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

Account # XXXX Balance {$4000.00} ( inaccurate ) Last verified XX/XX/XXXX ( 4 days ago, lie ) Last activity XX/XX/XXXX ( 4 days ago, lie ) Date reported XX/XX/XXXX ( 4 days ago, lie ) Date opened XX/XX/XXXX Balance owed {$4100.00} Closed date XX/XX/XXXX ( 4 days ago, lie ) Individual account Account not disputed ( this is a fraudulent statement ) This account is full of fraud and violations of my FCRA rights! Date of last activity fraud. Close date is reporting fraudulently and extremely re-aged, etc.
Product: Credit reporting or other personal consumer reports

I have contacted this company XXXX a few times they responded back with a letter stating that they sold the debt to XXXX. I have also contacted them sending them debt validation letters and debt verification letters requesting that they validate this debt. 
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Account in violation XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number XXXX XXXX U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I sent LEXISNEXIS a letter XXXX XXXX XXXX  stating I want my the bankruptcy deleted from my credit report because they violated my rights by reporting my personal information on my credit report. Due to bankruptcy clerk sent me a letter stating they dont report to the credit bureau nor agency. ( FCRA ) ( 15 U.S.C 1681 et seq ) I received a letter from LEXISNEXIS stating they deleted the bankruptcy but its not removed from my credit report. LEXISNEXIS stated they deleted it XXXX that it would be deleted from all credit reports.
Product: Student loan

I applied to have my cosignor released XX/XX/15. My credit score is XXXX and I have the income and debt ratio to sustain the loan without the cosignor. I can not get a straight answer from Navient. Each time I call and talk to a different person, I get a different answer. All of my payments have been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I've been trying to fix different inaccuracies reporting on my credit report, I have reached out to the following companies. XXXX, XXXX, & XXXX. I have lived at the address on my drivers license for over 2 years and I have sent in documents to the 3 bureaus to update my address and delete all previous addresses, along with my jobs, unauthorized inquiries also showing them proof and asking for reinvestigations. That I have not received to this day XX/XX/XXXX. I've disputed inaccurate information reporting on the following accounts and requested the reinvestigation and the 3 bureaus haven't sent me the information for unauthorized Inquiries. 
XXXX XXXX XX/XX/XXXX TransUnion DIVIDEND XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The following accounts for late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - Child Support These unauthorized and Inaccurate information are hindering me from acquiring credit and loans. It's costing me XXXX, bad health, pain and suffering. I'm having a hard time supporting my family, to the point the my wife has left me and seeking a divorce.
Product: Money transfer, virtual currency, or money service

Multiple charges of 2 towns or coins in amounts of XXXX XXXX and it showing no amount and where it went to. Also an account that is not accessible that show transfers were made. Downloaded the state logs and it does not match the transactions that show. This is Coinbbase and COINTRACKER. The tracker can edit transactions as well. Have informed the company Coinbase that my account was hacked and all they did was tell me to make a new account. Had sent 25 usd to the account a few times and then it was gone. So now the account being used is negative in balance not of my doing. This is frustrating because not only has one company screwed me its multiple. Account statements have disappeared from XXXX with banks and internet financial technology companies. Someone is ripping me off.
Product: Student loan

My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

This company has no written consent to use any information for credit reporting. This is a violation of my consumer rights. 
I don't know this company and how this company was able to use my credit information. Every account on my credit report is close and my credit is frozen.
Product: Credit card or prepaid card

Two cases of fraud unresolved. 
1 ) " XXXX '' charges my card every football season for a service I did not sign up for. For 3 years I believe. Maybe 4 years. My credit card company has removed the charge in the past. I asked to have them blocked in XXXX but the charge came back anyway this year. This year they have denied the fraud case. 

XXXX ) A charge for {$200.00} appeared on this month 's bill. Notation said " XXXX. '' I have service with XXXX but I pay by check and have NEVER GIVEN XXXX my card number. I phoned XXXX ; they have no record of this charge. My credit card company has given it Case number : XXXX. 

The credit card company has not given me credit for either of these fraud claims, and don't seem to have a record of the claims being processed.
Product: Credit reporting or other personal consumer reports

ID theft report # XXXX lists unauthorized hard inquiries on my consumer report. Equifax failed to remove 1 unauthorized inquiry after processing CFPB complaint # XXXX. The CFPB complaint contained the FTC ID theft report. The following inquiry was not authorized and should be removed : XXXX XXXX XXXX XXXX, inquired on XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX.  My wife and I had an existing mortgage with XXXX during this period.  Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification.  Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification.  In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process.  Please help us!  I served my country in good faith and am now being put out of house and home.
Product: Credit reporting or other personal consumer reports

XXXX : I'm attempting to delete my account so that my credit information, social security and address information are no longer with the company but they are not providing me with any method to do so. 

The website provides no method to do so, the automated system provides no method to do and their automated system is purposely convoluted so that you can't get an answer. 

I was able to deactivate by accessing another department and making them get it done but I need the account gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen many years ago. I sent the required paperwork to the credit bureau in 2017 and they removed the item. Years later they put the item back on my report. They failed to notify my as is required per the FCRA. I filed and additional dispute and they did not reply in the allotted time period. It seems the CRA 's can get away with just about anything they want.
Product: Mortgage

I had tried to remove the pmi on my home loan thru loan depot, because it is mortgaged at less than 73 % of the purchase price. Typically it is removed at discretion of lender if it is at 20 %. I am at 27 % even if my home did not go up in value. Which homes in my neighborhood have increased past my purchase price. They refused to remove it and state that I am not eligible to remove it and must refinance to remove it. This is a predatory business model that would not be fair. I have a 2.9 percent interest and could not afford my home if the interest rate was higher.
Product: Checking or savings account

on XXXX XXXX the scammers first contacted me through XXXX from my best friend XXXX XXXX profile. After the scammers begin the texting through XXXX and that profile shows my friend XXXX XXXX information. 

