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

Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' XXXX, experian, and XXXX are consumer reporting agencies and i am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account immediately.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXXXXXX XXXX Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX  - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Vehicle loan or lease

On XX/XX/2017, I applied for a car loan at Mercedes of XXXX, IL. The dealership ran my credit. I got 7 hard inquiries toward my XXXX credit report. However, I was never notified by my salesperson or financer that they would be pulling it that many times. I was under the impression my credit would only be pulled once. I would like to address this immediately and find a solution to how it is that I can get the hard inquiry remarks removed from my report.
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXXXXXX {$47000.00} XX/XX/year> I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) CAINE WEINER # XXXX XXXX ) XXXX XXXX  # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX
Product: Debt collection

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Midland Credit Management XXXX. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
XX/XX/XXXX False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
XXXX Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice. 
XXXX Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 

Given the lack of documentation and absence of a contractual agreement, the actions of Midland Credit Management XXXX are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 card

I used my Chase Sapphire card for travel expenses for a trip XXXX XXXX XXXX XXXX XXXX for a camp for my son. 

After leaving for the trip, where I was driving my personal vehicle, the camp was cancelled due to Tropical Storm Beryl that was anticipated along the XXXX XXXX. I stayed with family in XXXX as I was already almost to the destination. I called my card and the hotel, and was told they couldn't alter my stay as it was prepaid/non refundable, I was instructed to file a claim with travel benefits for reimbursement. 
I was unable to get to my hotel due to evacuation orders for the XXXXXXXX XXXX and the camp was cancelled for XXXX XXXX due to storm. Storm progressed to Hurricane Beryl and arrived to XXXX XXXX area XXXX midday. XXXX lost power, which wasn't restored until XXXX evening XX/XX/XXXX. We stayed in our hotel, XXXX XXXX XXXX partially able to use the prepaid travel XXXX of the XXXX nights paid. My son was able to attend the camp XXXX XXXX XXXX XXXX XXXX  of the time paid. No refunds were given, and they offered a credit for future camps next summer. 

Filed my claim XX/XX/XXXX with the third party provider XXXX  aka XXXX XXXX. First response was XXXX for additional documents which were also sent XXXX. Followed up XX/XX/XXXX. It's now been XXXX since the claim was submitted and not processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is appearing on experian, XXXX and XXXX  credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future XXXX
Product: Checking or savings account

I have a XXXX XXXX  XXXX company thats business for selling XXXX XXXX to XXXX. Our company placing bulk order from contract manufactures and when products are ready we sell and ship it to XXXX trading partners. We also opened an XXXX  at XXXX XXXX platform and sells XXXX to XXXX consumer individually. The platform utilize their financial system XXXX XXXX to clearing any payments from XXXX consumers and less any amount of service charges and send our revenue usually monthly to us then. 

Our business has opened our savings and checking account with BANK OF AMERICA since XXXX and we are always in compliance with their rules. We are doing normal and legal business and all of our revenue sources are legal. 

However, in the last couple of days I found our BOA credit card isn't working so I contacted BOA on XX/XX/2022. The agent says on XX/XX/2022 they decided to close all of our accounts, which includes our Business checking, savings, credit card accounts and as well as my person BOA saving and checking ( I barely use BOA personal account ) and my accounts will be frozen on XX/XX/XXXX AND permanently deleted on the XXXX. They wouldn't tell me why and saying that this is a permanently decision meaning I won't be able to open account with them forever. This is very ridiculous, confusing and troublesome. 

I would like to make a complaint for the bank to reverse their decision if they can't stop the process of closing my accounts they should at least allow me to reopen new business account with them. They are making wrongful and false decision and this must be corrected. Right now, it has been causing me so much troubles due to the account closure.
Product: Credit reporting or other personal consumer reports

This creditor engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit card or prepaid card

Ordered product on internet. Used my Capital One Quick Silver card. XXXX soak for my wife. Consulted wifes physician and was told not to use it. Canceled order within 3 day of ordering. Order arrived after at least a week and when I went to post office, I had postmaster return to sender on XXXX @ XXXX and kept tracking receipt. Received statement from Capital One included returned product for $ XXXXCapital One issued credit then recharged it to me saying I had to prove I returned product. Postmaster traced tracking slip and showed all tracking including that it was sitting in the merchants XXXX XXXX XXXX XXXX XXXX even noted on print out that it is still in XXXX XXXX XXXX XXXX to XXXX weeks. It was sent back to the return address that was on the box it was shipped to me on it. In fact it was sent back unopened an in the same shipping box that came to me. Capital One refuses to refund the money and is nasty about it.
Product: Credit reporting or other personal consumer reports

These companies are reporting incorrect inaccurate misleading information, which is income on my credit report.
Product: Mortgage

My loan was recently changes from being serviced by XXXX/XXXX. XXXX to a company called Select Portfolio Servicing. 

In XXXX of XXXX I modified my loan with XXXX XXXX and have a 100 % on time payment history. 

I attempted to have PMU removed from my loan, but was notified that due to my payment history it would not be eligible for removal based on payment history until XX/XX/XXXX. 

I requested removal of PMI from my current servicer, SPS, who ahs recently informed me via mail that I am not eligible due to payment history. Note this correspondence was dated XX/XX/XXXX, well after I had made my 24th on time payment that XXXX. 

When I called SPS they stated on the phone they could not verify my payment history and did not have access to it. 

My PMI is eligible for removal, this is a situation I've followed closely for 2 years and their assertions are at best in error and potentially fraudulent. 

