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

Portfolio Recovery Associates is inaccurately reporting a closed collection account on my XXXX credit report. They illegally re-aged the account by listing the " Date Opened '' as XX/XX/XXXX, when the true Date of First Delinquency ( DOFD ) is XX/XX/XXXX. 

Under FCRA 605 ( c ), re-aging a debt is illegal because it makes the debt appear newer than it is, extending its time on my credit report beyond the legal reporting period. 

I disputed this account with XXXX, and they responded by saying the account was " verified. '' However, they have failed to provide the legally required Method of Verification ( MOV ) under FCRA 611.

Additionally, this account is missing key details such as the " Purchased From '' and " Sold To '' fields, making the reporting incomplete and inaccurate under FCRA 1681s-2.

Despite my repeated disputes, Portfolio Recovery Associates continues to report incorrect information, negatively impacting my credit score.

I requested validation of this debt under FDCPA 809, asking for : A copy of the original signed agreement with XXXX XXXX proving I agreed to this debt. 
A full breakdown of the balance, including principal, interest, and fees. 
Proof that Portfolio Recovery Associates has the legal right to collect this debt, including a proper chain of assignment. 
Portfolio Recovery Associates has failed to provide this documentation, yet they continue to report the account, which violates both the FCRA and FDCPA. 

This account is being reported inaccurately and should be removed immediately.
Product: Vehicle loan or lease

Issue Summary : In approximately XX/XX/XXXX, I applied for an auto loan with Westlake Finanancial Due to an erroneous negative mark on my credit report, I was given a high interest rate of 17.8 % on a {$9100.00} loan for 48 months. Approximately 1 month ago, I discovered this error and had it corrected with the credit bureaus. 

I have contacted the bank to request an adjustment to my interest rate, given that the original rate was based on inaccurate information.and escalated to a third level manager, where I sat on hold for over an hour. I requested a call back, and no one called me back. The bank has refused to adjust my rate, stating they " don't do refinancing '' and that I need to refinance through another bank. 

My Efforts to Resolve : On XX/XX/XXXX, I called the bank 's customer service and explained the situation. The representative refused to help. On the same day, I escalated to a supervisor who also declined to assist. On the same day, I escalated to a third-level supervisor at the bank. I sat on hold for over an hour, and eventually requested a call back, and I have not received a call back. In each conversation, I explained this is not a refinancing request, but a correction based on erroneous information. I offered to provide documentation of the credit report error and its correction. Despite these efforts, the bank refuses to review or adjust my rate. 

Desired Resolution : 1. For the bank to review my current, accurate credit information.

2. To have my interest rate adjusted to reflect my true creditworthiness, potentially saving me approximately {$3400.00} over the life of the loan ( if the rate were adjusted to 6 % ). I would like access interest paid to this point to be credited to my account ( {$1200.00} extra at 17.8 % to a normalized 6 % ) I believe this situation is unfair as I am being penalized for an error that was not my fault. I am seeking the CFPB 's assistance in resolving this matter and ensuring fair treatment based on accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 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
Product: Credit card or prepaid card

I purchased a bed from Mattress Firm XX/XX/XXXX, financed on a promotional 24 months interest free through Synchrony XXXX. I have made monthly payments of {$200.00} every month since then. In XX/XX/XXXX or XXXX I was informed that charge was made to my account and a bed was scheduled to be delivered in Texas. I live in California. I told them it was not my charge. They said that they would take care of it, that the account would be closed but to keep paying on my original purchase. 
I didn't even realize until recently that I had not been getting statements. My payments were made automatically through B of A 's bill pay system. Last evening I decided to try and find out if I had in fact paid off my account. I called Synchrony, spoke with at least 4 different individuals all who said I had a balance over {$25000.00}. I explained that i did not make any purchases beyond the initial one. They tried to transfer me a fifth time but I was cut off. 
following the call I went through my files and found an old statement from XX/XX/XXXX which showed a balance of {$1300.00}. As I have paid {$200.00} a month until last evening when I cancelled all future payments, I calculate that Synchrony owes me {$1400.00}. I am now making this claim and sending a leter to them as well. But as they would not listen to me last evening I don't have any hopes that they will return my money.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received my stimulus check in the amount of {$1700.00}. Given I had a negative balance of {$250.00} in my golden 1 bank account already, I was expecting them to take out money owed when I received my stimulus check in which they did. Supposedly on XX/XX/XXXX they redeposited that {$250.00} back into my checking account because they wanted to help their customers get their full stimulus check. I never signed up for that action for them to redeposit {$250.00}. I knew I owed that, so I was expecting them to take that out. Now, I owe them {$250.00} again. I feel like that was a scam/fraud move, a potential gain for their business given this epidemic. I paid a debt already and they gave it back to me unknowingly and when I check my account I see I have a negative balance again of {$250.00} when I never opted in to receive my full stimulus check knowing I had a negative balance of {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XX/XX/XXXX The Manager XXXX states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American XXXX XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed  contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Product: Credit reporting or other personal consumer reports

I am sending this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Checking or savings account

XXXX XXXX XXXX was reportedly closed on XXXX XXXX 2023, which held {$520.00}. I received no communication ( email or internal messaging ) regarding this. Ally reported that money has been sent to my state treasury ( PA ). However, I have check the unclaimed funds multiple times and as of XXXX XX/XX/2023, there has been no funds related to my name on PA Unclaimed Property ( https : //www.patreasury.gov/unclaimed-property ). I contacted them to find out about account ( did not know at the time it was closed ) and subsequently contacted them to found out about the funds to no avail.
Product: Debt collection

To Whom It May Concern : On XX/XX/2021 I received a letter from Credit Systems of the Fox Valley, sent in response to my Debt Validation Request Letter. I received my confidential medical records, which is a clear violation of HIPAA, as I have never given authorization for any release of confidential medical information to Credit Systems of the Fox Valley.

