23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to find unauthorized inquiries from companies I have never engaged with. I have not applied for any new credit, nor have I given consent for these inquiries to be made. These unexpected activities are deeply concerning and raises serious questions about the security of my personal information. As someone who takes financial privacy seriously, I find it unacceptable that these inquiries were conducted without my permission.
Product: Debt collection

XX/XX/XXXX I was moving to a new address so I went to the Corporate XXXX  office in XXXX m, TX to change address on the account and to make me the primary account holder removing XXXX XXXX ( my mother ). I was receiving bills in my name and everything. Everything was changed and completed. XXXX we decided to switch providers to XXXX XXXX  had a deal to buy you out of the contract. They told me it takes about 3 to 4 months to let XXXX know. XX/XX/XXXX I called XXXX to make sure we were squared away and everything had been taking care of. The employee told me I was good to go and if I decided to come back to the XXXX family to let them know. I never received anything regarding non payment or anything. XX/XX/XXXX I received a phone call from Sequium Asset Solutions looking for my mother. They reported to my mothers credit for the amount of XXXX. My mother called them. They told my mother that the actual amount was for XXXX but your daughter sent in a check that has bounced multiple times which has accrued the additional charges for insufficient funds. I never sent a check I was under the impression that everything was taken care of. She gave them permission to talk to me. So I called them XX/XX/XXXX and told them that my mother shouldnt even be on the account anymore that I had her removed. So they should t be calling or reporting to her credit at all. That XXXX bought out my contract and XXXX told me I was squared away. I also let them know about the check I supposedly sent. I asked for a copy they refused to send it. The woman named XXXX XXXX said it sounds like you are disputing this debt. I said yes maam this information you have is all wrong. Well we can work with you and you could just pay the amount of XXXX would you be willing to do that. I am disputing all of this debt. She never told me what I needed to do or what my options were to dispute the matter. She hung up on me. They called my mother and said they have no records of mine and their conversation or my mothers previous conversation. She also asked again about the check they claimed had bounced and they denied they said that. They told my mother they will continue to attack her credit every month until the debt is paid. My mother disputed the collection on her credit through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that i do not recall. Please see items listed below. 
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  Please forward me any documentation providing proof i applied for credit with these creditors. If you can not provide such documentation, then please remove these inquiries from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.
Product: Debt collection

I sent certified letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the collection account ( which is reporting as a medical account ) from Credit Service Company in the amount of { XX/XX/XXXX in the amount of {$430.00}, XX/XX/XXXX in the amount of {$440.00}, XX/XX/XXXX in the amount of {$440.00}, and XX/XX/XXXX in the amount of {$440.00} } as you notice the balance increase monthly. XXXX and XXXX   deleted the collection account from my credit report ; however, on all occasions, XXXX stated the information was verified and accurate ; however, XXXX  nor Credit Service Company Inc. has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. Under the Fair Debt Collections Practices Act ( FDCPA ), proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. Penalties against Credit Service Company Inc. is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Credit Service Company Inc. has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. The creditor ( Credit Service Company Inc. ) refuses to provide all documentation requested. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Credit Service Company Inc. clearly has not. Please have account deleted from my credit report.
Product: Mortgage

A payoff for a reverse mortgage with AAG was requested and received for XX/XX/2020. Due to some problems with the financing company the the closing had to be postponed until XX/XX/2020. A request was made on XX/XX/2020 at XXXX XXXX by the title company for a revised payoff. The AAG said it would take five to 10 days to respond to the request. Since the the closing was scheduled for XX/XX/2020 this was not acceptable. Numerous call were made to the AAG Payoff department by the title company and the mortgage holder but they refused to provide a mortgage payoff. Because of the refusal by AAG three houses could not be closed as scheduled. 

The mortgage holder requested to talk to a supervisor they were told it would to 24 hours before a supervisor would be available. I believe they were just stonewalling me. I would think that the payoff could be determined quickly. If I called a bank or credit union I could get the payoff of a loan while I was on the phone. Additionally, they said that the payoff would be as of XX/XX/2020. This means since the request was made on XX/XX/2020 that about 28 days of interest would be received by the mortgage company that they did not earn, in affect the broower was being charged a penalty for payoff the mortgage early. The mortgage papers said there would not be a penalty for early payoff. 

It appears to me that rAAG did not care about their customers and was charging them for service they did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting or other personal consumer reports

Account Number XXXX I am writing to formally dispute the inaccurate information reported on my credit file related to the above-referenced account. Below, I have outlined the discrepancies and inconsistencies that I have identified in the reporting by your bureau compared to the data provided by other bureaus. 

Account Details : The account status is reported as " Indeterminate '' with no clear resolution. Please verify and update this status to accurately reflect the true state of the account. 
XXXX shows this account as a " Charge-off, '' while TransUnion lists XXXX Payment after charge-off/collection. '' These discrepancies need reconciliation. 

