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

I disagree with the reporting of the collection accounts listed below, which persist on my credit report despite your previous investigation. I request an immediate re-investigation of these items as their inaccuracies severely impact my credit score.

Per the Fair Credit Reporting Act ( FCRA ) ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, please provide me with the names and business addresses of each individual with whom you verified and validated the information. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Collections : XXXX XXXX Account # : XXXX Collections : XXXX XXXX XXXX Account # : XXXX According to the FDCPA 15 USC 1692g, the agency was required to notify me in writing within 5 days of the debt being placed on my report, which did not happen. As the original creditor, only I can validate this debt, and I do not validate it.
Product: Mortgage

I've been trying to get the PMI on my loan removed by XXXX XXXX XXXX to no avail. The company ordered an appraisal for a refinancing but refuses to use that value of the property from that appraisal as a basis for removing the PMI. They are asking me to pay for another appraisal before they can remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX  me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX ace cash Express XXXX XXXX  and a numerous others. Please as she remove these negative items.
Product: Money transfer, virtual currency, or money service

I was trying to sell a XXXX wallet on XXXX. First time setting up my account. I had a purchaser interested in the wallet but I was not sure of the protocol. The purchaser ( scammer ) sent me account information that they had paid the amount of {$400.00} for which is the amount I was selling the wallet. The scammer sent me a transaction ID and bank details that the money was being held because my account was not set up. That in order for the funds to be released I needed to setup an account with cash to establish insurance for purchasers. I received an email for what I thought was Poshmark stating instructions on how to setup up the account and I would recieve the refund- I was asked to send multiple amounts of Cash through Zelle in order to sell the wallet. XXXX does not have a phone number and only an email to answer any account questions. I thought I was being contacted by XXXX and it really wasn't XXXX they just used their email address and logo. Since it was the only way to communicate with XXXX is via email they do not have a telephone number I thought it was legitime with and I was scammed out of {$1600.00}. Also how I was ignored when I contacted Poshmark multiple times and finally when they responded it was too late funds had been sent The following amounts and dates are listed that I am requesting a refund from either Zelle, XXXX XXXX or XXXX. 

Sent the following Zelle 's XX/XX/22 : {$500.00} XX/XX/22 : {$200.00} XX/XX/22 : XXXX XX/XX/22 : {$100.00} XXXX XXXX XX/XX/22 XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX Judge has already lifted the judgment against me and they will not remove this from my credit report
Product: Credit reporting or other personal consumer reports

I have reasons to believe that there where XXXX XXXX consumers who was part of a data breach I believe I was XXXX of them and this is why I cant figure out who these companies are and how did they get my SSN I am requesting to have all my address job inquires charge off everything removed from my credit report no matter what its called. According to the FCA ( Financial Conduct Authority ) regulations, if a firm under their jurisdiction experiences a data breach, they are required to promptly notify affected individuals in a clear and fair manner, and must implement proper complaint handling procedures ; essentially, they are held accountable for protecting customer data and must take swift action in case of a breach, potentially facing penalties for failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud on this account.

I need all negative marks off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has plated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts belon have s iouted mi rights : 15 us. e 1681 scetion 604 A section 2 : lt also states a consumer reporting ageney can not furnish a account without my written instructions, IS U.S.C 1681c. ( alS ) section states : no consumer reporting ageney may mike any consumer report containing any of the following items ef information any otheredverse rem of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 L.S.C. 16819-2 ( Aa ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 1l the person knowe or has reasonable cause to believe that the infonnation is inaccurate. Delete the accounts below XXXX auto XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Student loan

I received an email from Nelnet over a week ago stating my student loans were being placed in forbearance and my interest rate would be set to 0 %. However, their website has not updated with this 0 % interest rate and my loans are still accruing interest.
Product: Debt collection

This complaint involves Portfolio Recovery Associates, LLC, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my XXXX  credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). 

Portfolio Recovery Associates, LLC is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. Portfolio Recovery Associates, LLC is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. 

On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that Portfolio Recovery Associates had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my XXXX  credit report. I included an attachment of my XX/XX/XXXX XXXX  credit report verifying my claims. 

On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with Portfolio Recovery Associates, responded to my complaint. XXXX claimed, PRA has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ...

She goes on to write, PRA does not control the way consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. 

This is a lie. 

On XX/XX/XXXX, I spoke with several XXXX  representatives who confirmed that XXXX  DOES NOT modify, change, amend, or alter any information furnished by a creditor. 

The same day, I submitted a rebuttal to XXXX fabricated XXXX XXXX XXXX statements, providing additional evidence that my XX/XX/XXXX XXXX  credit report still showed Portfolio Recovery Associates reporting itself as a Factoring Company. 

Tellingly, on XX/XX/XXXX, Portfolio Recovery Associates began reporting as a Debt Buyer under the Account Type of my XXXX  credit report. I confirmed with XXXX  on XX/XX/XXXX that this change in reporting was instituted by Portfolio Recovery Associates, not XXXX. 

It is clearly evident that both XXXX and Portfolio Credit Associates are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. 

