23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates has NOT to date sent me any and all monthly billing statements for my review. 
Portfolio has NOT to date sent me any and all information to review that proves that this debt is mine. 
Portfolio has reported inconsistent and incomplete information on my XXXX, XXXX  and XXXX  credit files regarding this account. 
Please tell me what services were provided on this account to bring the total to current amount. 
Please tell me when this account was opened and what is the date of the first missed payment. 
Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 
Please provide documentation that shows Portfolio is authorized to collect this debt. 
If this information can not be provided for my review, this account should not be reporting on my XXXX, XXXX  and XXXX   credit files. Failure to provide me this information is a violation of my rights. Please either provide the information that I have requested or immediately have this account deleted.
Product: Payday loan, title loan, or personal loan

I currently have a loan with Sofi at 11.731 % with a balance of roughly {$47000.00}. I was looking to lower my rate and monthly payment on other personal loans I hold and looked at Sofi to see if I was eligible for additional funds to solve for this and was pre approved ( not pre qualified ) for a 60 month {$50000.00} loan at 8.587 %. I uploaded all of the necessary documents XXXX pay stubs, copy of driver 's license ) and submitted to underwriting. 

To my surprise my application was denied due to " poor credit performance with Sofi ''. I have had three loans with Sofi and never missed a payment. I have never missed a payment on any loan and have a credit score of XXXX. When I called to question why I was not approved, I was basically told that the decision was based on a black box calculation and because the customer service representatives are not loan originators, they could not help me. They said that if I were to apply to refinance my loan instead that I might have a better chance. I started a refinance application and was given another pre approval with a rate of 11.60 % on a 60 month loan. 

My first issue is that I was pre approved for the loan and know that Sofi must have information regarding my credit history to give me that designation. My credit is clean and I have not taken on more debt since originating my last loan with Sofi. As a current loan holder and much of my information pre-populated, I was led to believe that Sofi already knew my credit history through a commonplace " soft pull ''. How is it that I could be denied for " poor credit performance with Sofi '' if I have never been late on a payment and am actually paying {$260.00} extra per month on my current loan. By misleading me that I was pre approved and allowing Sofi to run my credit, I have hurt my credit score and made it less likely that I will be approved by another lender. 

My second issue is the discrepancy between the rates I was given for the loan I was denied and the refinancing rate. It seems to me that they are gouging me based on my current rate. Presumably they would have no further information on my credit history for this refinance application than they had on the loan I was declined for. While I understand the right of the company to price different products differently, this seems unethical at the least Thank you for your assistance in this matter
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA XXXX. XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately.
Product: Payday loan

Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}
Product: Mortgage

Morgage payment late due date on XXXX.check made out XXXX.put in mailbox.was called by penny mac a few days later asking if payment was sent.told them date mailed ect.rep said it may have not arrived yet perhaps due to postal holiday on wednesday middle of week.told them that could be .XXXX on XXXX. Payment recieved 1 day past grace period .recieved on XXXX.due XXXX. Called company rep because i recieved a letter asking why i hadnt paid the XXXX late fee?? Called penny mac explaining holiday ect.they would not comprimise.i have included late fee with next payment but would like credit for fee. First time ever being late in 6 yrs mortgage paying.
Product: Debt collection

We began getting calls from a CBE group a couple of months ago. I ignored them and they did not leave any messages. I continued to receive calls and decided to use my cordless phone to block their number and also XXXXXXXX XXXX call blocking. They then decided to change to different numbers. 

I got tired of it and did research on the internet to the CBE Group ( XXXX XXXX XXXX  ) and called them. They asked my name, and i gave them my name and asked why they were calling me. They asked if I knew a XXXX XXXX ( Family we purchased our current property from in XXXX ). I told them my story of our home purchase and they asked if I had any contact or information for him. I told them I haven't had any conversation since the property transaction in XX/XX/XXXX. 
They said they would take me off their list. I am still getting calls even after contacting them again on XX/XX/XXXX complaining. I received one yesterday and again this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for   XXXX   ... there were  XXXX  accounts on my report for  XXXX  in which  XXXX  were deleted yet  XXXX  remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,   XXXX    XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....
Product: Credit card or prepaid card

I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid 5 days in advance. 

