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

I've reached out multiple times to Portfolio Recovery Associates as well as XXXX XXXX XXXX XXXX. to attempt for them to resolve this without involving the CFPB or a regulatory agency and they've not responded by phone, email or mail. 

A garnishment was filed and granted on XX/XX/XXXX for the full debt balance owed on the debt for an old XXXX card that charged off. On XX/XX/XXXX, the balance of {$2400.00} was garnished and fully paid off to XXXX XXXX XXXX XXXX. on behalf of Portfolio Recovery Associates. My HR department advised that on XX/XX/XXXX, a follow up hearing in XXXX XXXX occurred with the recovery firm, XXXX XXXX XXXX XXXX. that was supposed to close this case out and essentially update the reporting. Per the 'Last Updated ' field on the tradeline with all XXXX CRAs it shows I still owe the outstanding balance and that it's still late, both of which are false and untrue statements. This is in direct violation of the Fair Credit Reporting Act Adherence.
Product: Credit reporting, credit repair services, or other personal consumer reports

my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XX/XX/2018 for the amount of {$12000.00}
Product: Credit reporting or other personal consumer reports

I was informed about Equifax data breach XXXX XXXX Americans, my XXXX XXXX XXXX all in data breach as I was told use last XXXX numbers of XXXX, it came back and said I was in the breach. 4 years later Equifax contacted me I don't know how as I have not use email in 4 years thanks to this idiotic computers, lost they contacted me gave me a date to provide info? for what? already did 4 years ago I post bad reviews behind this so it's retaliation. they put u in a class action lawsuit and you end up with a couple dollars well my phi, address phone all was breached I have XXXX letters and limited monitoring which hasn't done XXXX bc my info in others hands. now why and how did me, XXXX XXXX XXXX caught up in a breach. these ppl sent me email 2 day XX/XX/year> saying I wasn't im breach, I was so these ppl need to compensate all XXXX XXXX Americans who were breach may not be able to buy house car bc of Equifax and ill say USA is sloppy you got these uneducated folk ruining consumers I never had credit card, had a XXXX score and now it's poor bc Equifax lying saying I wasn't in the breach and I was I believe I have complaint number maybe. that was XXXX XXXX years ago I just don't remember the email, this why they waited but I contacted them couple times and then post a bad review now after finding my email, they saying I'm not in breach yes I was and so was my XXXX class action gets u XXXX XXXX maybe? XXXX of dollars lawyers get and all the consumers still at risk.mortified. there is no justification for credit bureaus, to find my email, lied and said I was not a part of breach yes I was and even this year I will screenshot it said the same as back in XXXX what a pos of people in USA everyone trying to get over on one another looks like I see it all and will call you out don't matter who, I want credit fixed and reimbursed for Equifax XXXX XXXX XXXX XXXX breached XXXXXXXX XXXX XXXX this happened she was XXXX or XXXX when first was out in XXXX omg
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports through XXXX, and XXXX, I noticed that Fig Loans had been reporting a late payment for the month of XX/XX/XXXX. I know for a fact had not missed a single payment to Fig Loans in XXXX. My immediate response was to dispute through the reporting agencies. Both bureaus completed their investigations and advised me that the late payment had been confirmed and remains on my reports. After several unsuccessful attempts to reach a representative by phone, I decided to reach Fig Loans by postal mail regarding the matter. I sent a letter along with supporting documents to confirm that my account was in fact current. I sent my correspondence to their mailing address in XXXX XXXX on XX/XX/XXXX, and a USPS Return Receipt confirms that a representative by the name of XXXX XXXX signed to receive my documents on XX/XX/XXXX. I have waited over 30 days for an update regarding their investigation and I have yet to receive a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquires are unauthorzied and needd to be removed from my credit report immediately.
Product: Checking or savings account

Received a letter from US bank stating someone tried to open an account in my name on XX/XX/2023. The bank denied it and they stated it was do to the Oregon DMV hack.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the update and removable of the incorrect information about my inquiry has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any answer up to this date. Besides, the fallacious information about my inquiry is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : CCR - XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

My debit card was stolen with the pin around XX/XX/XXXX or XX/XX/2018, and used for a large volume of transactions at various locations and the pin was used on some of the transactions. The total amount of fraudulent transactions was around {$2400.00}. I informed Chase by phone on XX/XX/2018, had the card locked, submitted a claim for refund. I received a questionnaire in the mail from Chase about the incident, filled it out and returned it. Chase has denied the claim becuase a pin was used in some of the transactions. I do not know what to do.
Product: Credit card or prepaid card

Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX  card to pay the bill from XXXX. XXXX XXXX  is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I  would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on  XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to remove right away : KIA MOTORS FINANCE-XXXXBalance {$8700.00} KIA MOTORS FINANCE-XXXXBalance {$12000.00}
Product: Debt collection

I contacted the original creditor XXXX XXXX XXXX XXXX Ph # XXXX, they could not verify the debt ; Additionally, the representative made excuses and attempt to gain information from me in reference to my physical address rather than using any information they would have on file since their claiming I owe the debt it would be such a record or documentation or proof to this fact in their possession. 

