23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which have been reported by PORTFOLIO RECOVERY ASSOCIATES LLC . Upon reviewing my credit report, I have identified several violations of federal laws in the handling of my account, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, I have not received sufficient documentation to validate the debt they claim I owe. This failure to provide validation directly infringes upon my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper channel through which I can challenge the accuracy of the reported information, thereby denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. These actions violate my consumer rights and undermine the integrity of the credit reporting process. It is imperative that such unethical practices be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This blatant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) constitutes a clear violation of my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against PORTFOLIO RECOVERY ASSOCIATES LLC. for failing to comply with federal laws and disregarding consumer rights. 

Thank you for your prompt attention to this dispute. 

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

I disputed incorrect information contained in my credit report in a letter dated XX/XX/23 ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act, I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. Please see the dispute letter attached which is dated and time stamped.
Product: Credit reporting or other personal consumer reports

Good morning. At this point I want ; 1- Complete accounting of alleged debt. 
2- Completed detailed transactions, refunds, chargebacks, credits, or dishonored checks that put the account on negative balance. ( All Credit Card Statements from beginning to last one ) 3- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. ( Original and Completed Credit Application Form ) For all accounts Experian fail to block or remove using the expression " Furnisher had certified to Experian this account belongs to you '' I will be demanding this documentation or information MUST BE REMOVED from my credit files. 

Attached a complete set of Documents to support my Identity Theft form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX 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
Product: Debt collection

A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to LVNC and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.
Product: Credit reporting or other personal consumer reports

ThiXXXX XXXX  account is showing two different amounts of late payments. Also, this account was closed in XXXX and they are STILL reporting on my credit report as current as XX/XX/XXXX. The information should not be reported being any longer due to the account being in closed status. All inaccurate late payment history from XXXX up to date should be deleted along with the account. One report states XXXX missed payments while another states XXXX. All being reported on a closed account since XX/XX/XXXX.
Product: Checking or savings account

XX/XX/13 my Chime bank account was hacked or scammed! The thieves stole {$550.00} from my account leaving me penniless! I called Chime opened a dispute and two days later they said that they didn't find any fraudulent activity I said I was in Alabama the transactions happened in a totally different state! They said sorry nothing we can do we don't see anything wrong! They did this twice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX also Experian you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported a 0 month Term but XXXX XXXX reporting a monthly Term at all also Experian is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

My housing lender had told me to establish some credit that I can get my husband to put me on his credit card as an authorized user and he did so and it boosted my score on both XXXX and Equifax but then a month or so later my Equifax score was 0 called and they said they couldn't identify my identity so I sent them what they asked for then I asked about my report they said I had no establishing credit or score but yet I had already gotten pre approved for a home loan using both XXXX and Equifax now they said that they never had a report on me when I logged onto XXXX XXXX it shows when they had a score for me I called and tried to get it fixed they wouldn't so now I'm stuck without getting a home that me and my husband has been waiting forever to get now so I wanted this issues fixed
Product: Debt collection

The debt of {$270.00} is paid in full. Please remove from my credit report. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$74.00} was paid leaving a {$0.00} balance : Order # XXXX, Reference # XXXX, Authorization Code XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX - XXXX XXXX Report Date : XX/XX/2023 Account Number 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a fraud alert with XXXX. I was notified by XXXX that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

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

Credit card was paid in full, however it is reporting as a mortgage charge off. This is affecting my ability to get a mortgage and other loans. I have tried to resolve the issue with the credit card company ; however, the this issue still remains.
Product: Debt collection

CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with Jefferson Capital. This matter has caused significant financial hardship and XXXX XXXX, and I seek your urgent intervention. 

In XX/XX/year>, I paid ( in full ) an outstanding debt to XXXX XXXX. Despite fulfilling my financial obligation, in XX/XX/year>, the debt/collection account for the same debt resurfaced on my credit report under XXXX XXXX XXXX This was utterly shocking and XXXX  as I had resolved this matter almost a year prior. 

Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX. They confirmed that my account had a ZERO balance and was fully resolved. Despite their acknowledgment, the collection account continues to be inaccurately reported by Jefferson Capital XXXX XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my XXXX XXXX, making it difficult for me to secure loans, housing, and other financial opportunities. 

The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The actions of Jefferson Capital and their blatant disregard for my consumer rights, needs to be addressed. The continued lack of response by Jefferson Capital to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. 
I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. 

Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

A week ago or so I received an email from a debt collection office saying that they were contacted by Speedy Cash for an unpaid loan. I do have an unpaid load through Speedy cash so I thought it was legit. The attorney, XXXX XXXX, told me I just make payment arrangements or I'll be taken to court. I wanted to to settle this I told him that I would make the {$100.00} down payment but I didn't when he wanted me to send it through XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX
Product: Checking or savings account

About a month ago, I had to do an emergence move. Because I had no liquid currency, I did a hardship withdrawal from my employer, XXXX XXXX through their future builder program. I took out a total of about {$3400.00} to be able to pay for moving costs, apartment deposits, and some type of a down payment on a car. 

A week later, they sent the payment in 2 checks. One check was about {$1800.00} and the other was about {$1600.00}. i mobile deposited both checks to JPMorgan Chase Bank, my primary bank. Back in XXXX I had deposited a similar check from the same employer and program, so I expected no problems. 

All of a sudden, ALL access to my Chase bank account got restricted for suspicious activity. All monies in my checking and asset account that I started to build got frozen. After numerous calls to Chase customer service, ( in which they have records of ), I was told the bank was going to release my funds on the XXXX of XXXX. This meant that I had to go borrow money from other places and exhaust my other bank accounts to cover payments for moving as well as living costs. 

I waited till the XXXX of XXXX and heard nothing, next thing I noticed was them pulling my card which was linked to XXXX XXXX. This meant they had closed my account and I had just lost all the money I worked hard for. 

I went physically to their branch, and they could not help me. As a matter of fact, the lady that was helping me at their XXXX XXXX, was frustrated on my behalf because Chase customer service could not assist me even after providing all necessary documentation for verification of the check. I provided chase with different numbers to verify the issuer of the check, I provided them everything they asked for, even tax documents. 

Chase had paid the money to my account and shut it down for suspicious activity. They have put me through emotional, financial, mental and physical stress as I have debts that I have to settle in other ways. 

Till today, I have heard no communication from the bank even after they said they were going to escalate the situation. This is almost forcing me to enforce legal action.
Product: Mortgage

I was under the COVID relief hardship program and was approved for a loan modification. Flagstar Bank sent me XXXX packages, in each package, there were XXXX copies of a Modification Agreement. 2 for us to send back, 1 for our records. The 2 copies were to be notarized and sent back which I did, however, Flagstar is now claiming they never received the documents and that I now need to reapply for a new loan modification. I believe they are doing this being they no longer want to honor the new rate of 2.875 %, my original rate was 3.875 %. 

Flagstar Bank claims to have sent ONLY 2 packages- on XXXX, XXXX, 2022 ( tracking # : XXXX ) and XX/XX/2022 ( tracking # : XXXX ). However, if you refer to the image ( XXXX XXXX ), you can clearly see they are disorganized and tried sending a total of XXXX packages. Images ( XXXX XXXX & XXXX ) clearly show they created a package to ship to me on XX/XX/2022, however it was never dropped off. They also sent a package on XX/XX/2022 ( tracking # : XXXX ) which was delivered back to them on XX/XX/2022 and signed by employee ( XXXX XXXX at XXXX hrs ), images ( XXXX XXXX & XXXX ). 

Flagstar Bank has no records of the XX/XX/2022 package being sent back. In fact, they claim that tracking number is not even in their system. I have provided tracking numbers of both packages that were delivered to me on XX/XX/2022 and XX/XX/2022, both being shipped back and delivered on XX/XX/2022 ( tracking # XXXX : XXXX & XXXX ). Both packages were received and signed for by an employee named XXXX XXXX on Monday, XX/XX/2022 at XXXX hours. 

Flagstar also claims that my package was incomplete hence why they cant apply my loan modification. However, I was never notified of this until I called in. In addition, if claims of one of my packages being incomplete are true, why did they not use the second package I sent it on the same day, which was confirmed to be delivered AND signed for. I sent the documents in a timely manner and have made all my payments during the trial period. 

Flagstar is making me apply for another loan modification even though they received my packages which were signed for ( XXXX XXXX ). I believe they are using the same tactics from years prior which resulted in action from the CFPB in order to correct it. 

I believe its unfair that Im being penalized if they have received my loan modifications. Thank you for taking time to read this.
Product: Checking or savings account

Credit Karma Inc is the company I am complaining about. 

When I did my taxes on XXXX credit karma suggested I put my refund in a new savings account and they would match it at a certain date in the future. The only stipulation I saw was that I had to keep the account open until XXXX in order to get the matching bonus. I have spoken to them many times and they say that Im not eligible for this bonus. Every time I call I get somebody overseas that doesnt seem to understand what was advertised in the United States on XXXX website. They keep talking about a bonus {$50.00} or {$100.00} however that was not what I was offered when I open this new account with my tax refund. I was offered a dollar for dollar matching which in my case was {$110.00} and now credit karma says Im not eligible and I disagree so Im filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Product: Debt collection

A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX