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

On XX/XX/XXXX a vehicle I was financing through XXXX XXXX XXXX was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an XXXX who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my credit score regarding an unpaid debt to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX twice to request information regarding the supposedly outstanding balance. XXXX provided me with the phone number and name of a collector company, Credit Control. I contacted them and spoke with XXXX XXXX. He stated XXXX opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me XXXX never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact XXXX for any questions, and that they will be putting the account on hold until they send my questions to XXXX and will the answers from them. I contacted XXXX XXXX XXXX XXXX  again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so XXXX kept selling the account to a different collector over the past 7 years/ almost 8 years. However, XXXX never contacted me, nor the many collector companies to include Credit Control. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told XXXX did not have that information. I asked if I could speak with a person from XXXX that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact Credit Control. 

Credit Control XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

This company is in violation of 15 USC 1692g fair debt collection act they haven't provided me validation of debt i have been a victim of identity theft and i refuse to pay a debt that doesn't belong to me. I asked for the original purchase agreement they did not provide me that let alone a signed contract bearing my signature and this company continues to report this inaccurate information on my credit report damaging my credit. I ask that this item is removed from my credit report because all the times i asked for the original purchase agreement anybody can say you owe them money but they havent once provided me proof that i owe this debt bearing my signature phone number social anything and they havent provided me that they have the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, Experian, and XXXX to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from Experian in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) as well as the accounts 1. XXXX # XXXX, 2. XXXX # XXXX, 3.XXXX  XXXX XXXX # XXXX, 4. XXXX # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Experian has not provided on accurate verification whatsoever. In fact Experian has not even responding to my dispute therfore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Experian has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Experian not being able to provide any sufficient documentation obligating me to these accounts.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX {$680.00}. XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX BANK XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ) .I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately. ( Please see attachments )
Product: Student loan

In XX/XX/XXXX, my old Perkins Loan from XX/XX/XXXX completed the rehabilitation process with XXXX XXXX XXXX. It was then transferred to XXXX for servicing. 

Payments have all been made in a timely matter, which has been acknowledged by the servicer. 

In reviewing my file on XXXX, I saw that one loan was being reported as in default status. This initiated numerous phone calls to the servicer as well as several government agencies to find out why that loan showed as defaulted. 

The servicer admitted there was no problem on their end and would look into it. The CS agent I spoke with also assured me that they update every Friday, and it would be resolved then. 

Except, it wasnt. Finally, on or about XX/XX/XXXX, I was told by a CS agent at the Department of Education that the servicer had not updated since last XX/XX/XXXX, and that they are the only people who can perform this update. 

As of today, it still has not been done.
Product: Mortgage

There was wrongful foreclosure sale on my property ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX, XXXX, XXXX XXXX, XXXX, acted as the debt collector in this foreclosure. Ocwen Loan Servicing was servicing the loan, but are not the owners of the debt. Correspondence was sent to Ocwen Loan Servicing demanding validation for the debt. Ocwen Loan Servicing sent paperwork trying to validate the mortgage on the home, but was unable to validate the debt. Also the transfer or Assignment of Deed has signs of " robo-signing '' as well as incorrect information. Transfer of the mortgage has not been done correctly nor has the mortgage company validated the debt. Also there is an Affidavit of Fraud done that never got answered.
Product: Debt collection

XXXX account keeps calling 4 to 5 times a day, saying XXXX account has been compromised. I asked them to stop calling.
Product: Credit reporting or other personal consumer reports

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. 

I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my disability it will be more efficient. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to EQUIFAX for authorizing to report incorrect personal information. I sent out my IDs with the my letters for so many times to correct the personal information but until this time no actions have taken care of. The correct spelling of my name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past couple years. Someone has open up fraudulent accounts with this company in my name.There have been Fraudulent Items being reported to my Credit Report. The following account SCHOOLSFIRST FCU ( Account Number : XXXX ), Date Opened : XX/XX/year> Balance {$5700.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$1000.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$0.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$440.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ), Balance {$1400.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my FTC report along with a copy of my ID.
Product: Credit card

I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report out that Bank of America provided personal financial information to the government. I have not seen any evidence that they obtained this through legal channels such as court orders. I am a Bank of America customer and would like to have answers to this. 

XXXX XXXX XXXXXXXX A spokesman said All banks have responsibilities under federal law to cooperate with law enforcement inquiries in full compliance with the law. 

Is this accurate? I thought the RFPA was designed to prevent this very thing. The act was intended to prevent government overreach of consumer financial records. Obviously some of that changed with Patriot Act ( which is unfortunate ) but that has since expired. 

https : //www.federalreserve.gov/boarddocs/supmanual/cch/priv.pdf I would imagine they might cite the Bank Privacy Act. I just can't see how being in DC would give enough cause to suspect you as a terrorist. I would imagine 700,000+ residents would not be happy with that label. 

