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

Subject : Request for Investigation of Credit Report Inaccuracies Under the FCRA To Whom It May Concern, I am writing to formally request an investigation into inaccurate and misleading information reported on my credit reports by XXXX, XXXX, and Equifax. The inaccuracies pertain to the following account : Account Name : XXXX Account Number : XXXX Below, I have outlined the specific inaccuracies and the violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent Reporting Across Bureaus The Date of Last Activity is reported inconsistently : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX This discrepancy violates FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information across their records. Such inconsistencies harm my creditworthiness and mislead potential lenders. 

2. Incorrect Late Payment Reporting All three credit bureaus report a 90-day late payment on the account, even though the balance is {$0.00} and the account is marked as either " Paid '' or " Closed '' : XXXX : " Closed '' with a {$0.00} balance. 

XXXX : " Paid '' with a {$0.00} balance. 

Equifax : " Closed or Paid '' with a {$0.00} balance. 

Reporting late payments on a paid or closed account is factually inaccurate and violates FCRA Section 1681s-2 ( a ), which prohibits furnishing false or misleading information. 

XXXX. Unverifiable Information The Creditor Remarks and Original Creditor fields are incomplete : XXXX : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

Equifax : " -- '' ( not provided ). 

Under FCRA Section 1681i ( a ), all information reported must be verifiable. The failure to provide the creditor 's name and remarks renders the data unverifiable, and it must therefore be removed. 

4. Late Payment Reporting After Account Closure The account is marked as " Closed '' or " Paid '' as of XX/XX/XXXX ( per XXXX ), yet late payments are reported after this date. This contradicts the account 's status and violates FCRA Section 1681e ( b ), which prohibits inaccurate reporting. 

5. Denial of Dispute Rights The reports state " Account not disputed, '' yet there are clear inaccuracies. This misrepresentation denies my right to dispute under FCRA Section 1681i ( a ) ( 1 ), which requires that credit bureaus reinvestigate disputed items to ensure accuracy.
Product: Credit reporting

XXXX credit informed that the hard inquiries created by fraud activity would be removed from my credit reports. XXXX still states that they have submitted the deletions to all XXXX major credit bureaus, yet the inquiries are still there.
Product: Debt collection

I have recieved information about an account which I do not agree. This account is reporting inaccurate information to the credit bureaus in which is total wrong. I was charged {$2800.00} from XXXX XXXX XXXX back in XXXX. I do not understand why this account is in collections with Hunter Warfield because I do not owe that amount. I feel that I am being charged for items out of my control. I have tried to reach out to the company to get information on why they are stating I owe this amount, but I have not received an itemized list or proof of why. 

I started disputed this account back in XX/XX/XXXX, for reporting inaccurate information on my credit report and I am getting computer generated information which does not provide proof of the original debt from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against me. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria.

Despite this clear request, the following inaccurate item remains on my credit report : XXXX  - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX  Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Product: Vehicle loan or lease

The loan has been paid off over a month and I have still received refund of the overpayment. Amazingly, I have received the title back but the {$2000.00} overpayment has still yet to be processed. The loan details are with Hyundai Motor Finance : - XXXX XXXX XXXX Overpayment made XXXX XXXX Still awaiting refund for overpayment of XXXX Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Title received XXXX
Product: Credit reporting

There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred.
Product: Credit reporting or other personal consumer reports

I am asking for debt validation. I kindly request a written confirmation of your investigation results and the action taken on my credit report. According to FCRA section 605 B, it is illegal.

Remove fraud and reinsert errors on my reports. Claims according to 15 USC 1692G Despite my submissions, PROCOLLECT INC consistently responds within XXXX hours, stating that the account is accurate, without providing evidence of a thorough investigation.
Product: Student loan

I submitted the complaint below approximately 2 months ago and still have not heard any updates from my student loan servicer. This is unacceptable as the interest continues to accrue on my loan without any resolution or update from my loan servicer. 

