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

A follow suit letter was sent out to Equifax on XX/XX/23 to remove item XXXX XXXX  ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and XXXX on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE TRIED TO DISPUTE ITEMS ON CREDIT REPORT BUT NO RESPONSE.
Product: Vehicle loan or lease

This account was paid in full on XX/XX/2018 ( acct XXXX ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX. I received an alert from my credit reporting agency that XXXX has reported it 30 days late even though it has a " XXXX '' balance. This reporting inaccuracy has caused my credit score to drop by 22 points!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 the information is inaccurate.
Product: Money transfers

I have been using Western Union for many years to send money to my daughter and her mother XXXX. As of late the service is horrible, insulting and untruthful. I tried to send to yesterday and they said they had to put it on hold for at least 2 hrs due to her side. They give us the tracking number, take the money and then come back by at least 2hrs later saying they ca n't send the money due to her side. So now they have my money on hold for at the most 3-5 business days. Eventually it gets refunded but it just seems like a scam to somehow hold my money for an extent of time and then return it. It has happened several times the last few days and when I call to ask why they wont tell me. XXXX its her acct and not mine. Western Union just seems very fishy as of late.
Product: Debt collection

For the past year, Portfolio Recovery Associates ( PRA ) has been calling me every single day from different phone numbers, often multiple times a daysometimes up to 10 times per day. These calls have become disruptive to both my XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX  as I rely on my phone for work-related communications. 

I have repeatedly blocked their numbers, but they continue calling from new ones, making it impossible to stop the harassment. The sheer volume and frequency of these calls have significantly interfered with my ability to focus, conduct my work efficiently, and maintain peace of mind. 

Despite never receiving proper validation of the alleged debt, PRA persists in their aggressive collection tactics. Their constant calls constitute harassment and an invasion of my privacy, causing unnecessary stress and distraction from my academic and professional responsibilities. 

Dates & Actions Taken : Over the last year ( continuous harassment ) Calls occur every single day, sometimes up to 10 times a day Blocked numerous numbers, but they continue using different ones No proper validation of the alleged debt has been provided Despite my efforts to stop the calls, they persist This excessive and relentless behavior appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits repeated or harassing calls. I request that this issue be formally addressed, and that Portfolio Recovery Associates cease all contact with me immediately unless they can provide proper, verifiable proof of any alleged debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, TransUnion, and XXXX to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, TransUnion and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX or XXXX so as I requested again the due diligence is on the XXXX XXXX to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX 

I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact.

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Product: Credit card

I bought an account for a game on XXXX. The seller of the account then took the account back, he changed the account details and locked me out of everything. He then denied stealing the account back from me, and the XXXX support ruled in favor for the seller in the internal review. 

I then disputed with Capital One for {$240.00}. Capital One took a month and ruled the dispute in the favor of the seller, so I have to pay the full amount. I appealed the dispute with documents showing I did not have access to the account, and Capital One denied my appeal again. 

Also, the platform, XXXX BANNED my account so I can't even appeal my order on their platform.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX 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: Debt collection

CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Has placed the exact same Odious Debt upon my Credit Reports, which I just recently compelled them to remove from my credit reports. They agreed in writing here to the CFPB, Consumer Adjustment Company , Inc. ( CACi ) has requested the validation documentation related to this account from the creditor. Once this information is received it will be forwarded to you. Attached with this response please find a copy of the initial notice that was sent to you via United States Postal Service. This copy has been redacted to protect your personal information. As a courtesy, while we await the documentation from the creditor, CACi has sent notification to the credit reporting agencies to remove this account from your credit report. Please allow up to 30 days for the credit reporting agencies to update their records. Should you have any questions or need further assistance, please contact our office directly at XXXX or email us at XXXX. 

Yet, in less than 2 weeks after removing the fraudulent debt, they criminally placed the odious debt back on my credit reports! They have never contacted me writing to validate the alleged debt!
Product: Credit reporting or other personal consumer reports

I have been going back and forth with all three consumer reporting agency 's XXXX Experian and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My husband and I had an Identity Theft problem which effected several areas, someone had taken payday loans out of our local bank, this was resolved by the bank internally, and the bank drew back over {$5000.00} from the payday loan companies to replace the money they had taken. Several credit card companies also harrassed us for some time, we reported the problem to the Federal Trade Commission, the A.G. office, and we filed Identity theft forms with several agencies. XXXX XXXX has now filed a lawsuit on a credir card company, Capital One who wrote off the claim, and sold collection rights XXXX XXXX XXXX. The XXXX XXXX from Capital One was issued in XX/XX/XXXX, that is the card that we are being sued for an amount of about {$1800.00}. Capital One issued a Capital One credit card to my wife in XX/XX/XXXX, why would the same credit card company issue another card when the other card, different number issued again in XX/XX/XXXX. We asked XXXX XXXX to produce a signed application document with Capital One to prove that my wife never signed for the credit card we are being sued for, they never provided this or a complete paper trail we asked for, what else can we do? 

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

My credit score has been lowered by Equifax and XXXX  approximately 20 pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.
Product: Bank account or service

I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance, it was suppose to close 7 days later. This was XX/XX/2016, today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars, did bank fees cause this? More fraudulent charges? They ca n't tell me why, they are '' looking into it ''. To add insult to injury, I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the " transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally " closed '' my compromised account and card services that issued me a new debit card for an inactive, compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful, do not bank with this company!!!!!! There are so many banks out there, I am sure I can find one that is willing to protect their customers.
Product: Credit reporting or other personal consumer reports

XXXX is reporting false information to the credit bureaus. They are reporting that my account is XXXX XXXX late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Product: Vehicle loan or lease

Honda Financials payoff - I traded in my Honda leased car with XXXX XXXX. the payoff of XXXX was mailed out on XX/XX/XXXX. 
Later that month when I checked if the payoff was posted I saw an outstanding balance for Property tax posted for the amount of XXXX and I paid that off immediately to expedite the payoff process on XX/XX/XXXX. On XX/XX/XXXX my payoff had still not posted and I called customer service and was informed the payoff was short of XXXX dollars which I immediately paid as well. I was told the payoff will now go through in 3 business days.

I called back on XX/XX/XXXX asking why my payoff has still not been posted and was informed someone is still working on it. I called back on XX/XX/XXXX and was told someone is still working on it. I called back today XX/XX/XXXX and am being told the same answer. When I got frustrated the representative tells me this is not affecting my credit in any way. How can I be sure? If I went for a loan today will this balance be on my credit report as outstanding or not? Am i showing late payment for XX/XX/XXXX since the payoff is taking more than a month to go through. I am not given a good or reasonable answer as to why there is a delay in closing my account? All they keep saying for more than 3 weeks is we are reversing and reapplying payments for the payoff. Please advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Disputed My Personal Information Such As My Name, Employer, Etc. With Experian, XXXX, XXXX, But They Keep Refusing To Fix It According To 15 USC 1681 I Did Not Give Anyone Written Permission To FURNISH It In My Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX was not the original creditor but acquired the loan from XXXX XXXX XXXX XXXX XXXX whom was shut down. The credit union was shut down abruptly due to their negligence and not following laws pertaining to loan qualifications and fraudulent transactions within their company. This affected many consumers as they were shut down without consumers having any notice. There was no way to pay on the loans and nobody informed consumers for the longest time as to what happened with the loans or where to make further payments. This put a hinder on my credit and as time went by with the XXXX XXXX XXXX XXXX being closed and not knowing where to make payments etc and the fraudulent activity made by the credit union had my account balance building up quickly and past due amount built up to where being so far behind was hard to catch up. State bridge acquired this account knowing the circumstances as it affected many people. They reported negative information on my credit report once they acquired the account. I feel that this was not fair to have these negative remarks due to unfortunate circumstances caused by the XXXX XXXX XXXX XXXX XXXX and their fraudulent behaviors. This has hindered me in moving forward financially from this situation. I should not be punished and I have reached out and made a claim against XXXX XXXX XXXX XXXX but now that state bridge inherited these accounts I need state bridge to make this situation right on their end.
Product: Debt collection

The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX. Here is the tracking number XXXX. I sent the letter to remove personal information that I do not want on my consumer report. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 


I sent a complaint to the cfpb about Experians refusal to remove the personal information that I do not want on my consumer report and this is the response I got back after they removed only 2 of the address 's requested to be removed and none of the names. 

1st Part of Experians response Please note that we store personal information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report the address and name listings and they are a part of your credit history. If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. 

According to FCRA 15 USC 1681b ( a ) ( 2 ) Permissible purposes of consumer reports 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.

I the consumer did not give Experian written instructions to furnish this information on my consumer report. 

2nd part of Experians response You did not provide proof of your identity. According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. Therefore, we are declining your request to block one three addresses. If you have additional relevant information that indicates that the disputed items resulted from identity theft, please contact us again and provide this information. 

In the dispute letter, I sent on XX/XX/2022 I made sure to enclose a copy of my driver 's license as proof of Identity and my utility water bill as proof of address. It appears that Experian has lost my identifiable documents enclosed in the letter or purposely did not remove the information as retaliation for my complaint. I will attach a copy of the enclosed identifiable documents along with the letter I sent on XX/XX/XXXX. 


Experian is in clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account with out my written instructions.
Product: Payday loan, title loan, or personal loan

I applied for the loan but wasnt approved because I dont have credit