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

I would like to file a complaint against the collector Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Portfolio Recovery Associates, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX on XX/XX/XXXX my friend XXXX XXXX used " XXXX '' to send me money he owed me for rent. I never used it so I downloaded it fast and he transferred it. It initially said it would be in my account onXX/XX/XXXX. Now XXXX is saying my account is deactivated and they money is stuck in there they will not transfer my money. They are accusing me of having 2 accounts with them which is not true! And now I do n't get my money because of it
Product: Credit card or prepaid card

This is the second card Ive registered with XXXX XXXX XXXX  that still doesn't allow online transactions even after waiting several days after registering to use the card online.
Product: Debt collection

Coast 2 Coast Lenders are denying me my rights to dispute a alleged debt with their company. On XX/XX/2022, I attempted to dispute the alleged debt that they are attempting to collect. On XX/XX/2022, I received the same dispute returned to my place of abode stating it has been refused. Contents of dispute have been included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX XXXX XXXX account on my credit report with Experian all of XX/XX/2018. Experian have violated the Fair Credit Reporting Act they are not properly investigate this item. They keep saying the item is verified. HOW CAN YOU VERIFIED A ITEM IF YOU HAVE NO WRITTEN CONTACT? HOW ARE EXPERIAN VERIFYING ITEMS? I have requested documentation with my signature on they have failed to provide me with it. Experian need to prove to me that they are reporting hundred percent accurate information ( they are Not ). In the documents I have uploaded states I want all the documentation that Experian have to verify that this account is mine. And remove all Non account holding inquiries I have contacted all of the companies they have Not provided me with written proof are authorized none of the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit card

I was offered a card that had XXXX interest for the first 6 months, I was told by the store merchant that at the end of 6 months I would be charged interest. It was never explained to me that the interest would be compounded. So now I 've noticed that I was charged one lump sum of over {$300.00} in interest plus on going interest at XXXX %. I called to complain and offered to pay the entire bill and they refused to waive the lump sum interest. My issue is the lump sum interest being tacked onto my account.
Product: Credit reporting or other personal consumer reports

I am unable to log into equifax.com after previously having an account and access to their system. The general error when attempting to login is to contact the company via phone. After calling in numerous times and trying all their solutions, I still don't have access. I've been told to reset my password, use another computer, computer browser or simply to try again later. None of these work and I've tried numerous ways. 

I have done all these and it's really just an attempt to get me off the phone and never give me a solution that would fix whatever the login issue may be. Equifax has done nothing concrete and just gives me the run around to even resolve this login issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See Attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2018, I received alerts informing me that my TransUnion credit score went down XXXX points and XXXX credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted TransUnion and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Experian / XXXX XXXX is breaking the consumer law pertaining to Acct # XXXXXXXX XXXX XXXX  and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.
Product: Debt collection

It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection off and they are still reporting this on my credit instead of removing it. I have filed dispute after dispute and nothing is being done. Portfolio Recovery is one of the XXXX  companies on the planet! I want this paid account off my credit as it is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report because every single account has inaccuracies. I disputed them YESTERDAY and TODAY the come back updated and verified???!! NO INVESTIGATION HAS BEEN DONE. Delete these accounts from my profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was paid in full. American Express showing charge off, which is incorrect. High Balance also incorrect. This was a company card and I am not responsible for the debt. 

I did not personally guarantee this company credit card. I am formally requesting under Section 609 of the Fair Credit Reporting Act, that American Express provide me the original contract with written authorization/signature authorizing this account. 
If American Express is unable to verify this account with the original contract and signature, this account should be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.
Product: Mortgage

Trying to get mortgage assistance. I have a XXXX and XXXX degree and a XXXX XXXX XXXX. I spent 12 years in XXXX and consider myself an expert. I can not imagine a person without my background working with these people. I am doing this for the greater good. For example, they asked for a Profit and Loss statement because I am self-employed. I prepared it and sent it. I called to follow up and they asked me why my Profit and Loss statement was negative. I said it was negative because it was a loss. They asked why I sent it in then.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am reaching out to dispute inaccuracies in my credit report related to the XXXX XXXX account ( Account # XXXX ). Late payments for XXXX, XXXX, and XX/XX/year> are reported inaccurately. According to my payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 90 Days Supporting Evidence : Attached are documents showing on-time payments for the disputed months. 
I have also provided a highlighted credit report showing the inconsistencies. 
Pursuant to the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), credit reporting agencies are required to maintain accurate and verifiable information. I request that you : Reinvestigate this account thoroughly. 
Provide a detailed description of the procedures followed in your investigation.

