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

In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from Experian, XXXX, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the Experian app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.
Product: Credit reporting or other personal consumer reports

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

I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Debt collection

On XX/XX/2023, I sent out two letters to Portfolio Recovery Associates LLC in regards to two collection notices that I have received from them about debts they want me to pay them for, claiming I owe. The letters I sent out was asking for validity that the debt is mine. I asked for the original contract with who I signed with, original creditor information, payment history of the account, proof of ownership of this debt, and proof that their company has a license to collect debts in the state of California. They sent me credit card statements from XXXX XXXX XXXX  and XXXX XXXX. No other information in regards to the letter I sent asking for validity of these debts being mine or if they are licensed to collect debts in my state. I don't know if this is a real company or not. I might be getting scammed by whoever this is claiming to a debt collector.
Product: Credit card or prepaid card

Complaint ID XXXX-XXXX US Bank stated they never received military orders. I sent them two weeks ago. See attached and want A RESPONSE DIRECTLY SENT TO ME AS WELL. MY MARRIAGE CERTIFICATE WAS ALSO SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , SC XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX , SC XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$270.00}
Product: Mortgage

RE : Credit Discrimination Complaint. 
RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. 
How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. 
Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. 
XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND *Over {$16000.00} in checking account. 
*Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? 
XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. 
I repeat ... .A ZERO balance due on a student loan thats in Forbearance..

*PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. 
*Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. 
XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. 
*PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? 
*The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.
Product: Credit reporting or other personal consumer reports

[ CITIGROUP INC. ] I recently demanded that your financial institution cease from furnishing my personal information to credit reporting agencies concerning [ CITICARDS CBNA XXXX ] Although you claimed i agreed electronically for your institution to disclose, Your disclosure is not clear and concise boldly where it is visual to me or stated to me verbally for me to decide before you furnished my non public personal information. It is your responsibility In accordance to 15 USC 6802 ( b ), to clearly inform me that my information will be published, your institution also did not give me an explanation of how I can exercise my non disclosure option. WHY DID YOU HIDE THIS OPTION FROM ME? THIS IS NEGLIGENCE OF YOUR OBLIGATION TO DISCLOSE MY OPTIONS TO ME. I DEMAND TO BE OPTED OUT from further disclosure of my non public personal information. I would like to exercise my rights under 15 USC 6801, and protect my non public personal information. Remove my information from the reporting agencies immediately. Thank you
Product: Mortgage

On XX/XX/20 I received a call from Mrs. XXXX the ( CRM ) I was told that I was being put on a forbearance and that the 3 months Payments not made would be put on the end of my loan that I would have to pay 3 months longer. Then a month later I received another call from BOA and I was told on XX/XX/20 by XXXX XXXX that I was given the wrong information on XX/XX/20 an hour long call with Mrs.XXXX and their supervisor. XXXX XXXX stated that I was 1 day to late for a forbearance and I was given the WRONG information from MrsXXXXXXXX and her supervisor XXXX XXXX. I ask XXXX to review the conversation from XX/XX/20 because they say the conversation are recorded. I just want them to honor the hour long call that I received on XX/XX/20 telling me that I was on a forbearance and didn't have to make any payments for 3mts by at the time my CRM Mrs. XXXX and her supervisor XXXX XXXX ...
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : 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 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 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 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 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 TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I hold a VISA card through our local bank, Eastern Bank ( where we have checking and savings accounts, a car loan, and business accounts ), furnished by Elan Financial Services. A payment was due on XX/XX/2020, and we missed that payment date, only after contacting Elan, via the number on the back of our card, a month earlier letting them know that COVID-19 had affected our ability to make the minimum monthly payment on-time. We were told that there would be enough time to make payments and that no late fees or credit reporting would happen if we were late. They then had the audacity to charge us a {$40.00} late fee on XX/XX/2020, the day the payment became due. Just 12 days later, on XX/XX/2020, I went online and made a large payment of {$680.00} ( way beyond the minimum due on XXXX ) to make up for the missed payment, once we were able to get a little money together and pull cash from our savings to make the payment in good faith that the late payment would be reported. I have recently learned, through my credit monitoring account with XXXX, that Elan reported the missed payment date and effectively dropped my credit score by 44 points. I disputed the reporting, but XXXX  was unable to overturn the reporting because Elan told them it was valid. I am beyond frustrated by Elan taking advantage of its customers and will be sending this complaint to Senator XXXX ( XXXXXXXX ), because I think she would love to hear about this story as well. This is one predatory company that should be investigated.
Product: Checking or savings account

Include dates, amounts, and actions that were taken by you or the company. 

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Product: Prepaid card

Bank of America claims department I was out of the state when all these transactions were made I'm traveling nurse and XXXX was stolen out of my account and when they said I made these transactions I asked him for the proof and they have not set sent me any proof at all they just submitted another claim for reconsideration they are hoping to drag this out because it's from unemployment
Product: Money transfer, virtual currency, or money service

Transaction ID : XXXX Date : XX/XX/2023 Amount : {$100.00} I reached out to Paypal multiple times saying that I didn't recognize the charge and I've never done business with that company. They keep saying stuff like " based on your purchase history, this charge is legitimate and we're closing the case '' and " there is no signs of fraud ''.. Pretty much telling me to suck it up and pay my negative balance, because now they are holding my financial information from my actual bank hostage and won't let me remove it from their system. I've been defrauded through their system before and I no longer feel safe having my financial information on their servers as I don't need malicious people wreaking further havoc on my actual bank account. 

They are refusing to remove my banking information which I have already stated to multiple members of their company that I have revoked their authorization and permissions to hold that information on their systems. 

I no longer wish to do business with Paypal, Paypal is a wan na be bank that offers absolutely no consumer protections against acts of fraud, they will just blatantly deny your claim and leave you owing them money, then hold your actual banking information hostage.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name XXXX XXXX XXXX Account NumberXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and checking and doing 3 transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. Thank you. XXXX, Account XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$67000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company appears on my XXXX credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my XXXX report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


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

I have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # XXXX XXXX/XXXX/XXXX
Product: Credit card

I have a closed credit card with Wells Fargo Bank, Made two payments unable to pay on line due to the amount. On line banking has not changed to show that the two payments were received XXXX. On line banking is showing we still owe and I am getting phone calls about the payments. Tried calling got no help.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Failure to Verify Late Payments Issue : Equifax has not conducted a proper investigation into the disputed late payments on my credit report.

Details : I initiated a dispute regarding certain late payments reported on my credit file, which I believe to be inaccurate. 
Equifax failed to provide adequate documentation or evidence to verify that these late payments are valid. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am entitled to receive a detailed explanation of the method of verification, which should include : The contact information of the entity responsible for verifying the late payment.

A comprehensive explanation of Equifaxs investigative process regarding my dispute. 
The specific documents or records used to substantiate the reported late payments. 
Despite my dispute, Equifax has not supplied the requested proof, and the disputed late payments continue to negatively affect my credit profile.