23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates LLC continue to send collection letters requesting {$1200.00}. Several dispute letters were mailed to this company requesting removal of in accuracies from my credit reports. The agency was advised that they were in violation of Fcra and Fdcpa. They were advised that to list information on credit reports was violation of my rights by reporting false inaccurate information by placing these false accounts on my consumer credit reports. the list collection that are reporting has not been opened by me and I have no knowledge of them. Please be advised that by law I have right to PRIVACY and the credit reporting agencies have violated it. The list of accused collection accounts and dates are Portfolio Recovery Associates LLC date XX/XX/21. By Law when an consumer starts a dispute with credit reporting agenices, the account the consumer is disputing must be deleted until further investigation. The credit reporting agencies as follow XXXX, XXXX, XXXX, and XXXX are currently in violation and has violated my rights under FCRA and FDCPA under code 15 U.S. Code {$1600.00}. I have sent letters to Portfolio Recovery requesting verification of account and I have requested them to send contract that authorizes them to collect money from me. The original debt was not with them and they are violating 1. 15 USC 1681 ( a ) ( 4 ) they have violated my right to privacy and per 15 USC 1681b, I did not give them written consent to furnish any information to anybody per 15 USC 1692 ( g )
Product: Credit reporting or other personal consumer reports

These accounts are charged off and since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these account properly after i asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following accounts : Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX Account # : XXXX WEBBNK/FHUT 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that no consumer reporting agency XXXX include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), 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: Debt collection

They called my XXXX  they made threats towards them basically trying to scam them asking for my dad social security. The representative is being XXXX, demanding and rude plus as well saying things that is making them unprofessional. 

I made a complaint about this same company of constant XXXX  calls made by them. Blowing my phone up XXXX time a day. When its gon na be put to a stop
Product: Credit reporting or other personal consumer reports

The following addresses have been reported on my credit reports and added to my credit files. They are reported as Points of Contacts for whatever accounts were added. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *This was the 1st address that was reported to my credit report & is a CLOSED BUSINESS per XXXX XXXX XXXX  & USPS . It was deleted and replaced with the following address to cover up the fraud account ( s ) & to make the fraudulent account ( s ) appear to be legitimate. ALL 3 Credit Bureaus received both Police and FTC Identity Theft Reports in XX/XX/. I am a victim Of Identity Theft. Instead of BLOCKING whoever reported the account ( s ), each credit bureau constantly allowed the thief to add and delete inaccurate & false information. 

XXXX XXXX XXXX XXXX XXXX, SD XXXX *This was the 2nd address used to report fraud account ( s ). 

The thief has added and used each accounts in the following names : Each account is FRAUD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I created a XXXX and XXXX  account with Marcus by Goldman Sachs in XXXX XXXX. My account has been locked after I attempted to make an outbound transfer. I called around 10 times through recent months and did a notary service to validate my identity per their request but they are still not able to unlock my account. Every time I called them, they just kept saying some one was working on reviewing my account and let me call back in another couple of business days. Now i just want to get my money back. Please help. Thank you!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX  reported varying posting dates to different credit bureaus. This inconsistency between TransUnion, XXXX, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX XXXX of XXXX Anne Taylor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FAX ( XXXX ) XXXX To Whom It May Concern I am writing you to put a security freeze on my credit report. Under the fair credit report act youre required to comply. My information clearly shown below
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor have I lived at these addresses.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently heard of the Wells Fargo settlement and I was not notifed. I applied years ago for a settlement claim dealing with Wells Fargo. I purchased my first home and Wells Fargo was the mortgage holder they also force placed an additional policy on my account that was paid every month for over 6 years until the flood here in XXXX XX/XX/2010 when I filed claim with Wells Fargo they sent adjuster out then paperwork denying my claim later I was no longer able to access my payments or account info any longer as Wells Fargo just deleted it. I lost my home later due to them not wanting to work with me when I filed bankruptcy. I just want the money that is owed to me
Product: Payday loan, title loan, or personal loan

I've tried reaching out a couple times but unfortunately could not wait due to being at work and longer hold times. But on XXXX XXXX, I applied and was approved for {$450.00} payday loan. I appreciate that Bright Lending approved me and was able to help in my time of need however after reviewing their documentation more clearly, I feel preyed upon by them as they have given me an APR of 674.98 % and Per Colorado Proposition 111 that is a clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

They agreed to accept {$140.00} as payment in full. I oaid them and now they are still saying I owe them {$140.00} on my credit report. The balance is XXXX and the account was settled. I do not owe them anymore money.
Product: Credit card

I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute letter on XXXX XXXX and it was received XXXX XXXX tracking XXXX pertaining to account XXXX  XXXX. Equifax DID NOT insert the notice of dispute on my credit report which should have been there within 30 days, it has been 51 days since my letter was received. This is a VIOLATION of my rights and impacting my good character. I have attached doc.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Transunion a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Transunion failed to respond within the 30-day investigation period required by law. 2. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from Transunion, I sent a second letter asking them to reinvestigate my initial dispute. Again, Transunion did not respond or communicate any action taken. XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Transunion regarding my dispute. Under the FCRA, consumer reporting agencies like Transunion are legally obligated to : - Investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Transunion has far exceeded this timeframe, ignoring four separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. Transunions lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to Transunion, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Transunion 's failure to comply with FCRA guidelines within the legally required timeframe. Transunions lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.
Product: Debt collection

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) CMRE, account number XXXX ; 2. ) CMRE, account number XXXX 3. ) CMRE,  account number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of Lending Tree messing up people 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. 

According t

o 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this PLEASE HELP
Product: Mortgage

I have been in talks with US Bank and XXXX XXXX XXXX XXXX XXXX  each company is blaming the other one bank says a property payoff wasn't receive and the other says it was sent. because of this error i now have 3 loans on my home. US bank states they sent the payoff and check and XXXX  says they merely received a payoff check but not an actual payoff. both loans were for 2nd position and now there is a 3rd how is that possible This will surely force me in Bankruptucy and i will also need to hire an attorney to look into this matter. It is not fair that rules were put into place by regulators but big banks dont need to follow them.
Product: Credit reporting or other personal consumer reports

XXXX and transunion and XXXX are now in violation U.S. Code 1028A - Aggravated identity theft U.S For not sending me Method of verification for account below that were disputed I was supposed to get documents of how credit bureaus have intimated disputes along with all procedures and findings of the investigation within 15 days of receipt Sent my address on file XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all accounts that need to be removed off consumer file XXXX, XXXX and transunion Are also in violation Of 1681A ( i ) a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report Transaction history and experiences which all accounts above in violation 15 U.S. Code 1681e mandates that consumer reporting agencies, like XXXX and XXXX, maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. However, it seems they are not adhering to these standards. 


So I will give XXXX, XXXX and transunion 30 days to remove accounts from report If information is not removed I will take action to find a resolution By Filling a identity theft report against Credit bureaus Making a Complaint with the federal Trade commission FILLING A XXXX complaint And filing a Congressional inquiry with congress To Have that Governing body investigate why Credit bureaus are reporting non disclosed information that is supposed to be excluded from Consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital/BJsWholesale pulled my XXXX  credit report, which I absolutely DID NOT authorize them to do so. I've written to them and called them, but to no avail. Also, XXXX  has refused to do a legitimate investigation.