I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving Portfolio Recovery Associates was reporting as a Factoring Company to XXXX  in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how Portfolio Recovery Associates began reporting as a Debt Buyer on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across XXXX and XXXX. They ( XXXXXXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/XXXX. Their response was a " canned '' response that " My correspondence does not provide sufficient information to investigate my dispute. '' Which is a lie because i included account number and they themselves on the correspondence dated XX/XX/XXXX states my full account number My dispute also stated 3 errors in detail date opened is incorrect, date last active is incorrect, payment history has inaccuracies I also included a copy of my report with the errors outlined in red. A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from affirm in early XXXXXXXX XXXX XXXX XXXX my account was frozen due to fraudulent activity. I made numerous attempts at getting the account unlocked and was ensured affirm would be doing everything they could to recover my account. After months of not being able to make a payment due to being locked out. I have customer service a total of 6 times to attempt to get this resolved in fear of going to collections, on the last phone call I had with XXXX XXXX from affirm customer service I was told I would not be held accountable for the balance. I actually had her send this to me in writing because I had a feeling this would not hold true. Today ( XX/XX/XXXX ) I received an email from the debt collector, XXXX, I have forward this email to them and am now waiting on the response but I would hate for this same thing to happen to more people ( which by the looks of it, via reviews, its has. ) Affirm has very poor customer service and I highly recommend anyone thinking of using their service to think twice. I also now have to monitor my credit through mytrueidentity.com due to the leak from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ). XXXX - XXXX XXXX ( Open Date XX/XX/XXXX Balance {$1600.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The car was paid off in full with no late payments. I also have a 1099C to show that the debt was charged off and accepted by XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A new credit inquiry has appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX Bank. I have not applied for a credit card or loan. I confirmed with XXXX that it was a fraud case as they closed down an application for a XXXX credit card.
Product: Checking or savings account

On XX/XX/2023 I transferred {$95000.00} from my checking account to my LOC account to pay of the {$95000.00} + interest. The Fifth Third Bank said there was an error applying the {$95000.00} and it will not be corrected for 10 days. During this time I will be charged interest and not have access to the money. 

My checking account is XXXX I contacted the Fifth Third employee XXXX # XXXX XXXX
Product: Money transfers

I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.
Product: Credit reporting or other personal consumer reports

I had my credit check when I purchased a new car and on my credit report there was a debt collection from XXXX  that I had no idea where it came from. I do not any money to credit card. The name on my credit report was Grant and Weber in XXXXXXXX XXXX XXXX in the amount of {$1000.00}. I know for a fact I do not owe any debt. I never received a letter or bill or services. I would like to clear it off my record.
Product: Checking or savings account

Citi Bank currently offers Banking promotion which states " deposit XXXX within 30 days of account opening to get {$600.00} bonus ''. The promotion is done online only. Citi bank starts counting the days from the day you file the application online. Although the account gets approved in 3-4 days after application, the consumer CAN NOT LOG INTO account until they get a debit card which may take 2-3 weeks. Citibank requires a DEBIT CARD to be Handy to Activate the Account. Without a debit card, the consumer can not ACTIVATE THE ACCOUNT. Infact citibank will not even issue your account number without debit card activation. Hence the consumer is already at a narrow window and only gets 1 week time to deposit the money. In my case, Citibank never sent me a debit card or it got lost in the mail. They resend me the card and hence I already passed the deposit window. Because of this, Citibank states that I am not eligible for the bonus when in fact it was no fault of mine. Citi Bank failed to send me debit card without which I can not activate the account nor deposit money. Hence, it looks like it's a false marketing strategy to invite new customers and delay their deposits to make them ineligible for the bonus. Request for intervention. Name : XXXX XXXX Citi Account number : Citi Gold Checking XXXX Citi Gold Saving XXXX
Product: Checking or savings account

On Monday XXXX XXXX, I received an email from the chairman ( it was her full name but turned out it was n't her ) of the small non-profit company I just was elected Treasurer to transfer {$2400.00} to another Chase bank account ( ours is a Chase account also ) in another city. The email had her full name and my name and email address. I went to the XXXX, WA bank branch and made the transfer. The woman helping me even commented the routing address the transfer was going to was in a different state than the address on the email. But it went through. Later that evening I was talking to the chairman and she said she did n't send the email. I then called the Chase Fraud line and was told ( after being on hold a few times and passed around to different departments ) that because the transaction was made by me in the bank ( as opposed to being done online ) that they could n't do anything and I would need to call the bank in the morning. I called again later to see if they could at least stop the transaction since they told me it still showed pending and I gave them the whole account number, I was told they could n't do anything with the funds until they had been deposited in the transferred account without contacting the owner of that account. This was the person who was swindling the money! Of course they are not going to refund it!! So I called the bank this morning as soon as they opened and the woman who helped me said she would call her fraud dept. and get back to me. When she called me back she told me they would not cover the funds because I instigated the transaction. ( Even though I tried calling before midnight to try and stop the transaction! ) I have attached the email I received with the account info and name the funds were transferred to.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you look at the papers? Some accounts listed are wrong about what they say, like the money and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act AFFIRM has violated my rights under 15 USC 1681 section 602 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. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX have a collection agency for XXXX XXXXXXXX XXXX XXXXXXXX Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXXXXXX XXXX Date assigned XX/XX/year> This is not my bill will left the apartment during Covid and received housing and utilitilty relief. XXXX XXXX XXXX XXXX XXXX XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TransUnion for their failure to adhere to the proper time frame for investigations. I requested an investigation to an error on my credit report, and was informed by TransUnion that it would take 60 days to complete. However, according to the Fair Credit Reporting Act, I am entitled to a resolution within 30 days of my request. 

I am requesting that the CFPB take appropriate action to ensure that TransUnion is following the legal time frame for investigations and that my credit report is corrected in a timely manner. 

Thank you for your attention to this matter. 

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

I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX  son doesn't have to worry about catching XXXX. He also has a XXXX  XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.
Product: Credit reporting or other personal consumer reports

I requested a 1099-C from Capital One bank after my account was closed and charged off XX/XX/year>. 
I received no response from Capital One bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX NJ by XXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by Capital One Bank . 
All three Credit Bureaus XXXX XXXX, XXXX, XXXX ) are each reporting an open balance on my credit report. 
Each time I call Captial One, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the 1099-C form.

As well as Validation of debt under title 15 U.S Code 1692g. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?