If the late payments can not be substantiated, I insist that the account be updated to " Paid As Agreed Never Late. '' Thank you for your attention to this urgent matter. Please provide your response within the timeframe specified by the FCRA. 
Sincerely, XXXX XXXX
Product: Mortgage

We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Auto 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 without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband I have a mortgage with Wells Fargo. We got behind on our mortgage in XXXX but made a payment to catch every month up in XXXX, XXXX except one month ( XX/XX/XXXX payment ), This happened right before our home loan went into deferment in XX/XX/XXXX due to a XXXX XXXX hardship. I made the XX/XX/XXXX payment in XXXX, XXXX. We currently owe nothing on our home loan with Wells Fargo for months prior to the date Wells Fargo granted a deferment ( XX/XX/XXXX ). However Wells Fargo has the loan reported as delinquent at XXXX days late on my credit report. Actually they have reported XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX as not current and then nothing is reported after that. So when reviewing my credit report it shows the loan as not current and sitting at XXXX days late. I reviewed the credit laws surrounding the CARES Act and it states if the loan is made current during the deferment then the mortgage company must report this to the credit bureaus. I disputed it with XXXX and they investigated and did nothing. They would change nothing on my credit report. We are currently going through a loan modification process with Wells Fargo so the loan is not delinquent and should not be reported as such on my credit report. I am asking your agency to investigate this issue and make Wells Fargo report my mortgage loan correctly as required by the CARES Act. Their actions have damaged my credit and I can not qualify for a loan with any business at this time. It has been this way for over a year now.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC $ 1681b, it is evident that there may have been a violation of my consumer rights. 
The law explicitly states : " ( 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 instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC 1681. Ilook forward to your prompt attention to this matter and a timely resolution.
Product: Money transfer, virtual currency, or money service

i am supposed to wire earnest money for a house i am trying to buy thru discover high yield savings acct. i initiated it XXXX XXXX come XX/XX/XXXX the receiver has not received it. I kept calling discover and they keep saying it has already left the account and they sent me confirmations. the next day the receiver has still not received the money so i called again and initiated a trace. after a while the receiver has not asked me anymore so i assumed that they have already received it. today, XX/XX/XXXX, they have asked me again when i have sent the earnest money. i called discover and they said the trace is oddly still pending. i have confirmations and yes i have repeated the details to them XXXX so it is the right account. i was googling what to do and i saw a reddit post of the same scenario. it said the receiver got their wire after she complained in cfpb and thats why im here. i could lose the property because of this. they should have some kind of compensation for the stress theyre giving us.
Product: Money transfer, virtual currency, or money service

My brother attempted to send me money using Paypal on XX/XX/2018, which we assumed would be free to send money between family and friends. However, I was charged a fee of 2.9 % of the amount plus a flat fee of {$0.00}. I asked my brother and he said he believed the money was sent using the friends and family option, and not the 'payment for goods and services ' which applies the fee. I called the company and they were not helpful in resolving the dispute. They suggested to send the money back to my brother, in effect reversing the transaction. But, they would not reverse 100 % of the fees they charged on the transfer, even if we reversed it. It seems hardly fair the company can retain part of the fee on a transaction that was reversed.
Product: Debt collection

Dear XXXX XXXX XXXX  Customer Service, I am writing to address the collection account listed on my credit report. The account was opened on XX/XX/XXXX, and is currently listed with a balance of {$1300.00}, with the status updated as a collection on XX/XX/XXXX. 

I

would like to formally dispute this account and request the following actions be taken : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all communications with me regarding this debt. This provision states that a debt collector must stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. I request that you delete this account from my credit report. The continued reporting of this account negatively impacts my credit score, and under the FDCPA, specifically 15 U.S.C. 1692, I am entitled to dispute and request the removal of inaccurate or unverifiable information. As the debt is currently listed as a collection, I am requesting its removal from all credit reporting agencies. Under 15 U.S.C. 1692, creditors and debt collectors are required to provide accurate and clear information about the debt and the nature of the collection efforts. If the information is incorrect or the collection process did not comply with the FDCPA, then I am entitled to request that it be removed from my credit report. Consumer Law and Fair Practices Additionally, I expect full compliance with all applicable consumer protection laws and fair credit reporting standards. The inaccurate reporting or improper collection practices can be a violation of these laws, and I am requesting that these issues be addressed promptly.