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

I looked on my credit report and noticed that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Equifax to repost anything on my consumer report. Without my consent Equifax has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Equifax, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Equifax are for {$1000.00} dollars per violation
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a collection account that I have no knowledge of, which was recently brought to court. The account was filed in the courts of XXXX, Texas, and after reviewing the case, the judge ruled in my favor, dismissing the case entirely. 



I had no prior knowledge or notice of this alleged debt, and I believe the collection account is either inaccurate or not mine. Despite my lack of familiarity with the account, the case was taken to court, where I was able to present my position. The judge agreed with my arguments, and as a result, the case was dismissed. 



I am concerned that this collection account is still being reported on my credit or is being pursued incorrectly, and I am requesting that this matter be investigated and resolved in accordance with the law. 



Please find attached any relevant documentation, including the courts judgment of dismissal, for your review. 



Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I can not verify my Pnc bank acct using the XXXX browser through XXXX which is causing me not to get my crypto earnings which is anywhere from $ XXXX {$200.00} a month. Please allow XXXX  to verify from XXXX it is hands down the best browser. I also can not use uphold with my debit nor routing and account number which is the virtual wallet used with XXXX
Product: Checking or savings account

Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Return Transactions Tran Type Check Check Balance Information : Month/Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Balance {$0.00} {$0.00} {$1000.00} Check Number Amount Return Reason Account Closed Account Closed where is my retuned check?
Product: Credit reporting or other personal consumer reports

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following Account NameXXXX Account Number_ XXXX Original Creditor_ XXXX Date of Alleged Late Payment_ XX/XX/year> This account was closed and paid in full on XX/XX/year>. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter. 

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

I, XXXX XXXX have contacted XXXX on multiple occasions to make them aware of false information on my credit report. Ive asked for these inquiries to be removed, being that I have no recollection of inquiring with any of the companies listed below nor did I authorize these inquiries. 

- XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX I would like these removed immediately as you are recording to my credit false information.
Product: Credit card or prepaid card

XX/XX/2022 charge for {$1500.00}, unauthorized charge from a website XXXX XXXX XXXX with Citibank Costco XXXX card. 

I disputed this charge with the company and the dispute was denied on my behalf with no explanation given. This is simply unacceptable for a high charge like that, that I NEVER authorized.
Product: Mortgage

After 3 weeks of attempting to get a Payoff Statement, I paid my XX/XX/XXXX mortgage payment via electronic payment of {$17000.00} to Dovenmuehle Mortgage on XX/XX/XXXX with a memo {$40.00} interest {$17000.00} principal. I had thought they would send me any balance owed on my next/final statement. 

When I checked to see my mortgage balance on the following day Dovenmuehle Mortgage rejected the payment for not following proper payoff procedures. 

On Thursday XX/XX/XXXX ( XXXX EDT ), I contacted customer service and was told my payment would be returned electronically on Friday XX/XX/XXXX ( XXXX EDT ). I didnt receive it and called customer service who researched it and said there is a delay because of the clearinghouse so my payment would be in my bank on Monday XX/XX/XXXX. 

Funds were still not received on Monday XX/XX/XXXX ( XXXX EDT ), I contacted them again and was told my payment would be returned by end of business day Tuesday XX/XX/XXXX. 

I still have not received the funds. Please help in having my {$17000.00} returned.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Product: Credit card or prepaid card

I have had several credit cards comprised threw out 2021.some transactions have been fixed but still continues to happen now my credit is ruined.most of which don't understand English and nothing has been done so I gave up.i asked to be canceled and they said it could not happen until balances were paid in full.cards were as follow Aspire XXXX XXXX XXXX XXXX XXXX XXXX And there was also one opened in my name that I kept getting turned down for even with a pre-approval. Turns out it went to collections and they said I have had it since XXXXmy credit is ruined and nowhere to turn XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.
Product: Student loan

Recently received account history from Navient, but it's missing critical dates from XX/XX/2003 - XX/XX/2003 which is when the original consolidation took place. 

I need information from XX/XX/2003 - XX/XX/2003 without redactions which reflects the time when the consolidation took place from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a zero balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Checking or savings account

Saw a text asking if I authorize the transaction of {$3200.00} and {$670.00} on XXXX - XXXX, I saw the text after I left work and I did not purchase anything using that debt card. That debit card or checking account are used as emergency fund. Replied the text that it was not me and call the bank right away. The Wells Fargo staff told me no need to worry they will get my money back. I do not know how the scammer got my card and my PIN number. These charges were done somewhere in XXXX  XXXX while I was working in XXXX XXXX TEXAS all day. 