Did Bank of America do this? 

Was Bank of America provided court orders to release individuals information? 

Why do they think this doesn't violate Fourth Amendment or RFPA?

As you are the Bureau of Consumer Financial Protection, I would like to understand if you believe this is legal and why. 

I would like to know if Bank of America committed illegal activity and violated either law or the Constitution in the actions taken in XXXX. 

I would like to know what other Banks the government reached out to and if they complied or did not comply. In the article above, it specifically reached out to XXXX XXXX, XXXX, and XXXX. Other banks? 

We need your protection more than ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed during the XXXX data breach
Product: Credit reporting or other personal consumer reports

I requested my XXXX  report one month ago. It has never come. Please send it. 

I just got a letter from XXXX XXXX stating that due to a credit based insurance score used, I was ineligible for coverage. 

Specifically, it said it was due to the following reasons : -Number of open accounts reported as " paid as agreed '' ALL OUR ACCOUNTS ARE PAID AS AGREED. 

-Average amount of time accounts have been established. 
ACCOUNTS HAVE BEEN ESTABLISHED OVER 20 YEARS. 

-No auto accounts reported in last 5 years. 
AUTO LOAN AS CO-SIGNER WITH DAUGHTER IN LAST THREE YEARS.

-Number of Mortgage Accounts Opened in the Past 12 months.

NO MORTGAGES FOR OVER TWO AND A HALF YEARS. OUR MORTGAGE SERVICER HAS BEEN CHANGED.
Product: Debt collection

Dear CFPB, I need your help and I am writing to file a formal complaint against Portfolio Recovery Associates , LLC regarding their collection practices in relation to my account with them, identified with an XXXX XXXX account. It has come to my attention that Portfolio Recovery Associates , LLC has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, Portfolio Recovery Associates , LLC is in violation of the following regulations and statutes : Violations : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation outlines requirements for debt collectors in providing validation of debts. Portfolio Recovery Associates , LLC has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation pertains to the provision of written notice by debt collectors. Portfolio Recovery Associates , LLC has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

12 CFR 1006.34 ( d ) : This regulation addresses the timing of validation of debts. Portfolio Recovery Associates , LLC has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

15 USC 1681-S2 ( 7 ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. Portfolio Recovery Associates , LLC 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that Portfolio Recovery Associates , LLC cease all collection activities related to my accounts. 

Delete Reporting : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If Portfolio Recovery Associates , LLC believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above. 

Request for CFPB Action : I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Portfolio Recovery Associates , LLC for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.
Product: Debt collection

They took me to court and tried to sue me for {$20000.00}. I would like to do a formal complaint to the cruelty relief fund against.. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX For j the judgment illegally against me breaking the law ( section XXXX point criminal penalty ) ( a ) ( b ) on Time Barred Debt on closed accounts from XX/XX/XXXX to XX/XX/XXXX at the same time this judgment was put against me. I received a letter from my bank XXXX XXXX XXXX where my account was suspended frozen on XX/XX/XXXX from and collected money where my checking account was - {$5500.00}. In the original petition the plain and seek monetary relief of {$20000.00} or less excluding interest, statutory and prove damages and penalties and attorney fees and cause there was also a violation by the CFRA change the dates on my credit report years from XXXX XXXX to now XXXX like they just happen when these are six years old have been on my report for over six years.
Product: Money transfer, virtual currency, or money service

Bridgecrest car financing company said they submitted a back out refund check to me in regards to backing out of financing me for a XXXX XXXX XXXX with XXXX in XXXX Illinois on XX/XX/XXXX. I spoke with a representative from their team that confirmed the check was issued and would take 7-10 business days to be mailed to my home. I have checked my mailbox everyday, called XXXX to see if the check may have been sent there and asked for several updates regarding my check and still have not received anything. I called Bridgecrest on XX/XX/XXXX to inquire about my refund and the agent reached out to their accounts payable department who told him that they did not see any details of a refund on their end. He then spoke with their escalation team who confirmed that I was supposed to receive a refund from Bridgecrest and I was told he has to submit some sort of ticket to gain more information about if my check was ever sent out and to get more details. My car was taken on XX/XX/XXXX and it has been almost 30 days and I still have not received my money. The attachment that has been submitted serves as proof of the blackout that was submitted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX keeps sending this account to collections ( I C Systems ) when I have told them years ago that this account was opened fraudulently. Now I am being contacted by yet another collections company about a debt that is not mine. I spoke with them and was told that I could get a discount to pay it down but that was the only thing I could do due to me not knowing how to get proof of who used the services with my information.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX CXXXXe XXXX ( XXXX ) and XXXX XXXX CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX CXXXXe XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I submitted a letter to the company reporting a collection on my accounts with XXXX and Equifax. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to XXXX and Equifax and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.