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

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE
Product: Credit reporting or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation. 

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible. 


Addresses reporting that are inaccurate are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers reporting inaccurate are : XXXXXXXX XXXX XXXX XXXX XXXX Accounts  reporting inaccurate are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All inquiries that are not associated with an account are inaccurate and were not authorized. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 Company decreased limit by XXXX XXXX before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. Company doesn't even have a document regarding this decrease in my account.
Product: Credit reporting or other personal consumer reports

I filed mutiple disputes in regards to inaccurate reporting of information on my credit profile with all 3 agencies they are continuously violating my credit reports the way that theyre reporting the same item but differently with inaccurate information on each report, the account listed is XXXX XXXX  with all the violations on my report they still refused to look into it!! I do not want to involve an attorney but this is getting ridiculoussince theyre all verifying accurate information why does my credit reports show different information with each bureau please look into this
Product: Debt collection

Portfolio Recovery Assoc, LLC  by sketchy practices is attempting to collect a debt w/out providing me or the courts the proper credentials to show that they have the right to collect a {$2100.00} amt from me. After some communications by phone to get info from me, they insisted I pay them {$2100.00}. I never heard of this company and after their threats I insisted they were not to reach me again. The harrassment continued and even disgusting things were said of my character. Thats when I knew they were a joke of a company. 
A few months later PRA, LLC has me summons to answer their incomplete case to the XXXX Judicial circuit courts. They are attempting to get a judgement against me. From what Im understanding is that I may not have responded in time to have their motion for summary judgement dismissed. Ive also petitioned for a hearing.

There are a number of violations to my rights as it pertains to the Fair debt coll laws. Tactics taken. Threats to my credit. No written notifications. No proof they own a debt I owe. Maliciously taking me to court. 
My appeal will be handled by my soon to be hired attorney. 

Who are these people and how do they own this debt and why would they think I would pay them anything? 
Im sure our phone calls were recorded on their part. So they say. I cant wait till you hear what was said to me. 

Giving this complaint to PRA doesnt sound as if they will even be investigated by you. 
Im hearing this agency has no authority to enforce rules. Will you please pass this complaint onto the authorities that can really investigate wrong doing. Get their tapes and youve got em. They recorded our conversations.
Product: Credit reporting or other personal consumer reports

Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory accounts.
Product: Money transfer, virtual currency, or money service

Transfered money to a fraudulent account withtout knowing. bank of america won't protect me and do the right thing and give me my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$1500.00} After reviewing my credit report, I found several accounts that are not mine. Please remove these fraudulent accounts from my report as they are preventing me from securing credit. I do not recognize these accounts.
Product: Payday loan, title loan, or personal loan

Submitted coupons/remittance process and was denied.
Product: Debt collection

I received an email from XXXX, that there was something on my credit. That a debt collector has flagged my account. I opened the email and my credit was flagged by : Collection Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In the amount of {$1800.00} I immediately filed a dispute because I don't know who the company is that's trying to collect the debt. I don't know what the debt is for and I never received any communication from the company trying to collect the debt. XXXX said they were going to investigative the dispute and get back to me. When XXXX finished their investigation. XXXX just said that the debt would remain on my credit. I still don't know who the company is or why they're trying to collect a debt and for who. I'm assuming it could possibly be from XXXX. A medical clinic that I went to when I got hurt on my job, which would make that debt a workman 's compensation case. Which means this collection should have never been put on my credit to begin with. Again, I never received any communications from the company or debt collector. I never received an itemized bill for the services rendered or what services were rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX  XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, DEPT of ED/XXXX ; Account # XXXX, XXXXXXXX XXXX ; Account 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
Product: Debt collection

I have request that they cease & desist all contact regarding the alleged debt. They are still sending me post cards via mails & I am still receiving phone calls as of XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX XXXX since 2013 and never had any problems recently the contacted me by email to tell me my Transunion score had dropped 10 points in the last 30 days. 
that for me was a red flag since I had not done anything in the last 30 days to warrant such a drastic drop due to covid19. Nothing had changed and I have been paying my bills regularly. I called them to find out if there was suspicious activity or Fraud the representative stated no all your payments are on time and no inquiries this year but she could not tell my why there was such a discrepancy from the other 2 Credit reporting agencies. They were reporting a score of XXXX but Transunion had dropped from XXXX to XXXX in 30 days for no apparent reason. I was truly infuriated with them. She tried to blame XXXX XXXX saying they may not be reporting it correctly and said I could pull my report from their website to see my score. She also said it was a free report. So I did. And there was nothing on my report that had changed from any previous year only de bt being paid off which is a good thing for your score. however what did happen is I read that Transunion had purchased an identity theft security company and everytime I tried to get my score because it was not on my report it would make me sign up for this service at a rate of XXXX per month. I called several times with no help. I then mentioned that I had seen information on my report from a bankruptcy that was included and that it was against the law to do that.The rep stated that everytime I dispute incorrect information on my report that it will affect my SCORE and it could go down? WHAT? that is what we are suppose to do is check our information WHY would disputing that information make our score go down? 