This person XXXX XXXX with a telephone number XXXX, stole my best friend 's information and used her identity to commit fraud, and took {$380.00} from me. The XXXX account is enrolled as XXXX. The transfer was done through Citizens Bank mobile banking App. I opened a fraud claim # XXXX with the bank, but the bank, is ignoring my claim and done nothing. 

I was deceived because the scammers impersonated my friend through via text message, XXXX, and it was her profile and name that was being used- I thought that they were XXXX XXXX XXXX 
As result of this I lost {$380.00} and Citizens Bank is not helping me with the case I already opened. I contacted the bank several times requesting the refund from this scam.
Product: Credit reporting or other personal consumer reports

I am 100 % total and permanent veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.
Product: Debt collection

On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to Ford Motor Co. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX County- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''
Product: Checking or savings account

This will be the THIRD time this year my card has had unauthorized funds taken out by a theif. When I contacted chase I was advised a credit would take place to only have them ( without any explanation ) take the funds back out of my account! 

The most recent transaction : XX/XX/2018 Debit card lost/stolen I received an email from chase which stated suspicious transactions and requested confirm the transactions and or contact them. 
I contacted chase accordingly and quickly learned that 3 transactions had been made, with out my knowledge from an unknown party/theif. 
I was advised a credit would be placed and a new debit card would be issued. 
I now have received a letter from chase in the mail that reflects yet again that they are taking the funds out that they credited for these unauthorized charges!! 

There is no explanation in this letter as to why they are doing this! The letter is dated XX/XX/2018 and I just received it today XX/XX/2018 and they plan to take the funds XX/XX/2018. 

I attempted to contact Chase customer care to get a better understanding why I was being forced to pay for a transaction unauthorized and I was hung up on a total of 8 times. No explanation once again.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to check my balance on my account and was unable to log in so I called to support and the support number told me that my account was closed so I began emailing support to find out why my account was closed. The first explanation they came back with was it was lack of activity. In the beginning the lack of activity was because I never got the debit card that they sent me in the mail so when I tried to reopen the account again they said that I already had an account and I needed to contact support so I'll contact the support and they sent me out another card I started putting money on this card so that I could save money for my taxes what happened was I will deposit money periodically from my paycheck I have a job and I also have a business and I just wanted to side account so that I wouldn't touch it cuz I knew that was the account for my house taxes so back and forth back and forth back and forth I've been emailing support I've been talking to XXXX XXXX tells me I need to talk to chime chime tells me I need to talk to XXXX so now they got XXXX of my money and they're telling me that my money is not refundable because they don't know this is the second reason they don't know where my money is come from and that money being deposited on that card looks suspicious I've been going back and forth with them since XX/XX/XXXX and I have no resolution nobody will help me so I was directed from a post on the internet that you help people with the situations as far as time is concerned so I'm just reaching out to you to see if you can help me.
Product: Mortgage

servicer never applied payments properly from the months of XXXX ... they have been inaccurately reporting my payments as late when they were on time. ruining my fico score.
Product: Credit reporting or other personal consumer reports

I moved out of an apartment owned by XXXX XXXX XXXX. They tried to charge me for an old carpet that was old when I moved in. They sent me an invoice saying I needed to pay XXXX for a carpet that was old. I denied the charge.. hunter warfield then sent me s debt collection notice via email. I sent them certified mail asking for validation of the debt and they then sent me the same invoice that XXXXXXXX XXXX XXXX sent me via email after I asked them to only communicate through the mail. In Wisconsin carpets are part of normal wear and tear and require proof of being new to charge tenants. This company knows this is false because if it was real they would have gotten a court settlement. No court action has ever been taken. This is a false debt that was sent to collections with no proof other than a made up invoice by XXXX XXXX XXXXs and hunter Warfield has now reported this debt to the major credit bureaus. They have violated my consumer rights.
Product: Credit reporting 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.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues. 

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that XXXX, Equifax, and XXXX, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality. 

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( 2 ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither Equifax, XXXX, nor XXXX has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974.

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Validate Debt and Continued Inaccurate Reporting by Portfolio Recovery Associates Accounts : PORTFOLIO RC XXXX PORTFOLIO SYNCH XXXX Details of the Complaint : I am beyond frustrated with the repeated violations of my consumer rights by Portfolio Recovery Associates and the credit bureaus. I have been disputing these accounts for over six months, and during that time, the credit bureaus have allegedly " verified '' these accounts with Portfolio Recovery Associates. However, I have yet to receive a single shred of validation or supporting documentation for these debts. 

This behavior is not only a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) but also a clear breach of the Fair Credit Reporting Act ( FCRA ). The law requires that only verified, accurate, and substantiated information can be reported to the credit bureaus. If Portfolio Recovery Associates is unable or unwilling to provide proper validation, they have no legal right to continue reporting these debts. Their refusal to comply with these legal obligations is unacceptable and unlawful. 

Additionally : Duplicate Reporting : These accounts are duplicates of the same debt under different numbers, which creates a misleading and inaccurate portrayal of my credit profile. This is a deceptive practice and a direct violation of the FCRA.

False Verification : Since Portfolio Recovery Associates has not provided me with any validation despite multiple disputes, it is clear they have been providing false verification to the credit bureaus. This practice is fraudulent and must be stopped immediately.