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

I believe I am a victim of identity theft XXXX XXXX, DISCOVER CARD, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status... 
They're purporting a debt under false pretenses
Product: Debt collection

I was originally contacted by a private investigator named XXXX who claims that he is investigating my business he needed to verify my address which was incorrect and he called me on my personal cell phone. He notified me that my bank will be contacted, assets will be looked into and all of my vendors will be called. After I gave him my business address and phone number he told me that I owe a debt to a huge client of his that is located in Texas I asked him who it was and he notified me it was XXXX XXXX of XXXX XXXX and XXXX. I ask for contact information and he gave me his phone number XXXX. I called XXXX XXXX and he had no recollection of my account after giving him my full name and the business name he said he will do some investigation. After about 10 minutes he said that I owe {$3000.00}. For which I said another company called McCarthy Burgess and Wolfe claims I owe {$2400.00} I said this cant be true one account get cant get sold to two different collection agencies and I have to pay both. He notified me that occur McCarthy Burgess and Wolfe was a fraudulent company and that he now owns the account. Ill ask for validation and proof of ownership of this account and he said that his account is accurate and he can only provide a generic email and nothing else. I contacted XXXX XXXX and they claim I dont owe anything at all and nothing has been sent to collections. Theyve also notified me that there are a ton of scammers and I said this is not OK and we have to work this out. I later received a call back from XXXX XXXX who said that the XXXX was accurate I now have an email from him stating that I/O McCarthy Burgess and wolf {$16000.00} however McCarthy Burgess and Wolfe claim that I owe {$14000.00} {$.00} and another {$2400.00} neither company has provided me with invoices from XXXX and Im not sure which company to work with especially since XXXX XXXX told me that McCarthy Burgess and Wolf hes never heard of and not to work with him not sure how he got the dollar amount of {$16000.00} if he doesnt work with McCarthy Burgess and Wolf .
Product: Checking or savings account

I have a chime bank account and they first of all my my account got hacked by a hacker that opened up a XXXX in my account and also sent money for my XXXX XXXX because they stole my wallet and my phone and I disputed charges and they keep on denying it and it's over {$1000.00} and I'm not going to take a loss of something that I didn't do that's number one number two is I went to try to cash a check and it said I haven't got screenshots and said that it would be available by XX/XX/XXXX when XXXX XXXX  came around it said that it would be available that same day and then it wasn't they denied it after it said that it would be available by XX/XX/XXXX and it wasn't then I talked to him about it and the dude hung up on me and told me that he would talk to customer care about it but he never did it says in their check cashing thing that whenever I cash a check {$200.00} is supposed to be available and it never was my check was in there for XXXX  days.
Product: Credit card or prepaid card

I have a credit card from First national bank of Omaha, which I have been actively using since the day I obtained it. I have always made regular payments to this card without ever being late or delinquent. 

I recently tried to use the credit card at a store but my card was declined, I assumed this would be some issue with the terminal there, so I paid using cash. 

Later I got a letter from the bank ( dated XXXX, 2017 ) saying that they observed some unusual activity on my account and they have blocked my credit card temporarily. I was also asked to call on a phone number mentioned on the letter to get this issue resolved. When I called the bank on XXXX XXXX 2017, I was told that they can not provide me any information or explanation as to why the card was blocked, and I need to fax them my state ID, SSN and a utility bill. They also refused to send me a written or email communication asking for these documents. 

I am not comfortable sending all these documents to the bank, I am also having a hard time making payments since the credit card no longer works. 

I would really appreciates if CFPB could look into this matter and help me get this issue resolved with the bank
Product: Credit reporting or other personal consumer reports

I received an email in regard to the CFPB Experian Lawsuit. 

I feel I was negatively impacted by EXPERIAN, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". I did not see any details about the investigation. 

Please permanently delete these accounts from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these addresses to which I have never lived nor authorized to spread my name at such and such address, therefore I want you to eliminate these addresses since I do not know them and they are under my name and it is fraudulent.With this complaint they will do more than three times that I ask Experian to eliminate these addresses and in turn the accounts that are related to these addresses that I do not know and have never lived in and have not had any contract with these companies that are reporting my credit and damaging in turn, nor is it together the only credit company that is reporting this on my credit and it is damaging my credit score, I ask that it be eliminated in the next 15 days, it is the only company that is doing it and it is wrong and it is fraudulent these accounts and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

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

Dear CFPB, I am writing to express my concern over the lack of proper handling of personal information at XXXX XXXX XXXX XXXX , M & T Bank XXXX XXXXXXXX XXXX  & XXXX XXXX XXXX XXXXXXXX XXXX. Thus, The Credit Bureaus have failed to uphold their duty of the Fair Reporting Act. 

I have been a customer at XXXX XXXX for many years and was never informed about their mixing of business and personal bank accounts and allowed to lock both accounts. I wish to know how this happened and how it is going to be handled moving forward. 

XXXX XXXX had failed to inform me about a charge off about to happen which hurt my credit and must be notified before that action takes place. 

M & T Bank in XXXX XXXX DE, has not used operating agreement to pull two credit scores and never submitted our XXXX. A previous Bank Branch Manager at the XXXX XXXX, DE, Lied about the process hindering our growth. 

True access capital in XXXX, DE had wasted three month of our valuable time and we had stopped growth because of this. There non transparency had made the business shift gears in the wrong direction They miss more documents that are paid up and are losing grip of growing and sacrificing personal credit for the business. We are afraid of the banks breaking rules and taking funds illegally. If I can remain anonymous as to who made the inquiry to protect my business especially XXXX XXXX, much appreciated. 

Please look at 12 USC 1431 at how businesses are entitled to some amount. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> ( today ), I requested my CD 's ending in XXXX and XXXX are closed and the funds transferred to my account ending in XXXX. ( Referenced Nos XXXX, XXXX and XXXX ) However, only XXXX XXXX was closed. The remaining CD funds of {$540000.00} are in limbo and will result in a loss of interest to me of {$58.00} per day. 

Moreover, I was told by your agent when my CDs matured that they will continue to earn interest during the grace period at the new grace period rate if the CD is renewed or closed. Im sure the conversation was recorded. I delayed closing the CD because of XXXX ; I am a XXXX veteran. However, today, I was told by a second agent that no interest is paid during the grace period if the CD is closed. This will result in loss of interest to me of {$650.00} and counting until you close the remaining CDs. 

I made my decision from a XXXX XXXX based on your agents comments. Nobody reads all the terms and conditions of a bank, and you know it. At the very least there should have been a statement on your website that if the CD is closed during a grace period no interest will be paid. 

We are long term customers of Ally bank and hope you will make a fair and reasonable decision and adjust for the interest we earned during the grace period ; none of our money ever left your bank. It would be appalling if a bank profited from the interest earned by a veteran who was XXXX in service to our county.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IA
XXXX   HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $XXXX. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Checking or savings account

I opened up an account with Chime on XX/XX/year>. I used the account to transfer {$100.00} into my XXXX XXXX XXXX account and I didn't have any issues. 
The next I was notified my account was closed. I called XXXX and was ask to send 2 forms of ID, which I did. My account was then reopened. I had {$94.00} in there at that time. The day after that, it was closed again. I called the same number back and was told that the was account was closed, I received no reason why and was told my money could not be refunded back to me. I waited a few days, thinking it was being investigated and called back again. I was told the same thing. No explanation and I was unable to get my money back. I then ask for a manager and was told I would get the same answer no matter who I spoke to. I have sent an email to the support team at Chime and I am waiting to hear back. I do not understand how they can legally do this!
Product: Debt collection

JTM management phone number XXXX.

Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.
Product: Debt collection

Subject : Debt Validation Request for Account XXXX XXXX I am writing to formally request validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge ownership of this debt and request that you provide the following information to verify its validity : XXXX. Proof that I owe this debt, including a signed agreement or contract with my signature. 
XXXX. The name and address of the original creditor and an itemized breakdown of the alleged balance ( {$660.00} ). 
XXXX. A full accounting of payments made, fees, and interest applied to this debt. 
XXXX. Verification that Portfolio Recovery Associates has legal standing to collect by providing proof of assignment or purchase of the debt. 
XXXX. Proof that the debt is within the statute of limitations for collection in my state. 

Until this information is provided, I request that you cease all collection activities related to this account, including reporting to credit bureaus, contacting me via phone, or attempting to collect in any way. If you are unable to provide the requested validation, I ask that you remove any references to this debt from my credit report and cease further collection efforts. 

