23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reviewed my  XXXX  credit report dated   XXXX   XXXX  2017    and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$850.00} :  1.  I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX  ) credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement XXXX entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint though CFPB for the following reason : Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA. 

Equifax responded with : 1.a fraudulent statement through the XXXX website claiming to validated the debt. ( I filed a complaint against the alleged creditor ( XXXX XXXX ) and they were not able to produce the documents necessary to validate the alleged debt per FCRA and fair debt collection act, therefore, it is impossible for Equifax to have validated the debt. ) 2. They completely ignored the fact that they did not complete their initial investigation within 30 days as required by the fair credit reporting act. ( see first paragraph above for dates and details )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau failure to reply to 30 day complaint notice. XXXX Transunion, XXXX Credit Bureau listing in actual information that do not belong to my.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand correction and compensation for the incorrect and unverified late payment reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Incorrect Late Payment Reporting : My consumer report inaccurately shows late payments on three accounts, for which I was never late. These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

. 




Failure to Conduct Proper Investigation : Despite previous disputes, you have failed to provide proof of investigation or verification of these accounts, as required by 15 U.S.C. 1681i ( a ). The consumer reporting agencies have a responsibility to report consumer information with maximum accuracy as mandated by 15 U.S.C. 1681e ( b ).

I have included screenshots within this complaint showing the inaccuracies. Please investigate these accounts and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these entries be corrected to reflect " paid as agreed on time. '' Due to these inaccuracies and your failure to conduct proper investigations, I have suffered significant financial and emotional distress. Therefore, I am demanding compensation as follows : Financial Damages : {$15000.00} Emotional Distress : {$7500.00} Other Costs ( legal fees, higher interest rates, etc. ) : {$2500.00} Total Compensation : {$25000.00} Please correct these inaccuracies and remit payment of {$25000.00} within 30 days of this letter to avoid further legal action. Additionally, provide written confirmation of the corrections and documentation of your investigation. 

I trust this matter will be given immediate attention to resolve it amicably. 

Sincerely, XXXX
Product: Credit card or prepaid card

I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Experian date open XX/XX/2019 Past due XXXX Disputed
Product: Debt collection

I have been repeatedly called by Portfolio Recovery Services. They call me 5-10 times a day, from different numbers, which I keep blocking. They are also using a robot service to call and NEVER a human being after the first few weeks. 

I asked them to stop on the first 2-3 calls, and they have not. 

I also asked them to verify the debt and never receieved a letter stating who the original debt was owed to or where they had purchased it. 

At this point, I want a few things to happen, or I will be hiring an attorney to bring them to court and file a lawsuit :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. Equifax, XXXX and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXX XXXX XXXX
Product: Consumer Loan

On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car. 

On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home. 

For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance. 
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease. 

Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions
Product: Debt collection

this is not mine and I cant get a house due to this collection.
Product: Money transfer, virtual currency, or money service

Cash App has been a virtual currency application, which I have used for quite sometime. In XXXX, I purchased stock via this application and have not received any dividends. Just recently, I can't access my account XXXX XXXXXXXX to retrieve my money transfers. I called the company and they said, '' that it no longer exist. I did not put in a request to have it cancelled or stopped. This company has caused me undue hardship.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have noticed numerous inaccuracies regarding late payments and negative items on XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXXI would like all late payments with discrepancies to be deleted from my consumer report as well as all negative closed accounts. 

XXXX15 U.S.C 1681E ( Compliance Procedures ) Section B states 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. 

XXXX15 U.S.C 1681 ( A ) ( 2 ) ( A ) ( 1 ) Exclusions : States the consumer report does not include reports containing information solely as to transactions or experiences between consumer and the person making the report. 

XXXX15 U.S.C 6802 ( Obligations with respect to disclosure of personal information ) : states a financial institution may not directly or through any affiliate disclose to a non affiliated third party any non public personal information. 

*15U.S.C 1681section 602 ( A ) : States consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. 

XXXX15 U.S.C 1681 section 604 ( A ) : States a consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting

My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and 1 rate/term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My Equifax Vantage score has been between XXXX and XXXX last three months but when lender ran XXXX on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my mortgage interest rate a full point. 