Original complaint from 2 months ago- I am currently on the SAVE plan and have been paying my necessary monthly amount, yet have run into two challenges that are not being addressed by my loan servicer. Challenge 1- According to the XXXX plan as long as the minimum monthly payment is made, the government subsidizes 100 % of remaining interest and thus the loan amount should not be increasing due to interest. I, however, have been noticing that interest has been accruing monthly since i signed up for the XXXX plan, despite my on time payments. XXXX XXXXXXXX to my student loan servicer, as changes are currently being made to the SAVE plan, I have been placed on a temporary forbearance period, during which there are no payments due, and according to the SAVE plan, no interest should be accruing during this time.I, however, am noticing that interest is still accruing despite being placed on a forbearance. In both points mentioned above interest is accruing when it shouldnt be and no communication is being given on how to fix the situation. I contacted my student loan servicer and mentioned the above two challenges that Im facing. I stated that 1. there should be no interest accrued/loan amount should not be increasing if monthly payments are made 2. during the current forbearance there should be no interest accrued. The agent I spoke to ( XXXX XXXX sounded confused as to why my interest is still accruing and after being placed on hold numerous times I was told that the program my servicer uses still accrues interest on my loans and that the government will adjust my interest accrual on a quarterly basis, which has still not happened. The agent I spoke to told me that I would get a call back later in the week with an update, however almost two months have gone by at this point, interest is still accruing and I have gotten no update from my loan servicer. This is completely unacceptable as my loan servicer should be held responsible in making sure the loan amount and interest accrued is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are incorrectly reporting on my credit file : XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : XXXX
Product: Debt collection

Got debt collection notice in mail today from Portfolio Recovery Associates of XXXX VA. Notice was in Spanish.

Called XXXX XXXX XXXX  at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days.

Filed a complaint against Portfolio Recovery Associates with the State Attorney Generals office.

Called XXXX  to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did Portfolio Recovery Associates tie me to this debt, if a real debt it is. Did PRA invent the debt?

Contacted my lawyer XXXX XXXX  in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which Portfolio Recovery Associate received.

On XX/XX/2018, Portfolio Recovery Associates sent me another notice also in Spanish.

On XX/XX/2018Portfolio Recovery Associates responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt.

Portfolio Recovery Associates never responded to the fact that the debt was incurred via a XXXX credit card, which I do not have and, moreover, XXXX has no record of me owning one. XXXX  checked its records via my name and social security number.

Will send another certified letter demanding payment history, one from XXXX itself. ( Haven't sent as of XX/XX/2018 ).

Portfolio Recovery Associates has not provided anything beyond what it said appeared in the Sellers records.

Called Portfolio Associates at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX   indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted Portfolio Associates.

On XX/XX/2018 Portfolio Recovery Associates send copy of billing statement from a XXXX in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to XXXX   Credit Cards. I thought the debt was incurred via a XXXX   credit card. I also got the address of the person or persons who made the purchase. Portfolio Recovery Associates never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from Portfolio Recovery Associates a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers.

I just called my lawyer 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, regarding XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.
Product: Debt collection

An security alarm company, XXXX/XXXX/XXXX XXXX XXXX, on XX/XX/2017 Scammed me with a defected security alarm system. The installer can to my house after dark to install the system. When he finished he had no paper work with him, saying the office would contact me the next day. He said I would have to pay {$99.00} for installation with a credit. I paid with my credit card, and he sign the installation sheet and told me to sign, I did. He told me If I had any problems to call him. He wrote the phone number down and Left. The next day I dropped the handle of my mop, and the alarm went off like crazy, I call the installer, XXXX XXXX. He told me to reset it. I called him many, many time after the initial time, because the system would go off for any little reason. The installer stopped answering my calls. XXXX, would call me when I would leave home on multiple time, saying someone was in my house, I rush back home and nothing would be wrong, except the alarm.going off again. XXXX sent out many people. Finally the last the last guy told me the wrong system was installed, and to call XX/XX/XXXX loyalty dept, to get the correct system. Called XXXX, the next day, They said the company that did the installation was XX/XX/XXXXand they would call them with me on the phone. They talk to a XXXX in finance, explained what was happening with my system, and a new system should be installed for my high ceiling, She said they only had one type of system. She said she would cancel my contract, I told her I never sign a contract, because they never sent me paper work. She did not respond. I ask her about refunding the {$160.00} and all the money I paid, she stated she would refund the XXXX only, she never refunded me the {$160.00}. She said the system would be turned off right away, but she turned it back on two week later. I called and called, XX/XX/XXXX/XX/XX/XXXX, they would not take any of my calls or leave me on hold until I hung up. Please help we, they have ruin my credit. I found out later, that XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ( Which was the company I called ). All three works together to fraud and scam people. There are many people on the internet that are saying the same thing about these three crooked companies. The three crooks, put a contract on line, where someone from their company forged my signature.
Product: Money transfer, virtual currency, or money service