I just got letter from Wells Fargo today that they are not going to get my money back because PIN number was used. BUT I did not do that and I do not believe that is fair. My emergency fund just gone like that, and how am I going to trust the second card they sent me.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - XX/XX/2024 : Time for the background report || XX/XX/2024 : Reviewed report ; received Pre-Adverse Notice from XXXX XXXX stating there was a five-day timeframe I would have to dispute the report and submit a written statement ( date due by : XX/XX/2024 ) || XX/XX/2024 : Submitted dispute for report for misleading parts of report ; offer of employment rescinded ; responded back to XXXX XXXX XXXX  Adverse Notice email asking why I had not received XXXX business day before the decision was made - no response || XX/XX/2024 : Sent another email to XXXX XXXX and a different party replied ( XXXX XXXX XXXX XXXX ) - XXXX stated that the Adverse Notice was accidental as they were switching background reporting companies and that my case was still under review ; Dispute XXXX completed without changes || XX/XX/2024 : Submitted Dispute XXXX with HireRight || XX/XX/2024 : Still no further replies from XXXX XXXX XXXX background report still under dispute process ; final decision still showing on report with " Does Not Meet Company Standards '' even though XXXX  said differently the notices/emails I received said differently || The report contains potentially misleading and inconclusive information in the section that was specifically used against me in the hiring process. In the same section for this court record, it reads " HireRight is unable to confirm ... '' and advises of " Partial '' matching information. || Information used in adverse decisions for employment should be transparent by not having a statement stating an inability to confirm and should be based on " Full '' rather than " Partial '' matching information. If something is not 100 % verifiable, it should not have been included on my report. XXXX HireRight included this information seemingly without fully verifying it. XXXX XXXX knowingly used the inconclusive information to rescind the employment offer after XXXX business days rather than XXXX, then advised me they " accidentally '' sent that Adverse Notice ( although I don't see how someone accidentally typed my name/email/etc. and then clicked " Send '' ), and presently, I have heard nothing else from XXXX XXXX. || The individuals working for HireRight and/or XXXX XXXX do not seem to be handling this process in a way that aligns with FCRA requirements. Although I am currently awaiting Dispute XXXX results from HireRight and further correspondence from XXXX XXXX, the previous events still occurred.
Product: Vehicle loan or lease

THIS WILL BE THE 3RD AND FINAL ATTEMPT FOR CPS TO RESTRUCTURE THE LOAN SOLD TO ME THAT IS CURRENTLY IN VIOLATION OF FLORIDA 'S USURY LAW. THE PAST TWO REPLIES FROM CPS ARE WRITTEN IN A WAY TO MANIPULATE OR CONFUSE THE READER. 
REGARDLESS OF MY SIGNATURE, I WAS NOT AWARE OF FLORIDA ' S USURY LAW UNTIL AFTER COMMENCEMENT BUT THIS DOES NOT EXCUSE YOU FOR PREDATORY LENDING. BEFORE WRITING LOANS, YOU SHOULD BE AWARE OF ALL STATE 'S USURY LAWS. YOU HAVE APPLIED AN INTEREST RATE THAT IS OVER 10 % OF THE FLORIDA STATES MAXIMUM RATE ON AN AUTO LOAN.. 

IF THIS IS NOT TAKEN CARE OF BY END OF XXXX, CPS WILL BE REPORTED TO FLORIDA AND FTC.
Product: Mortgage

I requested to PMI cancel because the LTV reached the 80 % or less and I attached the appraisal.
Product: Debt collection

Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.
Product: Credit reporting or other personal consumer reports

Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates has not provided any contract that I have with this company. Portfolio Recovery Associates has provided information with XXXX XXXX XXXX  and XXXX XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has been reporting false claims of consumers owing them money illegally.CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XX/XX/2015 CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated theXX/XX/2015 order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. 

After getting caught red-handed in XX/XX/2015, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX XXXX CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. This proves the fraud that is committed by Portfolio Recovery Associates
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX, GA XXXXSubject : Inquiry Regarding Discrepancy in Credit Inquiries Between XXXX and Credit KarmaDear XXXX XXXX I am writing to request clarification on a serious discrepancy regarding the number of credit inquiries reported between your service and Credit Karma XXXX When I checked my credit report directly on the XXXX website, my report indicates that I have no credit inquiries. However, Credit Karma shows that I have 15 hard inquiries on my credit report, which is significantly inconsistent with the information reported on XXXX own platform.The credit inquiries reported on Credit Karma are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and others.It is critical that my credit report reflects accurate information across all platforms, and I am concerned that this discrepancy might impact my creditworthiness.As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all consumer information they report is accurate, complete, and up-to-date. Additionally, the FCRA Section 611 requires that any dispute related to incorrect information must be investigated and rectified promptly.Request for Clarification and Resolution : Why does Credit Karma reflect 15 hard inquiries, while my credit report on the XXXX website shows none? What steps can XXXX take to investigate and resolve this discrepancy, ensuring that the information on both platforms is aligned and accurate? Please provide a detailed explanation of the source of these discrepancies, and whether there are any system errors or reporting issues that need to be addressed.I kindly request that you investigate this matter and provide a written response explaining the discrepancy and the actions being taken to ensure that my credit report is accurately reflected across all platforms, including Credit Karma.If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I had been receiving calls from a woman stating she was going to serve legal documents in order to appear in court due to a debt owed to Ace cash express, she left several voicemails to my daughters phone stating she was an independent processor for XXXX county,  never indicating what company she was calling from or what she was calling about. I decided to call the number back on XX/XX/XXXX and got a call back on XX/XX/XXXX I spoke with an XXXX XXXX who stated Ace cash express was a multimillion dollar company and had a lot of evidence against me to file a civil suit against me in order to collect a debt owed for the amount of XXXX, however that they were looking for the amount of $ XXXX, I didnt recognize the account or the amount owed, I asked for a copy of the information to be sent through mail and proof of the debt owed but he told me I only had 24 hours to respond and after that we would have to go to court where I would owe more than {$2000.00}, stated my only options were to pay the debt or get an attorney. He provided an account number and also my personal information, I advised him I couldnt even look into the information because my daughters email was hacked. After speaking with him I looked into ace cash express where I found I did have a previous loan with them for the amount of XXXX. This company completely scammed me, they never indicated where they were calling me from, only stating they were calling from XXXX county about a civil suit, they refused to provide me with documentation of the amount owed and also charged me double the amount owed. Throughout the call I thought I was speaking with someone from XXXX county but then received an email stating it was from port-side solutions, which was never mentioned throughout the call, But then a charge from XXXX XXXX XXXX on my daughters card. XXXX XXXX phone number was XXXX, but Im still not even sure what company he was working for because as I stated he indicated he was calling from XXXX county.