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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Attention Error Team at XXXX, I am sending this to you today because I have pulled my most recent credit report and I am extremely concerned. I have done research at my end and, as you and myself are both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to investigate and correct any errors, and I would appreciate your assistance to solve these problems. 

It is very troubling as these items are reporting as incorrect and inaccurate information. I demand that you conduct a thorough investigation for each and every mistake listed, and a complete report must be provided to me after you have completed the investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

- XXXX XXXX XXXXXXXX15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 

XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 


XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP Please see the above inquiries as well.
Product: Debt collection

on this date Mohela opened a collections XX/XX/year> XXXX $ i owe I have never signed any written agreement or document saying that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that i owe this debt to this alleged company. 
*please have this removed from all three credit bureaus. 

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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i noticed there were wrong names, hard inquires, and addresses on my credit report. i would like it to be remove as to not harm my future credit worthiness.
Product: Debt collection

I am lodging a formal complaint against portfolio recovery. This debt collector has been reporting derogatory Information on my three credit reports for debts owed to XXXX XXXX. I have sent this company numerous letters for debt validation, not debt verification. And I have yet to receive anything. No contract with my signature etc .... In addition I have never received a dunning notice from this company portfolio just reported on my reports without giving me 30 days to dispute validity, which is a violation of the fdcpa/fcra. I am in the process of purchasing my very first home for my family and I. And these errounous accounts are holding my family and I back. XXXX, and attorney general complaints will be submitted if these accounts aren't deleted immediately. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXXXX/XX/XXXX 7 ] XXXX XXXXXX/XX/XXXX 8 ] XXXX XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX  XX/XX/XXXX 11 ] XXXX XXXX  XX/XX/XXXX12 ] XXXX XXXX  XX/XX/XXXX 13 ] XXXX XXXX XX/XX/XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to have a freeze on my credit report permanently removed. I am in the process of applying for a new mortgage and need to allow prop spectate lender to have access to my credit report. The transunion employees I have gotten are very hard to understand and I am hard of hearing. I may have answered a question regarding my credit report but sometimes the questions were a little confusing or I was not able to understand them. I need to have the freeze on my credit report removed, immediately.
Product: Debt collection

When I took out the XXXX  credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or  disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting suicide. Although, I made the minimum monthly payments and have been told not to work as I suffer from several mental conditions that have made me permanently disabled and  have a doctors statement confirming I have been receiving treatment since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, XXXX has referred the matter to Portfolio Recorvery Associates, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
Portfolio Recovery Associates as a business associate of XXXX needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should Portfolio Recovery Associates choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in Portfolio Recovery Associates best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.
Product: Credit reporting or other personal consumer reports

Experian has failed toto 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 removed or corrected disputed items despite evidence I provided causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint against Experian, due to the fact that when I went to XXXX to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " XXXX ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my XXXX from Experian. I want to see and know all the information that Experian has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.
Product: Student loan

1.I have never had an account with this company DEPT OF EDXXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DEPT OF ED/XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender, XXXX ( a state of New Jersey student loan agency ), granted me a forbearance in light of a XXXX hardship. However, XXXX failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. XXXX has since acknowledged its error and seemingly corrected the misreporting with XXXX  and XXXX, but there has been a complete breakdown in communication with Experian. 

XXXX has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, XXXX keeps saying that they have done everything possible to correct the matter with Experian, but Experian must be failing to make appropriate corrections on their end. 

Experian, on the other hand, claims that XXXX continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with Experian. With regard to those disputes, XXXX claims that they were never contacted by Experian regarding any dispute, while, as noted, Experian claims XXXX was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring XXXX and Experian into contact with one another in a way that transmits an accurate correction of my credit report from XXXX to Experian. I have ample documentation confirming everything explained above. 

My primary contact at XXXX is XXXX XXXX, whose email is XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX, XXXX, XXXX, I sent out a certified mail validation request to PORTFOLIO RECOVERY ASSOCIATES, LLC. I have yet to receive a validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX XXXX XXXX and which per FCRA/FDCPA does not constitute verification. 

Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email supposedly from XXXX about a data breach settlement which is directing me to click on a link in the email to sign up for the free fraud protection. The problem is, I am not able to independently verify this link is okay and the link is asking for some very sensitive information that could cause a huge problem. 
Here is the link : XXXX I tried to go directly to the Experian web site to complete the sign up, but there is no way to access from there. I tried to call Experian about this, and they only give you an automated system and you can not actually talk to someone about the legitimacy of this link. 

With all the internet fraud, this is really irresponsible of Experian to force us to use a link in an email to sign up from their fraud protection. Could you get them to fix this?
Product: Credit card or prepaid card

On XX/XX/XXXX my friend sent me money to pay my rent {$200.00}. Which gave me a balance of {$260.00}. I paid the rent and it was attempted to take out XX/XX/XXXX and it was declined due to the money being gone. I checked the card and there were charges from XXXX {$97.00} & {$150.00}. The total was {$250.00}. I reached out to Cash app immediately and the moment I put the claim in they declined the claim. I reached out via chat and they told me they would help me redo the claim because they still see more charges being declined because the card is locked and there are no funds. The claim the was still denied even though they seen someone still trying to charge the card. I then requested for a supervisor to contact me. They contacted me via email and said they are not changing the outcome. I asked for the documentation they had as proof. The receipts they sent me say the person used XXXX pay purchase. I have an XXXX and this is yet another reason it wasnt me. I also made them aware I had misplaced my card which is why my card is always locked. Someone returned it at my job and I assumed I was good. But I also only could think of anything funny that happened to me was I used a card tarot and had to provide my DoB and name. Idk if that had anything to do with it. But again my card was locked at all times until its time for me to pay a bill. I now am in the hole because I had yo borrow money from another friend to pay my rent. I would like to speak a the person above XXXX the support manger.
Product: Debt collection

There are collections on my account that do not belong to me and addresses that do not belong to me. Im a victim of identity theft Ive sent in copies of ftc report police report and proof of new address and no updates or responses have been sent. I was apart of the data breach. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. This is against the law. Ive contacted each credit bureau numerous times and was told that I will have results within 60 days and that was on XX/XX/XXXX, XX/XX/XXXX and today is XX/XX/XXXX. The first contact was XX/XX/XXXX and I am outraged by the false follow ups delays and inaccurate info. The collections listed on my account are inaccurate and false reporting I have attached proof of my only listed address that has been associated with me. I have no had a lease in my name and medical bill. Please advise Notice of Complaint****Pending Lawsuit****** ( Pending Date XX/XX/XXXX ) Re : Intent To File Lawsuit for FCRA Violation This is a warning. 
****This letter indicates a possible or impending danger, problem, or other unpleasant data********. 
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail requesting that you Transunion XXXX and XXXX remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. They have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, you may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing for nearly three years I await your response
Product: Checking or savings account

made 2 large deposits in a new savings account and then I went to make 3rd deposit in the same account and it did not total to the correct amount that should be in my savings account. When I brought that to the tellers attention the teller advised me that there was a discrepancy in my account and she verified that it was {$1000.00} off. So the teller took me over to the bank manager she looked into the account and said it looked like my account had been hacked or fraudulent activity. I was advised that the bank was going to look into this matter and they would credit my account for the funds that were taken out of my account ( fraudulent ) .I have spoken to the chase bank manager XXXX and she advised me that my account should have been credit by now. I since received a letter from Chase bank stating that they were not going to credit my account because the letter states I benefited from this account. I believe every time I make a complaint about chase on my accounts they give me a lame excuse about my account and they can not prove how I benefited from this account and they will not show me who hacked my account and how the amount was distributed to me or whoever.
Product: Credit reporting or other personal consumer reports

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and XXXX ( a ) ( XXXX ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS
Product: Debt collection

I co-signed on a Honda for someone back in XXXX of 2013 the car was stolen I was aware that it had been stolen but it had full coverage with XXXX and the dealer also would not let the car leave the dealer withought gap ins I reciently became aware of this because I tryed to buy a car and I have a debt through American Honda financial services I called and they told me that XXXX only payed XXXX towards the car an I was responsible for the remaining balance so I called gap and they said that they reversed the gap insurance because Honda never sent them the police report nor paperwork they needed o feel that one they should have called me if Im the co signed and 2 the car had the proper insurance and the proper gap yet they reported it to my credit report as a repo I dont understamd what to do now