Ive been trying to get PNC Bank to lift fraud alert since XX/XX/2019, and previously since XX/XX/2019. XXXX XXXX XXXX state its a bank issue, and PNC Bank says XXXX XXXX XXXX arent fully processing payment. Which is a lie, I can not even pay my bill online using WiFi, that means bank is stopping my debit transactions, slowed down my online XXXX XXXX XXXX XXXX and turned my data, calls, and texting off XX/XX/2019. All others transactions with my card work except XXXX XXXX XXXX, and expiration date is soon.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to formally file a complaint regarding the sudden and unexplained closure of my checking account. Below is a detailed timeline and account of the events : I am currently preparing for my wedding, and my father transferred a total of {$50000.00} to my checking account from his XXXX XXXX brokerage account to help with wedding expenses. The transfer was perhaps initiated on XX/XX/year> and I received the amount on XX/XX/year>. 
After receiving the transfer, I attempted to move the funds into my high-yield savings account until payments for the wedding were due. I attempted this on XX/XX/year> Shortly thereafter on XX/XX/year>, I was notified that my Chase account had been completely locked. This action was taken automatically without any prior warning or explanation. 
I immediately contacted Chase customer service at both the national helpline and my local branch, requesting that my account be unlocked. However, both times I was refused access to my funds, and I was not given any valid reason for the account freeze. 
I no longer have access to my online banking accounts, which has caused significant disruption, including preventing me from making timely payments on my Chase credit card. The bills are typically paid on time through the Chase portal and linked checking account. 
Additionally, I contacted XXXX XXXX to verify that there were no issues with the {$50000.00} wire transfer. XXXX confirmed that the transfer was completed correctly and there were no errors on their end. 
Despite this confirmation, Chase has not provided any explanation or resolution regarding the issue. 
I also noticed that my XXXX account was detached from my Chase checking account without my consent, which compounded the difficulty in accessing my funds. 
I am extremely frustrated and concerned about the lack of transparency and communication from Chase. I rely on this account for both personal and financial management, and I need immediate assistance in understanding why my account was frozen and how to resolve this matter as soon as possible.
Product: Debt collection

I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX : Dispute of Late Payment Account Number XXXX To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report associated with my XXXX XXXX XXXX account number XXXX. Upon reviewing my credit report, I noticed an entry indicating a late payment that I believe is incorrect. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, the use of consumer reports is regulated to ensure accuracy and fairness in credit reporting. I believe the late payment reported on my account does not accurately reflect my payment history and is adversely affecting my credit score. 

To support my dispute, I am providing the following details : XXXX. **Account Information** : - Account Holder : XXXX XXXX XXXX Account XXXX : XXXX XXXX. **Disputed Item** : - Date of Alleged Late Payment : [ Date of Late Payment ] XXXX. **Reason for Dispute** : - I have always made timely payments and have not missed any payments for the period in question. 

I kindly request that you investigate this matter and remove the incorrect late payment entry from my credit report. Additionally, please provide me with written confirmation that the error has been corrected. 

Please respond to my dispute within the time frame specified by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your confirmation of the correction. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : copy of ssn card & identification
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.