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

Dispute of Inaccurate Information and Potential FDCPA Violations Subject : Portfolio Recovery Associates- Dispute Regarding Inaccurate Information on Credit Report Account Details : Creditor Name : Portfolio Recovery Associates Open Balance : {$470.00} Date Opened : XX/XX/year> Type of Account : Collection Creditor Information : Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Explanation of Dispute : I am submitting this dispute to formally address inaccuracies regarding an account reported by Portfolio Recovery Associates on my credit report. Additionally, I am raising concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692c - Communication in connection with debt collection.

Here are the key issues : 1. Verification and Validation of the Debt : I have not received adequate validation or documentation verifying the validity of this debt as required under the FDCPA. Without proper validation, this debt should not be reported. 
The information reported, including the balance and account status, appears to be inconsistent with the original creditors records.

2. Potential Violations of Communication Standards : Under 15 U.S. Code 1692c, Portfolio Recovery Associates must ensure all communications are compliant with federal law. Any improper communication or failure to respect my rights regarding debt validation undermines the legitimacy of this account.

3. Inaccurate Reporting : Based on my records, I believe the information on this account is inaccurate and unverifiable. As such, I request that this account be investigated and corrected or removed if inaccuracies are found.

Requested Resolution : I request the following actions : 1. Conduct a thorough investigation into the accuracy of this account.

2. Provide written confirmation that the debt has been verified and validated according to FDCPA and FCRA standards.

3. Remove any information that is inaccurate, unverifiable, or outdated.

Additional Notes : Please note that Portfolio Recovery Associates must comply with 15 U.S. Code 1692c in all future communications, including respecting my right to dispute this debt and the requirements for proper validation under 15 U.S. Code 1692g.

Thank you for your attention to this matter. I expect a resolution in accordance with the Fair Credit Reporting Act ( FCRA ) and FDCPA guidelines within the 30-day timeframe required by law. 

If further information is required, I can be contacted at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX -block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX I am writing to formally dispute the accuracy of certain information listed on my credit report. I have reviewed the report, and I believe that there are several errors and discrepancies that require immediate attention and correction. As a responsible consumer, I am committed to maintaining accurate credit information, and I kindly request your assistance in resolving these issues. 

Below, I have outlined the inaccurate information as it appears on my credit report : XXXX. Date of Inquiry : XXXX XXXX, XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX. Date of XXXX : XXXX. XXXX, XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I kindly request that you thoroughly investigate these matters and make the necessary corrections to my credit report as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and expect a prompt investigation. I also request that you provide me with a written confirmation of the results of your investigation and any changes made to my credit report within the legally mandated timeframe. 

Furthermore, I request that you notify all creditors who have received my credit report within the past six months of the disputed information and provide them with the updated and accurate information once the investigation is complete. 

I understand that you may require additional information or documentation to resolve this dispute. Please let me know if there are any further steps I need to take or any additional forms I need to complete to facilitate this process. 

I appreciate your prompt attention to this matter and your commitment to maintaining accurate consumer credit information. Please contact me at your earliest convenience to confirm receipt of this dispute and to provide me with any updates regarding the investigation. 

Thank you for your cooperation. I look forward to a swift resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have 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.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

My account was locked and then closed by Citibank. I received an account closing notification letter from Citibank fraud department on XX/XX/XXXX saying that Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other related Citibank accounts. I still have about {$24000.00} in my account at the time they locked my account. The letter also mentions that Citibank will issue me an official check after the closure. They closed my account 3 months later on XX/XX/XXXX. I called Citibank multiple times and to check the status of my money like when can I get my money back. They kept telling me they will issue the money back. However, today XXXX XX/XX/XXXX XXXX, when I called the Citibank again and they told me the XXXX {$24000.00} on my account doesnt belong to me and they will not send the money back. I asked the reason why but they cant provide a legit reason and told me thats the decision of the review. I cant believe that they will hold my money and not giving me back. Every single transaction in my account is legit and then I lost XXXX {$24000.00} for no reason? I need help from CFPB to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I contacted XXXX XXXX with Homestead Funding ( XXXX ) by phone to inquire about interest rates to refinance my mortgage. I was very specific that I was in the process of comparing rates with banks and closing cost fees. I provided him my credit score that I had run through XXXX  on XX/XX/21. He collected all of my contact and personal information and said he would send an email with the rates and terms he could offer. 

