23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates Inc unlawfully accessed my credit report, specifically XXXX, on XX/XX/21 without giving notification or receiving consent. I do not have a relationship with Portfolio Recovery Associates and never have. Accessing my credit or personal data is unlawful without consent and purpose under 15 USC and Consumer Law. 
My personal data has since been breached and I have been a victim of identity theft through bad debit purchases. A complaint with the FTC has also been filed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a XXXX XXXX that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Product: Debt collection

I am being charged {$600.00} from central financial control which is a debt collector for XXXX medical center. This debt and account is an authorized and my primary care physician is located in XXXX and this debt originated from XXXX.
Product: Credit card or prepaid card

I applied for the AAdvantage Citi bank credit card enticed with their XXXX miles offer if one meets terms. I proceeded to apply and then suggested my wife to apply as well. We both were approved and completed the minimum purchase required to get the XXXX sign up bonus, $ XXXX. However, neither received the promised benefit as it seems that we had the same card within their 48 month framework. However, they approved us for the card without mentioning anything about the previous card misleading us to believe that we are eligible for the promotion. It is unreasonable to expect someone to remember what card they opened 48 months ago. They had the info but did not tell us and kept quiet and let me use the card like a fool expecting a bonus. I complained but they feel that they did not do anything wrong or misleading, I beg to differ and any reasonable person seeing that would see the fraud Citi bank is perpetuating on unsuspecting customers. Other banks like XXXX or XXXX for example inform you that you had a card like that before and would not qualify for a bonus. They would INFORM me as is reasonable to expect and not mislead and scam me. If I were to use my other card for the same amount I spent with them I would have received {$300.00} in bonus payout, thanks to their deceptive practice I got nothing.
Product: Credit reporting or other personal consumer reports

Hi, my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Checking or savings account

Bank of America is denying my claim without proof from merchant, which violates EFTA and regulation E governing disputed transactions. During the dispute process, the merchant needs to provide proof the transaction belongs to the card holder. The bank claims the charge is mine due to a time delay in disputing the charge, which is there new excuse for not abiding by regulations. 

I called the claims department and was told I had to provide proof the transaction was unauthorized. I dont have proof because I dont have an account with the merchant.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX Account Name : XXXX Accountnumber [ XXXX ], has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropr

iate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. XXXX XXXX has not removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023
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 1681XXXXXXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 16815-2 ( 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 or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT LAW OFFICES XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting refuses to remove the paid/release lien attached below even though it is ineligible for reporting under the new, stricter reporting rules for judgments and liens ( social security number fully blacked out, no date of birth ). It has already been removed by XXXX and XXXX from their reports. The Equifax customer service agent I spoke to went so far as to claim that this was " misinformation spread to the masses '' ( her exact words ), and that such liens and judgments would not be removed. I have read reports from others on FICO 's official forums who were told the same thing by Equifax 's customer service people, so this seems to be an officewide issue.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed that Equifax has nonmailable addresses on my report. The following addresses need to be removed from my consumer report. Non-mailable Addresses : 1. XXXX XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given Equifax written and unwritten, verbal and non-verbal.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Consumer Loan

I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.
Product: Debt collection

XXXX XXXX 2020, and XXXX XXXX they say that I wrote bad checks. XXXX XXXX in the Amt. of {$41.00} and the Check on XX/XX/XXXX in the amt. of {$80.00}. I also called the creditor and they don't see any record of me writing the checks. The company that is trying to collect my money is TRS Recovery Services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX XXXX I made a payment via cashapp of {$20.00} for work that was done, as soon as I made the payment they shut the recipient cashapp account down. The recipient never received payment recipient is blocked & locked out of account so payment was not received. I requested my return and was denied for 14 months the sender XXXX XXXX along with recipient XXXX XXXX have been ignored, told repetitive tales, I don't have the money the recipient don't have the money and cashapp has expired the account and refuses to give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. FACTUAL DATA XXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. To this day its has been over 30 days later I have received a response yet. It has been 47 days to be exact. I feel like im being taken advantage of and being ignored of my disputes. This doesn't make any sense. I don't understand how this able to happen. this is very unfair. Please make it make sense to me. Just plain stupid.
Product: Credit card

I had no charges assigned to my Fortiva credit card and had no intention of ever using it again. I also closed my account. A few months later, in XX/XX/year> I started receiving bills from fortiva with an annual fee and a late charge. I asked the company what happened and they said I was being charged annual fee bc change of terms. I asked them to send me change of terms notice and discovered it in my spam email folder. The company said that I would have to pay and that I would not be reimbursed. I paid it with late fees and closed account
Product: Credit card

I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX - FRAUD! Not done by me. Disputed multiple times, dispute is done within a week stating its accurate. 
WRONG CREDIT SCORE pulled from Equifax multiple weeks in a row while APPLYING FOR A MORTGAGE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports.

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that Equifax has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that Equifax either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,