I contacted " XXXX '' at Equifax ( XXXX - XXXX ) this evening and he could not provide a rationale for such a low score. XXXX would not provide an ID number or last name but told me my score was low because : Equifax counts utility company inquiries as " hard '' inquiries ; XXXX counts EVERY hard inquiry against the consumer - even when XXXX inquiries for the same purpose occurred on the same day. ( i.e., I was shopping for an auto loan and contacted XXXX potential lenders for a quote on the same day - Equifax counted this as XXXX hard inquiries for the year ). When I asked to speak with a supervisor XXXX put me on hold for an extended period and ultimately I was disconnected. 

My score should be much higher for all the effort I dedicate to caring for it. However, the lending industry 's shell game of having over " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 

Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model - a drop of nearly XXXX points. This is outrageous and Equifax can't/wo n't explain it. If there 's no valid explanation ( and how could there be? ) Equifax must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model. 

2. Equifax needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 

3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 

I need a response quickly if at all possible due to escrow closing XX/XX/XXXX. Facing a full % point increase if these reports are not corrected. All efforts you can manage to expedite action will be deeply appreciated.
Product: Credit card

Denied credit after providing social security number with application. 
Application number : XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : FEDERAL VIOLATIONS-. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party XXXX XXXX engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481  et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( XXXX ) by mishandling my information or failing to adhere to legal repossession practices. 

XXXX XXXX XXXX - Account Number - XXXX XXXX XXXX BANK - Account XXXX XXXX & XXXX Account Number- XXXX XXXX XXXX XXXX- Account Number - XXXX Notice of Legal Action-To resolve this matter and avoid escalation, I formally demand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Product: Payday loan

I took out a loan with Loanme in XXXX, the payments were coming out of my bank account automatically. I stopped that process in XXXX because i was experiencing hardship. The company agreed to me paying XXXX dollars for 3 months, which is XXXX. I continued making payments to the company, but they started harassing me, calling my phone 5 days a week, XXXX time a day for all types of reasons. I asked over again for them to stop calling, but to no avail. i even had a customer representative tell me she was not going to stop calling. This behavior of the company has caused me a lot of stress.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX Balance Owed : {$5300.00}
Product: Credit reporting or other personal consumer reports

Two XXXX  loan accounts from u.s. department of education appeared on my credit report. One is for {$1500.00}, the other {$870.00}. Both created on XX/XX/year>. I am not in XXXX  and my son is in XXXX grade XXXX  so no reason i would have these. I reached out to transunion to file the disputes claiming fraud. I was then advised to fill out a form here.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate.

15 u.s.c 1666B States that 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: Debt collection

Received a debt owed balance from Resurgent Capital Services L.P. also known as LVNV Funding LLC via mail XX/XX/XXXX. The amount listed is incorrect and the account number is incorrect. On XX/XX/XXXX I disputed this alleged debt via phone call with Resurgent Capital Services and informed the representative this is voided due to statute of limitations this alleged debt is beyond the 7-year mark period nor do I owe this debt. The Resurgent Capital Services L.P. also known as LVNV Funding LLC representative stated " it has not been 7 years '' which she is lying. I also disputed this alleged debt on XX/XX/XXXX via through the mail. My name is listed wrong also on this alleged debt. I never had a legal contract with Resurgent Capital Services L.P. also known as LVNV Funding LLC.

Per the statute of limitations, this alleged debt is beyond the 7-year mark period. 

Under Md. Code Ann., Comm. Law 2-725 Car loans : 4-Year statute of limitations The original creditor removed this debt from my credit report. 

This company Resurgent Capital Services XXXX also known as LVNV Funding LLC per court records has been shown countless times using false or misleading misrepresentations to collect credit card debt please look at this case XXXX XXXX LVNV Funding, LLC. In XXXX the United States Court of Appeals ruled that LVNV funding violated the FDCPA act the court case name for this was XXXX XXXX LVNV Funding, LLC. Other court cases include this company submitting false information to the credit reporting agencies.