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

Subject : Complaint Regarding Fraudulent Debt Claim by Portfolio Recovery Associates Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/year>. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXXXXXX 's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and Portfolio Recovery Associates directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of Portfolio Recovery Associates violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by Portfolio Recovery Associates violates this requirement.

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by Portfolio Recovery Associates constitutes a breach of this statute.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Portfolio Recovery Associates correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation.

Thank you for your prompt attention to this matter.
Product: Debt collection

I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have violated my rights to privacy as a consumer protected by federal law according to the Fair Credit Reporting Act under 15 USC 1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A says that I have the right to privacy.

15 USC 1681 Section 604A section 2 says that a reporting agency can't furnish an account without my written consent to do so.

15 USC 1681c. ( a ) ( 5 ) says that no 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 USC 1681s-2 ( A ) ( 1 ) says that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My wallet was stolen. This happened XX/XX/year>. Cash App determine the fraudulent funds were not refundable. I had an estimate of {$300.00} charged. Cash App showed no concern and treated me like it was my fault. I didn't know how to deal with the situation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX amount {$4600.00XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX amount {$850.00} XXXXXXXX XXXX  {$710.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$890.00} Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

Reaching out via phone call to my wife and daughter. I explained to them that my debt is with XXXX for settlement and they keep harassing my family.
Product: Credit reporting or other personal consumer reports

XXXX and Barclays have failed to respect my personal information, violating multiple laws by placing incorrect and improperly used data on my credit report. This negligence breaches the Fair Credit Reporting Act ( FCRA ), which mandates accuracy in consumer credit information, and the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to protect consumer data. Their actions have caused harm by misrepresenting my financial history, leading to potential denials of credit and financial opportunities. Additionally, I completely paid off an account that was not mineroughly {$1300.00} around XX/XX/XXXX, XXXX to resolve the issue. However, they have yet to honor the agreement and correct my credit report accordingly.
Product: Money transfer, virtual currency, or money service

I have had a Cash App account for some years. I transferred {$150.00} to my Cash App account and was unable to send the funds to my wife. I was also unable to use the funds on my digital wallet. Every time I try to use the cash app to send or spend the money the transactions are denied. I ordered a digital card and a physical card. When I downloaded the digital card and tried to use it they deactivated the card. They are accusing me of not following the terms and conditions and I have not done anything to violate their terms and conditions. They have been holding my money since 2020 and will not return it.
Product: Credit reporting or other personal consumer reports

I have been having a problem with XXXX, transunion, and XXXX. I have been asking for the letter of approval from three credit cards that show up on my report. All three credit reporting agencies refused to send my the letter of approval from my XXXX  XXXX trussee off. And refused to remove the problems. But say they they checked in to it.
Product: Mortgage

The company Rushmore called today and left a voicemail telling me to call them back. 
I did and it placed me into a loop and I couldn't speak to a person and could not get the information I am requesting
Product: Debt collection

This business has been calling me multiple times every single day, even on weekends and after XXXX XXXX XXXX XXXX  even after being asked multiple times on a daily basis not to continue to call me .... I'm not even sure if this debt is mine or if this debt even truly exists. But I am tired of the phone calls every single day, and I'm tired of asking them to stop calling me. This is getting ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Bank Credit Cards XX/XX/year> Inquiries 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.
Product: Debt or credit management

XXXX credit agency request fraudulent information to be removed several times they refused by saying this information is correct and verified and will remain on credit file, Ed Financial, student Loan, I have never applied for a student loan, XXXX XXXX yrs old worked Same job XXXX yrs, does not belong to me.
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on my credit report that I would like to have investigated and remove as soon as possible. 

XXXX XXXX XXXX first of all we've never been late. There were some fraudulent charges made on the account for some reason the bank approved half of them and of the other half but 100 % of it was fraudulent so we should have a XXXX balance. Also, I was just an authorized user on this account, and we have requested to remove me from the account and close the account so I have no idea why this is still showing up on my credit report. I'm not the primary and I should not be on the account anymore. 

