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

I am filing this complaint to dispute an inaccurately reported charge-off account associated with ALLY CREDIT CARD Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX 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 XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX  to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX and XXXX XXXX  both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however XXXX is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Product: Mortgage

ATTN : Loss Mitigation Fax # XXXX XX/XX/XXXX To Whom it may concern All of the alleged back money owed to Amerihome Mortgage, due to them suddenly and without warning cancelled my approved modification XX/XX/XXXX ( see previous complaint ), was paid by the XXXX program on XXXX XXXX. The full balance of what was owed was paid in full and my account is current. 

I was never in a deferment. On my XX/XX/XXXX invoice from Amerihome Mortgage, it shows an additional deferment amount of {$1900.00}. Now in XX/XX/XXXX, I was approved for a modification. The trial payments started in XX/XX/XXXX, but in XXXX of XXXX someone changed the modification to a deferment without my request or permission and it took over XXXX  months to fix. 

On XXXX I faxed you a letter asking you to fix the mistake of stating I had a deferment of {$1900.00}. 
I wrote a qualified Request to Amerihome asking them to remove the deferment, since it was obviously a clerical mistake, held over from last year. 

Imagine my surprise when I looked at my account online in XX/XX/XXXX, and it states that I have XXXX principal balances : XXXX for, surprise, surprise, {$1900.00} and XXXX for {$92000.00} with a new total of {$94000.00}. 

Before I started the modification process, which I thought was designed to help me, I owed {$93000.00}. Someone has once again made a terrible mistake that needs to be corrected. I dont have XXXX balances, I dont owe an additional {$1900.00} and this needs to be fixed ASAP. 

In addition, on XX/XX/XXXX I sent a letter ( almost a full month before my homeowners insurance was due ) requesting that it be removed from escrow so that my mortgage payments could stay low. I had already started payments with a payment of {$250.00}. They never responded to my request, but instead instantly paid my insurance for the year. I escalated the request verbally in XXXX and again in XXXX. 
About XXXX weeks ago I called, and faxed and asked that this request would be escalated, and I still have had no response. I called again on XXXX and they said maybe I would get an answer by XX/XX/XXXX. 

I have been more than patient with Amerihomes constant errors over the past 3 years. I will be contacting The MA Governors Office for XXXX XXXX and I will be looking for legal representation. Amerihome has consistently screwed up, been unapproachable and made mistake after mistake with my mortgage. The stress level has literally raised my XXXX XXXX and affected my health. Just this past Monday, XXXX XXXX, XXXX I was on the phone, mostly on hold fpr XXXX hours, passed to XXXX people and had to call back 3 times. Today, XXXX XXXX, I was on hold, cut off and again passed to XXXX people for over XXXX hours, with no resolution. 

To reiterate, When I applied for a modification, I owed {$9300.00}. I dont owe an additional {$1900.00}, and XXXX has refused to remove the deferment, even though it is a clerical error, which Amerihome has admitted, and I NEVER requested a deferment. Also, I would like the to pay my homeowners insurance outside of escrow to lower my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Equifax concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent communication to Transunion to investigate accounts on my consumer report that are inaccurate. 

To Date, I have not received any response back from TransUnion regarding the investigation of the accounts. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

I have attached the letter i sent to the 30 days ago.
Product: Credit card or prepaid card

This is my third complaint with care credit I just made my minimum balance payment on XX/XX/XXXX before that payment I had an available balance of XXXX plus dollars I happened to go on to the account today and now my available balance is {$200.00} I have not been using the card as I'm trying to get my balance back up every month for the past two years they take the majority of my minimum balance payment and put it towards interest now I'm concerned at why my available balance dropped to {$200.00} when I made this payment on XX/XX/XXXX it should have taken my balance well over {$1000.00} at this point I am wanting to close this card out because they are constantly taking my money and putting it towards interest and now they're taking my available balance and putting it towards I don't know what but this is ridiculous at this point again this is my third complaint with this company and I have also filed with XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under transunion as well as XXXX reporting agencies these are violations of the FCRA.
Product: Debt collection

Collection account # : XXXXXXXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

Having meticulously reviewed the Fair Credit Reporting Act ( 15 USC 1681, 602 ), I am both enlightened and resolute in my understanding of its mandate : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX, being consumer reporting agencies, are bound by this statutory duty, and I, as the XXXX XXXX command that my private information be protected, as upheld by 15 USC 6801, which declares, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The financial institutions that furnish information to these credit reporting agencies fall under this obligation by definition. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) explicitly states : " No consumer reporting agency may furnish a consumer report except in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that no such written instructions have been provided by me to Equifax, XXXX, or any furnisher of information, and any alleged consent, whether verbal, non-verbal, implied, or otherwise, is unequivocally revoked. 

Additionally, pursuant to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have never been informed of this right by the furnishers of information. This failure constitutes a blatant violation of federal law.

Moreover, 15 USC 1681c ( a ) ( 5 ) mandates that no consumer reporting agency may include in its reports adverse information predating seven years, except for criminal convictions. Yet, these agencies continue to unlawfully report adverse items without my consent, flouting legal boundaries.

The furnishers of this information are further restrained by 15 USC 1681s-2 ( A ) ( 1 ) ( A ), which forbids the transmission of any information that is inaccurate or that they have reason to believe is inaccurate. Similarly, 15 USC 1681e commands all consumer reporting agencies to maintain procedures that prevent such violations. Equifax and XXXX have failed in this regard, disregarding the statutes that bind them. 

Finally, under 12 CFR 1016.7, I exercise my unalienable right to opt out of these reporting services at my discretion and at any time. As of this declaration, I am opting out. 

Let this serve as an authoritative decree : my rights as the XXXX XXXX shall not be infringed. All parties are hereby noticed of their violations and compelled to cease and desist from further unauthorized reporting or sharing of my information. 

Signed, By My Own Hand, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX XXXXXXXX submitted an outgoing wire transfer to me ( XXXX XXXX ) for the sale of my house, using XXXX XXXX. XXXX XXXX  initiated the wire to my bank which is XXXX. The amount wired was XXXX on XX/XX/2024 at XXXX XXXX. Chase Bank received the incoming wire, same day around XXXX XXXX  XXXX XXXX time. Chase bank flagged the incoming wire as Fraud and withheld the funds from me. Chase banks customer service said they sent an inquiry to XXXX XXXX  for more information. XXXX XXXX  has said multiple times that's they have not received such inquiry. Chase Bank is illegally withholding funds that are rightfully mine. Upon further investigation online, this seems to be a reoccurring problem with multiple Chase Bank customers. Chase bank will not give me any information nor a timeframe on when my wire will be released to my account.
Product: Debt collection

I was called in early XX/XX/2024 for a collection on a bill I never received, even though the company where the charges originated had my correct address but never sent me a bill.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of XXXX XXXX and fraud. These fraudulent accounts consist of a XXXX cable account opened XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 2024.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Debt collection

*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against Portfolio Recovery Associates , LLC and XXXX XXXX for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as XXXX XXXX has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I've never given Portfolio Recovery Associates , LLC my identifying information or XXXX XXXX the permission to share my identifying information. Being that Portfolio Recovery Associates , LLC has my personal information that is in fact Identity theft. Portfolio Recovery Associates stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( XXXX XXXX XXXX and the assigned ( Portfolio Recovery Associates , LLC ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Called to collect a phony debt for a company I 've never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with DISCOVER CARD FINANCIAL. The line of credit I have with DISCOVER FINANCIAL is characterized as utilization on my consumer reports. DISCOVER FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : DISCOVER credit card, DISCOVER FINANCIAL is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( DISCOVER CARD FINANCIAL ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( DISCOVER FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! DISCOVER FINANCIAL HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to DISCOVER FINANCIAL expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I made a payment inXX/XX/2019 that should have applied to the payment for XX/XX/XXXX. Navient was supposed to update me on the status of the payment 2 weeks ago and though they havent I continue to get calls from collections reps. I have no issue paying my bill for XX/XX/XXXX, but they need to tell me what happened to my payment for XX/XX/XXXX before I give them another dime. The representative who just called me this XXXX was extremely rude and got very disrespectful after I explained that Navient should have been calling to resolve the issue before asking for another payment. She had way too much attitude for Navient to not be able tell me where my last payment was applied. I am disgusted by the fact that a loan company such as this cant answer a simple question to a person who has willingly paid her bill overall and especially this year. I even had an autopay set up last year and when Navient didnt take the payments as scheduled the rep didnt know what I was talking about ... its all there in the notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit reports and noticed the accounts from XXXX  are too old to be on my credit report they are approx 9 years old and should have falled off in 7 years
Product: Vehicle loan or lease

XXXX XXXX ( XXXX ) was returned on time and paid in full to Hyundai Finance in XX/XX/XXXX. They never logged it, grounded it or acknowledged it ... and instead it has been left on my credit report as being unpaid and due and owing for the full amount of the lease. In XXXX, they finally acknowledged on the phone that they messed up ... grounded the car and the lease and were supposed to send me a letter of proof and notify the credit bureaus. No letter has been received and no change to the reporting at the bureaus has occurred. In the meantime, my credit score has been adversely affected by their mistake and their continued disregard of my requests.