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

A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and TransUnion, being placed on hold, then disconnected.
Product: Debt collection

I writing this letter filing a complaint against PORTFOLIO RECOVERY ASSOCIATES LLC : Account # XXXX ORIGINAL CREDITOR ; XXXXXXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I wrote to PORTFOLIO RECOVERY ASSOC LLC on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if PORTFOLIO RECOVERY ASSOCIATES and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the XXXXXXXX XXXX failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 

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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

CAPITAL ONE Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Product: Debt collection

I owed a debt of {$520.00} for a XXXX XXXX credit card. When I was unable to pay, a debt collection agency, Portfolio Recovery, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
Product: Debt collection

Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. 

Representative hung up on me.
Product: Credit card or prepaid card

I noticed charges from XXXX XXXX, which I did not authorize. 

Cash App refunded 2 out of 3 charges and sent me a new debit card. They are giving me the runaround about the third charge and I am very frustrated.
Product: Debt collection

I previously leased merchandise through XXXX XXXX XXXX XXXX  via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XX/XX/XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, XXXX XXXX XXXX to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to security credit services. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX ( was removed from XXXX in XXXX ). Ive paid this debt already!
Product: Credit card or prepaid card

Following a Delta Sky Miles offer I was given a Delta American Express Gold credit card in XX/XX/2016 with a credit limit of {$2000.00} whilst unemployed ( which I disclosed ). I subsequently got a minimum wage job but could not afford to pay off the balance. Every time I reached my limit American Express increased the credit limit despite the fact I was only paying the minimum. The authorized limit went from {$2000.00} to {$6000.00} to {$12000.00} and to {$15000.00}. Even on the {$15000.00} limit they allowed me to go close to {$17000.00}. In XX/XX/2016 my salary was gross {$22000.00} and today it is {$30000.00} but I am struggling to pay the debt down. 

I contacted the American Express Gold Card department several times and was literally laughed at when all I wanted to do was to find a solution to my issues. They offered no support or advice. As a last resort my father spoke to the Platinum department and was treated in a similar manner. 

I am still paying the minimum and see no way out of this situation. I do believe this is predatory lending and unacceptable.
Product: Mortgage

I have been trying to work with my lender XXXX ( XXXX ) about my PMI insurance. The company absolutely refuses to eliminate my PMI NO MATTER WHAT prior to the year XXXX. I currently owe XXXX on a home worth XXXX ( Their estimate ). 

Please let me know if there is anything that can be done, they are extremely rude about it. 

My cell is XXXX. 

XXXX XXXX XXXX ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Debt collection

First Federal Credit Control # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP. 

Please remove this account off XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XXXX, she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX/XXXX  = {$7200.00} which was sold to XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceeding against them for similar violations. I request that CFPB take action to ensure XXXX complies with the necessary proof if investigation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 further of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : AXXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : AXXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

To Whom It May Concern : I noticed in my consumer report there is a collection account off reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is VanceHuffman. I do not own this account, nor do I have any knowledge of this account. VanceHuffman is violating my consumer privacy rights.

Im requesting that VanceHuffman cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition VanceHuffam is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. VanceHuffman is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudlent, and illegally practicing debt collection in the state of California that VanceHuffman is not licensed or bonded to do so.

I hereby assert that VanceHuffman debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation VanceHuffman to pursue damages and ensure accountability for their actions.

I am formally requesting that VanceHuffman promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


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

On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to address this issue by reporting the incorrect information, which is significantly impacting my personal life and causing considerable mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and providing for my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a victim of identity theft. For your reference, I have attached my letter along with the FTC report. If this issue is not resolved promptly, I will pursue legal action.
Product: Debt collection

I opened an account with XXXX on XX/XX/XXXX in which I only ordered a SIM card, which was free, since I had my own phone. When I received the SIM card a few days later, I attempted to activate my account so that I could use the service; however, I was not able to activate the account due to a PIN number issue. After calling their customer service, my issue was not resolved, so I returned to my previous mobile provider and canceled my account with XXXX They assured me that the account was closed and I would not be charged anything since I was not able to activate my account use the service. Fast forward, XX/XX/XXXX, I receive a letter from XXXX  about an overdue amount. I called customer service once again and they again canceled the account and assured me that the account was closed and the amount would fall off, so I did not need to pay anything. Then again in May I receive another letter from XXXX regarding the bill that I was wrongly fully charged and that they had claimed would fall off after closing the account. This time, they said they would send it to debt collection if not paid. I then again call customer services who is now telling me that they can not access my account to cancel the charge since it has been closed. After 10+ calls with customer service giving me the runaround, they tell me to go to the store and change my pin so they can access it. I do that, call back, and they still tell me that they are unable to access my account and change anything because my account now belongs to the debt collection Agency Amsher. I called the debt collection agency and they tell me that XXXX has to resolve the issue. Bottom line, after months of speaking to representatives and getting the runarounds, the charge hits my credit score in XXXX as an unpaid debt. I never owed XXXX any money to begin with and they have now ruined my credit score due to terrible customer service and bad business management.