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

I am requesting the deletion of an inaccurate and duplicate account on my consumer credit report. After reviewing my credit report, I am NOT responsible for this duplicate and inaccurate account.

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. It has been 30 days, and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. 


15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates. 

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the duplicate account listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of this account listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove the unverified, invalid, and derogatory account from my consumer report. 

The consumer report that was prepared under my social security number is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act.

Ive listed the following duplicate inaccurate information below from my Consumer Report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of XXXX  ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

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

I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for anyXXXX purpose.
Product: Credit reporting or other personal consumer reports

I had a car I have it back made payment on it but they never owned the car. But before I found this out I had already have it back but I returned the car it was auctioned off but they still reported late payments on my credit when I didnt even have the car anymore.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES LLC sent notice to my employer to garnish my wages starting XX/XX/XXXX. I Filed a Claim of Exemption Form and received ORDER granting exemption and dissolving writ of garnishment due to Defendant Claim of Exemption, on XX/XX/XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC has sent notice to my employer again to garnish my wages starting XX/XX/XXXX. I have since filed another Claim of Exemption Form on XX/XX/XXXX. 

I do not know of this debt or the original creditor if there is one. All court documents list is PORTFOLIO RECOVERY ASSOCIATES LLC as the Plantiff and/or JUDGEMENT CREDITOR. I have not ever received credit, products or services from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$9200.00}
Product: Credit card

A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.
Product: Mortgage

I have a XXXX and XXXX mortgage with Citi Bank. Citi did modify my XXXX mortgage but the department that handles the XXXX has been asking for the same document over and over again since XX/XX/XXXX 
I do and have sent what is required but they say the do n't understand how to read it. Once they received all of the appropriate paperwork I have received a paper stating that all papers were collected and application was compete and I would know decision by XX/XX/XXXX or XX/XX/XXXX, than that date passed, than XXXX for XX/XX/XXXX that passed, than XX/XX/XXXX and that passed. Here is XX/XX/XXXX and they still do n't have a decision yet. During this time I received a letter stating I had a new specialist assigned. Who is never available during regular business hours. I receive calls from Citi at night while I am working and have discussed this with my specialist that I work nights. If I am able to answer they hand up. I am again getting to the point where all my paperwork will be outdated so I will have to go through the whole process again from the beginning for the 3rd time. 
XXXX
Product: Debt collection

We are receiving collection letters from a collection agency AAA Collection Inc. We have already made payments to the original hospital. We informed the collection agency in writing on two separate occations and they have not responded in writing other then the collection notices. We consider this to be harassment and a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt and Illegal Reporting Practices To : Consumer Financial Protection Bureau ( CFPB ) Complaint Filed By : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Details of Complaint : I am filing this complaint against Velocity Investments LLC for their failure to comply with federal laws governing debt validation and credit reporting. 

Background : The account in question originated with XXXX XXXX ( Account XXXX : # XXXX ). XXXX XXXX has been reporting a charged-off debt on my credit reports even after selling the account to Velocity Investments . 
XXXX never provided me with any debt validation documentation before transferring the account to Velocity Investments. I had sent a debt validation request to XXXX, which was not acknowledged or responded to. 
Velocity Investments has also not contacted me to validate this debt nor provided any notice of their legal right to collect in my state of Illinois. 

Legal Concerns : 1. Failure to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

2. Incorrect credit reporting by both XXXX XXXX and Velocity Investments. The account continues to be reported by XXXX, despite its transfer to Velocity Investments.

3. Lack of a 1099-C form issued for the charge-off, which is required if the debt is considered canceled or forgiven. 

Supporting Documents : Credit report screenshots showing XXXX XXXX continued reporting of the account as a charge-off. 
Arbitration agreement from XXXX XXXX indicating my right to arbitration for disputes. 

Thank you for your immediate attention to this matter. 

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

I'm completely stressed out from false information that continues to be reported to my credit report by XXXX XXXX, and TransUnion! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!
Product: Credit reporting or other personal consumer reports

Account reflecting inaccurate information for payment history account by XXXX XXXX. Sent dispute letters to Experian, Equifax and trans union asking for debt to be removed since it is reporting inaccurate information. Responses from credit bureaus stating the information was reporting correctly.
Product: Debt collection

When monitoring my credit I noticed that a new collections was put on to my credit report. The Collection Agencies name is Vance and Huffman LLC in the amount of {$4600.00}. The original creditor was XXXX XXXX XXXX. This debt was found not to be mine and a result of fraudulent action. This debt was owned by a different collection agency and was removed from my credit report because it was not mine and now this new collection agency has wrongfully put it on my credit report. This is not my debt and needs to be removed from all three of my credit reports ASAP. This collection agency is in the wrong and needs to remove this collections from my credit report.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and I do not recognize the accounts on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error.
XXXX XXXX XXXX, Opened XXXX XXXX, 2016
Product: Debt collection

XX/XX/2021, I signed up for XXXX XXXX, but learned the service would not work in my area. I immediately cancelled. The phones came and I returned them unopened. They didn't reimburse me the {$98.00} for XXXX that was promised. I received a bill from them dated XX/XX/2021 for {$220.00}, but when I tried to call the # XXXX, they couldn't talk to me because I didn't know a phone # and pin #. I received a phone call from Convergent Outsourcing XXXX stating the mini-Miranda and asking me to pay {$220.00} for XXXX. I told XXXX XXXX the story and she transferred me to XXXX where again I could not talk to anyone. I called Convergent XXXX and asked for a supervisor, who ( XXXX XXXX ) again quoted the XXXX. I told her my story. She said she will have XXXX call me, and also said they had auto drafted {$98.00} om XXXX and XXXX, meaning they now owe me about {$300.00}. They called, and said they needed to transfer me, but nobody answered the phone. I called Convergent and asked for the manager, and got XXXX XXXX again, who quoted the XXXX XXXX. She stated they are just pre-collecting and I have to straighten it out with XXXX. If it is pre-collections why are they calling in attempt to collect a debt. Why is the same person posing as supervisor and manager. Why won't they resolve a dispute.
Product: Credit reporting or other personal consumer reports

In pursuit of my consumer report my rights has been violated against the cod 15 US 1681 where I did not provide written consent or permission for my consumer report to be ran throughout the numerous companies listed in this report, I am asking for what is fair which is to remove all inquiries from my report within 4 business or I will be forced to pursue legal actions.
Product: Money transfer, virtual currency, or money service

I was scammed and contacted the bank with all info, including reports, account name and details and the bank did nothing to reverse transaction, or press charges to the account holder even though they had all information, police, ftc, fbi, cfpa. Reports. The bank aloud a criminal to steel my money, a wire of $ XXXX to the account of XXXX XXXX. At XXXX XXXX XXXX., They could of returned my money and instead ignored me and criminal activity.. I am a victim and have been discriminated against by the duty of the bank not doing thier job, I will not stop till I get my money back, the banks need to be held accountable for taking no action to reverse my money.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 at XXXX {$7000.00} was transferred from my cash app to what I thought was my debit card, the ONLY bank I thought was linked but some how 2 hours before the money went through a XXXX bank account was linked to my cash app without my knowledge and cash app refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Capital One XXXX XXXX checking account. During the government shutdown Capital One attempted to make some " back end changes '' to mine and others accounts. In the process their 2-step verification system was broken. Since this time, I have been  unable to login to my business checking account. They stated the issue would be solved over by XX/XX/XXXX and I'm still unable to access my account from the web due to the 2-step verification issue. Please assist me and others in getting Capital One to resolve their issues.
Product: Money transfer, virtual currency, or money service

We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX XXXX XXXX XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at Chase Bank. Their bank is XXXX. The wire wasnt sent until Friday the XXXX. The wire has been sitting at Chase Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says Chase emailed the wrong dept. it has sat at Chase for almost 2 weeks now. I have called them many many times. I contacted XXXX XXXX for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!
Product: Student loan

I have long been in the REPAYE plan, now the SAVE plan and was issued a letter from MOHELA when the injunction was placed surrounding the operations of the SAVE plan. This letter stated with specificity that my loans were being placed into an administrative forbearance as litigation continued and during this time until resolution was reached, there would be no payments owed and interest rates would be set to 0 % ( no accruing interest during this time ). My MOHELA account summary reflected that.

However, this week I was notified by my credit monitoring vendor that my total loan status had increased by several thousand dollars in interest on my loans, yet I have no current repayment plan through SAVE as it continues to be litigated. 
MOHELA account still shows my owed payments as {$0.00} but the interest rates of 0 % have been changed. 
The core tenet of the SAVE plan was a monthly payment one could afford and if paid monthly it waived the remainder of accrued interest. I have no way to pay thousands of dollars in interest to keep up with this and this is not what the lender indicated would be the situation. My credit is now falling and this is unacceptable. 

I would like a resolution of this and reinstated 0 % interest as outlined in the document from MOHELA for this administrative forbearance litigation period and I want any accrued interest in this period that is now showing waived so as not to continue to damage my credit rating.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Equifax was hacked, exposing my PII. They failed to disclose this hack until more than a month after it was detected, exposing me and millions of other consumers to the very real danger of identity theft.