I provided the name of the debt collector supposedly was hired by XXXX. the company name is Americollect , Inc . and the amount {$71.00} owed Additionally I fax this dispute to XXXX who claimed they did not receive the dispute on XX/XX/22 also they tried to make a new dispute for XX/XX/22 attempting to cover up for their negligence in misplacing the original dispute letter therefore getting around the F.C.R.A. Section 611
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; Experian or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX  and XXXX -XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by Experian and XXXX - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Product: Money transfer, virtual currency, or money service

My account was permanently limited by Paypal, which is respectfully an unfair decision. The source of funds is XXXX, which is where I receive my pay. The funds were meant to pay my XXXX fees ( urgent ) as well as other bills. The account doesn't necessarily have to be unlimited. I contacted Paypal and they said that I should contact the offices in XXXX which are not available therefore I'm requesting for assistance from the headquarters. It is worth considering that the source of funds is also from the United States of America ( XXXX ). Please assist a dire situation. Thank you for understanding.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative Bankruptcy on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a Bankruptcy that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this Bankruptcy account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX  XXXX Bankruptcy Reference # : XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Vehicle loan or lease

In XX/XX/XXXX, I was contacted by email by the company Credit Acceptance regarding a vehicle purchase from their dealership in Arizona. I responded to the email with inquiry as to how a vehicle was purchased in my name when I don't possess a driver 's license and have never been to the state of Arizona. 
I was sent a packet with the loan details inside with address on the contract as : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX. The seller information as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Arkansas XXXX. The information on the vehicle as : Used XXXX XXXX XXXX XXXX XXXX - Color ( White ) - VIN - XXXX - Odometer Reading - XXXX. 
The company also sent a fraud packet for me to complete however they need me to provide my identification card and social security card copies because the account could not be pulled up on the automated system by my social security number. Also, the person whose name is on all of the documentation no longer works for the company.
Product: Credit card or prepaid card

I have 2 accounts with comenity bank. XXXX XXXX XXXX and XXXX XXXX XXXX card. My credit limit was decreased on both cards causing me to be just a few dollars away from the new credit limit. Also in result of this my credit score was affected tremendously. I have made all my payments on time with this company and they had no valid reason to decrease my credit limit without proper notice. I also sent them a certified letter asking them to give me more details and I have not heard back from them at all. I called the customer service and the representative stated that I had a drop in my credit report. I told her that my credit score has increase over XXXX points in the last 6 months and her claims were false. I believe this was a malicious attempt to ruin my credit. I want answers and them to be fined for this action.
Product: Debt collection

I went to school put XXXX dollar down on XXXX school financing made payments weekly of XXXX XXXX and was almost done couldnt paying and lost my job now the debt collection come bought the XXXX and changed the amount and reported to credit bureau as you can see I never owed XXXX dollars I only about XXXX at the most .this has been a debt keeping me from getting thing done in life I dont owe I need it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report. XXXX, XXXX, EQUIFAX is out of pocket! please fix.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

Recently I noticed my credit score went from an XXXX to XXXX. I checked my credit report and say an unpaid debt that was in excess of {$2200.00}. When I clicked deeper in to the file it appears to be a debt collector on behalf of XXXX XXXX XXXX. I do not nor have I ever used XXXX XXXX XXXX for any of my business or communications. I did not originate this debt. Last year I faced a similar problem with the same issues ( XXXX XXXX XXXX collection ) I filed a police report in XXXX XXXX Georgia. I was eventually told that the case had been closed and my credit was restored. This charge may be the same company trying again to collect as it appears the charge hit my report on XX/XX/2023. The current collection agency name that appears on my credit report is " Credence Resource Mana '' and the charge is {$2200.00}.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$6800.00}.
Product: Credit card or prepaid card

To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Case # XXXX Capital One is asking that Customer provide this # 8 of 10 pieces of documentation to support Customers complaint that Merchant delivered defective services to Customer. 
# 8. A 2nd opinion on company letterhead from another merchant in the same field that states how the service was defective : Customer responded to Capital one as follows : a. Item # 8 is unusual request i. A 2nd opinion on company letterhead will require additional time and money than the short fuse Capital One offered.

ii. Customer has requested the Consumer Financial Protection Bureau weigh in on whether item # 8 is reasonable or burdensome and not relevant as it basically requires one professional to rat out another. 
iii. Furthermore, Capital One has a General Counsels office. Capital One, XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX Attn : Mr. XXXX XXXX XXXX, General Counsel Capital One has received now two ( 2 ) packages from Customer with supporting documentation.