23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.
Product: Debt collection

Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Debt Validation Request for Account # XXXX Dear Portfolio Recovery Associates LLC, I am writing to formally dispute the validity of the debt you claim I owe. This letter also serves as a renewed request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To properly validate this debt, I am requesting the following specific documentation, which will demonstrate your legal right to collect and the accuracy of the amount you claim : 1. Proof of Ownership and Chain of Assignments Documentation showing the complete chain of assignments or transfers of this account from the original creditor ( XXXX  XXXX ) to Portfolio Recovery Associates, including : The forward flow agreement or bill of sale outlining the terms of the transfer. 
A copy of all intermediary assignments and transfer dates to establish the legitimacy and continuity of ownership. 

2. Documentation of the Original Account A copy of the original agreement or contract signed by me with XXXX XXXX that legally establishes my responsibility for the debt. 
Itemized statements from the original creditor showing how the alleged balance of {$700.00} was calculated, including any interest, fees, or charges added to the original balance. 

3. State Licensing Information Proof that your organization is licensed to collect debts in the state of Illinois, including your Illinois Collection Agency License number and its validity. 

4. Regulatory Compliance Evidence supporting the claims made in your response to my BBB complaint, specifically : Verification of the investigated and resolved disputes you referred to. 
Documentation proving you verified the accuracy and integrity of information furnished to credit reporting agencies. 

Important Notices Until the requested validation is provided, I request that you immediately : Cease all collection activity on this account. 
Refrain from reporting this account to any credit reporting agency, or, if already reported, remove it from all credit reports. 
Any attempt to collect on this account without providing proper validation will be viewed as a violation of the FDCPA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General. 

This letter is not a refusal to pay but a request for validation as required by law. I expect your written response within 30 days of receipt of this letter. Failure to respond appropriately will confirm that this debt is invalid and unenforceable. 

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

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security number is not listed on Experian and I have address on file thats not mine!
Product: Prepaid card

I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This list below are iquiries that was made without my consent using my personal information with means of getting credit. This is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries that I did not authorize. They refuse to delete them from Transunion. They keep saying that they were validated BUT WILL NOT SHOW ME any proof
Product: Credit reporting or other personal consumer reports

ATTN : Experian I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681 b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau.

Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction.

Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Product: Student loan

I made a payment in 2023 on their website using their online bill pay. The payment took over a week to post then a few days after being posted it was returned and I received a late fee. I was able to get the late fee removed and remade the payment over the phone. I was then told the issue was fixed. I made my next payment online using their online bill pay website and the payment was taken. I was then notified a few weeks later that I missed a payment and was past due. After checking my account, I found that my payment had only been applied to one loan and not dispersed evenly across all of them. I called to get this fixed and was told it was a known issue. It was still not fixed by the time my next payment was due so I called to get an update. I was told that it is still in the queue to be fixed and to not make another payment until it was fixed. After another month it was still not fixed and was told the same thing after calling in. Over the next year, I called in roughly ten times and was told various things ranging from it is being escalated to a higher service team to they had no record of any time I had called in previously. I I refuse to pay any interest gained during this period as I feel that they are actively stinging me along to increase the amount of interest I will have to pay.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed 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 XXXXXX/XX/XXXX I have attached a copy of the formal complaint submitted to the Federal Trade Commission ( FTC ) to further support this claim. This document highlights the absence of my authorization for these inquiries and underscores the insufficient response provided by the credit bureau, reinforcing my request for the immediate removal of these unauthorized inquiries from my credit report. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX.
Product: Checking or savings account

Lost debit card, went to bank & asked to close card. No charges against account at that time. Got new card. 3 days later get od notice on acct. Went to bank & said XXXX charges not by me totalling {$1200.00}. Told to wait until they clear. Came back 3 days later & they were busy Next day submitted by bank officer as dispute instead of fraud. Gave me temporary credit which they took away 2 weeks later. It is my ssa I pay bills with. It was & is a fraud. Management at XXXX XXXX TD Bank are incompetent.
Product: Debt collection

I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when  the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.
Product: Debt collection

I have started since more than 30 days ago to get the   XXXX   credit reporting agencies  XXXX .. XXXX  AND  XXXX  to up dated their records regarding to certain accounts. and collections listed as paided and showing that they are.. and to this day they are not correct..
.. COAST TO COAST FINANCIAL.. PAIDED IN FULL..2.  XXXX   XXXX   XXXX  /CREDIT CARD..INCORRECT BALANCE.. XXXX  ... 3 ...   XXXX   XXXX   XXXX  .NOT PAST DUE INCORRECT BALANCE.4.  XXXX   XXXX   CREDIT CARD..INCORRECT BALANCE.4   XXXX   XXXX   XXXX   .. INCORRECT BALANCE. 5. S  XXXX   XXXX   PAIDED IN FULL..
Product: Credit reporting or other personal consumer reports

I am locked out of Equifax because I forgot my password and it is absolutely impossible to get anyone on the phone, and it won't let me click forgot password it just tells me to call them. There is no way to virtually contact them. I have no way to unfreeze this report and apply for a credit card or anything else for that matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXDate Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on XXXX different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is XXXX of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Product: Bank account or service

I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. 

Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! 

SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX XXXX '' and the Credit Reporting Agencies ( CRAs ) XXXX and Equifax regarding their unacceptable credit reporting practices. Despite my account with XXXX XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected.

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX  XXXX XXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. They are reporting 60 days late when i was never 30 days late. Ive attached a copy of my report to this complaint on the following dates, ( XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX, XXXX You are in an Violation of The Fair Credit Reporting Act ( account number XXXX & midland credit management XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

Remove these late payment and update this account immediately as you are in direct vlolation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Dear Equifax, Upon reviewing my credit report, I have identified several errors that I would like to bring to your attention. 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. Please fully investigate the errors below because as I know under my consumer report those accounts are not supposed to report in this way. I request to immediately be removed before legal action is taken. 
XXXX. XXXX XXXX ( date assigned XX/XX/XXXX date reported XX/XX/XXXX ), has violated my rights. 

XXXX. XXXX XXXX XXXX ( date assigned XX/XX/XXXX date reported XX/XX/XXXX ), has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX ( date assigned XX/XX/XXXX date reported XX/XX/XXXX ), has violated my rights. 
XXXX XXXX XXXX XXXX XXXX date assigned XX/XX/XXXX date reported XX/XX/XXXX ), has violated my rights. 

Please remove from my credit report immediately 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 Equifax has not responded or complied.
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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : 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.