23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo called my daughter at work today, she is a joint account holder. She works from XXXX to XXXX PST. I called the lady back and she refused to help me or talk to me. She wants to speak with my joint account holder exclusively. Also, she is very hard to understand, she does not speak XXXX very well over the phone. This is the dumbest response I have ever received. It is a joint account, so she should be able to speak to either account holder. I am not incompetent, I am just an elder person. I still have all my faculties, so there was no reason to NOT talk to me about our account. They are just trying to say they made contact when they have not. I have a case open with number XXXX. Just wanted to add to that complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX  does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are National Credit Systems for {$90.00} and National Credit systems for {$11000.00} and NCC business services for {$3600.00}.
Product: Debt collection

In XX/XX/2018 I find {$920.00} Medical bell on my XXXX  credit report and I disputed with the credit bureau but it looks like its still open and its harming my credit score The company that bought this charge my credit report Named commonwealth financial systems and this debit bed off And I have the receipt for that I attach the receive with this page
Product: Credit reporting

A judgement on my credit was satisfied in XXXX. I have faxed the court record proving this to Transunion and XXXX. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Debt collection

Portfolio Recovery Associates has been involved in several lawsuits and legal actions12345. The Consumer Financial Protection Bureau ( CFPB ) filed a complaint and proposed judgment against Portfolio Recovery Associates , LLC on XX/XX/XXXX, which would require PRA to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX to the CFPB as a civil penalty1. A class action lawsuit had accused Portfolio Recovery Associates of violating the FLSA in several ways2. The CFPB also filed a proposed court order against the company on the grounds of alleged illegal practices3. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations4. The Bureau found that Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable5. 



Dear Portfolio Recovery Associates, I am writing to dispute certain information contained in my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and fairness of the information within my credit report. 

The contested information pertains to : Creditor Name : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX : Entire amount Reason for Dispute : I dispute the entire debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt, including the presentation of the original contract bearing my wet signature, which demonstrates my obligation to the purported debt. 
Current Debt Holder : Account number XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer While I acknowledge that the original creditor, XXXX XXXX XXXX  XXXX XXXX, charged off the account due to delinquency or other reasons, it is essential that I receive validation of the debt in question, including evidence of my original agreement with XXXX  XXXX, as mandated by the FDCPA. 

I request a thorough investigation into this matter and the provision of documentation validating the debt, including, but not limited to, the original contract bearing my signature. Furthermore, I demand the prompt removal of all inaccurately reported information related to this debt from all credit reporting agencies, as mandated by the FCRA and FDCPA. 

Please provide a response within the timeframe mandated by the FCRA, detailing any actions taken to rectify this dispute. Failure to comply with federal regulations may necessitate further action, including arbitration. 

Thank you for your immediate attention to this matter. 

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

Ally is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also Ally is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in 2018 I filed a complaint in regards to Equifax Credit Reporting Agency. It has blown my mind that a company that does credit reporting and can make or break a consumer would not investigate a claim that was a past due account and is actually mine. I submitted documents that came straight from the apparent company claiming to have a loan in my name. There is not one signature, the address used I never lived at or on my credit file and there is no proof it was actually me. XXXX and XXXX who are the leaders in credit reporting and not being hacked by data breaches sided with me also and removed the fraud account from my credit file but yet Equifax with a blemished record can't see this nor investigated correctly and removed the account. There is not one thing signed on this apparent contract, no drivers license, nothing. I have disputed this account with them directly and got no where. Please look at this information yet again. It is beginning to show me why XXXX and XXXX and the leaders in credit reporting and why creditors only use them.
Product: Mortgage

My husband and I have a mortgage through Carrington MortgageLLC company it hasn't been reported on our credit reports since XXXX of XXXX They took it over XXXX XXXX I believe we were hacked and this isn't a reputable company. I put their wrong adress down not sure how to fix it it is Attention Carrington Mortgage DepartmentXXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX CA XXXX phone number is XXXX I spoke to a lady that said they didn't get our bankruptcy discharge which is Bull because we didn't file until XXXX discharged in XXXX and we have had 3 different lenders in 16 years almost 17 bought house XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have had numerous cards ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX, Victoria 's SecreXXXX, Zales, Ann Taylor, XXXX XXXX, XXXX XXXX XXXX, and XXXX, with Comenity Bank over the years. 

Their customer service is absolutely horrible. They are rude and do not answer your questions. They lie and tell you something has been done, when it is apparent it has not. 

They have cancelled many of my credit cards and lowered my balance without notifying me prior to doing so. 
I paid a few days late on my one card and they suspended the card until the next billing cycle which was 7 weeks later. 

I took the account assure to help if I was ever out of work, and was charged monthly for the service ( Not cheap ), which raised the balance owed on my credit card, so my card was maxed out and I wasn't even using it ( but because I had a balance I was charged ). When I called to use it, they gave me a hard time and I would have to send documents several times before they would start crediting my account ( always would claim they never received it ). When I called to cancel the service they would give me a hard time. 

They used to allow you to schedule monthly payments so that your account was automatically paid, they took that away without notification.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Multiple fraudulent charges were made on my personal Key Bank credit/debit card on XX/XX/2023. After speaking with a fraud XXXX about the charges, all were reversed except a {$500.00} charge from XXXX XXXX XXXX in XXXX North Dakota for a digital gift card. The fraud XXXX authorized a provisional {$500.00} XXXX XXXX XXXX and assured me that the charge would be reversed due to the proximity of the other fraudulent charges. I did not inquire further with XXXX about the charge because the bank employee was confident about the ability to get it reversed. This charge was not reversed and the provisional loan was subtracted from my account, and the dispute was closed due to evidence provided by the vendor stating that I was associated with my personal email which was used to make the purchases. After inquiring to the Key Bank fraud department again they ask for me to provide further evidence about the purchase at what time I provided an email I received from XXXX stating that the gift card was sent to a second email that is not associated with me immediately following the purchase. I did not receive any correspondence other than this regarding a purchase. No invoice or any gift card number. The fraud specialist informed me that the bank had up to XXXX weeks to investigate the dispute once re-opened. After this period I had to call again and complain about not receiving and communication regarding my case. When I again spoke with a fraud XXXX named XXXX from Key Bank he asked me if I knew a person named XXXX XXXX and if I was familiar with XXXX XXXX New York. I told him I was not and he informed me that there was a second individual listed who was located in XXXX XXXX. I asked to speak with XXXX 's supervisor at which time I was transferred to a person named XXXX. She did not want to discuss the information that XXXX brought up. I asked to speak with the case XXXX at which point I was told that those employees do not field inquiries from customers. I was promised a call from a supervisor but have received no call in over a month about this. I have not been refunded the {$500.00} and have only been provided " evidence '' about my own personal email. Nothing about additional evidence. Or the additional individual brought up by XXXX.
Product: Debt collection

This complaint is filed with this Administrative Tribunal for UDAAP violations, and FDCPA 15 U.S. Code 1692f - unfair and deceptive debt collection by filing a lawsuits based on flimsy or nonexistent evidence. 

1. Whereas, XXXX XXXX XXXX XXXX, Fidelity National Law Group, XXXX XXXX XXXX and XXXX, f/kla XXXX XXXX, XXXX Truss has collectively conspired to fraudulently seize our property where the Plaintiff ', XXXX XXXX , XXXX Truss is claiming to hold a secured interest in our property. IT DOES NOT HOLD ANY INTEREST IN OUR PROPERTY at all. Therefore, they lack legal standing to bring an action for Declaratory and Injunctive Relief -- Note that XXXX XXXX XXXX XXXX is falsely claiming to be the servicer for XXXX XXXX, XXXX Truss. 

2. Whereas, this complaint is filed because XXXX XXXX XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX XXXX XXXX , ( the seller ) knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 

3. Whereas, XXXX XXXX XXXX XXXX, in calibration with the parties listed in paragraph 1 above are continuing to pursue collection/foreclosure action through a FRIVOLOUS AND NUISANCE Lawsuit, all for the purpose of intimidation and harassment in violation of UDAAP - See Exhibit XXXX, Case # XXXX. The parties actions are unlawful for the following reasons : 4. The parties listed above knew or should have known they were UNLAWFULLY TREATING the purchase of a default debt that derived from a 4 year old charge-off, closure, and now time barred loan as if the XXXX, XXXX, XXXX Truss actually held a secured interest in our property, although this purported loan, if it was ever in a truss, was bought out of any truss by XXXX XXXX XXXX on or about XXXX XXXX. ( See EXHIBIT XXXX ) 5. Please be advised that the purported loan ( # XXXX ) was ( a ), placed in default by XXXX on XXXX XXXX, and ( b ), It was subsequently charged off and CLOSED on or about XXXX XXXX, XXXX, and ( c ), when a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ), and ( d ), all that remained is collection rights to possible default debt, and ( e ), those rights can be transferred by assignment ONLY, and not by " transfer '' of a negotiable note, and ( f ), as of the charge off/closure date on or before XXXX XXXX the purported loan became unsecured default debt, and ( g ) the STATUTE of limitation began to run on the default debt on or before the Account closure on or about XXXX, XXXX. ( see EXHIBIT XXXX ) then ( see EXHIBIT XXXX ). 

6. Be advised that XXXX XXXX XXXX XXXX, upon buying the default debt on or about XXXX XXXX they changed the loan account number. Note that in ( EXHIBIT XXXX at pg. XXXX and XXXX ) it says " Account transferred to another " LENDER '' '' in XXXX XXXX -- - Then see EXHIBIT XXXX, page XXXX where it says XXXX ; UNPAID BALANCE CHARGED OFF ''. It occurred on or before XXXX XXXX. 

XXXX. Paragraph XXXX above IS PROOF that XXXX, f/kla XXXX XXXX, XXXX Truss does not have any interest in our property, and the debt is time-barred
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at TransUnion?

When was the dispute sent to the original information furnisher?

When did TransUnion receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my credit card bills and both account were placed on hold.
Product: Mortgage

RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. 
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. 

Thanks
Product: Debt collection

Affiliated Acceptance Corporation diligently and willfully violated several federal laws. I reached out to them to validate this alleged debt ( obligation ) they attempted to collect as a debt collector. They stated that this account was closed in XXXX and they instructed the bureaus to delete it. However, this does not excuse them from blatant willful violations of federal laws. There is no statute of limitation on fraud. U.S v. Throckmorton 98 U.S. 61. Attached below is my first Affidavit of Truth to AAC notifying them of all their willful violations of federal law and outlining my demands to resolve these issues without any litigation. All my demands included in the attachment below are not request but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, federally protected consumer and natural person. If Affiliated Acceptance Corporation chooses to deceptively delay and/or state false information regarding this issue to avoid providing all my demanded remedy swiftly. I will continue my private administrative process and things will only worsen for them as this process goes on because they have caused me severe injury which is all outlined in my attachment below. I advise whoever at Affiliated Acceptance Corporation who receives this CFPB complaint and Affidavit attachment to forward it to your executive leadership team and legal team. Such individuals will understand what this documents signify and mean at this time.
Product: Debt collection

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately
Product: Checking or savings account

On XX/XX/2019, my Chase dept card was stolen. The same day, the thieves made 50+ individual transactions mainly at XXXX for an average of {$100.00} per transaction using the card and the PIN for a total of {$5500.00}. I filed a police report the same day and started a dispute with Chase. Chase responded in a letter dated XX/XX/XXXX that the claim was denied and all transaction are authorized.