23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CapitalOne Bank closed my secured credit card in XX/XX/2019 with no reason, then they refused to issue me a refund of my refundable deposit of {$340.00} which was used as a security deposit for the closed account. I have written to them three letters in the past 6 month with no response. I have tried calling many time with no result. Please advise what legal action I must took in order to get my deposit refunded.
Product: Credit reporting or other personal consumer reports

I had apply for forgiveness program inn XXXX  I had to get garnished payment taken out from pay check to pay check for a few years until I was out of a deferment then it all seem ok to get out of the debt and forgiveness was granted. They told me it might take a while to show up on my credit report as I look at it it tells me I owe and Im block from moving forward on XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a computer hacker in my system at the time I accessed my bank account with Chase. They send a payment to a person named XXXX XXXX {$1100.00} using XXXX XXXX. 
I have no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. 
I reported the case immediately to Chase bank, originally they gave me a credit, but they just reverse the credit saying the investigation found out it was the same login and IP address as I used. Well this is what I have been reporting. 
I would like Chase to reverse the transfer as it is a bank fraud Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires were placed on my credit report on XX/XX/XXXX thru XX/XX/XXXX i want to alert companies to remove inquireies and also make them aware that this is fraud and to not issue any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from XXXX XXXX XXXX I also have 5 soft inquiries from XXXX XXXX for the same days. 

On XX/XX/2023 i have a hard inquiry from JPMCB Card along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to XXXX, XXXX, Experian if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

Debt collection letters were recieved at previous address when I was living at new address. Once I became aware of the letters, I sent debt validation letters to Portfolio Recovery Assocaites attempting to verify the debt requiring 1. Verification of the amount owed, including a comprehensive breakdown of the principal balance, interest, fees, and any other charges applied to the account. 

2. Copies of any agreements or contracts signed by me, which establish my liability for the debt in question. 

3. Proof of your authorization to collect this debt, including documents demonstrating that Portfolio Recovery Associates , LLC has the legal right to pursue collection activities in the state of Florida. 

4. Verification that the statute of limitations on this debt has not expired. In Florida, the statute of limitations for most types of debts is five years. Therefore, please provide documentation indicating that the alleged debt is still within the legal timeframe for collection. 

5. Information about the original creditor, including their contact information and the nature of the original debt. 

These letters were sent on XX/XX/year> and no response was provided and have yet to rerspond or provide the required information as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$32000.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} Bankruptcy XXXX XXXXXXXX-dismissed Reference # XXXX Date Filed/ReportedXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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
Product: Debt collection

I have been receiving multiple automated calls from numbers in different area codes that would not leave messages and I don't pick up calls from unknown numbers. Then I started to receive automated calls with a robot message, which I thought was a scam as no professional company leaves a robot message that doesn't speak in proper English. A couple weeks ago, I happened to answer a call from a XXXX area code. A man replied he was XXXX XXXX with attorneys of XXXX XXXX and Associates and was contacting me because he had some papers on his desk from Check n ' Go wanting to sue me over a debt from 2014. He said incorrect name of my employer and the call sounded fishy, as I told him I had no knowledge of a debt with Ckeck N ' Go and wanted written corresspondence confirming said debt. He stated his company is a " green company '' and could send email only. Then he asked what my email was. I didn't trust him or the reason for his call so I said I would look into it and got his contact info. If he had my information already, why was he asking for my email? He said he is located in XXXX and I questioned why I'm getting these XXXX area code calls, along with unknown numbers. He said something about it helps people who don't have long distance available as it pings of a local tower??? I asked for his role with the company and he said credit specialist. He was very rude and aggressive and said the outlook of this matter depends on him and I need to call him back as soon as possible. When I said I was leary of the call, he said there probably is video footage that he can get in a threatening way. This made me more suspicious. After multiple robo calls again, I get a voicemail from a XXXX number this morning ( XXXX ) on my cell and at work. The message threatened to have me sued and summoned at work if I didn't respond today and that there was a certified letter from the bank and video footage of me walking into this said business of which they say I owe a debt. In the voicemail, it was as if he was making fun of my questioning the nature of this call, as he stated ... '' I spoke to you on XX/XX/XXXX in reference to some bad check allegations that were scheduled to be levied against you in XXXX XXXX Court by one of our clients and if I remember you correctly, you're a bit skeptical of any and all things great and small ... listen we have to clear out our backlog because of this virus going on and I can't allow these accounts to stack up in our office ... '' He mentioned in the initial call that Check N ' Go is reaching the statute of limitations as they have 7 years to collect a debt. I have googled this mand and attorney 's office and there are multiple complaints against their business practices and are known to be threatening and aggressive with people they call to basically scare them into paying money that they might not even owe. They need to be stoped immediately as this is harrassment!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Email Address : XXXX Credit Reporting Agency Name EXPERIAN : Name of Credit Reporting Agency or Company being disputed : XXXX XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because I am dissatisfied with the outcome of the investigation conducted by regarding a charge-off account reported under EXPERIAN. Despite my initial dispute and your subsequent response stating the account was verified, I still believe that this charge-off entry is inaccurate and does not meet the standards outlined under the Fair Credit Reporting Act ( FCRA ). 
On [ date ], I disputed the charge-off with the credit reporting agency. However, after XX/XX/year> reviewing your response, it is clear that the investigation was insufficient and does not meet the legal requirements for accuracy or verification as outlined in the FCRA. Specifically, I dispute that the charge-off is valid, and I am requesting that this account be removed from my credit report if the creditor can not provide adequate verification. 
I am citing the following sections of the FCRA to support my position : 1. Section 1681b ( 2 ) The FCRA mandates that all information reported to credit reporting agencies must be accurate. Despite the claim that the information has been verified, I have not been provided with sufficient documentation to substantiate the charge-off.

2. Section 1681b ( 5 ) This section requires that the credit reporting agency and users of consumer reports ensure that the information is used for a permissible purpose and is accurate. The charge-off in question may have been reported in error and lacks proper verification from the creditor.

3. Section 611 This section requires that credit reporting agencies conduct a thorough investigation into any dispute within 30 days. Given that my initial dispute was not properly investigated, I am requesting that you reinvestigate the charge-off, paying particular attention to whether the creditor has adequately verified the account.

Under Section 1681i of the FCRA, if a charge-off can not be properly verified, the credit reporting agency is obligated to delete the inaccurate information from my credit report.

I am requesting the following actions from the credit reporting agency : Proof of verification from the creditor, including account statements, payment history, or any other documents supporting the charge-off.

If the creditor is unable to provide adequate verification of the charge-off, I request that the entry be immediately deleted from my credit report.

I am also requesting that the CFPB intervene to ensure that my rights under the FCRA are upheld and that my credit report is accurate and free of any misleading or incorrect information.

Failure to properly address this dispute and verify the charge-off entry violates my rights under the FCRA and could result in further legal action if this matter is not resolved promptly. I request that the CFPB help ensure compliance with the FCRA and prompt resolution of this issue.
Product: Debt collection

Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. 
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Debt collection

N accordance with the Fair Credit Reporting Act Convergent  Outsourcing Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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

I am writing to formally file a complaint against Portfolio Recovery Associates regarding their unlawful practices in re-aging my collection accounts. They have violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting the dates of delinquency and extending the life of my accounts beyond the allowable limits and reporting inaccurate balances. There are three accounts being reported by Portfolio Recovery Associates purchased from the original lenders in 2018. Instead of reporting the appropriate and accurate dates of delinquency associated with the original accounts, they have unlawfully re-aged and fraudulently used the date they purchased the closed account from the lender as the original date of delinquency. This practice has resulted in these accounts remaining on my credit report for over a year longer than 7 years permitted by the FCRAs statute of limitations. 
Despite my efforts to resolve this matter directly with Portfolio Recovery Associates, they have failed to correct their reporting practices. This has negatively impacted my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX incredibly frustrated by the presence of unauthorized inquiries on my credit report, and I need them to be removed and blocked immediately. This whole ordeal has caused me a lot of stress and anxiety, and I just want it to be over. I expect a prompt resolution so I can finally move on from this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, XXXX, and LexisNexis stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.
Product: Debt collection

XXXX XXXX Excessive phone calls this company is incredibly obnoxious. Excessive calls make people angry it does not make them want to at all communicate with these people. I do not want them calling me ever again. They call in the early morning while I am in class, and at dinner time. 

XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18- Consumer File was requested ( Consumer ) USPS Tracking :  XXXX XX/XX/18- Consumer File Received from Company ( Company ) XX/XX/18- Dispute was filed regarding Bankruptcy reporting via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Method of verification was requested and copy of letter from the alleged Creditor denying the reporting of Bankruptcy was sent ( Consumer ) USPS Tracking : XXXX **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- Reinvestigation requested via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Another request for the method of verification sent to Company ( Consumer ) **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- No response has been received ( Company ) XX/XX/18- Complaint filed with CFPB ( Consumer )
Product: Credit reporting or other personal consumer reports

I disputed the account with Acima on XXXX or XXXX occassions. The information came back verified but updated. The information on my credit report is still incorrect. The account is reading ccount charged off. {$14000.00} written off. {$4500.00} past due as of XX/XX/2024. I was never notified the account was ever in collections, or that they were charging it off. When I contacted Acima I was told the past due was only XXXX and that I can make the payment in the month of XXXX. I disputed the information, but Acima keeps reporting this incorrect past due amount.
Product: Credit reporting 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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.