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

XXXX 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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED   XXXX   XXXX   XXXX   ATTACHED.
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Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor   XXXX   XXXX  , who failed to provide proof of debt, as to the electronic purchase from   XXXX   XXXX   to Portfolio Recovery Associates.
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Portfolio Recovery Associates, per the attached letter dated   XXXX   XXXX   XXXX   did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
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Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to   XXXX   XXXX  , as they failed to provide proof of debt via copy of the electronic purchase from   XXXX   XXXX  . Their letter dated   XXXX   XXXX   XXXX   is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I lost my job and I sent a notice to the company XXXX XXXX. In the notice I claim the additional exemptions TCA. 26-2-111 and 26-2-103. I claimed ( A ) unemployment. The letter was sent out XX/XX/XXXX. And I talked to this company Attorney over the phone. Their Attorney said he wasn't aware of this law and he would look into it. I never heard back from the company Attorney. XXXX XXXX stopped reporting to Equifax and other credit reporting agencies on this account.I thought that XXXX XXXX honored that law and exempted me from that debt but later in XXXX XXXX XXXX started reporting to the credit reporting agencies that I was sill under obligations and was still making payments when I wasn't. This is fraud. In XX/XX/XXXX I sent XXXX XXXX a validation letter of the debt and has not heard from them nor has they stopped reporting to the credit reporting agencies. They have now reported at least 12 months of none pay which dropped my credit score down to XXXX points. Please help me clear this issue. This is fraud and they are not backed through a federal bond. If they was they could have hired a debt collection agency.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : Account Name + Account Number : 1. XXXX XXXX XXXX # :XXXX. 2. XXXX XXXX XXXX # : XXXX. 3. XXXX XXXX XXXX. # : XXXX.

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s )..

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with.

4. The documentation used to verify the dispute.

If you are unable to respond in ( 10 ) ten days and provide the above items, delete the account ( s ) immediately from my credit report to prevent further damage.
Product: Payday loan, title loan, or personal loan

I took out a loan with Mr Money four years ago and they are trying to sue me in court I contacted them to let them know my situation, due to Covid, and now they are mailing harassing letters stating s judge issued a warrant for me and I need to pay them directly plus court fees and interest and they will make my warrant go away. They legally arent able to make a warrant go away for one for two I did a warrant search and there is no warrant issued. So I feel very threatened and that they are using issuing a warrant as intimidation when they dont have the right to even issue a warrant nor take it away.
Product: Checking or savings account

To who it might concern : On XXXX XXXX, I got a phone call from Bank of America, saying someone else was trying to log onto my account, and I clearly said it was not me, then BOA asked me change the password, and I did it on XXXX XXXX and I didnt notice my account balance has problem. However, when I logged onto my account on XXXX XXXX, I notice there was a wire transfer {$25000.00} done on XX/XX/XXXX. Obviously it is illegal transfer because the time of transfer was very close to when BOA called me to report me a suspicious log in. I reported this to BOA but they denied my case, I am looking for help from other agencies. 


Thanks 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. 

XXXX XXXX account # XXXX Since I filed my FTC Identity Report, XXXX XXXX I furthered look at my Experian credit report and noticed this account is accurate and incomplete.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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: Debt collection

On XX/XX/2015, I recieved a collection notice of {$640.00} from XXXX in which I never had a account with. I contacted XXXX and found out that I didnt have a account under my name. I didnt know I had this account until I checked my credit recently.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

CAPITAL ONE XXXX Balance Owed : {$180.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX letters to XXXX XXXX, and TransUnion ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX XXXX XXXX and TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ).  Under the FCRA, unverified accounts must be removed ... XXXX XXXX and TransUnion acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Product: Credit card or prepaid card

