23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I was notified by mail multiple times by Portfolio Recovery Associates, XXXX ( PRA ) address XXXX XXXX XXXX XXXX VA XXXX of collection notices about { {$5500.00} } Reference Number : XXXX, to which I found multiple violations pursuant to 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). I XXXX XXXX the Consumer and Natural Person is the original creditor, Pursuant to 15 U.S. Code 1692a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 U.S. Code 1692a ( 5 ). This company harasses me with debt collection letters since 2018. Pursuant to 15 U.S. Code 1692b ( 2 ) they can not say that a consumer owes a debt. I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to, in which I have not received thus far. In this regard after failing to respond to my affidavit thus defaulting and due to the inaccurate reporting and unprofessionalism of this company since XXXX. This is for the record that in pursuant to 15 U.S. Code 1692k they have to pay { {$1000.00} } per violation in the total amount of {$8000.00}. I demand this account be deleted on my credit report. Delete from all consumer reporting agencies ( XXXX, XXXX, XXXX ) and monetary damages of {$8000.00} as per attached invoice. I have file a report with the FTC attached Report # XXXX and will proceed with filing a case with XXXX XXXXXXXX XXXX of XXXX XXXX XXXX Attorney General if the matter is not resolved immediately! 

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

In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have reached out to Transunion on numerous occasions via disputes letters asking for validation of the public record listed on my credit report. Repeatedly, Transunion has in turn sent numerous correspondence via us mail stating the public record is accurately reporting. I have concerns with the public record because it shows a last updated date of XX/XX/XXXX. My questions are, is this the last time the courts updated this public record? Or was this the last time Transunion updated the credit report? Also, I have sent various pieces of documentation showing Transunion that their information listed is inaccurately reporting. Transunion has failed to conduct a fair and reasonable investigation into this matter. Transunions misconduct has caused great harm to my credit report. By Transunion reporting this inaccurate information, it has made my ability to obtain new credit challenging and has taken away my opportunity for a fresh start. The documentation I have shows a last updated date of XX/XX/XXXX while Transunion shows XX/XX/XXXX. This is a discrepancy and Im asking for the immediate deletion of the public record as well as pay a {$1000.00} fine to me for violation of the FCRA. My credit report should be 100 % accurate at all times. 

Failure to remove the inaccurate information will force my hands to continue pursuing legal action against Transunion in Federal or state court.

Respectfully submitted, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a letter XX/XX/24 letting them know that inaccurate information is reporting on my credit report. I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Santander Consumer USA Inc. # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I utilize XXXX to stay updated with my credit score. Recently two reports have been listed in my equifax and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both equifax and XXXX which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.
Product: Checking or savings account

I got my federal taxes listed on to a prepaid XXXX  XXXX from XXXX XXXX and American Express. There Is a app for your phone for the card to check your transactions and balance. I didnt use the card or app often. So the beginning of XX/XX/2024 I logged onto the app to get my account information and noticed my balance was almost {$2500.00} short!! There were almost {$2500.00} worth of transactions to a XXXX account that was NOT mine and I did NOT authorize. I immediately closed my card online and reported it stolen thru the XXXX  app. I also looked on the app to see what to do if this happens. It said to write to them and include everything. So thats what I did. I printed off all transactions, included my police report and the officers card.I mailed it off priority mail. I waited for almost 2 weeks for a response and never got one. So I finally called. 
The lady on the phone said they never received my dispute and redid the entire thing. I received a email asking for my documents and I uploaded all of them. I told them I did NOT authorize ANY of the transactions. 12 days later I get an email saying my dispute was denied. 
My card was used on someones random XXXX that did NOT have my name on it or anything to do with it. I did not authorize the transactions. How can they deny my money?
Product: Credit reporting 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX has violated my rights. 


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.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not furnish a 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. 16813-2 ( 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 card or prepaid card

I sent a prior complaint ( XXXX ), which was based on info that Amex gave me about plans. Amex followed up with me and told me the person gave me incorrect information and payments are NOT applied to interest-free plans first, so that complaint should be closed. I still knew the interest was wrong, so I looked into it further. I have tried repeatedly to explain the issue to them by chat, but they just keep telling me they will send me info on how interest is calculated. I am a XXXX XXXX and understand interest - that isn't the problem. 

I am repeatedly told that the interest is being computed on my average daily balance back into the " interest free '' period. I have attached my XX/XX/XXXX statement, which shows that interest-free promotion, from XX/XX/XXXX to XX/XX/XXXX, with an outstanding balance of {$0.00}. You can also see that my non-plan total balance was {$0.00}. Plan balances do not incur interest, as long as the monthly amount due is paid, which mine was. 

I made new charges on my card that posted to my XX/XX/XXXX statement, which totaled {$1700.00}, with an average daily balance of {$1500.00}. The minimum payment was made instead of adjusted balance in error ( by me ). However, American Express showed an average daily balance of {$7300.00}, " from '' XX/XX/XXXX and charged me {$160.00} in interest. 

This is clearly not correct and there is no possible way that I had an average daily non-plan balance of {$7300.00} in a month when I only made {$1700.00} in new charges. I have attached a spreadsheet that very clearly lays out my payments, net balance, and new charges. I have contacted American Express about this and spoken with 4 different people who continue to insist that the interest is correct, try to explain how interest works to me, offer to send a letter explaining interest, etc. They don't seem to understand that there is a systemic error that is showing an average balance that did NOT exist in statement period and a " from '' date that is also wrong. This issue was compounded on my XX/XX/XXXX statement with another {$200.00} interest charge, again showing an aging " daily average '' balance that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX [ Your Address ] [ City, State, Zip Code ] XX/XX/XXXXXX/XX/XXXXBRCLYSBANKDE [ Address of the Bank/Creditor ] [ City, State, Zip Code ] Subject : Unauthorized Hard Inquiry Dispute & Request for Immediate Removal To Whom It May Concern, I recently reviewed my XXXX credit report and noticed a hard inquiry from BRCLYSBANKDE, dated XX/XX/XXXX, which I do not recognize nor authorize. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and 1692c, as well as the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, to formally dispute this inquiry and request its immediate removal.

Basis for My Dispute : Lack of Authorization I have no recollection of applying for credit with BRCLYSBANKDE. If this inquiry was made in error or fraudulently, it must be removed immediately. 
Failure to Provide Contact Information My credit report states that " No contact information has been reported by this creditor. '' This is a direct violation of FCRA requirements, as I am unable to verify the legitimacy of this inquiry.

Violation of 15 U.S. Code 1681b Permissible Purpose Under federal law, a hard inquiry can only be conducted with my explicit written consent. If BRCLYSBANKDE can not provide proof that I applied for credit, then this inquiry was made without a permissible purpose and must be removed immediately.

Required Actions : Provide Proof of Authorization If you believe this inquiry is valid, provide me with a copy of the signed credit application or authorization. If you can not provide this within 30 days, you must remove the inquiry.

Cease & Desist Further Unauthorized Actions Under 15 U.S. Code 1692c, I demand that you cease all further reporting of this inquiry unless proper documentation is provided. Any further unauthorized action will be reported as a violation of federal law.

Immediate Deletion from My Credit Report If you can not provide written proof of my authorization, you must contact XXXX and request the removal of this inquiry from my report. 
Legal Consequences of Non-Compliance : Failure to comply with this request may result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I reserve my right to pursue legal action for damages under the Fair Credit Reporting Act and Fair Debt Collection Practices Act if this unauthorized inquiry is not removed promptly.

Deadline for Response : You have 30 days from the date of this letter to respond. If I do not receive a satisfactory response, I will take further action to protect my rights and credit standing. 

Please confirm receipt of this letter and respond in writing to my email at XXXX or by mail to the address above. 

Sincerely, 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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account Name : 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 a 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 or other personal consumer reports

I was a XXXX XXXX  victim from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the black market and used to obtain lines of credit that I did not authorize.
Product: Credit card or prepaid card

On or about XX/XX/2022, I made a reservation using Marriott XXXX XXXX for a three-night stay from XX/XX/XXXX through XX/XX/2022, at the XXXX XXXX XXXX XXXX XXXX I used my Chase Visa Card /Amazon . The following day, I contacted XXXX to cancel the reservation. Marriott did not cancel and directed me to the hotel. The hotel refused to cancel. Meanwhile, I booked a new reservation for the same date at the hotel the same way ; which cost less. Upon learning about the new reservation, the hotel canceled the old reservation and said that they moved my payment to the new reservation. Within, 24 hours, I canceled the reservation and later booked a new reservation for the same dates at XXXX XXXX by Marriott. I contacted Chase to dispute any payment from the XXXX XXXX stating that I canceled the reservation. Chase put a credit and contacted the hotel. The hotel convinced Chase to keep the charges despite that I went to stay at the same Marriott XXXX XXXX. Chase held me responsible for goods/services that I never used despite that I disputed it. They said that they will report it to the credit bureau and kept the charge on my credit. {$640.00}.
Product: Vehicle loan or lease

I called Bank of America on XX/XX/XXXX to make payoff of loan. Spoke with customer service who provided me with a pay off of {$9100.00}. Now the bank states I owe them {$110.00}. 
Starting XX/XX/XXXX my balance was XXXX my interest per day was at {$5.00} per day. 
XX/XX/XXXX payment of {$380.00} bringing my balance to {$18000.00}. 
XX/XX/XXXX payment of {$10000.00} on principle bring my balance down to {$8900.00} and my % to {$2.00} per day. 
XX/XX/XXXX payment of {$9100.00}. giving me at credit of {$110.00}. 
Now from XX/XX/XXXX - XX/XX/XXXX there where 35 days @ {$2.00} per day= {$80.00} interest from XXXX. 
Also BofA states I got a NSF of {$25.00} Total {$100.00}. 
Being I had a credit of {$110.00} - {$80.00} int % - {$25.00} NSF fee= {$5.00} Credit. 
Bank of America state I owe them {$110.00}. Which is incorrect based on all the numbers I was given on a recorded line with XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX  till XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I saw a XXXX XXXX XXXX on XXXX XXXX for sale. I inquired from the seller, if the vehicle was still available and he said yes. The cost of the vehicle was {$12000.00} and the seller asked me to wire a deposit of {$6000.00} the money to Wells Fargo Bank. I wired the money of {$6000.00} and the vehicle would be delivered to my home and I would pay the balance of XXXX on the day of delivery. The seller did not speak the truth and the vehicle was never delivered and the money was stolen. I inquired from Wells Fargo Bank about this fraud transaction, but nothing was done. Wells Fargo Bank had all the information from the seller and should be able to get my money back. I'm requesting from the Fraud department to refund my money which is {$6000.00} to me asap. I need to purchase a vehicle for work. 
Thank You for looking into this matter asap.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/year> -- {$6700.00}
Product: Mortgage

XX/XX/XXXX - During my settlement on my current home address, my HUD-1 statement reflected prorated amount escrowed to Wells Fargo for my personal XXXX property insurance. 

XX/XX/XXXX - Received a notice from my XXXX insurance company ( XXXX ) that Wells Fargo did not pay my renewal for effective coverage to begin XXXX/XXXX/XXXX. 

XX/XX/XXXX - Executed several calls and spoke to various departments, staff, executive level at Wells Fargo to resolve with little coordination or progress. 

XX/XX/XXXX - To date, Wells Fargo has assigned a case worker who continually requests extensions to review my case for resolution since XX/XX/XXXX. In the interim, I have no coverage on my personal belongings, etc. from XXXX. In addition, I 've not been reimbursed for the duplicate payment made during my XX/XX/XXXX settlement for " utility assessment '' fee ( see attached email )
Product: Mortgage

I recently refinanced my existing mortgage with XXXX which was transfered to nationstar/mrcopper for loan servicing/escrow. as part of closing i had to show proof of home owner insurance/purchase a new policy with my existging insurer XXXX. mrcooper has claimed they have no proof of insurance on file for me and to go to their website www.mycoverageinfo.com/mrcooper to upload it. when i attempted to put my info to look up this information throughout the last 2 months and most recently to XX/XX/2021 my account cound n't be located despite having a proper loan number and online account to pay my mortgage with them. I filed a complaint email to them cc'ing their CEO as well as attaching proof of insurance regarding the faiure of their website as well as keeping my proof of insurance through title company. My bf refered me to this company and they did the exact same thing. he also filed a complaint with the CFPB on his mortgage re : mr cooper/nationstar mortgage " loosing proof of insurance '' this seems to be a pattern of abuse of claiming to have lost this information on new accounts so they can double bill insurance premiums for people who do not pay attention. We advised them we noticed this pattern as this is two seperate accountss between us with the exact same pattern.
Product: Credit reporting or other personal consumer reports

This is my second attempt to resolve this investigation I asked ALL three bureaus to investigation and update my STATUS UPDATED. Still it said on my credit report this last time it was updated wasXX/XX/XXXX and if this report was generated on XXXX XXXX then no such investigation was done. So, I'm asking please hold these three company responsible by removing. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- account XXXXXX/XX/XXXX- account number- XXXX