23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX refunds were processed by XXXX XXXX to my debit card from Wells Fargo that ends in XXXX, I have attached the proof, the funds were NOT returned to XXXX and they have informed me Wells Fargo has the money. 
I contacted XXXX and XXXX verified the debit card ending in XXXX comes back to my name through Wells Fargo/issued by Wells Fargo XXXX 
I need a XXXX or supervisor to look into my complaint because I have submitted multiple complaints and none of the XXXX office representatives have helped me at all, I am also requesting ( again ) ALL DOCUMENTATION USED IN THE INVESTIGATION TO FIND THE FUNDS AND PROOF THE TRACE NUMBER DOES NOT SHOW THE FUNDS GOING TO WELLS FARGO. 

I have requested the documentation and proof numerous times and nobody has ever provided me anything, this has been an extremely negligent handling of my complaint and search for the money.
Product: Credit reporting 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 : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of consumer protection laws that have severely impacted my financial well-being and emotional state. I kindly request your intervention in this matter and urge you to enforce the legal rights and protections that I, as a consumer, am entitled to under federal law. 

The violations I wish to address pertain to several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I believe that the following accounts and actions have significantly harmed my credit history, my ability to access financial opportunities, and my overall peace of mind : Inaccurate Reporting ( XXXX Account - Account Number : XXXX ) : Your reporting has falsely indicated late payments on this account, despite my unwavering record of timely payments. This misinformation has led to a tarnished credit profile, negatively affecting my ability to secure favorable lending terms and causing me considerable stress and XXXX. This is a direct violation of FCRA Section 623. 

Unauthorized Credit Inquiries : The following unauthorized inquiries have been made on my credit report without my consent XXXX XXXX ( Date : XX/XX/XXXX ) XXXX  ( XXXX : XX/XX/XXXX ) XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) These unauthorized inquiries have disrupted my financial stability and violated my right to control access to my personal credit information, as guaranteed by FCRA Section 604. 
The impact of these violations has not only been financial ; it has deeply affected my personal life. I want to share a personal story of how these inaccuracies and unauthorized inquiries have left a lasting emotional toll : Given the significant impact these violations have had on my life, I implore you to take swift and decisive action. I respectfully request that you enforce my legal rights under the FCRA and FACTA and compel the creditors involved to take the following actions : Remove Unverified Accounts : I demand that the following accounts be thoroughly verified and substantiated, and if unable to do so, they must be promptly removed from my credit report : XXXXL ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) I sincerely appreciate your attention to this matter and trust in your commitment to upholding consumer rights. I kindly request your prompt intervention to rectify these violations and restore the integrity of my credit report. Your assistance is crucial in helping me rebuild my financial stability and regain the peace of mind that I deserve. 

Thank you for your time and consideration. I eagerly await your response and resolution. 

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

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # 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 an account without my written instructions
Product: Debt collection

A concerning collection entry has appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. As someone who diligently monitors their credit history, the sudden appearance of this unverified debt is particularly troubling, especially given that the Fair Debt Collection Practices Act mandates proper debt validation procedures. This situation requires immediate attention to prevent any unwarranted damage to my credit standing.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Account appeared on my account. I have no knowledge of this account. I have been a victim of identity theft. This account is FRAUD! I called in on XX/XX/XXXX and was informed that my social security number did not match any information in their system but it appeared on my credit report. 

XX/XX/XXXX I just spoke with someone and he was helpful. He is disputing the account and stated it should be reported back to the credit bureau within 7-14 days to be removed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XX/XX/XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.
Product: Credit card

I am a holder of the Chase Mastercard ( XXXXXXXX XXXX  card ). " XXXX '', the partner of the Mastercard, advertized this deal below : XXXX XXXX XXXX XXXX XXXX  returns, from XX/XX/XXXX XX/XX/XXXX, with incredible prix-fixe menus across the five boroughs and exclusive savings for Mastercard cardholders . 

Register your Mastercard now to automatically earn statement credits on qualifying meal purchases and NJ TRANSIT rides throughout the festival. 

Earn a {$10.00} statement credit each time you spend {$45.00} or more on meals at participating restaurants across the City up to {$30.00} STATEMENT CREDITS ON NJ TRANSIT Receive a {$10.00} statement credit when you spend {$20.00} or more on NJ TRANSIT using the same registered Mastercard up to {$30.00}. 

I have an issue with getting rightfully earned credits for the NJ Transit purchases. 
I have made 3 purchases of {$26.00} each in the first half of XX/XX/XXXX. Two purchases on my card show the train station XXXX and the third purchase shows XXXX train station. I have recieved only one credit of {$10.00}, and still missing two other {$10.00} credits for other two purchases. I have been calling their partner " XXXX '' at XXXX XXXX XXXX XXXX numerous times since late XXXX, and even the case number was opened which is XXXX. Everytime I call they are escalating the issue or promise that I will get a payment within 48 hours. I still did not get the payments after 40 days since I started calling them. I have called the Mastercard on XX/XX/XXXX, and again it was the same thing : " We will escalate the issue, and you will get something in 48 hours '' The last representative as well as the previous representatives from " XXXX '' promised to call me back to inform me about what is happening, but of couse they never call back. Please help me to get my {$20.00} ( $ XXXX {$10.00} ) credits. Thank you.
Product: Vehicle loan or lease

A certified notarized contract rescission/affidavit of truth letter was sent to the dealership XXXX XXXX XXXX XXXX XXXX XXXX CT for contractual fraud in XXXX of XXXX alleging that the contract did not reflect the {$1000.00} down payment as the one I signed did. I received a signed return receipt, and there was no response to the notice by the dealership within the 45 day time period, or nothing to disprove my claim that my consumer rights and consumer laws were violated by them and that the vehicle belongs to me according to the law. GMCs financing legal team was also notified via phone, fax, and certified mail of the contractual problem and was informed that a 1099c debt cancellation was done in XX/XX/XXXX because fraud and deceptive business practices. I also faxed GMC financial a copy of the 1099C and the fraudulent contract. Then on XX/XX/XXXX GMC proceeded to repossess the vehicle and with no payments owed to them refusing to return the vehicle and have plans to auction my truck without my permission and against my will. GMC is still currently billing me for the truck as well when they know it was a consumer credit transaction and have no legal right to possess my vehicle. Also in XX/XX/XXXX a certified notarized letter was sent to GMC financial fraud and legal team once again I received the return receipt but GMC has not yet responded. I called and they said my truck went to auction again the contract had been deemed null and void because of contractual fraud. I am without a vehicle and is currently renting one to get back in forth to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company has not provided documents stating account was open XX/XX/2019 2019
Product: Credit card or prepaid card

Yesterday I received a bill in the mail from my XXXX gas credit card company, which I have had for many years. This is the second bill I have received with an envelope marked " '' XXXX* XXXX '' as the return address, printed in black. The postage is prepaid. The envelope does not look like a bill. It looks like junk mail. I almost threw it out last month and I almost threw it out again. I opened it and searched and searched the fine print for information about WHO this bill was from. Finally, on the bottom of the bill, in very fine print, I saw the information " Make Payment to : XXXX  XXXX CO ''. I think the company is intentionally making the bill look like anything BUT a bill, in hopes the receiver will throw it away, not make their payment, and then be charged a late fee or penalty for non-payment. I think it is deceptive, BY DESIGN. I called them and complained to a customer service agent. I was very angry. The bills did not used to look this way. When I got to the 2nd page of the bill, there was a clear red " XXXX '' picture of a credit card. By then I had spent annoying minutes looking for this information that should be clearly marked both ON THE ENVELOPE and on the face page of the bill. This will be my last bill from XXXX. I am writing the company, and cancelling my card! As far as I 'm concerned, they are setting themselves up for a class action law suit - I am curious how many people are throwing this bill in the trash. I do n't know what the " XXXX '' aspect is of the bill, but it is new - I think some rewards program. This is either a shameful practice, or very BAD marketing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with old addresses and information not current or accurate on my credit report.

My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services.

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

XXXX is continuing to report unverified trade lines on my credit file, I've attempted 3 times to get them to send proof they have authorizition to collect these debts
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint against Portfolio Recovery Associates , LLC for its continued unlawful attempts to collect a debt that is : Past the statute of limitations for collection under Louisiana state law. 

Charged off prematurely, which is illegal under federal and state consumer protection laws. 

Misreported as past due instead of accurately reflecting a charged-off status. 

Being collected by a company that is only licensed in XXXX, VA and not licensed to collect debts in Louisiana, where I legally reside. 

Additionally, my last email to your dispute department was ignored. Portfolio Recovery Associates continues to submit the same irrelevant informationwhich ironically proves my claim of the inaccurate reporting of this account. I have repeatedly disputed this account, providing clear documentation demonstrating the account 's ineligibility for collection or reporting. Yet, you persist in these unlawful collection activities. 

Furthermore, since 2022, Portfolio Recovery Associates has engaged in persistent harassment by continuously attempting to collect on this debt despite knowing that they are not licensed to do so in the state of Louisiana. This prolonged, aggressive, and unlawful collection activity has caused significant distress and constitutes harassment under federal law. 

Legal Violations 1. FDCPA Violations ( Fair Debt Collection Practices Act ) 1692g ( b ) Failure to Provide Proper Validation : You have failed to provide legally required validation after multiple disputes.

1692e ( 2 ) Misrepresentation of Debt Status : Reporting a charged-off account as past due is false and misleading.

1692e ( 5 ) Threatening Legal Action Without Authority : You lack licensing in Louisiana, and thus can not lawfully collect this debt.

1692f Unfair Practices : Continuing to collect on a time-barred, invalid debt.

1692d Harassment or Abuse : Engaging in harassment since 2022 by persistently contacting me about a debt you can not legally collect.

2. FCRA Violations ( Fair Credit Reporting Act ) 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : The account remains reported incorrectly despite multiple disputes.

1681c ( a ) Reporting Obsolete Information : The reporting exceeds the legal time limit for charged-off debts.

3. Louisiana State Law Violations La. R.S. 9:3562 Licensing Requirement : Debt collectors must be licensed by the Louisiana XXXX XXXX XXXX XXXX ( XXXX ). 

Portfolio Recovery Associates is not licensed in Louisiana. 

La. R.S. 51:1401 Unfair Trade Practices : Misrepresenting a charged-off debt as past due constitutes deceptive business practices.
Product: Debt collection

Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days.