SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. TRANS UNION, XXXX AND XXXX HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I have been experiencing fraud activity across multiple channels of my account and notice I had two inquires added as I get alert when there is a change in my report. Please have the below inquires removed from our report immediately as they are not recognizable or valid. JMPC card services and XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of three accounts reflecting badly on my credit report today XX/XX/2020 when I went to refinance my car. I didn't know these accounts were on my credit report because they do not belong to me. I have no idea who could have stole my personal information to open these accounts without my permission but I have already filed a police report. I did not allow these companies to run my credit nor do I have any written/verbal contract or relationship with these companies at all. I did not benefit anything from these accounts and I did not contribute to any payments towards any of these accounts.
Product: Debt collection

I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a Fair Credit Reporting Agency violation against this credit bureau called Experian Credit Bureau. On XX/XX/XXXX I requested that they send me there method of verification as it pertains to a XXXX XXXX XXXX account that is been reported on my credit report. The only thing that Experian has done is just to send me a statement saying that the account was been reported accurately. This is false as Experian is saying that this account went into a charged off status in XX/XX/XXXX and this is totally false. There is also missing payment and account information as it pertains to the XXXX  XXXX XXXX account that is been reported on my credit bureau. There is no payment and account information listed on the credit report for the periods between XX/XX/XXXX and XX/XX/XXXX and this makes the account incomplete and inaccurate and the Fair Credit Reporting Act states that such accounts should be deleted from the credit report. Experian has failed to abide by the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I attempted to buy some cryptocurrency using PayPal and received a notification that " there was a problem with my account '' and that I needed to submit verification documentation XXXX bank statement, etc ). I did so immediately and was told three days later that I could no longer use PayPal and that my account was permanently limited due to a " potential risk. '' No explanation of the risk was given and as of this writing I have no idea why the account was limited or suspended even though I have used the service for many years. I currently have an approximately {$3500.00} balance in my crypto accounts and can not access it at all for another 180 days. They are holding my money and are not allowing me access to it for no defined reason.
Product: Payday loan, title loan, or personal loan

I submitted a consumer credit application with lending club bank and was denied. when they sent me the adverse action notice it stated they could not approve me based on things on my consumer report. I called the company and let them know they were violating my consumer rights pursuant to adverse action & Equal credit opportunity act by discriminating against my character and creditworthiness. I also made them aware that they didn't have the right to deny me credit because I'm the one who extended them credit with my credit card. pursuant to 15 USC 1602 Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. pursuant to 15 USC 1602 credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. i used my credit card ( SSN ) to incur a debt for personal use. also when I spoke with the supervisor on the phone he was admitting to discriminating, pursuant to 15 USC 1691e they are civil liable for failure to comply under the equal credit opportunity act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home XXXX COUNTY EMPLOYEE
Product: Credit reporting or other personal consumer reports

I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( XXXX ) to removed the bankruptcy off my credit report & they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago. I contacted XXXX XXXX  XXXX company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted Equifax 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Product: Debt collection

In XX/XX/XXXX, I initially reached out to Preffered Collection & Management regarding a {$100.00} medical collection that is not mine and was the result of identity theft. I sent them the official FTC report verifying that my Identity had been stolen and that the debt they were attempting to collect was not mine due to this theft of my Identity. They responded by saying that I needed to submit a police report that detailed the identity theft in order to have the debt removed. I work a very busy schedule with very long hours and was unable to immediately get to the the police department to get this report. This is why I was unable to provide the report when they initially requested it. I truly dont understand why this was necessary when an FTC report was submitted. However, on XX/XX/XXXX, I filed a complaint against Preferred Collection & Management. The complaint included the police report ( that they requested in XX/XX/XXXX ) and the FTC report. As a result, the removed the debt, but it then reappeared in my credit report without any type of prior notification, which is illegal according to the FCRA. I really dont understand why this erroneous debt, that obviously is not mine, is still appearing on my credit report. I have provided all the documentation that they requested and it is still there, even after deleting and illegally re-inserting. I just want this account removed once and for all. As the victim, i should not have to jump through all these hoops and go back and forth with the company to permanently removed an account that is not mine and that I have provided legal documentation to support. I know their previous feedback stated to contact them, but, honestly, i dont understand WHY I need to contact them when they have all the I do and documentation necessary. This is a headache and is causing me XXXX and really stressing me out.
Product: Credit card or prepaid card

To summarize, when talking with an account supervisor for Capital One, I was told that, " you need to spend more on your credit card '', despite having mentioned that spending more on my card would negatively affect me. This strikes me as an abusive practice under XXXX. 

To expound, on Tuesday XX/XX/2021 I called Capital One to discuss an issue I was having with a credit line increase. I had been automatically declined for a credit line increase due to not meeting credit utilization requirements. However, my current credit utilization with Capital One was sufficiently high to lower my credit score. Hence, given perfect repayment history over several years, a credit line increase seemed warranted. As such, I described this situation to an account supervisor. The account manager told me that to receive a credit line increase I would have to satisfy the condition for which I was declined. I clarify by asking if this meant I needed to spend more on my credit card to which I was told yes. This concerned me as I had already expressed that spending more would negatively affect me. I conveyed this to the account manager but was told again " you need to spend more on your credit card ''. 

UDAAP defines an abusive action one that " Takes unreasonable advantage of ... The reasonable reliance by the consumer on a covered person to act in the interests of the consumer. '' The aforementioned situation seems to be just that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meridian Financial Services is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this is my numerous attempt to dispute an error on my Credit File that pertains to accounts that do not belong to me. Despite my previous requests, an account belonging to my daughter continues to be erroneously reported on my XXXX XXXX. I am referring to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00}. As I have previously mentioned, this account has been incorrectly linked to my Credit File, and I have not authorized it. I am submitting this CFPB Complaint to bring to your attention that accounts belonging to my daughter has been erroneously reported on my Credit File. This is a serious error that needs to be rectified immediately. I am formally requesting that you take action under the provisions of the Fair Credit Reporting Act to remove this account from my Credit File without delay. Therefore, I am once again disputing this error and request that you remove this account from my Credit File immediately under the provisions of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Experian has failed repeatedly to follow FCRA compliance. On XXXX XXXX,2019  I mailed a dispute to experian through certified mail, notarized and return receipt and requested. 

This was a third request in which experian basically gave a XXXX you to me the consumer and to FCRA policy, for this to be a third request and Experian continues to do so means this is wilful. 


Please see letter experian cs The following information is what can be tracked via usps to prove such : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Please see letter experian XXXX In bold red at the bottom of the Letter, it states the following : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Please see letter experian cs instead of following what was requested under my rights of the FCRA Experian opened another dispute which gives them 30 days to XXXX me over again, instead of the 15 as requested and required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 


Attached is a copy of the letter sent dated XX/XX/XXXX and a screenshot of the dispute, that was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}