I had two US Bank Credit Cards ( CCs ) owned by both my husband ( now Ex ) and myself. These CCs were opened online by my Ex, and done without my consent. When I reviewed my credit bureau after separation, I contacted US Bank and inquired as to the debt of the 2 CCs. I was assured the application showed both of our social security # s, so I was also responsible for the debt. I, at that time advised the Customer Service Representative that these cards were opened without my permission. The rep advised me I should talk to their Fraud Department. After talking to the fraud area, they then advised me this was considered a domestic matter and there was nothing USBank could do. 
In XXXX of 2020, I found out the CCs had become delinquent. I contacted USBank and brought the accounts current, and with that requested the CCs be restricted to no further purchases or advances. The representative assured me at that time there was no further risk of any advances, it would take both me and my Exs permission to access the accounts again. 
On the XXXX of XX/XX/2020, I contact Customer Service at USBank and requested to payoff both CCs The card ending in XXXX was paid off with a payment of {$2200.00}, with a confirmation # of XXXX, and the card ending in XXXX was paid off in the amount of {$1200.00} with a confirmation # of XXXX. Letter of confirmations attached. I again was assured that due to the CCs being frozen there was no other recourse but to shut them down. And that was the final conversation the cards would be closed. 
( Not sure of Date, but after XX/XX/2020 ) My Ex contacted USBank Customer Service and stated the payoffs made to the cards were done in error and he was requesting the funds be given back. The USBank Representative advised my Ex that she could only reimburse the smaller of the two CCs and would not be able to give the minimum payment that was due back, so the amount given was {$1100.00}. The funds were then deposited into my Exs USBank Savings account, ( this information verified by Collection Supervisor XXXX ). The funds were not even credited to the checking account the original funds had come from! I was told when I called and talked to XXXX in the collections area that the only reason this was able to be processed that way was because they were not giving back the full amount. 
The issues I have : The CCs were restricted, no further action unless there was a consent from both parties owning the accounts to un-restrict. 
Payoffs for both CCs specifically from my account ending in XXXX, on XX/XX/2020, and a request by me that the USBank Rep notate the file of who paid the CCs off, as my Ex was/is filing bankruptcy and I did not want the payments I made reversed to a chapter XXXX trustee. 
My Ex contacts USBank, and although the accounts were closed and paid in full, the rep reversed the payment from the closed account, essentially reopening and creating a balance. 
There never should have been a payment reversal as this account was closed and I made every effort to inform USBank the accounts were opened without my consent. 
I did not give permission to reopen this Credit Card.
Product: Debt collection

Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. 

When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. 

I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. 

I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBER:XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to transunion regarding inquires on my report that was not authorized. I was advise Inquires would be deleted however that remain on my report. The first call was made on XX/XX/XXXX. 2nd call on XX/XX/XXXX and another call was made today. I requested a freeze to be placed on my account to prevent unauthorized inquires, however that still hasn't been done. I currently have freezes on XXXX  and XXXX  and have no trouble with those reports. However someone continuously use my social to pull from transunion. There is currently 16 inquires on my report that i never authorized. This is really affecting me. I need this hard inquires removed and a freeze placed on my account. 

There are inquires dated below that was not authorized. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, Block has my interest account in a necessary cold storage situation. I am concerned that the funds in my investor wallet are in cold storage and want to ensure that they are not being used to satisfy secured creditors if bankruptcy comes for Blockfi. They have paused withdrawals and transfers so I can not access my funds at all.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$430.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$960.00} Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$9800.00} Account Name : XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$55.00} Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1000.00} Account Name : XXXX XXXX # XXXX : Balance : {$1000.00} XXXX Account Name : XXXX XXXX # XXXX : Balance : {$340.00} Account Name : XXXX # XXXX : Balance : {$820.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Unauthorized Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/2020 a little after XXXX XXXX  I got my XXXX payment deposited on my Direct Express card so I went online to pay my XXXX XXXX XXXX which is {$310.00} but when I tried to pay it declined. The major problem I am having is that it is pending longer than 5 days now. I contacted the electric company and they said they do not even see a pending payment on their end even though Direct Express is telling me that its XXXX that needs to accept payment but the electric company says its Direct Express that needs to send the payment. I contacted Direct Express and was on hold over an hour and they seem to be a big joke because they acted like they couldnt hear me which I think is a lie because they heard me when I said I was going to record them and they said I couldnt even though they were recording me. I researched and found out almost everyone across the country is or was having issues with Direct Express. they are not resolving or even trying to resolve my issue. My {$310.00} is literally being with held from me and I am unable to pay my electric and this is my only income being on XXXX so because of Direct Express my electric will be shut off. please help me.They are not putting my {$310.00} back on my card. It is in some kind of limbo and they are keeping my money