23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discovered inaccurate information placed on my credit report by Portfolio Recovery Associates. I immediately took action. I called all XXXX credit bureaus and made them aware of the situation. As a result, they disputed the account. A week later Portfolio Recovery Associates responded to XXXX, electronically, stating " the account will remain on credit report. '' This raised even more concerns!! I did n't think companies could report inaccurate information on people 's credit and get away with it!! So, I sought out legal advice. I was made aware that I could write Portfolio Recovery Associates and demand that they send me legal proof and documentaion of the debt, Debt Validation. I was also warned to send my request certified mail to be sure they received it and could n't claim they did not. I am aware that Portfolio Recovery Associates have XXXX days from the date they receive my letter to respond with the legal documentaion.. I sent XXXX letters to Portfolio Recovery Associates, each certified, XXXX to their corporate location and the other to the location listed on my credit report. XXXX letters were received and signed for at each location on XXXX/XXXX/2015. XXXX was singed for at XXXX XXXX and the other at XXXX XXXX. the clock started on that date. XXXX DAYS LATER, STILL NO RESPONSE!! I never received a response from the company!! I am now demading the immediate and complete removal of any account reported on my credit report by Portfolio Recovery Associates. Portfolio has failed to send the legally required validation of debt. their firm has violated the law!! The Consumer Credit Protection Act, The Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Plus many more. Portfolio Recovery Associates have communicated and continue to communicate incorrect and defamatory information to third parties and the XXXX major credit bureaus. It is time for this to stop! I have suffered and cotinue to suffer damages. I am very upset at their firm 's business practices. I have suffered emotional distress from this. I am demanding that they delete any items they are reporting from my credit as soon as they receive this response from cfpb! Hopefuly they will respond to you guys because they have refused to do so with me.
Product: Debt collection

The original debt of {$68.00} with XXXX  was paid on XXXX at a local XXXX store.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX XXXX and Equifax both have this account as an open account which is against the law Equifax also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and Equifax are breaking the law by reporting this collection account as open also XXXX and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress
Product: Debt collection

I wrote a check to XXXX XXXX XXXX in XXXX Montana in XX/XX/2024 for {$31.00}. The check was approved, and I went on my way. I have {$50.00} overdraft protection on my XXXX checking. Even if I had no money, they would have paid this. Here is the strangest thing... .THEY NEVER presented the check for payment. They can not show you, me, or anyone where my check on that account was presented for payment and rejected by my bank. They turned it directly over to a collection agency in XXXX XXXX, Montana who has now put the item on my credit reports I have disputed this morning. I never saw the check run through, I had gone back to the merchant and they could not help me at all.
Product: Debt collection

**THIS IS NOT A DUPLICATE COMPLAINT** -- Friday, XX/XX/XXXX at XXXX approximately. I called Marvin Dang Attorneys to talk about all the research that we have been doing this year in regards to my XXXX XXXX XXXX XXXX account ending in XXXX. Last correspondence to me through CFPB ( this website ) The attorneys at Dang 's office indicated I owed {$340.00}. I want to pay it today, but they say they need to do more research. I would like the amount of {$340.00} to be paid immediately, yet they need to do more research? Why can I not pay this amount and be done with this? The account according to their correspondence with me on XX/XX/XXXX through this site says that they would " accept payment of {$340.00} under previous terms to settle this matter in full ''?
Product: Debt collection

For well over a month now after we filed XXXX XXXX  bankruptcy out of the blue we keep receiving calls & messages but when Ive called many times now they know Ive filed bankruptcy & it has been discharged!!! They keep calling all month of XX/XX/2023 & now XX/XX/XXXX tXXXX XXXX I want it to stop AR Services phone number XXXX when I ask what I owe they dont have a account for me???
Product: Debt collection

I've sent a letter the the company asking to validate this debt. I've never received a correspondence in regards to this debt. 

I'm unaware of this debt. If you feel this is my debt. I've never was given the proper notification regarding this debt and or the opportunity to dispute this debt. If you fell like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name on it and signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

ComenitycbXXXX allowed a person named XXXX XXXX to open up a credit card in her name with my social. This was not by accident. She opened up two credit cards ( XXXX and ComenityXXXX ) but Comenitycb will not remove it from my credit report and continue to report it as delinquent. I have given them all the information and am told something different each time I call. Because they allowed her to open up the card, her name and address are now being reported on my credit report which is how I got the information on this person. On XX/XX/XXXX XXXX opened up a credit card under my social. On XX/XX/XXXX she maxed out the card {$1000.00} and never made payments. I found this woman on social media and found a post that she made of the actual receipt. I do not live in Wisconsin nor have I ever visited.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, Georgia XXXX XX/XX/year> XXXX XXXX XXXX. XXXX XXXX XXXX, NV XXXX Subject : Request for Charge-Off Removal Under XXXX Code XXXX Dear Kikoff Marketplace, I am writing this letter as a formal request for the immediate removal of the charge-off status related to my Kikoff Credit Account [ Account Number ], which has been reported on my credit file. My name is XXXX XXXX XXXX, living man, and I am invoking my legal rights under the following sections of the United States Code. 
XXXX. Section 1099-C : According to the Internal Revenue Code, a creditor must issue a Form XXXX when they have canceled or forgiven a debt. I request clarification on whether this account has been marked as forgiven and whether it was reported as a charge-off for tax purposes. 
2. 15 U.S.C. 1666b : This statute mandates that a creditor or debt collector must notify the consumer of any charge-off status. As per this regulation, I am requesting a detailed explanation and verification of the charge-off, including a breakdown of the steps leading to this action.

3. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I am requesting a formal investigation into the accuracy of the charge-off on my credit report. If any errors are found during the investigation, I request that the charge-off be removed.

4. 15 U.S.C. 1681s-2 : As per this provision, I request that any inaccurate or incomplete reporting of this account be corrected or removed from my credit report to ensure compliance with the Fair Credit Reporting Act.

In exchange for my full payment of the balance on this account, I respectfully request that the charge-off status be removed from my credit report. The removal of this entry would more accurately reflect my current financial situation and allow me to make positive strides in rebuilding my credit.

I kindly request a written response within 15 days acknowledging receipt of this letter and confirming the removal or correction of this entry. If this issue is not resolved in a timely manner, I will seek further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please contact me at XXXX ( XXXX ) XXXX or XXXX should you require any further information or documentation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on my home mortgage on XX/XX/XXXX which included a new home insurance policy premium paid in full, as well as 3 months of payments as a cushion. 

On XX/XX/XXXX, I logged into my insurance policy account to begin shopping for new rates since it was about a year later. Upon doing so, I learned that my insurance policy was cancelled, effective XX/XX/XXXX for non payment of an adjusted premium ( ~ {$300.00} ). 

Upon learning this, I contacted Primary Residential Mortgage Customer Service and Escrow department email on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of 18 emails, replying to myself only, as I never received a response. I received one response on XX/XX/XXXX confirming receipt for a letter sent to escrow department. Ive called several times and spoken to customer service reps and supervisors only who have requested I send a written request to escrow department, which I did on XX/XX/XXXX and again on XX/XX/XXXX, when I was told the letter sent on XX/XX/XXXX wasnt received even though the only response I ever received from PRMI was to confirm receipt of that letter. 

I acquired a new insurance policy and paid out of pocket ON XX/XX/XXXX due to the unresponsive nature of Primary Residential Mortgage. The insurance company charged a no prior insurance fee which Primary Residential Mortgage customer service supervisor believes I should have refunded from the insurance company, not PRMI. Over the phone, Primary Residential Mortgage states they never received a bill or call from insurance. They also state they didnt receive my letter that was also confirmed received on XX/XX/XXXX. 

I want to waive escrow from this mortgage as I can not trust they will manage paying taxes and insurance appropriately. Ive submitted a request to waive escrow and of course, received no response. 

This company is incredibly unorganized, unresponsive and rude. I have spent many hours trying to make this right, including paying for a new annual insurance premium out of pocket with no effort on their end whatsoever.
Product: Credit card or prepaid card

I charged a large amount to pay for construction on my home on XXXX XXXX, 2019. I had called my credit card company to increase my credit ceiling which I was advised was {$62000.00}. The credit charge was for {$22000.00}. I immediately wrote a check, from my Home Equity Line, after I confirmed what address to send it to Citicard at. I checked frequently and although I called once to find out if the check was " in the system '' this could not be confirmed. I finally noted that the check was debited to my bank on XXXX XXXX, 2019 and confirmed on reviewing my Citi Card account that the payment had been noted and credited on XX/XX/XXXX. On Sunday XX/XX/XXXX I attempted to pay for theater tickets costing {$400.00} dollars. The charge did not go through. I called Citicard that night and was advised that i had exceeded my credit limit. When I ponted out that CitiCard had credited me {>= $1,000,000} on XX/XX/XXXX, I was informed that because this payment had come from a different account than I typically use, it had been flagged and I would not be credited for 7-10 business days. 
I made 2 additional calls to Citi Bank both by phone and chat. I spent over 3 hours on these various attempts to resolve the issue. I spoke to one supervisor who apologised for the delay but could not reverse it on Tuesday XX/XX/XXXX. 
I spoke to the first agent, XXXX, identification code XXXX on Sunday XX/XX/XXXX initially. I asked CitiCard to file a complaint on a chat line on Monday or Tuesday XX/XX/XXXX or XXXX. 
The check was finally fully credited on Wed XX/XX/XXXX. 
I find it unacceptable for a bank to not inform you by text, email or phone that your credit limit has been reached. I get numerous fraud alerts from CitiCard and I would expect exceeding one 's credit limit would likewise be able to communicqted. 
Even though I spoke with an agent about my large purchase and confirmed that I would be mailing a check, the agent never mentioned that the check would take 16 days to be credited to my account. It was written on XX/XX/XXXX and credited on XX/XX/XXXX. In addition, no one had the courtesy to call, email or text that their would be a 7 to 10 business day delay until this large check would be taken off " hold '' as they called this delay in crediting my account. 
The lack of transparency and the complete disregard of the customers concerns is deeply distressing. The inefficiency and inability to resolve the issue is a waste of my time and energy as well as Citicards. Please look into this issue as I am sure it is affecting other customers as well, Thank you for your assistance.
Product: Checking or savings account

