23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a reopened dispute with PRA.

The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is. 

I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft. 

I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX  refused to cooperate. 

I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree.

PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results. 

Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies. 

I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block these accounts due to the fact that they are not mines and I have expressed this on multiple occasions however, the credit reporting agencies especially Equifax has ignored the rules governing consumer investigations. I requested a Method of Verification atleast 3xs, but did not receive not 1. I would like to know every detail of your companies investigation into the following accounts or these accounts shall be removed immediately. And as a general rule it is not ethical for the reporting credit agencies to accept electronic Verification as proof of a valid account. I'm hereby demanding that these accounts be blocked. 

1 ) XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXXr XXXX XXXX
Product: Credit card

I got a secured discover card like 2 months ago. They claimed the irs needed some kind of verification no other credit card or bank has ever required me to prove to open. So how can it be the IRS requiring it? Over two weeks ago they called me and and said if anymore problems they would be in touch. I tried my card and it got declined. So now I'm getting the runaround from two branches at discover and the stories don't jibe but I got XXXX  unprofessional and the conversation ended. It only took 5 hrs to not find out a XXXX thing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX TransUnion TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Deletion of Late Payment Discrepancy from TransUnion Credit Report Dear TransUnion, I am writing to formally demand the immediate deletion of a late payment discrepancy from my TransUnion credit report concerning my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my TransUnion report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. 

I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my TransUnion report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. 

I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. 

I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. 

Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. 

I expect your prompt attention to this matter and look forward to a swift resolution.
Product: Debt collection

I have recently received my credit report and I've noticed many accounts opened without my authorization : Capital One XX/XX/year>. I am not sure where my information is being stolen from but I'm initiating this police report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine.In addition to statement above, I have not live or resided in these locations where these accounts have been opened. This was brought to my attention once I have finally seen my full credit report. I was being denied for a lot of things like bank accounts, credit cards, and loans for example. 

I requested for debt to be validated and cease reporting any debt to credit reporting agencies.
Product: Debt collection

I was called multiple times a day several days a week. Didnt know the number so I didnt answer until they left a voicemail and then I called back. The guy named XXXX was not very knowledgeable because he was new, talked to supervisor named XXXX who helped me resolve the issue and figure out plan for payment. Then I was getting constantly called again a few days later by XXXX and I explained I had resolved everything with XXXX but then he sent me to his supervisor XXXX who kept yelling at me and saying I was refusing to pay when that was not the case. I said they have the recordings of my precious conversation with XXXX and our plan but XXXX said he wasnt going to listen to any tape and that I was refusing to pay and he threatened to harm my credit and threatened saying hes going to get my money no matter what and he has all my information And will get his money. Then he hung up on me
Product: Bank account or service

Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report late payments on a car returned to them. The car had a manufacture documented faulty ignition- yet when the vehicle was returned they sold it to someone else and continue to report to Experian and possibly other credit bureaus that payments are late and debt is owed. This is creating a problem - because companies like XXXX and XXXX XXXX from Montana are now using Experian to issue apartment rentals and are giviving priority to this reporting for housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in on XX/XX/XXXX requesting an investigation on a bankruptcy on my credit report. XXXX started the investigation and put a security freeze on my account. 30 days has past and the investigation hasn't been completed nor has a letter been mailed out telling me that they needed more time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my opt-out notice letter to Firstmark Services . I am filing a complaint against Firstmark Services for violating my consumer rights under federal and New Jersey law. Firstmark Services shared my financial information with third parties without offering an opt-out, violating the Gramm-Leach-Bliley Act ( GLBA ), New Jersey Consumer Fraud Act ( NJCFA ), and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with GLBA and NJ law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( TILA ). Firstmark Services also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under NJCFA, harming my credit and privacy.

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( 3 ). I request that this account be removed from my report and that my privacy rights be enforced.
Product: Credit reporting

experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
Product: Checking or savings account

O n  XX/XX/16  I made  out a Check to  XXXX   XXXX , which he never received. However, on   XX/XX/16   , so meone went to Bank of America and cashed this check without an endorsement.   XXXX   XXXX  , who is my bank should have never accepted this check back from Bank of America without an endorsement and now they will not give me my {$800.00} back. They advise me that Bank of America is doing a fraud search. That should not be my problem. They do n't care because they are not out {$800.00}. I should be given my money back plus interest. It is now  4 m onths and they have no intentions of doing that. What are my rights? How can they get away with that?
Product: Debt collection

OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have advised the credit bureaus of this on multiple occasions. My personal information was exposed in multiple data breaches. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

-Copy of my driver 's license as verification of Identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my reports and I am very dissatisfied with the outcome. Back in XX/XX/2021 of this year I notified Equifax of the illegal actions that were taking place dealing with my consumer reports. pursuant to 15 usc 1681b ( 2 ) without written consent Equifax can not furnish my information it is a infringement on my right to privacy. It is a federal violation. No consent is identity theft. I have never gave my consent to furnish any of my information, and I am aware that I am a federally protected consumer pursuant to title 15 chapter 41 of the united states code. I am not understanding how a data collection agency can ignore federal law, and continue to commit the same violations, and not respect the privacy of consumers. The Fair Credit Reporting Act was created by congress as a direct result of the impact this fake bureaus are causing by undermining consumers not just myself. I demand that Equifax delete the tradeline XXXX  XXXX pursuant to 15 usc 1681 c-2 block of information resulting from identity theft ( a ) 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. I am competent and understanding of my rights, and I demand that this information be blocked in deleted. I will submit documents required.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liability In multiple violations and XXXX entitled to monetary compensation under FCRA XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences Accounts listed below in green XXXX highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information is not correct contacted the credit bureau to have them corrected. It was corrected and now the wrong information is back on there almost a year later I sent in my drivers license and my Social Security card with my only name.
Product: Mortgage

I modified my loan with XXXX in 2009. 
The company changed name and is now called Ocwen. I was told if I had 3 years of timely payments on a trial basis bases and I kept the house, the loan would be as is with no prepayment penalty and I would not owe additional funds. I have been renovating my house out of my own pocket since then. I want to refinance my loan. When I asked for a pay off with Ocwen informed me I owe them an additional 25 % of the new appraised value. There was one stipulation, if I renovated and submitted receipts they would deduct that dollar per dollar. I asked what is criteria for remitting receipts and what would be accepted. I was told there was no one to talk to and it's up to their discretion. I want some solid guidelines. When I researched this loan, numerous people were told the same as myself that we were out of any pay back after 3 years. How can this be so subjective? And they lied about a three year termination of any stipulations. My email is XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity. 
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ). 
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day. 
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016. 
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply. 

All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

On Nelnet, my federal student loan payments were due XX/XX/23 My approximate amount due was {$2200.00} On XX/XX/23 I requested to change my payment plan type to extended repayment, which would change my payment to around {$1200.00} per month. 
Today ( XX/XX/23 ), my account was changed to reflect my monthly owed as XXXX, along with my due date moving to XX/XX/23. 
I was given no warning of my payment change, due date change, or ability to pay my current amount owed today. 
I would like my account to accurately reflect the appropriate due date, and amount owed following my payment plan change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all XXXX credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.