23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX  XXXX
Product: Credit card

In XXXX of 2023 I called the credit card company to inquire about any fees I would incur should I use my credit card during my upcoming trip to the XXXX. I was informed by the agent on the phone that I would not be charged any extra fees if I used my credit card internationally. Because of this information, I decided to use this card for all expenses on my trip to the XXXX in XX/XX/2023. When I received my bill, I was charged foreign currency fees in the amount of {$76.00}. I called the company several times to discuss my concerns, let them know that I was told by the agent in XXXX I would not incur any charges, and I attempted to come to a resolution. I was told to send a message to the credit card company outlining my dispute. In this message ( and during several phone calls after ) I requested a review of the conversation that took place between me and the agent in XXXX. 

I called today in an attempt to access these messages in order to support my complaint here, but was told by a representative in the dispute area that these messages couldn't be retrieved. The written correspondence between me and the credit card company has " disappeared ''. 

I paid the entire balance ( {$2600.00} ) of my legitimate charges in full and on time in XXXX. I did not pay the foreign fees, since I was told directly by the credit card company prior to the purchases that I would not incur any additional fees and I filed a dispute. 

Up until today, as far as I knew, based on the messages that I sent, a dispute was in process. 

When I called today to retrieve the written correspondence the agent said there was no dispute and I need to pay the current amount, {$190.00}. This amount includes interest and several late fees on the wrongful charge of {$76.00} back in XXXX. I again requested to have my phone conversation reviewed, but he said it " most likely wouldn't matter '' if he did that. 

In addition to the wrongful charges of {$76.00} in XXXX, I have now been charged an additional {$120.00} in interest and late fees on the wrongful charge. Also, my credit score dropped XXXX points as a result of the credit card company reporting on this issue. 

Today I offered to pay the initial charge of {$76.00} if the credit card company was willing to remove the late fees and interest charges and withdraw their report that took my XXXX score down XXXX points. They were unwilling to come to this compromise, which I believe was generous considering the initial charge was one I was directly told by the agent who works for the credit card company that I would not incur. 

I look forward to some resolution on this situation. The credit card company has been unreasonable and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems Experian and XXXX are still reporting the following fraudulent items on my credit reports : EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX   XXXX Acct # XXXX XXXX  FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX FRAUDULENT INQUIRIES AN XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.
Product: Student loan

Called XXXX XXXX XXXX XXXX. Received a letter telling me IDR forms were due by XX/XX/XXXX or payment in XX/XX/XXXX would increased. Called XX/XX/XXXX person on other line stated everything was fine for my student loan I even asked about the online form and they said everything was up to date. Checked XX/XX/XXXX I have a bill for XXXX because an application form was not submitted. When calling them lady on other line said she did not want to argue with me and what would you like to do? I asked for her supervisor and she stated if information was given incorrectly she apologizes but the forbearance had to be done.
Product: Debt collection

XX/XX/2019 - I noticed a supposed medical debt on my credit report. I called to ask for validation of the debt and inquired about a payment to delete. They lied about the FCRA and used abusive and obscene language. 

XXXX XXXX Collector XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Collection Department Superviso
Product: Credit reporting or other personal consumer reports

This complaint surrounds " XXXX 's '' in XXXX represented by XXXX of XXXX. I simply asked for a document specifying the date of payoff as XX/XX/2023 in the amount of {$590.00}. 

The aforementioned did comply, but the payoff information is still not updated on my credit report as paid in full. 

I simply want it updated ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital One XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I write the FCPB due to the malice and misconduct that I've had to endure for 3 months within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against, but one. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed.

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'Payment Received ' in my account negatively, and falsely, shows {$0.00}. The evidence shows this account has very genuinely and clearly received a balance adjustment that grew over the {$0.00} neglectfully published. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you XXXX : The 'Personal Information ' of my name, shows frivolous information that incorrectly publishes my name as XXXX XXXX XXXX '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my self Experian had placed 15 un authorized inquiries on my crdit report Reported inquiries without my written consent a violation under 15usc1681 ( a ) ( 4 ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion several times about this fraud inquires and they still have not deleted these inquires off my credit report. The other bureaus have deleted these inquiries asap upon me calling and letting them know that these inquiries are fraud or an attempt to do fraud. The agent was very nasty to me and wouldn't let me talk and explain what's going on. They said that the last CFPB complaint i submitted was fake. Transunion should be sued because they never do or attempt to follow the fair credit reporting act which it pertains to fraud on my credit report 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 reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX  Account # 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
Product: Debt collection

On XX/XX/2024 at XXXX I called to try to resolve a collection with midland funding. I was told I owe XXXX and its with a collection and any information will be used against me.i offered to settle the account I told The representative that I can afforded XXXX to settle account then he started yelling at me and threatened me that he will forward this to judgment where I could be arrested I repeated my self and asked him again what he meant he said it depend on your state but I could be arrested or have a judgment against me to garnish me wage or take legal action against me. Which in my understanding under the fair credit act they cant threatened me or make me feel intimidated. I am asking and reporting this unfair behavior and Im asking to remove this debt from my report I didnt know I had such a credit card with XXXX XXXX and I am not sure who used it or applied for it.
Product: Debt collection

Company failed to reply to reply in timely fashion to second request sent to them about proper validation of debt. Attached is a copy of first letter which company responded with paperwork with a signature that I never signed. Also I sent over a second letter that was written out on XX/XX/2020 that company failed to respond to within thirty days. If needed I will send the actual date certified letter was sent and received by company and never received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXXt account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXS Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Against XXXX XXXX XXXX - Resolution Requested To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding numerous instances of egregious billing practices and failure to adhere to consumer protection laws in the state of Illinois. Since XX/XX/XXXX until XX/XX/XXXX, I have been systematically charged exorbitant fees totaling {$6000.00}, which are demonstrably false and unsubstantiated. 

Furthermore, despite fulfilling all terms and conditions for an upgrade and trade-in of my device of the XXXX XXXX for the XXXX XXXX XXXX with XXXX XXXX, XXXX has failed to provide the appropriate compensation for the trade-in. This lack of compensation not only constitutes a breach of our contractual agreement but also reflects a blatant disregard for fair business practices. 

I wish to emphasize that I have upheld my end of the agreement as a conscientious consumer, and I expect XXXX to reciprocate in kind by promptly refunding the erroneously charged fees and compensating me for the trade-in as per our initial agreement. Additionally, I demand the immediate closure of my account with XXXX, as I no longer have faith in the company 's ability to conduct business ethically and transparently. 

It is my sincere hope that this matter can be resolved swiftly and amicably, but I am prepared to pursue further action, including legal recourse, if necessary, to ensure that justice is served. I trust that XXXX will take this complaint seriously and take appropriate measures to rectify the situation without further delay. 

Sincerely, XXXX XXXX
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 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 need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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: Debt collection

XX/XX/XXXX i received a text message with a payment plan i have asked them to notify me by written mail and they fail to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a XXXX XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX  has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Mortgage

My loan originated back in XX/XX/XXXX. It is an Adjustable Rate Mortgage ( ARM ). During these 13 years I have never been past due. My loan originated with XXXX XXXX XXXX, and transferred to SETERUS. 
On XX/XX/XXXX I applied for a modification/assistance so that it is not such a struggle. I am XXXX making {$1700.00} per month and my mortgage payment has been {$1000.00}. Since it is an ARM Loan the rate will adjust on XX/XX/XXXX bringing my PAYMENT TO XXXX XXXX monthly and my DTI to 68 %. The other reasons for a modification request is I am underwater -- value of Condominium is {$110000.00} and I owe {$130000.00}. So, there are three very valid points as to the need of a modification, LTV, DTI, and loan an ARM.

I was denied for the modification onXX/XX/XXXX just 7 days after submission and SETERUS stated it was because I am not past due. It is hard to believe I would have to fall behind on my payments and ruin my stellar credit score because of this rule. I AM NOT LATE SO THEY CAN NOT HELP ME. The loan also happens to be a XXXX XXXX loan -- is it really necessary to force be not to make my payment to get the assistance I need? Please HELP.
Product: Checking or savings account

on XX/XX/2023 i reported several fraud transactions after our bank account was hacked. there were XXXX e withdrawals, a large transfer and a cashiers check taken out at a local branch by someone who stole our account information and ultimately my identity. the transactions all took place within a matter of minutes. i immediately filed claimed with wells fargo for each of these fraudulent transactions. the e-withdrawals and transfer were resolved within a matter of days but the cashiers check case has been denied XXXX times. i have since filed a police report and provided ample proof that this was a case of fraud but the bank refuses to replace the missing funds. i am attaching the amount as well as the police case number. we bank with wells fargo. the amount taken was XXXX on XX/XX/2023 at approximately XXXX XXXX  at a branch in XXXX nc. the police case number is XXXX the detective assigned is XXXX XXXX and his contact is XXXX ( XXXX ) XXXX.
Product: Credit card

I purchased a slight large amount online for myself. I got a code sent to my phone after checking out and finalizing my order but it got declined. Shortly, received a text my account got flagged for fraud and need to call them. I called citibank right away and stayed on the line over XXXX minutes. In the end, they said they cant verify my account and need to wait XXXX days snail mail for verification code. I have to call them back again for the code. The inconvenient they put customers when they cant use their credit card because they can not verify us is horrendous. Now, we are left hanging and waiting. We got a credit card for a reason.