A couple hours later I received an email from his secretary/assistant ( XXXX XXXX ) with a lengthy list of items that they wanted to me submit, including drivers license, SS card, past 2 years of W2 's, income taxes, 2 months of bank statements and pay stubs, etc. I emailed the assistant and XXXX reiterating I was only looking to compare rates and closing costs if I were to pursue a loan with Homestead Funding ... .and did not think that information was necessary for an estimate. 

A week later I received a credit score report from Homestead Funding mailed to my home address. I contact XXXX via phone and email and told him I never consented to a credit inquiry. He reassured me it was a " soft credit pull '' and would not affect my credit score and did not need consent for him to do. I also emailed him a copy of the credit report I received in the mail. He insisted it was a soft inquiry.

On 7/8 I checked my XXXX  account and realized Homestead Funding made a hard credit inquiry on XX/XX/21. I contacted XXXX with that documentation and reiterated that this was done without consent. He continued to insist it was a soft credit pull but he would have it removed. 

Since then, I've repeatedly emailed XXXX telling him this has not been removed and I would pursue filing a complaint if it is not remediated. 

On XX/XX/21 I received an email response from XXXX 's email address but it says the following : Hello XXXX, My Name is XXXX XXXX and I am monitoring XXXX  Emails as he does not work here any longer as he has moved out of state. Please call me at XXXX so I can go over with you. 

Look forward to speaking with you. 
Thanks I find this suspicious. I have not responded nor called XXXX XXXX. The unauthorized credit inquiry made by Homestead Funding has not been removed from my credit report to this day.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. 
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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXXXXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) XXXX 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXXXXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting XXXXXXXX XXXX XXXX statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from Trans Union. They said to call them. 

Trans Union- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, XXXX was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is Trans Union giving my credit score information to XXXX? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?
Product: Student loan

This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years.
Product: Credit card or prepaid card

My experience with Capital One Bank Credit Card Department has been completely horrendous. I applied for a Spark Classic Business XXXX Credit Card. 

I was then prompted with a 7-10 day response afterwards I called in to see what needs to be done and I was told to send in identity documents I did such. I then received a letter in the mail requesting business documents plus the letter and I sent in such.

After waiting well over two weeks I call in again to be told the card was finally approved. It took a few days and I finally received my card in the mail and when I tried to activate it I was yet again prompted to submit identification documents after sending a plethora of them already I was AGAIN asked to send the same documents in.

Beyond frustrated I voiced my concerns after submitting them and I was told it would be resolved. 

Now tonight I received a call from Capital One informing me that the business card can not be activated due to a " discrepancy '' I 'm just completely blown away by how Capital One has treated me here and I thought I was beginning a credit card relationship for my business and also personally as I also have a pending personal credit card application as well. 

Im just truly shocked and appalled by these actions from Capital One Bank.
Product: Mortgage

I called Plaza Home Mortgage after my lender shared I have the right to request ( XXXX ) supplemental tax payment from my escrow account. 
I made the call to put in the request on XX/XX/XXXX and XX/XX/2022 and per my notes, I made follow calls and emails regarding the payment. The bill was due by XX/XX/XXXX. I was told it would be taken care of in 5-10 business days and it wasn't. I see dates in my notes of : XXXX and XXXX and XXXX XXXX : XXXX, letters ' from XXXX dating XXXX, an email from them on XXXX actually stating, don't worry, we are preparing the payment. an email on XXXX and XXXX and XXXX. Not only did they pay the whole year when it was only supposed to be the 1st of 2 installments but they paid it so late, they paid {$460.00} from MY escrow account in late fees. It would not have been late had they processed my request from the very beginning or when I made follow up calls and sent emails. they took so long, i have late tax fees on my record and charged them to my escrow account that I did not authorize. They owe me a refund of late fees in the amount of {$460.00}. They made an expensive error and are charging me for it claiming their policy isn't to pay supplemental taxes. However I do have the right to request one ( 1 ) payment and I requested it in a timely manner. They took months to address despite assurances from every customer service rep and escalation manager I have spoken to.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  & XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXX  Date of XXXX XX/XX/2024, XXXXDate of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024XX/XX/year> & XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Closed XXXX Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit $ 5300 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit $ 3800 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit $ 1300 Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  XXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit $ 1000 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit $ 2000 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed