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

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian many times to get problem solved. I am asking them to verify that the debt actually belongs to me. They have not provided any proof of doing this. The account was removed from report and then placed back on with notification. They have violated two laws. The account was disputed and removed before and now appears again One by not verifying the debt and another by not notifying me that the account was added back to my report.

This item should be removed from my report immediately per the fair reporting act. or verify debt XXXX XXXX XXXX Account number XXXX open XX/XX/2015
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hotel that I stayed at made an unauthorized transaction on my XXXX  XXXX XXXX XXXX XXXX. The hotel was supposed to charge my stay to my XXXX which was given to the receptionist upon check-in. I asked the hotel to correct the error and they claimed that they did. They did not. I had to dispute the transaction on my XXXX  card due to the unauthorized transaction made by the hotel ; the unauthorized transaction maxed out my credit card limit. I made the dispute on XX/XX/XXXX. After disputing the transaction, XXXX gave me a case number ( XXXX ) and said " We are issuing a provisinal credit to your account in the amount of {$740.00} that will post to your account within 24-72 hours. This credit is considered temporary while we investigate your dispute, ... '' However, XXXX did not supply that credit until XX/XX/2022. I had to call and argue with the account specialist because the delay of XXXX supplying the provisional credit has decreased my credit score by XXXX points. It also seems as though the hotel charged my XXXX  card twice because it made my account- {$2600.00}. I was told I'd received a new card within 5-10 business days. It is XX/XX/XXXX and I still have not received it. I was told that it shipped out on XX/XX/2022. I inquired to XXXX how is my account- {$2600.00} when I don't have the card to spend anything. I was told that they applied the credit to the deactivated card and not the new card. It still did not explain the - {$2600.00}. Upon multiple phone calls with XXXX to resolve this, I received one provisional credit of {$740.00} on XX/XX/2022 but my account still says - {$550.00}. Prior to the hotel making an unauthorized transaction, I was still within my credit limit. I wasn't near maxing out my card. It seems the hotel made 2 unauthorized transactions that maxed out my credit card and decreased my score by XXXX points. The credit company delayed in providing that provisional credit and kept telling me " we have to wait until the investigation is done to give you a credit. '' I told them " your email said you'd provide a provisional credit until the investigation is done '' I cited the email they sent me that said that. I called XXXX on XX/XX/2022 to ask why my account still said - {$550.00} after the provisional credit was provided 11 days after I initiated the dispute. They could not give me an answer and refused to give me another provisional credit to make up for the hotel charging my card a second time. This has affected me financially, emotionally and mentally. I'm trying to get student loans for school with a fair APR rate. This whole situation has affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car XXXX XXXX years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork
Product: Credit card or prepaid card

I am writing on behalf of my wife 's Amazon Prime Store Credit Card by Synchrony Bank. Twice this year, I had made an early payment which means I paid off the entire balance before I receive the statement at the end of the month. I want to help my wife build her credit, by paying on time and paying off the entire balance each month. 
We have XXXX young children including a newborn just XXXX XXXX XXXX, every time when my wife wants to purchase something on Amazon Prime, she would go and see how much available credit she has on her Amazon Prime Store Credit Card, and we would budget from there, just recently we had paid off a balance of {$380.00}, so we can purchase an item, knowing her credit limit is only {$400.00}. 
This is the second time this year, Sychrony decided to lock/hold down the account, the customer service rep, say the funds are held for six business day. The funds were withdrawn from our checking account, but Synchrony wont credit the account and release the funds of {$400.00} Total Credit Limit for us to use on Amazon Prime. 
My wife is fairly new to credit, we had not missed any payments on the account, but there were a few times, when we didn't pay off the entire balance, so I had a remaining balance, but most of the time payments were made on time, because my wife likes to shop on Amazon Prime. The first time I called and complained to Synchrony Bank, the representative said it was a " red flag '', that we pay off the entire balance at the end of each month, but still wouldn't release the funds, so we can go and shop again on Amazon prime. 
Most banks, once payment is made, funds can be used again after twenty four to thirty six hours, but Synchrony bank, likes to hold the funds for six days after payment is made, which means we can not use the account, which is really inconvenient for us. 
Also I would like to mention Synchrony Bank originally gave my wife {$1100.00} Total credit limit and all of a sudden decided to lower the limit to {$400.00} without any explanation despite my wife 's credit history
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Money transfer, virtual currency, or money service

I transferred {$2500.00} on the morning of XXXX from XXXX on my accounts with us bank to another account with bank of america via XXXX The transaction was completed on the XXXX XXXX side however boa flagged the transaction as suspicious activity. The money is now being held by boa while they investigate. Both accounts are mine and i have made multiple similar transactions in the past from the same account. The boa account is what i pay my bills from as the account info is stored on the multiple credit cards, vendors. I called boa and was told the funds would be held until the investigation is complete from XXXX to XXXX business days. Made several XXXX transfers for years and the reason i use it is because its instant and reliable. There is nothing suspicious about this transaction and is business as usual.
Product: Consumer Loan

CFPB Case XXXX ( XXXX XXXX XXXX ) CareCredit Acct Ending in XXXXWe continue to dispute the billing practices and strange late fees and other " sales '' that this company has continued to leave on our credit reports since 2006!! In investigating Synchrony Bank today I learned that they have over XXXX Complaints that have never been resolved! In my opinion, this bank will probably never reveal how much income they receive from these practices of strange " sales '' fees and late fees that actually were a product possibly designed to create income from those actions. BEWARE! I will continue to discuss this with senators and congressmen until those old, irregular data is removed from our good credit!
Product: Debt collection

In XXXX I begin receiving notices that an account of mine had been sent to a debt collection company. I learned it spawned from a XXXX  account I had reported to have had fraudulent activity back in XXXX. After reporting the fraud in XXXX, I thought that particular account was closed, being that I had a new XXXX account issued to me back then and have used it with no problem for years. I do not think XXXX would have allowed me to open and use a new account if I somehow owed them on a previous account. But the debt collection company Portfolio Recovery began and continued to pursue me for the debt they claim they bought from XXXX. I contacted XXXX they had no record of that account anymore but the customer service rep did not inform me if that was due to it being closed because of fraud or if they had sold it as a debt to this company. I filed several affidavits to Portfolio Recovery explaining the debt spawned from an account I reported to have fraudulent activity on and each time the affidavits were ignored. I even listed who was responsible for the fraud, which is an individual who has prior arrested for credit card fraud and identity theft charges. Portfolio Recovery continued to pursue me and I received a court summons. At the court date, I went before a judge and a representative from Portfolio Recovery and explained the situation. By this time 5 years had gone by and my credit score had been destroyed over this situation. In order to make it go away, so my credit score would improve I agreed to be put on a payment plan in return the debt would be wiped off my credit history apon completion of payments. They agreed. I was contacted by Portfolio Recovery the following day and given instructions for how to pay. The next month I went to create an account to begin making payments and in order to do that, needed information I did not have, like my account number Portfolio Recovery was suppose to give me. I attempted to contact Portfolio Recovery and left messages and sent emails never getting a response. I contacted the clerk of court in the county our court case had been in and explained the situation. She said she couldn't be of assistance but explained to me this was a tactic this company uses to in order to be able to garnish your wages later down the road instead of wait out the years of payments. I continued to contact Portfolio Recovery and received a message back that now in order to make payments I had to do it through an attorneys office. I contacted the attorneys office that represented Portfolio Recovery, received an automatic message on a voicemail about needing my parties extention number or my account number to make payments. I don't have any account number, thats the whole reason I couldn't login to start in the first place. A year goes by and I have had no communication, no notice of any further court dates, I've heard nothing from them.
Product: Consumer Loan

In 2008 We signed with XXXX XXXX in Michigan to have the installation of the windows in our house. Afterward, we had a lot of problems and kept calling their contractor back. In the meantime we received bills from GE Retail Bank, who said they were partners with XXXX ( we never signed with them, the contract we have is solely with XXXX ). Finally, XXXX refused to come out and fix any more problems we stopped payment. GE sold the debt and now we were sued for the debt that we never signed on. We were never aware that we were signing with GE in the first place. They claim we signed with them when we signed with XXXX. Now we have to deal with XXXX, a debt buyer in court over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, XXXX XXXX cred, XXXX, XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX Account is XXXX. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX XXXXXXXX Fin XXXX XXXX/ XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I purchased XXXX XXXX XXXX, XXXX, OH XXXX, on XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX  XXXX, who transferred the mortgage to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  then transferred my mortgage back to XXXX. Each time the mortgage was transferred, I provided proof of paid taxes and insurance. Since purchase, there has been NO ESCROW on my mortgage. In XXXX, XXXX transferred my mortgage to FAY Servicing, and FAY Servicing began billing me for escrow. I have mailed FAY Servicing my insurance declaration page, had my XXXX XXXX agent send my ( paid ) insurance information, I've FAXED my paid insurance documentation, emailed it, and verified via my online account that FAY Servicing has received my ( paid ) insurance documentation. Now FAY Servicing is billing me for escrow and late fees for not paying the insurance escrow which I don't owe. My mortgage has never had escrow. FAY Servicing has verified to me ( by phone, multiple times ) that I do NOT owe escrow, and yet they send me escrow bills ( + interest ). I object to XXXX 's transfer of my mortgage so many times, and to FAY Servicing trying to add escrow & late fees to my mortgage when none is owed. Despite numerous calls and document submissions, this issue has continued unaddressed.
Product: Debt collection

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX for {$2300.00}.
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 {$0.00}. 
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 XXXX  XXXX, 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 ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the collection company and they said If I paid the amount in full they were going to send me a deletion letter. After making the full payment, they sent me a paid in full letter, but not a deletion letter. I called a few times and spoke with XXXX, and he couldn't get any of his managers to send me the deletion letter.