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

Portfolio Recovery Associates have failed to provide the following after continuously sending me letters claiming they would no longer respond to my requests and the matter was closed in their opinion. 
This matter is NOT closed! 
They have failed to provide me with any original documentation and a co tract with my signature on it!

They failed to provide ANY of the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law 7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

PRC havS NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
Product: Debt collection

Below is the e-mail sent from XXXX XXXX regarding the account that is now listed on my credit as derogatory. I have been dealing with this for more than a year. I have personally gone by their office to pick up the form that XXXX is requesting with no luck. I also have the letter sent to them regarding all times and dates of attempted contact. They are provided as attachments. When does it stop and what can I do about the harassment? 
Hi XXXX, Attached is a Final Notice letter which outlines the attempts made to XXXX XXXX XXXX, XXXX XXXX XXXX and Meade & Associates Inc. Ive also attached the bill return letter that was sent to Meade & Associates Inc on XX/XX/XXXX. 
The outstanding balance is {$210.00} {$51.00} for date of service XX/XX/XXXX {$150.00} for date of service XX/XX/XXXX The providers have all been given the needed information for billing purposes. 
Claim number XXXX Claims Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Claims Adjuster : XXXX XXXX Claims Adjuster Contact : Phone : XXXX and Fax : XXXX Providers contact information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX P : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Acct No XXXX P : XXXX -- - XXXX is the supervisor. 
Meade & Associates INC XXXX XXXX XXXX XXXX XXXX, OH XXXX Acct No XXXX XXXX -- - XXXX is the contact handling the file. XXXX ( at same number ) is the reported supervisor. 
As outlined in the letter, I have referenced the KY XXXX XXXX statue which states the provider can not balance bill the injured worker and the statute which states providers have 45 days from the date of service to provide billing information for payment. -- -- I have attached the full statute for your reference. 
If you need anything additional from me please let me know how I can help resolve this ongoing issue. 
XXXX XXXX | XXXX | Claim Representative, Medical Only Claim Adjuster XXXX XXXX XXXX XXXX, KY XXXX XXXX ext XXXX phone XXXX fax XXXX email XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.
Product: Credit card

Timely payments on this account have always been my priority, ensuring that they never fall behind schedule. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be applied.
Product: Mortgage

Our mortgage service, Shellpoint, failed to pay our property taxes due to XXXX XXXX in the amount of {$3200.00} by the close of the discount window on XX/XX/year>. Shellpoints customer service representatives, Shellpoints automated phone service and Shellpoints online portal all indicated that a payment would be issued on or before XX/XX/year>. Funds were held in escrow for this purpose. However, as of XX/XX/year>, no payment has been issued. As we are now out of the discount window, the total payment due to XXXX XXXX is now {$3200.00}. 

I called Shellpoint. Additionally, I sent Shellpoint two notices of error. The first was forwarded, as their address had changed. The second was received, but not acknowledged. Both included the relevant details and had attached with them the property tax bills from XXXX XXXX. I recently received a reminder notice from XXXX XXXX that my property taxes were still unpaid.
Product: Debt collection

XXXX XXXX  XXXX has a collection on my account in the amount of XXXX XXXX They purchased this dept XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are five hard inquiries on my XXXX  Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) Jpmcb - card service 2 ) XXXX XXXX 3 ) XXXX  XXXX, XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on XXXX and Experian for the month of [XX/XX/2024 ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from XXXX, showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my credit score and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Date XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my XXXX and TransUnion report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXXXXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative stated that " no such law exist ''. I informed the representative that I will be forwarding over supporting documents in writing by via XXXX Certified Mail on XX/XX/2021.
Product: Debt collection

I have disputed with this company numerous times. this is my second time sending a complaint to cfpb, the first time they removed it. now they have reported on my credit AGAIN. they have my police report, son, drivers license. they refuse to remove.
Product: Prepaid card

I was gifted an American Express gift card of {$100.00} and I was under the impression that it can be spent anywhere and anytime. I was very disappointed to find out that the money within the card isn't available to spend online and only in person.
Product: Credit reporting or other personal consumer reports

I noticed inquires that were not authorized by me and seem to be fraud. 

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

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX XXXX. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.
Product: Consumer Loan

When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.
Product: Debt or credit management

The company first tried to force some type of credit insurance which they later called XXXX XXXX, I showed them I had insurance, A week later they tried to force Life insurance on me which I had to fight to not get about a week later I received a new statement saying I owe {$8300.00} from the original {$900.00} owed.So I went to the company for an explanation of the amount difference and they could not explain it so I for item to pick up and inventoried so we would know exactly what I do have.I was told they could not pick it up I would have to bring it in.So I feel like they tried to force me to take the insurance and when I didn't they raised the amount on me.None of this was discussed during my first purchased.I received the new payment amount on XXXX, on XXXX went to the place of business to try to clear it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need it to be held accountable & have the account blocked/removed : XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}. 
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first communication with XXXX XXXX, XXXX was XX/XX/21. The second time was XX/XX/21. The third time communicating with XXXX XXXX XXXX was XX/XX/21. 

I requested XXXX XXXX, inc to provide me their method of verification and inaccurate information because the bankruptcy XXXX is reporting unlawfully and sharing to the TransUnion credit agency, and breaking the law. XXXX is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts XXXX XXXX, and the website of Pacer.gov. 

XXXX XXXX XXXX XXXX broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

XXXX XXXX XXXX XXXX Reply me with the same copy paste letter tree times.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair credit reporting act 15 USC 1681 section 602 a explains, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Early Warning Services is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6810 which says, It is the policy of the 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 non public personal information. Early Warning Services is a financial institution by definition under that title. 15 USC 1781 section 604 ( a ), section ( 2 ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Early Warning Services does not have my consent to furnish this information and they definitely dont have my written consent. Any and all consent to Early Warning Services, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a non-affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. Early Warning Services never informed me of my right to exercise my non-disclosure option. Also, 15 USC 1681 C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than the records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, which is reporting without my permission ( which is against the law ). 15 US code 1681s-2 ( a ) ( 1 ) A states 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.15 US code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Early Warning Services are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I would like to opt out of Early Warning Services.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

LastXX/XX/2021 I've sent documentation for those inaccurate and unknown accounts on my credit report. it's 30 days now since I've sent those but I've never received yet any response. I demand to REMOVE ASAP those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this secured credit card account closed back in XXXX of XXXX. According to U.S Bank XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.