23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). 

After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX  but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX  via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.
Product: Debt collection

Since the beginning of 2023 Genesis company has been contacting us for a debt that we were not aware of. On XX/XX/2023 I sent them a letter requesting to send me more info about the debt as well the contract that they have with the apartment that gives them permission to request for a payment and ledger of my old account to verify accuracy of the charges. I asked them to send info in the next 30 days and asked them to give me 30 days to revise information. I asked to cease all calls during this time and they have not responded and they keep calling me.
Product: Student loan

FEDLOAN asked for a refund on paid student loans in XXXX, they said it would take 2weeks to 2montbs, called in XXXX and was told it was still processing despite them saying I was transferred to a new company, new company had no account info ( and still doesn't in XXXX ). Called back in XXXX and they said they cancelled the request and I had to take it up with the new company who still has none of my account information. They never informed me of any of this in writing, emails, phone calls nothing, just cancelled the request and lied to me about it still going through when I called to check in XXXX. I should've had my loans 2 months ago, now Im going to be losing everything because they couldn't just tell me sorry you'll have to refund with the new place.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a credit inquiry from my XXXX credit report. The inquiry was from XXXX XXXX, which I have never applied for before. Apparently, who ever stole my identity used a different address based off Washington DC. I have never lived in Washington DC, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department store Victoria 's Secret has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a bill under previois married name from 2007 that i was unaware was even associated with me. The collection agency is Convergent in XXXX Wa. I've only recently signed up for XX/XX/XXXX in the past 3 months. Upon numerous attepmts to speak with Convergent ( any info I enter sends me to voicemail saying there's no one available to speak to ), i got ahold of XXXX. The representative told me this was from 2007 and in my previous married name. I explained i wasn't even aware of this account and if the debt was from 2007 how the XXXX are they attempting to collect more than 12 years later. The letter offers a 3 payment options and states they are not required to offer this to me and if i dont comete 1 of they're options ( or contact them ) they will proceed with further action.
Product: Credit reporting or other personal consumer reports

Subject : Intent to File Lawsuit for Violation of Rights under the Fair Credit Reporting Act Dear Credit Bureau I am writing to formally notify you of my intent to file a lawsuit against this Credit Bureau for violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I submitted a request through the Consumer Financial Protection Bureau ( CFPB ) website, asking for the method of verification for an account that is inaccurately being reported on my credit report. As per the FCRA, you are required to provide this information within 15 days of receiving such a request. However, more than 30 days have passed, and I have not received any response or the requested information from your company. 

Your failure to comply with the FCRA not only impacts my credit report but also causes unnecessary stress and harm. The law is clear on your obligations, and your lack of response is a direct violation of my rights under federal law. 

The Fair Credit Reporting Act clearly states that if the credit bureau is unable to provide the Method Of Verification within 15 days of the request been made and received then the account must be deleted from the Consumer 's account. A failure on the part of the credit bureau to follow the law is a violation of my rights under the Fair Credit Reporting Act for which I may claim damages. The account in question that the method of verification was requested is that of a account listed on my credit report as Conserve. I list below a copy of the Fair Credit Reporting Act as it pertains to the method of verification request.

FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) : This section requires that if a consumer disputes the accuracy of information in their credit report, the credit reporting agency ( CRA ) must reinvestigate the matter. Upon completion of the reinvestigation, the CRA is required to provide the consumer with a written notice of the results, which should include a statement that the reinvestigation is complete and a description of the procedure used to determine the accuracy and completeness of the information. This must be done within 30 days of receiving the dispute.

2. FCRA Section 611 ( a ) ( 7 ) : This section provides that if the consumer requests, the CRA must provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 
Penalties for Violations : The penalties for violating the FCRA can include actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, and punitive damages in cases of willful non-compliance. Consumers may also recover attorney 's fees and court costs. In cases of negligent non-compliance, the consumer can recover any actual damages sustained. 

I urge you to take this matter seriously and resolve it promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.
Product: Checking or savings account

On XX/XX/XXXX, I had a check ( XXXX  XXXX XXXX ) deposit in my account. Truist Bank froze my account and refusing to release my funds after I done proved it was an legal check and IRS verified it as well. Since these allegations my credit score has dropped. I literally let one of the Truist Bankers speak to my landlord, I'm late on all my bills, I'm being harassed by the collectors due to my funds being FROZEN for no reason this is my personal funds being held from me and my family, and may I add my business account is at stake as well...
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 card or prepaid card

To make a long sob story short, I borrowed from Paypal credit. The way the balance was presented to me in such a way that led me to believe this was money sitting in my Paypal account already that I had not transferred to my bank yet, like other money sharing services. The following are the amounts I unknowingly borrowed : XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$91.00} XXXX - {$50.00} XXXX - {$80.00} Now I have credit reporting, and reporting poorly, because I had credit that I didn't realize I took out, I'm sure an inquiry was made on my credit, and I didn't know these payments weren't getting paid because I didn't know I borrowed the money in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3600.00} ; CHILD XXXX ENF AG/N XXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Capital one has treated me horibke they closed my account after being a customer for 6 years in good standing all While om on vacation they change my due date on my other account all without surprised this is horibke their customer service refuses to handle this for me executive relations reinstate my account and call me and put back the due date I had in my GM card its not fair why your system would do this to me and change it
Product: Credit reporting or other personal consumer reports

Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies. 

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions. 

Under 15 U.S.C. 1681, I demand : 1. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me.

2. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
3. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by police that I am a victim of identity theft, so I requested a credit report. Upon reviewing the report, I see addresses listed on there that I never used or lived at. One address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX. I believe this address belongs to XXXX XXXX. Address ID XXXX
Product: Mortgage

I paid two payments at the end of XXXX to citimortgage. My account was current. I went in to pay XXXX 's payment and my account got sold to XXXX. I had no idea and did not get any notifications nor letters in the mail. 

I now get a letter from XXXX that my mortgage is behind and citimortgge did not post my payment
Product: Debt collection

I am being told that I owe money for a hospital visit in XXXX Alaska. The problem is that I was in XXXX at the time. They removed the collection once because I hired a law firm and then they added it back. I wasn't even in the country at the time this supposedly happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I applied and was authorized for my first American Express Platinum Delta SkyMiles Credit Card with rewards of XXXX bonus miles, XXXX Medallion Qualification Miles after spending {$3000.00} or more in purchases with the new card within 3 months and {$100.00} statement credit after making a Delta purchase with the card in the first 3 months. 
XX/XX/XXXX my total charges on the card equaled {$3600.00}. However, my first card was stolen in XXXX on XX/XX/XXXX and {$1000.00} of the total {$3600.00} was credited to a new replacement XXXX XXXX Platinum card with a different number. 
In XX/XX/XXXX and XX/XX/XXXX I made 4-5 calls to XXXX customer service and was told on more than one call by the representative ( in some cases after holding for a long time while the person spoke to the accounting department ) that I DID INDEED meet the required total charges on the card and I should be receiving the awards. On XX/XX/XXXX I was told it takes 3-4 weeks to correct this. It has now been 5 weeks and I still have not received any promised rewards nor have I received any communication from American Express about the situation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account Number : XXXX High Balance : {$4200.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Credit Limit : {$4000.00} XXXX-Year Payment History : Late payments reported as XXXX  days late in XXXX, XXXX  days in XXXX, XXXX  days in XXXX, and XXXX  days in XX/XX/XXXX. These discrepancies conflict with my verified payment history and documented bank statements showing payments made well within the due dates for these months. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by 15 U.S. Code 1681e ( b ). 
Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i, requiring timely reinvestigation of disputed information.

Reporting inaccurate information violates 15 U.S. Code 1681s-2.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely and accurate billing disclosures.

Non-compliance with 15 U.S. Code 1637 ( b ) for accurate reporting of payment details.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Experian to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX has v iolated 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I would like this to be taken off my credit report