Comments : TransUnion notes the account as " Purchased by another lender. '' However, no such indication or detail is provided in XXXX 's reporting. This is critical information that should be consistent across all reports. 
Last Reported Date : TransUnion reflects " XX/XX/year>, '' whereas XXXX lists " XX/XX/year>. '' The discrepancy raises concerns regarding the accuracy of reporting. 
Date Last Active : TransUnion and XXXX report different dates ( " XX/XX/year> '' vs. " XX/XX/year> '' ). This inconsistency must be investigated and corrected. 
Account Type and Terms : XXXX indicates " 17 Months '' for the terms, while TransUnion lists " Monthly. '' Please confirm and provide accurate details. 
Requested Actions : Conduct a thorough investigation to validate the accuracy of the reported information with the original creditor or applicable third parties. 
Correct any discrepancies in the account type, account status, payment status, and other fields as highlighted. 
Provide me with a detailed summary of the investigation process and the evidence used to verify the account information. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information you report is accurate, complete, and verifiable. Please provide a response and resolution to this dispute within 30 days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA XXXX. Their actions have resulted in numerous violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Massachusetts state consumer protection laws, which have significantly impacted my creditworthiness and caused undue distress. 

Complaint Details : XXXX. Failure to Provide Debt Validation : Portfolio Recovery Associates , LLC, has failed to provide proper validation for the alleged debts associated with account numbers XXXX and XXXX, despite my formal requests for validation in accordance with the FDCPA ( 15 U.S.C. 1692g ). They have not provided : A complete payment history.

The original purchase agreements, including all terms and conditions. 
Documentation of the date of last activity. 
Proof of their authority to collect this debt within Massachusetts, including a valid and non-expired license. 
XXXX. Continued Collection Efforts Without Validation : Under 15 U.S.C. 1692g ( b ), Portfolio Recovery Associates , LLC is required to cease collection activities until the debt has been validated. Despite this, they have continued collection activities, including reporting to credit bureaus, without providing the requested validation. 

XXXX. Reporting Inaccuracies and Re-aging of Accounts : Portfolio Recovery Associates , LLC has reported inaccurate information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), violating FCRA ( 15 U.S.C. 1681s-2 ). Specific violations include : Incorrectly listing charged-off accounts as open. 
Reporting the accounts as derogatory without validation. 
Re-aging the accounts to show recent activity, misleadingly indicating late payments. 
XXXX. Violations of Massachusetts Consumer Protection Laws : Their actions constitute unfair and deceptive practices under Massachusetts General Laws Chapter 93A.

Impact on My Creditworthiness : These actions have deliberately and negatively impacted my credit profile, affecting my financial standing and opportunities, and have caused undue stress and anxiety. 

Request for CFPB Assistance : I request that the CFPB investigate these violations by Portfolio Recovery Associates , LLC, and require them to : Cease all collection activities and reporting on the disputed accounts until proper validation is provided. 
Correct all inaccuracies reported to the credit bureaus. 
Comply with all applicable laws and regulations regarding debt collection and reporting.Thank you for your attention to this matter. I trust that the CFPB will ensure that Portfolio Recovery Associates , LLC is held accountable for their actions. 

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

I have requested this credit reporting company to fix my report with the correct information and they keep sending me frivolous letters. The letter is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Demand to Remove Inaccurate Credit Information To Whom It May Concern : Enclosed is a Mandatory Notice. I am returning to my given name of XXXX XXXX XXXX. Change my name on this credit report. I have changed my status and reclaimed my name. I am demanding this credit report include information I give permission for. I have been a victim of fraud and identity theft and I am demanding be corrected immediately. 
Furthermore, I would appreciate receiving an updated copy of this credit report at the aforementioned address. There should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past XXXX months of any necessary corrections. 
Upon reviewing my credit report, I have identified certain inaccuracies that require immediate attention : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED Without Prejudice
Product: Credit reporting or other personal consumer reports

I have already filed a complaint with the XXXX credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit score was XXXX on XX/XX/18. XXXX days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. Experian had dropped XXXX to XXXX on XX/XX/18
Product: Checking or savings account

I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. Since then, I have been given the runaround and cant access the requested information. Ive called numerous times and have gotten nowhere. I requested they transfer me to a supervisor and they do not have XXXX. I would like any and all information about this account that was created fraudulently in my name released immediately.
Product: Mortgage

USAA Federal Savings Bank held a mortgage on property owned by my late father. I attempted to purchase the property from the estate, but the Satisfaction of Mortgage was defective, making title to the property uninsurable. I contacted USAA to correct the issue. USAA has refused to issue and record the correct Satisfaction of Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

received letter from XXXX XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from transunion consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to zero 1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had XXXX XXXX as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
Product: Credit reporting or other personal consumer reports

In about XXXX of XXXX, I was renting a car. When I returned the car, they double charged me for one week. I had no overdraft protection on my checking account with Bank of America, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to XXXX XXXX and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with XXXX XXXX as this " account abuse '' wasn't showing up on my regular credit reports.
Product: Credit reporting

I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX