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

I have sent multiple letters to Portfolio Recovery Associates asking them to validate a debt they claim I owe in the amount of {$11000.00}. 

The first letter I sent was on XX/XX/2022 via tracking # : XXXX XXXX XXXX XXXX XXXX. They responded to me with a bank statement. Which is not proper validation of a debt. I then sent them another letter via tracking # : XXXX XXXX XXXX XXXX XXXX on a second attempt for them to validate this alleged debt. They again responded with a credit card statement. 

They have not provided me with the required documentation they are supposed to have. 

They have not provided me with what the money I owe is for, a detailed explanation of how they calculated what they say I owe, any documentation bearing my wet ink signature that binds me to pay them, Proof that they are licensed to collect in my state, or their license and Registered Agent numbers. 

Not to mention I did not give them any written instruction to place this account on my consumer report and they have violated my privacy rights. 

As far as I am concerned, I do not owe this debt to Portfolio Recover Associates because there is no contract bearing my wet ink signature that I signed. This account needs to be removed from all of my consumer reports immediately.

Account Name : Portfolio Recovery Associates Account Number : XXXX
Product: Credit reporting

Upon checking my credit file with Transunion, I see that an account With XXXX has been removed and then reinserted between the week of XXXX through XXXX 2017. I have no legal binding contract with this collection agency. I would request that account in question be deleted permanently from TransunionXXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with both Equifax and XXXX XXXX XXXX, and I read the XXXX  XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. Equifax has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!
Product: Checking or savings account

I forgot my security password and nobody at customer support can help me without the password. My debit card is locked my account is inaccessible. I made a mobile deposit and now I can't withdraw any of my funds because of this. And nobody can even tell me why my account was locked to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.
Product: Money transfer, virtual currency, or money service

Sent to wrong person back then then tried to get it back but was denied because i had sent it already
Product: Debt collection

There is a class action settlement for the company that I had a loan with ( https : //www.awlsettlement.com/ ), they must have given my information to a collection agency. 
Alliant Capital Management LLC : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX - Toll Free : XXXX Fax : XXXX www.alliantcapital.net They are also calling my cell phone XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 2 ; it also a consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Vehicle loan or lease

i am the co signer on the car i have been trying to get in contact with owner ..can not find her she changed number and addressed. spoke to car loan people they won't work with me .credit acceptance said that i would have to speak to other owner. i asked if i can do a separated payment where i can get this car off my name i was told no they need full payments ... i still don't have a driver license.. this is bring down my credit daily. i don't see how we even got the car loan with our income
Product: Mortgage

I entered into a one time close construction loan with Washington Federal Savings Bank ( WAFD ) on XXXX XXXX, XXXX which converted into a mortgage when I got Certificate of Occupancy in XXXX XXXX. 

In XXXX and XXXX XXXX mechanics liens were filed on my home because the home builder did n't pay the subcontractors for services that was paid to the home builder via bank funds. 

Subsequently the bank and their attorney demanded that I satisfy the liens claiming I was in default. At no time have I ever been in default of the loan and have made payments on time. They were claiming default under section XXXX of the deed of trust which are liens attributable to the Property which can attain priority over this Security Instrument. 

Mechanics liens are always XXXX to the mortgage and would never attain priority. It specifically mentions I am required to discharge any lien which has priority over the deed. At no point was WAFD 's interest in jeopardy. 

Now the bank is forcing the payment of attorney fees related to this demand letter. I did not authorize or agree to their attorney 's services and I did not do anything to create the liens. They are passing a cost along to me, that was incurred while they were servicing the loan. 

I then consulted with my attorney and he confirmed liens do not take priority over the deed of trust. The deed of trust would take priority over the mechanic 's lien as long as it was XXXX recorded. Now a junior lien holder can file for foreclosure but the property would be sold subject to the XXXX lien ( in this case the deed of trust ). The only way the mechanic 's lien would take first position over the deed of trust would be if all parties sign a document granting the mechanic 's lien XXXX priority over the deed of trust ( the deed of trust lender would have to sign off on this as well ). 

The mechanics lien holders would only be able to foreclose based upon the deed of trust and as long as I was current in my loan obligations this would never happen. This is exactly the conversation I had with XXXX XXXX. XXXX said you do n't have to worry about those liens as long as you 're current on your mortgage and I could later get those liens removed. For residential projects, the deadline to enforce a lien is 1 year from the last available day to file the lien or 1 year from the completion of the work ( whichever is later ). In XXXX XXXX all the liens would be unenforceable and I would be able to get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX reported XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX reported XXXX XXXX XXXXXXXX XXXX reported XXXX XXXX ; XXXX XXXX XXXX XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/XXXX XXXX
Product: Bank account or service

On XXXX I became aware that a recently terminated office manager who had been employed by my company, XXXX XXXX XXXX : XXXX for approximately 1 yr had fraudulently used my debit card for a {$99.00} purchase. This person also forged a payroll check for {$2200.00} ( see XXXX ) This person also generated a fraudulent check ( see XXXX ) from a customer for deposit into our business account in the hopes of ( a ) getting paid a commission on said check or ( b ) intentionally over drafting my account, which it did. On XXXX I reported these fraudulent transactions to XXXX XXXX, Suntrust Branch Manager at XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX PH XXXX Fax XXXX because XXXX of the items had not cleared she suggested I check back in a few days. On XXXX I filed a police report with the XXXX Police Dept. ( see XXXX ) I then presented same report to XXXX XXXX a banker at the same Suntrust location to be forwarded along with check information to Suntrust 's security office. Both XXXX XXXX and XXXX XXXX were very helpful in retrieving images of the checks in question and assisting me in gathering documents. As of this date I have had no contact from Suntrust security or any other Suntrust representative regarding this identity theft and fraudulent checks in question. Suntrust did cancel my debit card, and issued credit of {$99.00} for the fraudulent use of my debit card but at this time my account still remains overdrawn due to the illegal checks being processed which is preventing me from doing future business through said account.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXXXXXX 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 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
Product: Mortgage

I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXT 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.
Product: Checking or savings account

From XX/XX/XXXX, XXXX- XX/XX/2020 I noticed that my card was blocked at the end of XX/XX/XXXX. I was sent a letter on XX/XX/XXXX that they would soon be closing my accounts and wouldn't have any access to my funds.Apparently, there were deposits made to my account that were not associated with my account name, which flagged the fraud department I believe. However, I was told in order to lift the block from my account I was to bring proof to the Chase Branch that I was to receive these deposits. However, they never clarified what type of documents to bring in. These deposits ( $ XXXX ) were made as a wire transfer I believe. But, I was under the impression that any wire deposits or any deposits made to my account by another person would be verified by the bank. After that I was told that Chase would end their relationship with me and would soon close my account after review and would mail a check with my remaining balance. However, because I used the funds deposited in my account that weren't associated with my name I would be responsible to pay back that amount. But, I was told that my account would be sent to collections to set up payment. The issue is that all the money I had was put in Chase bank and I have no source of income now. I wanted my money that I had before the deposits were made. The original balance of my account before this was about ( $ XXXX-XXXX ) that I had saved and was a part of my unemployment that I had received. I asked if I could have my final deposits and then set up a payment plan with collections, if I was to repay back the bank. But, it seems that Chase has taken all the money in my account without providing a payment option. This has left me with no money to my name and it seems more realistic to provide the consumer with their remaining funds and to set up a payment plan with collections rather than to take all the remaining balance of an account. The representative on the phone that I spoke with could not help me or provide me with any clear answers. I would hope that I could just have my life savings back and set up a payment plan with Chase rather than being cleared out of all my money as I am currently unemployed especially during this pandemic with no other form of income than what I had in my Chase bank account. I am waiting to see if I will even receive any money back from Chase and the wait times to speak with anyone are over an hour.
Product: Credit card or prepaid card

Way2go has claimed to transfer new unemployment deposit, although the bank has not yet received the money but is REFUSING to effect or permit the transfer of withheld monies issued to them prior to my original complaint. I tried to make a single transfer rather than recurring to move the {$820.00} but Way2 go refuses to permit it as a recurring order exists. They have isolated to retain the original deposit accumulated solely because they issued the cards weeks later than directed according to unemployment notices.
Product: Credit card or prepaid card

I spoke with Master card about a XXXX feature XXXX has a feature called " XXXX XXXX Billing Updater ( XXXX ) '' that automatically updates merchants with replaced virtual card numbers to maintain continuity of recurring payments. If the customer has opted in for this feature with XXXX, any time we replace their virtual card number to try and stop merchants from making reoccurring transactions, XXXX will continue to update these merchants with the new number and they will continue to be charged. 

Those are the exact words from the XXXX XXXX representative. 

Not only do they share my card information with third party companies but they do NOT provide any way of me from stopping this feature or blocking the cancelled subscription!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. TransUnion is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. TransUnion has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. TransUnion has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) 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 '' TransUnion has included such accounts on my consumer report. TransUnion is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' TransUnion has included such account in my consumer report. I DEMANDED removal of these accounts and TransUnion has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i TransUnion to provide the NAMES & ADDRESSES OF THE PEOPLE THE PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If TransUnion CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY for conducting a none requested Fraud Reinvestigation. TransUnion is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit account 2 years ago, with all 6 major Credit Bureaus, ( Equifax, XXXX, XXXX, XXXX, XXXX, and XXXX ). When I attempted to unfreeze them, most went right through. 

However EQUIFAX after having stated that the freeze was lifted, continues to report to my creditors that my credit is frozen. They report to me that it is lifted, and that no fraud alerts or any other blocks are in place, but tell XXXX XXXX and XXXX XXXX XXXX XXXX, I am frozen which is costing me a lot of money in extra fees. 

Please help ASAP!
Product: Credit reporting or other personal consumer reports

Consumer requests Methods of Verification from all three CRA Under FCRA from XXXX XXXX payment history and all documents submitted within 15 days by mail or email. Consumer has requested documentation from original creditor and CRA both companies violated FCRA if not noncompliance under section FCRA B 616.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX  filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Payday loan, title loan, or personal loan

I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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/year>