I believe TRANSunion is purposely manipulating scores so that when you check on it by downloading your report to see your scores they make you sign up for their protection service monthly..Everywhere I clicked to try to get my score it never told me it was XXXX or let me sign up for a one time XXXX score report. It never gave me my score for free and it always forced me to sign up for the XXXX and it never told me how much I was paying in the end either. I had to go into my profile after the sign up to see how much I had paid for my score and it was monthly XXXX for the whole service. I then had to call them back to cancel and in the end realized that XXXX XXXX was accurate and the score had dropped by 10 points to XXXX for no reason. This is a scam on the part of TRAN
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is reporting a Rental Debt and it claims that I resided in the unit at the XXXX XXXX. However, despite my letter requesting Validation of the Debt, it will not send over a copy of the Rental Agreement bearing my original signature and/or any relevant document proving that I resided at the XXXX XXXX. Although the representatives are aware that no landlord-tenant existed, they refuse to remove the debt from my credit reports.
Product: Credit reporting or other personal consumer reports

( Cfpb ) has recently filed a lawsuit against Experian Equifax and Trans Union alleging, systematic issues such as failing to forward. Consumer provided evidence of furnishers accepting unreliable responses, and failing to adequately, notify consumers to dispute outcomes. These failures aligned with my experience were Experian Trans Union Equifax has neither corrected nor remove disputed items disputed the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the the disputed accounts as Experian, Trans Union Equifax in action, violates federal law and my right as a consumer.
Product: Bank account or service

I have a checking account at Wells Fargo bank which is currently negative. It has been so at various times in the past, and I always have brought it positive. It is at " the bank 's discretion '' whether or not to cover a charge when balance is negative. Being that a very important ACH withdrawal was due of {$220.00} from California Tax board, I called Wells Fargo Bank to see if they were going to cover it, as I saw the transaction listed as pending. I did make a deposit at the same time which did not make my balance positive, but brought it {$260.00} less negative. The representative I spoke with at XXXX EST XX/XX/XXXX ASSURED me - let me make that clear -- he ASSURED me that the payment would POST TODAY XX/XX/XXXX. He saw the deposit, he saw the {$220.00} charge pending for the tax payment and he ASSURED me that the payment was APPROVED and would POST TODAY. Based on this representative 's information, I did not borrow the funds needed to make my account positive, as he told me the payment was APPROVED. I have a check coming in from my employer on XXXX which I was going to deposit but I did n't want to take a chance and have this ACH bounce to California tax board. I called Wells Fargo today, the same number, customer service, when I did not see the payment in pending OR posted, and she gave me an entirely different story, saying that the bank was in the process of making a decision and that i would know later today what they decide. I was furious but polite. This is the same center at the same bank, I should not be receiving two completely different stories. Especially since because of the representative 's assurance yesterday, I did NOT seek to borrow the funds necessary. The man i spoke with yesterday CAUSED ME TO NOT TAKE ACTION IN OBTAINING AND DEPOSITING FUNDS SUCH THAT THE PAYMENT WOULD BE COVERED. This conversation is recorded and the bank can hear what he told me. I lodged a complaint today, case # XXXX. An hour after I got off the phone the payment showed as returned. They clearly did not listen to the conversation I had with the representative yesterday who told me THAT THE PAYMENT WAS GOING TO POST TODAY AND THAT I WAS GOOD TO GO, in his words. Pending outcome of your investigation I will be taking legal action against this bank, and will report continuously to consumer protection bank monitoring services how the bank lied to me through its representative, and then did not stand by its word. I could have addressed this situation. Let me make that point clear. I could have addressed the situation yesterday by simply borrowing the funds until Thursday, BUT I DID NOT MAKE AN ADDITIONAL DEPOSIT YESTERDAY BASED ON THE FACT THAT THE BANK REPRESENTATIVE TOLD ME THE PAYMENT WOULD BE PAID AND POSTED TODAY. The bank has now caused a serious tax problem for me and I will take legal action if this matter is not addressed. It should never depend on who the customer happens to get not he phone, what the bank policy is or what is or is not going to happen with a pending payment. Wells Fargo is the bank that lies to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

Got notice from XXXX on XX/XX/XXXX about SSN on dark web and I should request credit reports from XXXX, XXXX, and Equifax. Tried to log into Equifax. They said they would send me email verification. I was not getting it. Other option was text. I normally do not give cell number to anyone. Emergency use only. Since landline can't take text and email was not coming in, I gave cell. Got a call and tried code but their screens froze and went nowhere. Then I got a message back on screen that I already got a report but I NEVER got the report. I have no idea what Equifax has for me. It would not show on that CreditFreeScore either. This is not the first time I could not get my report from Equifax. I tried about 2 years ago and they asked so many questions that were from so many years ago that I would have to dig to find the info and then their system timed out. I just gave up at that time. After being forced to give them my cell on XX/XX/XXXX, now I got an email today from XXXX that my phone number is on the dark web. However, I have no idea which phone number. They don't tell that but since I never got the notice from my landline before, I can only assume it is my cell which I gave these credit agencies on XX/XX/XXXX even though I don't give out that number for just this reason. So upsetting. All these sevices need to have the landline call for verification. Not everyone uses email or texts, especially the elderly and we get scammed the most. With the way the Equifax website was responding and the fact that I could not get my report from them, and now my phone is on dark web, I fear they have a breach AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

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

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023.
Product: Credit card

I opened a cc with XXXX XXXX store XXXX  months ago the bank is XXXX. I've made payments every month and more than the minimum payment. My XXXX plan was up in XXXX which I did not know and at this time my balance was {$1900.00}. Now they added Interest Charges of {$2200.00} making my total {$4000.00}. I called them today and told them I would pay the {$1900.00} off today and even a late fee but I think the {$2200.00} is very excessive and they will not even try and work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.