I will be sending them a notice, via certified mail, to remove the debts associated with this HIPAA violation, but it is also my duty, as a responsible citizen, to report such a violation to you.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX  - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not believe this debt is valid. Asking for forward flow agreement and chain of assignment.
Product: Debt collection

Hi, I have a debt collection reporting on my XXXX consumer report, thats inaccurateXXXX and XXXX both removed this assount.The company is ALDOUS, account number XXXX have no knowledge of this company and its alleged debt.Ive never received any notification in the mail regarding this company and its alleged debt. Ive never heard or did business of any sort with this company.Ive never gave them permission to have my personal information or report anything on my consumer report.I ask that you investigate this matter and remove it from my consumer report immediately, its affecting my livelihood. Can you please ask this company to provide proof of this alleged debt and also provide proof that they followed proper procedure in notifying me of this debt via certified mail. If they cant provide proof, I ask that you remove it from my consumer report.Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX DAYS to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX and XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully conveying this complaint against Experian for improperly reporting inadequate and or incorrect information on my credit files that in turn violate the Fair Credit Reporting Act, violate my rights to privacy and violate due process of Federal law. It should be known that at present time Experian is reporting names or AKA 'S that are not related to me and nor do I have any interest in them. I filed a dispute and it was denied. Said names on my credit report are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never personally used any of these names as my own and nor have I ever used them as any AKS 'S as Experian has them down as. Nor are they any legal names of mine and nor have I ever received any mail in any of these names and I have never had any credit lines or open accounts in any of these names.
Product: Bank account or service

On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.
Product: Credit reporting or other personal consumer reports

I agreed to a payment plan amidst evacuating my apartment due to a fire which was not my fault. The next day, when I called in to apple card support to ensure my payment was taken from my account to honor the payment program which we had discussed at great length and which i verbally contracted/ agreed to, my account was wrongfully closed, stating that I was not properly read a vital disclaimer which would guarantee the payment program. That is not my fault. I had agreed to the plan, then the call was done. They are saying otherwise. My credit is wrongfully damaged from this incident. I need this fixed now. I have already filed dispute with experian, to no avail. It seems nobody is willing to help me here, so I am about to file suit against the responsible parties should this go unresolved, this is a violation of the fair debt collection practices.
Product: Credit reporting or other personal consumer reports

I

hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepan cies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. However, to my dismay, these disputes have not been duly noted as required by law. Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Product: Credit reporting or other personal consumer reports

For the nth time, I'm here again disputing the same account. How many times do I have to do the same thing before they do their job? The issue is with a XXXX XXXX XXXXXXXX account that Experian falsely reports as " CURRENT, WAS PAST DUE 30 DAYS, '' while both XXXX and XXXX correctly report it as " PAID OR PAYING AS AGREED. '' Even in Experians own records, the payment history clearly shows an OK status for every single monthso why are they making up a delinquency that does not exist? This is not an accident. This is willful misconduct. Experians refusal to correct this false reporting is destroying my creditworthiness, creating unnecessary financial obstacles, and causing extreme stress. Under 15 USC 1681e ( b ), credit reporting agencies are legally required to ensure maximum possible accuracy. Under 15 USC 1681i ( a ), they are REQUIRED to conduct a reasonable reinvestigation when a consumer disputes an item. They have done NEITHER. At this point, Experian is knowingly violating federal law and acting in bad faith. Under 15 USC 1681n and 1681o, they are fully liable for statutory damages of up to {$1000.00} per violation, PLUS additional compensation for actual and punitive damages. Given how many times I have disputed this, those violations are stacking up FAST.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX XXXX XXXX Onemain XXXX XXXX Onemain XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my credit report and am submitting this complaint regarding Midland Credit Management for their violations of consumer rights. Notably, Midland Credit Management has engaged in unlawful debt collection practices, similar to those established in cases such as XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX ), where the company was found to have violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in deceptive practices, and La XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX ( E.D.N.Y. XXXX ), which highlights their repeated disregard for consumer protections. These precedents further emphasize their pattern of misconduct. 

Upon reviewing my credit report, I discovered that Midland Credit Management has placed an account XXXX related to XXXX XXXXXXXX on my credit report without verification that it belongs to me. I have not received any prior notice or an opportunity to dispute this alleged debt, which is a clear violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This action constitutes harassment, defamation of my character, and a blatant violation of my consumer rights. Furthermore, the unauthorized placement of this account on my credit report has resulted in undue harm to my reputation and financial standing. Midland Credit Management, in their attempt to collect on behalf of XXXX XXXX, has further infringed upon my rights by improperly accessing and sharing my private information. 

Midland Credit Management has violated the following FDCPA provisions : 15 U.S.C

. 1692e : Prohibits false or misleading representations, which Midland Credit Management has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes the improper sharing of my personal information.

I demand that this account be immediately removed from my credit report and returned to the original creditor. The continued reporting and collection of this unverified debt must cease immediately. Additionally, I request a prompt investigation into this matter and expect confirmation of corrective action within 15 days. 

This is not an opportunity to validate this debt. Under federal law, this debt should have been verified prior to its communication with my credit report. Should Midland Credit Management fail to address these issues, I will pursue further legal and regulatory actions to protect my right