I have attached a copy of SPS letter and my payment history as available to me from my bank. 
You can see all my payments are made via the servicers auto-payment program. The payment date in their system is always before the due date and the date shown in the attachment is the posted date to my account which is often different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my personal information page of the Experian credit report it I am listed as HAVING " XXXXXXXX XXXX XXXX XXXX' 1 ) THIS IS INACCURATE 2 ) IT WOULD NOT BE LEGAL ANYWAY TO DISCLOSE.

I have tried to upload a screenshot but the website is not allowing me. If you ask me I can email it.
Product: Debt collection

I DON'T REMEMBER ANY ALLEGED DEBT WITH PORTFOLIO RECOVERY ASSOCIATES LLC, IT SEEMS PORTFOLIO RECOVERY PRUCHASED A MASS PORTFOLIO FROM XXXX XXXX  AND DID NOT DO THEIR RESEARCH OR VALIDATE THEIR PURCHASE. I STILL DONT SEE HOW IM RESPONSIBLE FOR AN ALLEGED DEBT FROM XX/XX/2017 BY THIER OWN RECORDS OF TRANS DATE. THAT WOULD MEAN THIS ALLEGED DEBT HAS A PAYMENT HISTORY OF AN EARLIER LAST DATE OF PAYMENT. THE STATUE OF LIMITATION ON CREDIT CARD DEBT IN GEORGIA IS 4 YEARS FROM THE DATE OF LAST PAYMENT WHICH WOULD PUT THIS CREDIT CARD AS TIME BARRED AND UNABLE TO SUE, UNCOLLECTIBLE. EVEN THOUGH A DOCUMENT WAS SENT TO A PRIOR COMPLAINT I FILED, I STILL DONOT SEE A PAYMENT HISTORY OR ANYTHNG PROVIDING MY ALLEGED PAYMENT HISTORY OF ALL PAYMENTS MADE AND THE LAST TIME A PAYMENT WAS MADE BEFORE DATE OF CHARGE OFF. ANY ONE CAN PUT A DEBT IN MY NAME AND ATTACH AN ACCOUNT NUMBER. UNDER THE FCRA, FTC, FDCPA A PURCHASED ACCOUNT BY A THIRD PARTY MUST PROVIDE PROOF OF PAYMENT TRANSACTIONS FROM THE BEGINNING OF PAYMENTS AND THE LAST PAYMENT DATE BEFORE DATE OF CHARGE OFF TO TRULY IDENTIFY THE VALIDITY OF DEBT AND THE TRUE BALANCE OF AN ACCOUNT. IF PORTFOLIO RECOVERY CAN NOT PROVIDE PROOF OF MY SIGNATURE AND MY ALLEGED PRIOR PAYMENTS TO XXXX  XXXX  THEN THEY MUST DISCHARGE THIS MATTER BECAUSE THE PROOF HAS NOT BEEN PROVIDED. ALSO PORTFOLIO RECOVERY IS NOT LICENSED IN THE STATE OF GEORGIA TO COLLECT ANY DEBTS. 
BUSINESS SEARCH RESULTS Business Name Control Number Business Type Principal Office Address Registered/ Designated Agent Name Status Portfolio Recovery Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA, XXXX, XXXX XXXX Resigned Admin. Dissolved SMALL BUSINESS SOLUTIONS PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, XXXX XXXX, XXXX XXXX XXXX. Dissolved. 


THIS IS A SCAM
Product: Credit card or prepaid card

At my direction, XXXX XXXX electronically sent Synchrony Bank/Amazon {$12000.00} to pay my charge card bill which was for only {$1200.00}. Thus, the payment included an overpayment in the amount of {$11000.00}. This payment which was due on XX/XX/XXXX was received by Synchrony on XX/XX/XXXX On XX/XX/XXXX, when I first became aware of this overpayment a representative from XXXX XXXX and I contacted Synchrony ( XXXX XXXX ) and asked that they electronically deposit the overpayment back to XXXX XXXX XXXX checking account, where the funds had originated. Synchrony informed us that could not do that but that would within the next 30 days send me a check for {$11000.00}. 

On XX/XX/2023, not having received the check, I contacted Synchrony. I was informed that they did not send me a check because they needed written authorization from XXXX XXXX to do so. However, after speaking to a Synchrony supervisor I was told that she would request their accounting department to send me the overpayment on an expedited basis, and that I should receive the check by XX/XX/XXXX. 

On XX/XX/XXXX, not having received the check I contacted Synchrony and was informed that the check had not been mailed but that it would be sent and that I would get it within the next XXXX to XXXX days. I was informed that the check had not been sent because receipt and clearance of my payment needed to be verified. A supervisor whom I was transferred to then told me that the check had in fact been sent on XX/XX/XXXX, and that I should receive it by no later XX/XX/XXXX. 

On XX/XX/XXXX, not having received my reimbursement I again contacted Synchrony. I was informed that a check in the amount, {$10000.00} had been sent on XX/XX/XXXX, and that it would take seven to days for me to receive it. I was informed that the check had not been sent sooner because I had not requested a refund until XX/XX/XXXX. 

On XX/XX/XXXX, I also sent Synchrony a written request for a refund asking that they send me a refund within seven days of receipt of the written request
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI had a hard report on my account for Citibank I don't bank with Citibank I don't have a Citibank credit card on tXX/XX/XXXX I had a hard investigation on my credit report from XXXX in XXXX I do not have XXXX nor XXXX asked for them to look in anyting so I'm questioning this