A check ( # XXXX ) from my Chase account originally made out to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} was altered. The name of the payee was changed to XXXX XXXX and deposited in an acount at XXXXXXXX XXXX 
Chase is waiting for XXXX XXXX to respond and meanwhile, I am out those funds. 
It has been over 90 days and XXXX XXXX  is dragging their feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last few months to cancel a recurring charge for service. Experian requires you to call them and then they have a 2 hour hold before they will take your call. There are several numbers, same result. 

It is impossible to stay on line for 2 hours. 

Last charge : XX/XX/2018 for {$12.00} recurring over last year or so. 
I understand that there must be serveral others who are trying to cancel but get discouraged by the 2 hour hold time for calls. 

I cant access them online either and there is no help available to do so.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries because I did not authorize them.
Product: Mortgage

We purchased our home in XXXX. We have had multiple lenders due to refinance or transfer but did not begin having issues until XXXX when the loan was transferred to Select Portfolio Servicing. Up until this transfer we had an automatic draft and we were on time every month. SPS would not or could not enable the automatic draft and each month we had to deal with getting the payment through to their office in Utah. We did not monitor the reduction in principal as we were on auto draft for years. When SPS began to notify us of late or missed payments we requested paperwork and payment history. After months of trying to obtain the history and paperwork of the transfers we discovered several discrepancies and inaccuracies. During this time we started receiving late notices and threats of default which we responded with large payments to SPS, one of the largest payments was in the amount of more than {$XXXX} of which we only recently discovered they only applied {$XXXX} towards principal. The other large payments also only applied {$XXXX} towards principal. We also discovered that the amount owed did not work out mathematically and was so excessive that it could not have made sense or worked out no matter what payments we entered. During this time we applied for the California relief XXXX of up to {$XXXX} and we were told that the application looked good and was escalated to the finial stage and the lender would receive the funds directly. Fast forward to XX/XX/XXXX when a courthouse sheriff crew showed up with a guy who claimed to have bought our house and we are kicked out and locked out leaving all of our belongings of XXXX  years locked inside with this man who had full access to our house, our belongings, paperwork, mail and lives. We observed through our already in place XXXX camera, this man taking bags of our items from our house where nothing of his would have been. We observed him taking our belongings for several days. He then emptied the entire house of all of our possessions and when asked where it was and advised that he threw it all away. We went to the XXXX XXXX XXXX recorders office on XXXX separate occasions and in-person confirmed that the owners of record are XXXX and XXXX XXXX and XXXX had been recorded since XXXX when we purchased the home. The last time we were in-person confirming this information was XX/XX/XXXX. He claims he bought the house XX/XX/XXXX but there is no record found on our address. Please advise. Thank you for your time. XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

I have decided to write XXXX complaints a day against Equifax in order to try to get them to follow the law and stop violating my rights. As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXXn did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I paid off multiple credit cards, a auto loan and paid down my student loan. This month ( XXXX ) im looking to get a new car and I cant because Experian as decided they wont update my report on time! XXXX  has updated my report and so did XXXX but for whatever reason Experian hasnt reported yet leave my score at a non ideal number at the time im looking to get a new car. I contacted them and they said they update the info as soon as the lender send info.. Well it was sent and it wasnt updated! The new statements are out!! every other bureau is reporting correct info! I demand my info to be updated now or i will contact my XXXX  lawyers!. 

I paid off my XXXX XXXX XXXX, I paid down my XXXX XXXX down to {$0.00} I Paid down my XXXX XXXX car down to {$11.00}
Product: Credit reporting or other personal consumer reports

My personal information was impacted by the data breach. Incorrect information on your report.