23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX  XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Credit Bureau Collection Services 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.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Credit Bureau Collection Services XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My criminal record for XXXX XXXX has been expunged since XX/XX/2018. Louisiana issued a Certificate of Compliance. for one XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Update your records because background check companies are still reporting I have a record.
Product: Credit reporting or other personal consumer reports

This company is reporting that I have an open collection stating that it was open XX/XX/2022. I have asked for proof that I agreed to any said account or proof that I am the owner but have not received any proof. This is a violation of the FCRA RULES AND IS ILLEGAL AS TO THE FACT THAT U CAN NOT REPORT A COLLECTION WITHOUT PROOF OF OWNER. This account does not belong to me and should be removed as to it is damaging my personal information.
Product: Mortgage

I would like to make a complaint against American Portfolio Mortgage for unlawfully creating a duplicate late charge after completing a payment. I have all email documentation that I have sent with no written responses from American Portfolion Mortgage. 

On XX/XX/XXXX, American Portfolio Mortgage was the active servicer who collected payment as well as a late charge and then a duplicate late charge. On XX/XX/XXXX I had made the payment in full of {$3400.00}, and confirmed verbally with customer service there would be a waiver of the late fee. This late fee was waived, and then another late fee was assessed as a duplicate late fee. 

After speaking with customer service again, they advised to send an email to waive a duplicate late fee. 
On XX/XX/XXXX I spoke with XXXX ( XXXX ), who had mentionedthere was a reversal of {$11.00} of the late fee but not the full amount, as stated by the other agent I spoke to in XXXX. The balance of the late fee of {$100.00}, is duplicative in error and a wrongful double charge of the late fee amount initially assessed. When I asked for clarification on what that represented, XXXX ( XXXX ) was unable to answer what this amount represented and said I will need to work with the new servicer ( XX/XX/XXXX ) for a late fee that American Portfolio Mortgage collected. 

Here 's the email sent on XX/XX/XXXX to affirm the duplicate late fee : I spoke to customer service, and they advised me to reach out to resolve the following issue. 

My bank missed an auto payment in XXXX, and I was unaware of the error until I received a letter from American Portfolio alerting me. Because of this, I was assessed a late fee of {$110.00}, which was waived during a customer service call on XX/XX/XXXX. During that call, I was advised to make a payment of {$3400.00} to settle the balance ( which I made the same day ), but before that payment was processed by American Portfolio, another late charge of {$110.00} was assessed. Because I made this payment in good faith after the customer service call, I am hoping it is possible to have duplicative fee this waived. Is this something you'd be able to assist with? Below is an accounting of my most recent payments for your reference. 

Details Posting Date Description Amount DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX
Product: Mortgage

we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them
Product: Vehicle loan or lease

I have tried to reach USAuto via phone. This number I have always called to make payments over the phone every two weeks since purchase on XX/XX/XXXX. That number is XXXX. Stock # XXXX. No answer. I received a call from a company named WestLake Management. They told me that US Auto has gone out of Business and they have bought all of their contracts. And you currently owe $ and how would you like to make that payment today. I told them I do not know anything about US Auto going out of Business at that time. And you taking over my car loan. I told them for a XXXX, the car should be paid for by now. Every two weeks and when I got paid three times in the month, they expected a payment or the car would be disabled unable to drive. I want to file this claim because US Auto failed to communicate, as of today XX/XX/XXXX anything relating to WestLake Management. I have not received any correspondence from WestLake in writing regarding Business to Business for my account. WestLake has verbally threatened to Reprossess my vehicle. I do not know the Legitimacy of this company. Could be a SCAM!!!
Product: Debt collection

I contacted XXXX XXXX, XXXX and was given a settlement amount to close my debt. I ensured they provided me a letter with all the channels the debt was through : XXXX XXXX XXXX - and the debt went to XXXX XXXX, XXXX  - and the debt was sold to Pollock & Rosen, P.A. 

These names as well as the settlement amount of {$3000.00} was in the letter. A check was mailed and once received I was provided a letter with the above names mentioned on it and that the debt was paid in full. 

