23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, XXXX, and XXXX app. The collection has been reported as a past due balance i do not know this company, I have never done any business with this company. The debtor creditor did not verify this collection. Also there is no written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had a Venture One Visa card with Capital One for many years ( over a decade ). In the past few days I received a new credit card from them and it appears they switched it over to the MasterCard network without my explicit approval. After reaching out to them, I was made aware that I received an opt out option email on XX/XX/XXXX with the innocuous subject " Your credit card is getting an update '' which naturally went unread considering I receive multiple emails from Capital One each week. Practically speaking, I don't think I was provided with a meaningful communication to opt out considering they could have pushed a notification to my phone, given the email a more meaningful subject with a " Action potentially required : '' heading and a mention of Mastercard, or even called or texted to notify me of the significance of this change. 

During my discussion and escalation with Capital One, they insisted that it is completely impossible for them to switch me back to Visa. I'm leaving the country tomorrow and will be without a Visa card ( which is sometimes the only one accepted ) for the first time in my life. I now have multiple Mastercards which is not a situation I am happy with. To have to discard my Capital One Mastercard and apply for a new Visa card elsewhere will have at least a slightly negative impact on my credit score. That is not acceptable considering I applied for credit and signed an agreement to receive a Visa credit card with Capital One.
Product: Debt collection

Capital One XXXX XXXX XXXX XXXX XXXX XXXX reporting on credit report however never did business with any of these companies
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEM HAS REPORTED ERRONEOUS INFORMATION TO MY XXXX CREDIT FILE CAUSING MY CREDIT SCORE TO DROP WITH THIS FALES INFORMATION AM TRUING TO MAKE A HOME PURCHASE IN THE NEAR FUTURE AND THIS WI CAUSE ME TO BE DEINED NEED YOUR HELP
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off THD CBNA I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.
Product: Checking or savings account

On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.
Product: Credit reporting or other personal consumer reports

I received a letter from Experian stating they validated the bankruptcy and stated they will not remove it from my credit report however they never submitted any proof in written per FCRA law 604 ( a ) that the bankruptcy company reports to them. I have disputed this several times I sent this letter below to them I am writing to formally request validation of the bankruptcy that is currently being reported on, my credit file. Upon reviewing my credit report, I noticed that there is a bankruptcy listed, and I am requesting that you provide proof of the validity of this information. 
Please provide documentation that verifies the accuracy of the bankruptcy listing, including any pertinent details such as the court where the bankruptcy was filed, the case number, and the date of filing. I kindly ask that you respond to this request within the specified timeframe, I request that it be removed from my credit report immediately. Furthermore, if you respond by verifying the bankruptcy, I will provide you with documentation from the court proving that that the bankruptcy has been resolved. Upon receipt of this documentation, I demand that the bankruptcy be removed from my credit report within 15 days. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
They have not validated the bankruptcy and they are These inaccurate bankruptcy is not only damaging to my credit worthiness but also violate section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies maintain reasonable procedure to ensure maximum accuracy of the information they report. 

I demand that they remove these bankruptcies now me with a written response within 15 days, as required by law. If you are unable to verify the accuracy of the disputed information, expect to be removed from my report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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: Consumer Loan

I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.
Product: Debt collection

I have an account listed on my cre dit report by the name Stuart Lippman and Associates  collecting for  XXXX   XXXX    XXXX   XXXX   XXXX  n.     I have no knowledge of ever dealing with the original creditor as listed on this account or with this debt collector. This account is reporting as opened in  XXXX    XXXX  . I have not ever received any response from  Stuart Lippman &amp; Associates that validate any information, after mult iple attempts.     I am allowed, under the Fair Credit Reporting Act, the right to debt validation. This company has failed to provide any evidence of my signature with the original lender as well as any information regarding as to whether or not they bought a false account.     If this account was valid, in the state of NC, the statute of limitations is 3 years. I have not at any point in time, verified that this debt is accurate and therefore should be removed immediately from my   XXXX   report.     If this information is not removed, I will be forced to take legal action against this collection agency, which will allow me to seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FOR COMPLAINT SENT TO EQUIFAX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX
Product: Mortgage

I believe that I'm being harassed by the mortgage home preservation specialist pursuant to their second initiating documents requesting for information, after the mortgage company placed my mortgage account in a extended short-term payment suspension ( forbearance ), from mid XXXX until XXXX, which then a response required.
Product: Credit reporting or other personal consumer reports

Fourth Notice to Equifax Equifax , Inc., Customer Data Security Breach Litigation U.S. District Court for the XXXX XXXX XXXX XXXX  ( Case No. XXXX ) XXXX XXXX, XXXX XXXX Customer Data Security Breach Litigation U.S. District Court for XXXX XXXX XXXX XXXX  ( Case No XXXX XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; Equifaxs & XXXX XXXX XXXX XXXX Data Breachs & Identity Thefts . I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Opened Date : XXXX. XXXX, XXXX XXXX  XXXX ; Balance : {$3100.00} ; Opened Date : XXXX XXXX, XXXX XXXX XXXX ; Balance : {$650.00} ; Opened Date : XX/XX/XXXX Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax and XXXX XXXX XXXX XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ; Failure to Provide Notice : Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax must provide the consumer with a written notice of the results of its investigation. To date, I have not received adequate notice regarding my disputes.
Product: Payday loan, title loan, personal loan, or advance loan

Thank you for accepting this complaint. I have a " Paypal Working Capital '' revolving line of credit with Paypal : ( Synchrony Bank / PayPal Credit ) XXXX XXXX XXXX XXXX PA XXXX I've noticed their late fees are unusually high. My minimum payment of {$41.00} was due on XX/XX/year>. I made my payment today on XX/XX/year> and I was charged a {$41.00} late fee on XX/XX/year>. Is a late fee as high as the minimum payment legal? I was under the impression that there was a federally mandated legal limit to late fees. If late fees are as high as the minimum payment amount how is a consumer ever going to get out of debt when short periods elapse between due dates and payments? When I inquired about a fee versal I was told this was not possible.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 
These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 
I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 
15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of. 
I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Product: Credit card or prepaid card

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is CAPITAL ONE which was opened XX/XX/2013 with a balance of {$0.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My several attempts for dispute resulted in verification and nothing further. When I contacted the Fraud department I was transferred constantly or placed on infinite hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees.

* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge XXXX The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.
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. Account name
: XXXX XXXX XXXX. Unknown ( I have not knowledge of these accts I have request Validation over 60 days I have not received anything from the companies. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX number XXXX Paid, Closed. {$690.00} written off. ( Experian ) Account name : XXXX-Account number 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.

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

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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Eos CCA # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 

There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. 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 or other personal consumer reports

XXXX  XXXX XXXX has informed me that an account that is being reported to my Early Warning Consumer report ( Acct ending in XXXX ) was fraudulently opened, and provided me a letter stating that I am not responsible for this account. Early Warning is still reporting this account to my consumer report. 

Please remove this account immediately. I have provided the letter confirming I am not responsible.