XXXX XXXX XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX. XXXXXXXX XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me If you can't prove that the account originally belong to me then I expect you to remove There are also some inquiries on my account that do not belong to me. I've contacted the bank directly. They agree that the inquiries were made fraudulently and should not be listed on my credit report, but they say it's up to the credit reporting agency to remove them feel free to call the Bank if you're uncertain. I would like all of these removed as soon as possible. And paper copies of the updated Report sent to me as soon as possible paper because I can not login every time I try to login online it always tells me I have to call so I want everything sent to me in writing paper 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: Debt collection

I was hospitalized in Virginia at the XXXX  XXXX XXXX ( XXXX ) in XX/XX/2018 while visiting family. I have health care insurance through XXXX XXXX XXXX but based in southern California. XXXX accepts XXXX XXXX but they had to create a temporary ID for use through XXXX based in Virginia. They had put in my California XXXX ID instead of my Virginia ID and that's why it appeared that I didn't pay my debt. The amount of my bills are {$1300.00} and {$55.00}. 

I called XXXX two years ago and gave them my XXXX information and XXXX information and they said I did not owe any debt to them for the hospitalization as it was completely covered by my insurance. For some reason this debt was sold on to Pendrick Capital Partners II who keeps sending me letters in the last couple months in the mail and calling over the phone pursuing this debt that I do not owe. 

Can you please advise what needs to be done to prove to them that I do not need to pay them any debt especially as XXXX  XXXX XXXX themselves do not believe I owe them any debt and end the endless harassment by this debt collection company? I am very sick currently with XXXX and I can not take on this kind of harassment at this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I am a victim of identity theft as a result of a data breach. When I learned of this, I began reaching out to the institutions and banks reflected on my credit report, all of which I have no affiliation with outside of the fact that my information was fraudulently used to open up a plethora of accounts under my name. I have been successful in the process of disputing these accounts and outstanding balances with XXXX out of XXXX accounts, which have since been removed from my credit report as a result of my actions and efforts to prove that I was not the individual involved in opening the accounts. However, I have been in the process of disputing credit with DISCOVER BANK, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 and have yet to have my case resolved with these agencies. With Discover Bank specifically, I have submitted copies of police reports, an FTC report, proof of identification and personal statements, and have expressed my frustration with their lack of attention and ability to identify my account activity as fraud, yet they continue to write back to me saying that " unless I have new or relevant information to support my claim, '' they can not move forward with my dispute. I feel this is unfair on their part, I have taken all actions and have provided all documents necessary yet they sustain that nothing more can be done. As for the XXXX other entities, they have approved my dispute and XXXX calendar days have passed since their approval yet the derogatory information still appears on my credit report. I feel that I have taken every step possible in moving forward and I no longer know what to do to restore my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. I also filed an Ftc Identity Theft Report To Have Them Blocked & Removed. 

This report has been sent to Experian over 30 days ago, and the inquires have not been removed. 

This information was sent via certified mail along with a green return receipt. An employee of Experian accepted my dispute package by XXXX XXXX. 

The inquires in question are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opened savings account with Citibank. Was notified in XXXX that they were closing the account and would send our funds back to us. It is XXXX, and we have received no funds after multiple phone calls.
Product: Checking or savings account

My Bank of America EDD debit card information was somehow stolen and around {$3000.00} were drained from my Debit account using ATM withdrawals leaving me with a meager {$200.00} balance before the XXXX XXXX XXXXI only found out on Thursday XX/XX/XXXX after my card was declined at a XXXX. There were 2 fraudulent withdraws for {$1000.00} cash at an atm and another withdraw for {$900.00} followed by another withdraw for {$100.00}. All in less than 48 hours. The bank failed to notify me of any fraudulent activity which had occurred on the XXXX and simply suspended my card. When I got a hold of them that day after my card was declined they had me open a claim and informed me it could be up to 90 days thats 3 months before they decide if they will credit my account or not for the stolen funds. Keep in mind I had the physical card on hand and someone was able to withdraw {$3000.00} from an atm without my actual atm card. The bank transferred me from rep to rep over two days and said all they could do was perhaps give me some kind of credit in 10 days but emphasized they could not do anything about it at this time. Its clear they failed fo secure my information properly, failed to notify me of the fraudulent activity, and considering that all atm machines have cameras nowadays they can clearly check the atm at which these withdrawals took place to see it wasnt me and find out who did it. I have replied on these unemployment funds to survive and Bank of America has left me penniless and unable to provide for my family and my sick grandmother because of their inaction and lack of urgency. They refuse to credit my account back for the stolen funds and are forcing me to wait 3 months.
Product: Credit card or prepaid card

I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.