I've then disputed the debt on my XXXX and XXXX reports with no problem, however, when I attempted to dispute with XXXX the debt collector has verified the debt to be valid and only updated it as the settlement amount was a payment.
Product: Debt collection

In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX   in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX  XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX  XXXX XXXX  credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. 

In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. 

Following my conversation with XXXX  and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Checking or savings account

Due to Covid 19 and not getting paid I did not use my checking account with XXXX XXXX XXXX  in XXXX Pennsylvania. They continued to charge {$15.00} maintenance fees resulting in the account going into overdraft. As I have had no income I could not resolve the {$27.00} overdraft before they closed the account and reported it to XXXX. 2 days after the account closed I received a payment due to me and cleared the negative balance caused by their monthly fees. I was then informed that they could not open a new account because THEIR record was in the XXXX  and I would have to wait 1 to 5 months for the report to be cleared. 

I went and spoke to the branch manager on XX/XX/XXXX and she told me that until XXXX clears the report their is nothing she can do. I asked about expediting the report of payment upon notification to XXXX and she said there is nothing she can do. 

In summary, their lack of clearing the report with XXXX  is preventing them reopening my old account OR opening a new one with any bank. This has caused my Stimulus payment to be returned to the government as well as unemployment. compensation.
Product: Credit card

I have hard inquiry in my credit report that i do not recognize, i have already contacted the bank with this inquiry and they do not have my personal information. And i would like this to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I learned that negative report information had been submitted by XXXX XXXX XXXX. Upon receipt of my Chexsystems report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from Chexsystems. I have never owed money to XXXX XXXX XXXX that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the XXXX   XXXX XXXX checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact XXXX XXXX XXXX and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a ChexSystems report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged debt purchaser Portfolio Recovery Associates , LLC still has not responded to my repeated requests for certified copies of the documents that prove PRA received an actual, legally enforceable and valid assignment of rights to establish ownership of my account from original creditor XXXXXXXX XXXX XXXXXXXX XXXX for account ending in XXXX, that meets the requirements under Ohio law. Specifically, I requested multiple times a certified copy of the Bill of Sale, Assignment of Rights for account ending XXXX and documents reflecting that PRA paid actual consideration for my account to the original creditor to consummate the sale. As I have never heard of PRA and have never had any dealings with them, I maintain I do not owe them anything. Until I receive certified copies of the documents referenced above, under Ohio law I believe the original creditor XXXXXXXX XXXX  remains the legal owner of my account. To date, PRA has only sent me unauthenticated copies of the original creditor 's pre-assignment monthly account statements, transaction and payment logs. These documents prove absolutely nothing in regards to PRA 's alleged status as a debt purchaser of my account, an alleged assignment of rights or PRA 's alleged real party in interest status for my account and the alleged debt. If PRA does not produce certified copies of the Bill of Sale, Assignment of Rights for my account and records confirming PRA 's payment of actual consideration that facilitated an alleged sale of my account within 30 days, I plan to file a lawsuit against PRA in Ohio small claims court for violation of the Ohio Consumer Sales Practices Act, which applies to alleged debt purchasers, among other consumer protection statutes. If such a lawsuit becomes necessary, I will request actual and nominal damages, as well as treble damages which the Ohio statute expressly authorizes.
Product: Credit reporting, credit repair services, 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. 


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 all 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 an 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: Debt collection

Multiple calls DAILY. I don't have a job, I don't collect unemployment, I have no freaking income and they have been told this and to STOP calling!!! Yet, they still continue daily from multiple numbers.
Product: Checking or savings account

We deposited a check with Citibank XX/XX/XXXX, and they put it in my Checking Plus account unauthorized. It was supposed to go into checking. We were released {$7100.00} on XX/XX/XXXX, and we were just released a letter stating that my credit line was reduced to {$300.00} from {$3000.00}, so they were not able to release the rest of the funds. Now, these funds were not intended to pay off loans, which I was paying every month. So, this was an unauthorized move by the bank. We need the {$3000.00} to pay our movers, and we have asked a relative to cover this, which they may not do. I would like compensation from the bank Citibank, to cover this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.