However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. 

On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

During one of the many unsolicited phone calls, I asked for proof.
Product: Checking or savings account

On XX/XX/2021 Bank of America closed my business account and is hold the money without any explanation. When I call they just say the back office is verifying the transactions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing .I am requesting immediate corrective action to remove or amend the disputed accounts, As Experian 's inaction violates federal law and my rights as a consumer. 
Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REMOVED A FRAUDULENT ACCOUNT I DISPUTED OFF MY CREDIT REPORT AND THEN THEY PLACED IT BACK ON MY CREDIT REPORT A MONTH AFTER.
Product: Credit reporting or other personal consumer reports

see transunion and XXXX  in XXXX XXXX XXXX. tired of transunion XXXX with my credit score. TU just made homeless playing with credit score for no reason. how in the XXXX you go from XXXX XXXX XXXX to a lousy XXXX credit score and you have done nothing like be XXXX enough to go get my XXXX back in deb after bankruptcy. WHAT STUPID PERSON DOES THAT? 
EXPERIAN AND TU BOTH can explain this to a Ohio, XXXX XXXX courts XXXX. 

I am going to fight like XXXX to get this mess they have caused me corrected. 

XXXX has their INFO right. I am coming for these two credit bureaus and yes I am going to file DISCRIMINATION YOU BETTER BELIEVE IT. 
I am also going to be adding the consumer protection to my law suits for allowing these 2 credit bureau to not follow US federal unfair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two incorrect addresses on my credit report showing as previous addresses. I called on XX/XX/21 to request that they be removed. Other incorrect information was removed but not these 2 addresses. This misinformation has allowed debts to be attached to my name that are not mine, therefore my credit score has been affected negatively which in turn affects my chances at future credit. Because I did not give permission to display any of my personal information, especially not incorrect information, this company is in violation of 15 US Code 1681 ( a ) ( 4 ) and has not protected my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Checking or savings account

I got an email on XX/XX/XXXX notifying me that my account was locked and I needed to call them. I tried to access my account from the Chase app and it told me that I could not access my account and gave me the phone number to call. I called the bank and was informed that my account has been marked for closer. When I asked why, I was told that when I signed up for my account, I signed a document saying the bank could close my account and they didnt have to tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance lender money for car sum of approximately {$21000.00} XX/XX/2012 with agreement of 72 month payment plan upon completion of 72 payment plan a sum of approximately {$12000.00} was still owed on vehicle therefore vehicle was forfeited to finance agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian doesn't answer 	he phone calls. 
I also tried to update my info, because some of it is INACCURATE & I can't do IT. 
Yet you tell us to fix our problems here, & it can't be done. 
You Also told me to look up info on the web, & I can't view the site you mention. 
I gave you ACCURATE info on XXXX  XXXX XXXX, but I can't fix it on this site!! 
VERY FRUSTATING!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent EXPERIAN a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX BY EMAIL which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX  XXXX and XXXX.
Product: Debt collection

I have never had accounts with the creditors and my information has been accessed illegally.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXX/XX/XXXX XXXX - XXXX - XX/XX/XXXX - {$790.00} XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$910.00} XX/XX/XXXXXXXX - XX/XX/XXXX XXXX {$00.00} XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - {$910.00}XX/XX/XXXXXXXX - XX/XX/XXXX - {$2400.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$790.00} Inquiry : XXXXXX/XX/XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax about   XXXX inquires  that I did not apply for listed on my credit report. These inquires are unauthorized! I have also reached out to the companies listed on my report with no results. All are from the year of  2015 . I have no tieds to any of these inquires. I now have a  XXXX  account but never in  2015 . The only  2015  inquiry I do have is  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was canceled. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law. I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. 

This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 6
Product: Credit reporting or other personal consumer reports

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below