23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1-Date reported XX/XX/XXXX amount is {$8200.00} XXXX XXXX XXXX- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My XXXX  said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} XXXX  XXXX XXXX showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} Chase Card showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- XXXX XXXX- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 5- XXXX XXXX - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 6-XXXX XXXX- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX  said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy XXXX and paid my dues this is not fair these are illegally reporting on my credit report please help.
Product: Debt collection

Attention Creditor : I am responding to your contact about collecting a debt. You contacted me by phone/mail, on XXXX XXXX2024 and identified the debt as debt I owe to XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. I am disputing ALL OR PART OF THE DEBT. 

First of all, I did not apply anything on XXXX or any of their own company. Second, I do not live in XXXX  or XXXX  or XXXX  and never in my life lived there. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX  a/s/o CACH LLC CC : XXXX XXXX XXXX XXXX XXXX, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX XXXX CACH LLC have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called XXXX XXXX XXXX XXXX XXXX and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use XXXX information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. 
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX XXXX CACH LLC must now provide me with proof of this debt for you to continue to collect this debt.
Product: Credit card or prepaid card

credit card XXXX XXXX pinnacle financial partners refuses to apply any over payment to principle amount after overpayment of regular payment has been made on this credit card. bank has sent me e-mails that any payment made must be split out to pay interest first and not applied to principle to principle directly. No matter how much overpayment is made. 

Pinnacle XXXX also did the same thing to me on XXXX XXXX XXXX No matter what the bank refuses to apply payments directly to principle. 
Both of these above accounts are compounded interest daily and it is against the law to not let me give additional money to reduce principle amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages ( XXXXXXXX XXXX  XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by the [ TransUnion ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly asked that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable with Legal Origanal documents, my identification, or signature.If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I requested that you rectify this discrepancy and inform the Trans union to delete this account from my credit report if it can not be accurately verified. In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA. 

However, XXXX  ( account # XXXX ) was unable to furnish what is required by the FDCPA instead they sent a bill dated XX/XX/year> which is not what was requested. The debt collector has proved that they are unable to verify the debt per FDCPA standards. Therefore it must be removed if you continue to report you are in FCRA violation for false reporting delete immediately upon the delivery of this letter. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I get denied for a Apple credit every time I try to apply. I spoke with someone last night XX/XX/20 about it I let them know that Im a victim of identity theft and XX/XX/XXXXwants me to try to get to a credit card to raise my credit score which is almost XXXX I just want to be able to get it raised. I dont need much financed thru Apple credit card just enough to prove I can pay what I owe if approved on time with no problems. Could you please help me
Product: Credit reporting or other personal consumer reports

I sent a validation of debt affidavit to XXXX XXXX XXXX and World Finance Corporation requesting that the closed debt be removed from credit report since the account is closed. 
The companies wrote the debts off and sold them to other companies. XXXX XXXX XXXX and World Finance Corporation did not send me a XXXX form showing the debts were written off on their records and tax receipts. I have not received a copy of the XXXX form. The companies are still reporting these debts/collections on my credit reports and need to be removed.
Product: Checking or savings account

I have over XXXX in a Marcus by Goldman Sachs savings account. Earlier this month I made a transfer to my bank and they would not allow it. I was given no notification and no explanation. When I called they said there was a hold on my account. I never placed this hold. They offered no information how it got there. After two different people made me wait on hold for over 15 minutes, they wanted to transfer me to another person. I am traveling and busy and can not be waiting on the phone for this incompetence. They refuse to help me unless I wait on the phone and it's not entirely clear that they are capable of fixing this mysterious problem. It is my money and they are holding it in their bank against my will. This can not be a fair practice and I am sure I have rights.
Product: Credit reporting or other personal consumer reports

To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted. 
- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly. 
- The consumer is then notified of the changes made. 

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation. 
- Detail the steps taken to verify the {$3900.00} debt amount. 
- Provide contact details for the furnisher of this debt information. 
- Report any updates or corrections made based on the investigation findings. 

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified. 
They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

am being reported for having negative credit or late payments for accounts that I no longer have I account has been closed there's no way that I can make a payment on an account that is closed I have no idea why all of a sudden I'm being reported for having a negative payment to an account that I don't even have access to anymore and has been closed since the beginning of last year XXXX i'm also having issues withbeing reported as having adverse credit I'd have no idea who is reporting me for adverse credit I think it's very unfair because I found bankruptcy in XXXX two years of six years ago seven years ago I'm sorry and there's all of a sudden an adverse credit that is being popped up every time that I try to file for credit I have no credit I have student loans that I have on my account and two collections that did not belong to me that I found respect disputes onI don't know why does adverse credit re being recorded and I wish that it would stop or at least give me an explanation of what is adverse on my credit report this has stopped me from being able to do a refinance on my house which ultimately foreclosed on it is stopped me from being able to get credit for my for student loans and I'm at the last year of my college my XXXX XXXX XXXX and I'm unable to find alone to pay for my education because of this this is stop me from being able to get credit in general and I have no credit I want to know why the agencies are reporting adverse credit I also want them to remove late payment fees for accounts and account one account that has been closed that I no longer have access to since XXXXandWhy is my credit score being dropped XXXX points when I have not had any credit also when I had to move from my house I was applying for credit to buy a camper and the same company that I applied for the camper for reported my credit five times There's five times with three different companies that ran my credit five times since on my inquiry report which lowers your credit score I don't think that's fair and I think that should be removed if it's being reported for the same thing such as a car or camper or a loan from the same company It should not be listed five times which raises your inquiry credit scoreThank also I believe that this type of credit report and is race related and that they purpose that you guys are purposely doing is to XXXX XXXX  people so that they may not be able to get received a credit or be able to get the credit that they deserve There's no reason why my credit score should be going down XXXX points when I have no accounts no bills that are that I have that are due to me and that I had to file bankruptcy because of identity theft which is known by the IRS social security and has been reported to you guys or should I be getting adverse let it sent to creditors when I apply I believe that this is targeted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 )  XXXX And XXXX {$750.00}, ( 2 ) XXXX XXXX Account Info. ( 3 ) Bankruptcy, ( 3 ) XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 )  XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Product: Credit reporting or other personal consumer reports

I was told by a company representative that he did even show me applying for said card
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Portfolio Recovery Associates LLC due to their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Portfolio Recovery Associates LLC via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was successfully delivered on XX/XX/XXXX. However, despite the confirmation of delivery, I have not received any response from Portfolio Recovery Associates LLC regarding my dispute. 

As per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as Portfolio Recovery Associates LLC are required to investigate consumer disputes within 30 days and provide a response. Portfolio Recovery Associates LLC 's failure to respond to my dispute within the mandated timeframe constitutes a violation of both the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!