23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XXXX, and Portfolio Recovery XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of Title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, XXXX, and XXXX immediately.
Product: Checking or savings account

While I was in XXXX on a company business trip at an all paid for resort I had {$490.00} taken from one of my checking accounts. This occurred on XXXX. The charge is from a grocery store. This account is used strictly for a recreational hunting property. I have never made a claim like this in the past. All history on the account is between XXXX XXXX, XXXX XXXX and the power company. I left my wallet in my room for the majority of the trip as I didn't need it because everything was paid for. I believe someone got a hold of my card and made the transaction without my knowledge. 
Claim # XXXX I have spoken with BoA multiple times about this and they seem unwilling to help. Based on the fact that I have been with BoA for over 25 years, and I have never made a claim like this, and my account activity clearly shows this is out of the ordinary I feel like I should be given a full reimbursement.
Product: Credit reporting

U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Product: Debt collection

There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to XXXX, XXXX  and Equifax, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit card or prepaid card

XXXX NOTIFIED ME, THRU MY REGULAR BANK CHASE, THAT A NEW CARD HAD BEEN OPENED IN MY NAME. 
THE CARD IS APPLE CARD/GS BANK. 
I DID NOT OPEN THIS. I REPORTED IT TO GOLDMAN SACS BANK AS FRAUD, AND A DISPUTE WITH XXXX REPORT # XXXX DATED XXXX XXXX. XXXX TELLS ME THIS ITEM WAS REMOVED FORM MY CREDIT REPORT. I STILL GET EMAIL NOTIFICATIONS FROM GS BANK THAT THE PAYMENT IS LATE. I WILL NEVER PAY THIS AS IT IS FRAUD.
Product: Student loan

Earlier this month, my payment was increased from {$42.00} to {$70.00}. I immediately called FedLoans to fix the problem. After a few minutes on the phone, I was told that the {$70.00} amount was wrong and that I would not be charged that amount. Which turned into my Direct Debt being suspended, which then turned into the right amount showing up on my account come the due date, but then was never processed. Even though there was no real indication that my direct debt was suspended. Long story short, my bill was due on the XXXX, and I happened to check my loan account today, the XXXX, and come to see that my payment was never processed. This website is awful to navigate, it never tells you all of the information and when I call in to complain or with a problem, I spend more time on hold than anything else. What really bothers me about this situation is that Fedloans has miscounted and lagged to update my loan forgiveness qualifying payments, and not this late payment is n't going to be a qualifying payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, XXXX, Experian are all listing a late payment from ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, Experian, XXXX XXXX any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( EXPERIEAN, XXXX, XXXX ) is a form of violation to my consumer rights.
Product: Checking or savings account

Yes so Im having a problem with two banking institutions one is XXXXXXXX XXXX and XXXX current bank also known as XXXX XXXX 1.My complaint against XXXX XXXX is that fact that on XX/XX/XXXX I was realsed from XXXX and finally was able to obtain my personal belongings when I notice I had a lot of unauthorized activity on my account so I follow the basic steps and filled a dispute I provided them documents of me being in XXXX  during the time of the activity and all the documents they ask and was denied and was told no errror after providing them documents so I had to go through the merchant that seen and found the person info that stole my information and used my funds and told me I have to go through my bank to get my money back so I try contacting them again and inform them and they said they decision is final wich isnt fair cause there banks that give u the option to re file on top of that I provided documents so how was even denied and then they just closed my account down and gave me no reason behind it and its wrong and I need help retrieving the money owed to me Which is XX/XX/XXXX in the amount of {$2000.00} 2.My complaint with XXXXXXXX XXXXXXXX is that i had an issue where someone stole my personal identity information and gain access to my account and again I did the proper thing file a dispute and provided the information as told wich I did And they promised to give my funds back and they still havent give anyyhing or help out in no way and every time I call someone doesnt know what Im talking about but they owe me 0n XX/XX/XXXX in the amount of XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> My XXXX XXXX dropped XXXX points because your company let XXXX XXXX put more on my card than the credit limit. Now I have remarks on my once good credit report that now has a remark that says went over limit. You will find a way to remove that remark while taking care of the overcharge. Of course I can pay it down, thats why I chose to get the card that has 12 months interest free..but thats not the issue at hand. Its the predatory lending practice XXXX seems to practice quite often according to their reviews on several platforms. Your customer reps gave the run around. They told me its a simple issue to resolve, just pay the overage! XXXX XXXX should teach their employees the consequences of the overcharge so they can tell the consumer. The fact they said the bank does this all the time. XXXX employees telling me You shouldnt have let them overcharge when your credit limit is {$1500.00} Acting like I knew better! XXXX sorry, but if XXXX doesnt decline the overage charge, its on XXXX XXXX not me. The FTC has laws against this, aka Anti XXXX laws. XXXX had the NERVE to tell me its my fault. XXXX tells me too bad, so sad that we screwed you over and destroyed your good credit because we let the {$160.00} OVER THE CREDIT LIMIT go through instead of DECLINING the purchase because it was over the limit. Your employees are the most incompetent, gas lighting and uneducated customer service reps including your so called XXXX who told me I shouldnt have let it happen. Instead of agreeing it should have never been approved over the credit limit and Breaking XXXX Laws by the FTC. Also, XXXX blames XXXX XXXX and me as the consumer, for going over the credit limit is victim blaming. 100 % XXXX fault. The XXXX XXXX employee are not the people that controls what XXXX approves when someone is making a purchase. My next steps are to make reports with several government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) DATE : XX/XX/2023 XXXX
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMPLETE CREDIT SOLUTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I noticed several inquiries on my credit report, some reported by the same company more than once. I called half of them starting on XX/XX/year>. I asked why the inquires were placed on the report, and asked what the inquiries was regarding, they would not provide me with the information. I then asked to speak with a manager regarding these cases, they would not provide me with a phone number. I then called again on XX/XX/year> but I didn't get an answer from 5 of the companies. I did speak to XXXX, XXXX and XXXX from 3 of the companies and XXXX said he would give me a call back. XXXX call somehow got dropped and XXXX told me a representative would get back to me in 5 business days regarding this matter.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX XXXX and XXXX company named XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX, XXXX. XXXX XXXX  utilizing Kraken Payward Ltd`s services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Have talked and gone back and forward and stated " According to FCRA Section 605B it is illegal to report Anything on my credit report with out my permission please remove this negative item. Have let representative know that my identity was stolen and 3 of the addresses on file are not mine
Product: Checking or savings account

The person called me with the aforementioned number XXXX and their phone caller ID showed Chase Bank, XXXX XXXX. He spoke very professionally and mentioned my bank account has fraudulent transactions. He said that the way to secure my account was to send a dollar amount to two accounts and to reverse these transactions. One of them was for {$1900.00} to XXXX XXXX and another for {$500.00} to XXXX XXXX through XXXX. This was followed up by a request of {$20000.00}, this is when I contacted Chase Bank to inform them. My money got lost. Chase filed a courtesy claim to refund my loss but voided my request to transfer {$2400.00} back into my account on the grounds that this was insufficient evidence. I tried calling them multiple times and received the same response. XXXX kept transferring me to ChasXXXX. Please help resolve this.
Product: Mortgage

I have been under constant duress from continuous harassment from PHH Mortgage, beginning in XX/XX/2022, after my husbands passing, up until now. 

I am now in receipt of yet another Certificate of Occupancy that I have been requested to complete, sign, and return to verify that I continue to occupy XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX, as my principal residence. I have been requested to sign and complete this form from PHH Mortgage at least 3-4 times a year. Upon contacting HUD, I was informed that completion of this form should only be required ONCE a year. The last Certificate of Occupancy form was completed and returned to PHH Mortgage in XXXX, XXXX, with acknowledgement of receipt in XX/XX/2022. 

Is it necessary and PHH 's intention to send this form for completion every quarter, with threats of foreclosure ( every quarter ) if it's not completed and returned?
Product: Money transfer, virtual currency, or money service

This is happening in three months before the event, I also have in the XXXX website complaints and get accepted the case number, but two months past the XXXX  also did not give my reply, I played several times phone to the american express bank want to get processing, there is no reason of refused only say sentence inconvenient said too much, it. This is actually very easy it is possible to identify the fact that really want to, the problem is that I stored in a check in I have american express storage value account, time after 5 days, which money smooth display in my account, but to the morning XXXX point lot of time. American express to check be returned to the reason for the have to account money go away, then I call ask customer service personnel why would in the middle of the night when said check be returned to? I do so perennial intended never this happens, I will require american express bank the return check coding tell me, until now american express are get not they told me check is the other requirements of the return of the program number number is how much it will not is very simple process event? As long as called american express bank come up with check be returned coding will identify ensure complete, if get not this coding digital this obvious is american express in talking fraud cheat I deposits isn't it? Regardless of any reason to get not this coding digital enough to prove bank fraud Three months so simple things I didn't think need so long processing time, cov 19 has nothing income the since also happens such fraud, I really difficult to believe this is funds strong bank to fraud ordinary people people the hard-earned money, hoping to get processing put money compensation I, there are three months of suffering and pain,, thank you, thanks