Please note that any further attempts to collect without proper validation may be considered a violation of my rights under the FDCPA. I will keep a record of all communications regarding this matter. 

Thank you for your prompt attention. Please respond within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Equifaxs reporting of the Delinquency First Reported date on a specific tradeline in my credit report belonging to XXXX XXXX XXXXXXXX XXXX Despite multiple requests to correct this inaccuracy, Equifax has repeatedly reported inconsistent and incorrect dates, impacting my credit score and financial reputation. 

The Fair Credit Reporting Act ( FCRA ) mandates that all information in my credit report must be accurate, and by changing this date inaccurately, Equifax is failing to comply with this standard. These repeated changes to the " Delinquency First Reported '' date appear to be both erroneous and misleading, resulting in continued harm to my creditworthiness.
Product: Debt collection

I would like to request the CFPB help with a debt validation matter with Portfolio Recovery Associates. While reviewing my personal credit reports I noticed them listed and began investigating. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation to Portfolio Recovery Associates requesting they provide competent evidence that i have any legal obligation to them for an alleged debt they're reporting I owe. I was very specific in the information I wanted to validate, as well as to allow 30 days for processing after I receive the information back from them. On XX/XX/XXXX my affidavit was received by Portfolio Recovery Associates. On XX/XX/XXXX, I first received a correspondent dated XX/XX/XXXX with the alleged original account number, last 4 digits of SSN, the date this alleged account was opened and a statement to contact them if I would like to receive a payment history of payments. A few days later, XX/XX/XXXX, I received additional correspondences { also dated XX/XX/XXXX } that included a computer-generated letter from the alleged original creditor, alleged billing statements that does not even include my full name ( XXXX XXXX XXXX ) and a " statement '' that this establish its validity. I have since sent an another letter { XX/XX/XXXX }, requesting additional information as I DO NOT believe that have validated their claim, it was received by them on XX/XX/XXXX. I am writing to you due to their non-compliance, as I strongly believe they are in violation of the FCRA and I fear that they may outright refuse to uphold the law. First, they have continued to send invalid information to the credit reporting agencies during the validation period AND with a statement " Subscriber reports dispute resolved - consumer disagrees ''. Who resolved it? Reporting on a debt that has not been validate is a violation of the FCRA. Second, they have not demonstrated through compliance they have legal grounds to seek from me this alleged amount they claim I owe. The letter for the alleged original creditor is not signed therefore it can not be authenticated to be certified under testimony to be true and accurate. Third, there are two different amounts for this alleged " balance '' on the correspondences they sent. The unsigned letter from the alleged original creditor shows a balance at time of sale of {$8100.00} and the correspondence from Portfolio Recovery shows a balance of {$8100.00}. Which is accurate? Additionally, the two statements dated, XX/XX/XXXX with an alleged balance of {$6900.00}, the other dated XX/XX/XXXX with an alleged balance of {$8100.00} - how did it go from {$6900.00} to {$8100.00}? I have attached documentation for your review and respectfully request HELP!
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

I received a consolidated student loan during my years as a student at XXXX. I repaid the loan balance in XX/XX/XXXX or XX/XX/XXXX. In XXXX I received a notification from a debt collector saying I owe XXXX  {$200.00} for a Perkins loan. I had not ever received a notification of this debt prior to XX/XX/XXXX, plus they had added interest to it. I sent a letter to that debt collector and said this is not my debt. They sent me back a statement that I had signed back then in XX/XX/XXXX for the {$200.00}. However, I rightly assumed that all my student loan debt was repaid. No proof was provided that this {$200.00} was not included in what I repaid back in XX/XX/XXXX or XX/XX/XXXX. Plus they've added interest to it and added this debt to my XXXX Credit Report. Is this legal? How can these collectors,  on behalf of the Dept of Education try to collect a debt from 26 years ago that they have not proved is valid? Plus XXXX is known for sloppy record keeping in the past. It is my contention that the information provided by them is inaccurate. I want to debt removed from my credit report and for collectors to stop pursuing me for it. Thank You
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  XXXX DPT EDXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC code 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1647 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681a Definitions ; rules of construction ( A ) subject to section 1682s-3 of this title, any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Late payments are illegal according to the 15 usc 1681a ( 2 ) ( 1 ) under exclusions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via www.annualcreditreport.com