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

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Debt collection

I was a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further with this.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Resolution Needed - Victimized by Identity Theft XXXX XXXX XXXX I am writing to express my frustration regarding ongoing disputes with XXXX XXXX XXXX that have remained unresolved for over 60 days with Trans Union. This prolonged process has significantly hindered my ability to monitor my credit and receive updated reports, especially as I am a victim of identity theft. 

To date, TransUnion has rejected my FTC identity theft report, labeling it as not an official document. This report is the same official document I have used in previous disputes, albeit with updates reflecting newly discovered fraudulent accounts. It is perplexing that the same FTC report was previously accepted and utilized to verify accounts as inaccurate. After multiple discussions with the company and their dispute supervisor, I learned that no communication had occurred between TransUnion and the company XXXX XXXX XXXX within this first 30-day period. 

Furthermore, I believe that my rights as a consumer under the FTC guidelines for identity theft have not been upheld. The lack of clear reasoning or explanation regarding the status of my documents is concerning and unacceptable. 

Given the ongoing impact on my credit profile and financial well-being, I respectfully request that you address this matter urgently. The fraudulent accounts must be removed from my credit profiles to reflect my true creditworthiness. 

Thank you for your attention to this critical issue. 
I look forward to your prompt response.
Product: Credit card or prepaid card

I made a payment to Chase XXXX over a week ago. Chase took the {$1200.00} from my bank a week ago. They refuse to release the credit for use on my card stating that I paid a large amount and even though they have taken the money they said it can take awhile to apply it to my card for use. I feel that this is stealing and I have never had this problem with any other credit card. They took payment from my account that cleared and Chase is refusing to update and apply the amount to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called numerous times on a daily basis about a debt that Portfolio Recovery purchased in 2014. I  requested verification of the debt on numerous occasions, but I have never received any documentation ( a bill or any other proof ) from them. Because the account was negatively affecting my credit and my requests for validation were essentially ignored, I settled this account for s portion of the balance. 

Since then, this company has continued to report monthly as a factoring company with each credit bureau and has done so since the purchase of the collection account in 2014. The account shows that the debt originated with XXXX. I do not have the full account number. It begins with XXXX. 

I reached out to this company via a BBB complaint. Despite the fact that I attached documentation, which proves the contrary, the company has ignored my complaint. 

XXXX XXXX XXXX business practices are unscrupulous. Rather than perform its own due diligence by obtaining documentation from the claimed original creditor, the company continues to send me mail requesting that I provide such documentation. Even faced with proof of its illegal reporting on my credit reports, the company vehemently denies any wrongdoing.
Product: Debt collection

Due to being a victim of identity theft an account with Navy federal was fraudulently opened.
Product: Money transfer, virtual currency, or money service

I am a customer of chase bank and have been for years. On XX/XX/XXXX I noticed transfers of XXXX, XXXX, XXXX, XXXX and XXXX dollars being withdrawn from my account, there was also a deposit of XXXX. I then immediately go to chase bank to dispute the transfers and restrict my account. As the information about the transaction started to unraveled I found out that someone in XXXX, Texas stole my identity and added themselves as a signee to my account. I was able to get the ID number on the ID card And the XXXX XXXX card the person used for another form of identification verification. I was told I would need to be in the bank in order to add someone to my account as a signee. While this is impossible at the moment because Im in California. This nefarious person was able to use my identity in Texas to add themselves to my account and steal XXXX dollars from me. I thought it was an easy fix with the bank but I filed a claim two separate times and to no avail they denied my claims. I am extremely saddened, distressed and traumatized over this fraudulent action and negligence by chase. They are not honoring there part of the agreement which is to provide a service of protection for my finances. Chase allowed someone to steal XXXX from me and they wont fund my money back to me. I really need help in the situation because I have never encountered such negligent and nefarious behavior.
Product: Credit card or prepaid card

Bank of America was suppose to send me a card with {$12000.00} on it from XXXX then another {$12000.00} I didn't receive any of it and when I called them they told me it was sent I said sent where. I didn't receive it. Then I would call back and they would take a long time getting back with me.they then told me I didn't have anything there. I had been very XXXX  behind the whole thing. I've had friends to XXXX XXXX XXXX XXXX and family members. I have been homeless for XXXX mo 's now I'm back on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Tye list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # 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  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/22 I received a debt collection letter from Portfolio Recovery Associates for the amount of {$880.00} and stating I owe XXXX XXXX XXXX XXXX XXXX 
The are fraudulently trying to collect on a debt that is past the statute of limitations of 7 years. The account referenced is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year and after several phone conversations and letters with Equifax regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX , 7XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards, XXXX XXXX XXXX
Product: Credit reporting

Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why.
Product: Payday loan, title loan, or personal loan

I applied for title loan last year cause I was evicted from my home and needed fast money to find a place but after I found the place I lost my job and became very ill which I informed auto money about at all times which at that point the understood until I awaken to my car being towed cause I was behind I was informed by the lady who works there name XXXX that I needed to come up with XXXX dollars to get my car back and my loan was refinanced without explanation. So I been making payments of XXXX since XXXX of last year and have exceeded my loan amount which was XXXX but after she refinance it it became to be XXXX I only borrowed XXXX and now it is XXXX and the only thing that has come off this XXXX is XXXX dollars I only have enough to pay the bill after trying to keep my home I have told them how hard it is coming up with this money despite my situation but I it seems I will be paying this bill off forever.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), 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 reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC has  been harassing me and my family since  XXXX   2014. Th eir employees went as far as to call out my social security number without even confirming if I was the actual person they were looking for. Even my bank account information was disclosed in certain phone calls. Several employees threatened me with coming to my place of employment and arresting me, if I did not pay the amount they demanded. Also, certain threats were about withholding money from my bank account and sending me to jail, not releasing me until the full amount they demanded was paid in full. From this ordeal, I have absolute no knowledge about what account they keep calling and threatening me about . One threat d id happen, that company put that unknown account on my credit report and now it has impacted  me credit score neg atively. I believe my information was sold or stolen somehow.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXX  through XXXX XXXX, is to inform all three credit reporting barrels, Equifax, XXXX, and XXXX that XXXX XXXX XXXX XXXX was never late on any of his payments. I accept all delinquencies be deleted immediately off credit report for it is harming my credit profile, this is legal proof that the account is in good standing and has never been late. Please remove all delinquencies effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow Experian XXXX XXXX and XXXX   could not Verify me so 50 Times I mailed 3 Forms of ID two Experian XXXX XXXX and XXXX never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX  XXXX Balance : {$43000.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX XXXX : {$38000.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate 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

On XX/XX/XXXX I sent a letter to Experian to ask that they verify a collection on my credit report that I am not familiar with. The account was with XXXX XXXX XXXX XXXX .... Experian said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing Experian another letter and also a letter to XXXX to verify and validate this debt
Product: Money transfer, virtual currency, or money service

I still can't add my mobile number to the security check it keeping say my number is unsupported and the number is in my name and I am trying to add a second bank account when I do that it take me to the security check and give me issues and here is my old Consumer Financial Protection Bureau Complaint No : XXXX. About the same issues.
Product: Debt collection

XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??