23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The specific charge/receipt of {$100.00} is not my charge or my purchase. I am not " XXXX '' and that was not my room number. I did not place this order " to go XXXX ''. I stayed in room XXXX, not XXXX. It's not my signature on 2nd receipt. Note, the stay hotel/motel offered me {$200.00} credit, as seen on page 2 of 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

At the time that the credit card was open, I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.
Product: Prepaid card

I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.
Product: Debt collection

THIS IS NOT A DUPLICATE. Re : Complaint No. XXXX The response given to the last complaint is not valid because PRA is still harrassing me. I sent in multiple cease and desist notices however, in each response they are continually going unregarded. This is a violation of the FEDERAL LAW. And it appears that this company is practicing racketeering. 

I have sent this company multiple cease and desist notices and one multiple occurences this company has failed to comply which is a violation of federal law! This company is conducting deceptive business practices and I, a federally protected consumer, am suffering due to them extorting me and falsely furnishing inaccurate information on my consumer report. 

Since XXXX, PORTFOLIO RECOVERY has been ruining my reputation. As a result of PORTFOLIO RECOVERY illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. 

Since XX/XX/XXXX, I have been XXXX  due to my consumer report ultimately being the cause of me not getting approved for the apartments I have applied to. This, in result, has caused me a great deal of stress and anxiety especially being a full time working mother that XXXX. The amount of added stress this has caused me has also caused my child to suffer due to me producing less XXXX XXXX to XXXX, per my medical doctors observation. PORTFOLIO RECOVERY has unlawfully broken several laws and I, the consumer, have been left to suffer. I cry myself to sleep every night hoping that my suffering in my life with a negative consumer report will soon be over one day soon. This issue has caused issues within my personal relationship with my partner and other family members as well. My parents and siblings have been approached and harassed at their own homes and recieved many harassing and threatening phone calls. These occurrences have left them feeling unsafe and threatened at their very own front door. These threatening and deceptive practices are causing arguments within my family and my personal life. 

The attached documents that PORTFOLIO RECOVERY submitted as a response to my original complaint do not show anything more than an application for credit. I do not see my wet signature on any of the documents provided. I also do not see where I am obligated to pay anything based off of the copy of the contract that was attached. I do see several discrepancies in this alleged contract which makes it NULL AND VOID. Pursuant to 15 USC 1605, the finance charge is defined as the sum of all charges. PORTFOLIO RECOVERY violated TILA. As a consumer, I am protected by the Truth In Lending Act that PORTFOLIO RECOVERY openly violated. 

This company is also in violation of the Gramm-Leach Bliley Act pursuant 15 USC 6801 . 

Please see the attached documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

I am a victim of identity theft. The fraudulent information information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file.
Product: Debt collection

I have been making payments on this bill once a month of various amounts. I thought as long as you were making payments of any sort that would keep it from going to collections. The following are the payments that I have made to this medical facility. 
Date of XXXX XXXX Visit at XXXX XXXX XXXX : XX/XX/XXXX Payments : XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$30.00} I can only pay a chunk at a time. This should not have been sent to collections, because they are receiving payments from me.
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 XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with BOA on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with BOA on XX/XX/XXXX. The closed account for BOA is still reporting negative on XXXX and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with BOA Mortgage back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX  assumed the loan, it reports from the beginning of the opened loan original date. BOA is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by BOA. They acquired the loan and the information and reports from history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX You are in Direct Violation of The Fair Credit Reporting Act Apple Card-GS Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX has violated several of my rights. 

18 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.8.C 1681 Section 804 A Section 2 : It also states a consumer reporting angency, can not furnish an account Without my written Instructions.

16 U.S.C 166EB : A creditor may not treat a payment an a credit card account under open end consumer credit plan as late for any purpose.

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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute the late payments during COVID-19 when I was laid off and unable to always make the full payment. There was an order in place that companies were not allowed to report negative because the impact of COVID. XXXX was able to work with me to make payment arrangements, but they are reporting me as late during those times. I mailed letters and the returned as " unable to deliver ''. I also called and they stated it was noting I could do but dispute it. I have a copy of the letter mailed and returned envelope and a image of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
Product: Credit card

I used my AAA credit card ( Comenity Bank ) on some large home renovations in XXXX in order to take advantage of a generous cash back promotion offered by the bank. My intention was to pay it off quickly but it is now clear to me they intentionally make it difficult to make payments in order to inflate their numbers and charge you interest. I attempted to make full payment, of slightly over {$10000.00} on approx XX/XX/XXXX. The bank refused to take my online transfer payment, with their customer service representative telling me that they could not accept a payment that large. They told me I would have to make two separate payments, which I did with them over the phone. However, they also told me they could only process one payment per day, but they assured me they would put the second payment through on the next business day. I assumed when I hung up that the payment was fully processed. On approx XX/XX/XXXX I went to use the card and the card was denied. When I called their customer service again, I was told they never verified my account number with me and the payment never actually went through. Customer service went back and listened to the recorded call in which I attempted fo make the full payment. After listening to the call, the supervisor apologized and agreed to waive the late fees because the bank had not processed my payment nor had they confirmed it went through before ending my call. She again told me they coulld only process it as two payments, she confirmed for me the first half of the payment went through and promised me she would do the second half the next day. On XX/XX/XXXX my card was again denied, even though I had made payment and was well under my credit limit. When I called, I was told my account was frozen due to non payment. A supervisor apologized again, promised me he would put the 2d payment through, but told me it would take 7 to 10 days for the bank transfer to be processed. They also told me in the future if I wanted to make a large payment I would have to ask for a supervisor. I plan to cancel this card. I have never dealt with a credit card company that intentionally makes it hard for someone to make a payment. While they lure customers in with generous cash back promises it is clear they dont want customers who pay their bills in full. Very, very sleazy.
Product: Debt collection

I requested validation of debt pursuant to XXXX XXXX XXXX. I received a letter and a bill, which is not an adequate response according to XXXX XXXX XXXX I am requesting all documentation required. I notified Lead BANK ( Capital one ) of the identity theft fraud and yet they still claim that the account is allegedly mine. I demand Remedy of the alleged debt being removed from all reporting agencies and invoice of Federally Protected Consumer rights violations being paid in full by check pursuant to XXXX XXXX XXXX. XXXX and Remove Account. 

Pursuant to Regulation XXXX of the CFPB XXXX XXXX ( Capital One ) is in Violation. I DEMAND they be held accountable. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, XXXX is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through Experian have resulted in the information continuing to appear in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/202XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XX/XX/2022
Product: Vehicle loan or lease

My car was repossessed after I had added someone to the account to take over the payments for me I was there with him when they took his information and it was agreed that he would bring the account up to date so it wouldnt be repossessed they were in agreement that he would be taking over payments it wasnt until after it was repossessed recently that I learned that he hadnt made any payments or brought the account up to date today I collected the mail and found a letter saying I had until the XXXX to set up payment arrangements or ask for. More time to pay Or it would be sold the letter also stated that before the XXXX So I called to extend the XX/XX/XXXX date and told them I would pay it in a week I just needed a few more days and they told me my car was sold XXXX days ago XXXX days before the cut off date the woman on the phone was flustered after she. Realized the mistake thats Been made in selling my car said she Was escalating the matter to management but it wouldnt be until XXXX that they would contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope the following disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX