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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

my car was XXXX at the end of XXXX when I was out of town on a vacation fell behind after XXXX paid {$3000.00} what I know at the time was way more then I owed my payment are {$540.00} but before my car was XXXX and before I fell behind I was never late. citizen auto loan put my car on a chargeoff status making that I have to call in my payments now there are missing payments on there end and now they saying Im XXXX behind and im not I spoken to some at the begining of XXXX I was around {$1700.00} behind made a payment of {$540.00} bringing it down and was told then I would owe {$1100.00} I spoken to a lady and told her I will be making another call in payment of {$540.00} on XX/XX/XXXX on XX/XX/XXXX they tried to take out that payment causing it to bounce I called on the XXXX to try to make that payment and rudely told I was XXXX behind owing {$2700.00} and that I was missed inform as I went back in my payment history with them im not im only XXXX they received payments on XX/XX/XXXX of {$3000.00} to get the car back missed XXXX XXXX was XXXX payment of {$220.00}, {$130.00}, {$220.00} {$100.00} XX/XX/XXXX made a payment of {$220.00} XX/XX/XXXX made a full pay and on the XXXX they refused the of {$540.00} saying I had to pay {$2700.00} to keep my car. ever since I had my car repo I don't get a email of posted payments I only owe {$1100.00} with a 10 day grace period to clear up. told them ill pay every XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Dear CFPB, I am writing to bring to your attention a concerning issue I have encountered with Portfolio Recovery Associates regarding a debt they claim I owe. I previously sent a letter to Portfolio Recovery requesting validation of the debt, specifically asking for the following information : 1. The chain of assignment for the debt.

2. The date of first delinquency.

3. The date of last payment.

Unfortunately, Portfolio Recovery failed to provide the information I requested. Instead, they responded by stating that they purchased the debt from XXXX XXXX and included the amount XXXX XXXX claims I owe. However, it is important to note that XXXX XXXX is not the entity reporting this debt on my credit report ; Portfolio Recovery is. Therefore, it is Portfolio Recovery 's responsibility to validate the debt they are attempting to collect.

In light of this, I am formally requesting that Portfolio Recovery provide the information I asked for in my initial validation request. If they can not substantiate the validity of this debt by providing the necessary documentation, I expect them to remove this collection account from my credit report.

I have attached a copy of the letter I received from Portfolio Recovery as proof of their inadequate response.

This is my final attempt to rectify this situation. If I do not receive a satisfactory resolution, I will have no choice but to file a complaint with the Federal Trade Commission ( FTC ) regarding their failure to comply with the Fair Debt Collection Practices Act.

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my rights as a consumer are upheld.

Sincerely, XXXX XXXX
Product: Bank account or service

We have a home equity line of credit with US Bank and have just refinanced our home mortgage. In order for us to keep that home equity line of credit, we paid a fee of {$250.00} so we did n't have to close it for the new mortgage and then reopen another line of credit again. The mortgage lenders with whom we financed, are selling our loan and needed to get a copy of the home equity line of credit agreement. It has taken them over XXXX XXXX XXXX XXXX weeks to finally get someone to help us. When my husband called, no one knew what to do or what area to possibly contact. Our mortgage lenders have been now trying for over XXXX XXXX XXXX XXXX weeks -- totally unacceptable. There was some missing information that was required on the form however, no one would communicate that. As far as I am concerned, this is unacceptable customer service given that we have paid {$250.00} to keep the line of credit open. I am requesting a refund of {$250.00} that we paid to keep the line open as we received no customer service and over XXXX weeks of calling everyday and headaches. This is no way to treat customers that have been with the bank for over XXXX years. Frankly, it should not happen to anyone. I am strongly considering dropping US Bank and going to another financial institution that focuses on customer service and does n't have the " we are a big bank attitude and are untouchable. '' I received a call from the XXXX yesterday to comment on US Bank and refused to give them feedback because it was my husband that had gone into the bank XXXX, arlier this week to make a deposit, not me. The caller was insistent that I give feedback to US Bank on my experience and I had to finally hang up on him stating, I did not receive any service so you expect or demand that I give feedback? That would not be a valid source of survey information as well as fraudulent information. If US Bank wants feedback, then they need to receive it in an honest and forthright manner and not " grease the skids so to speak. '' Big banks do n't mean good service. I really wonder what their customer service goals are and their commitment to customer service and the quality of customer service being offered.
Product: Money transfer, virtual currency, or money service

I had made a payment from my bank ( bank of america ) through XXXX  to an individual for XXXX XXXX  inwhich the services was not rendered and was told to leave. This payment I made was sent to someone else and not the person I was in agreement with upon once I sent them the money through XXXX. I have contacted both the individuals through text and have not received a reimbursement or a reply back from. Also may a call to my bank and was told that there's nothing they can do. I have sent you a photo copy of the person2 I sent the payment to for the person1 I went to meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$90.00} XXXX  XXXX Balance : {$31.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me 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

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXX XXXX  XXXX Bankruptcy case number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX problems in my marriage, and paying higher interest rates for insurance, etc. According to to the Rochester District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Checking or savings account

We had money in a CD at Marcus that matured. The funds were moved briefly into our Marcus savings account while we decided what to do with them. We decided to transfer the funds to a different financial entity to pay for a large purchase. My husband initiated the wire transfer and was told it went through, so we wrote the check. But the money didnt go through. They cancelled our transfer and told us we could only transfer it into the account that it came from. What? The funds are ours, from a CD held with their financial institute, and when we need them we cant access them? This is unacceptable. We need access to our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX, I had called XXXX to close out my account which was a Pre Paid Cell Phone. I told the customer service representative I no longer needed this account since I opened up another new account with XXXX XXXX XXXX and it did not make any sense to have two cell phones. She understood and had told me since it was a pre paid account, I was not on any contract and I just needed to pay the final billing which was for the phone. She told me my final billing was for {$200.00} and reassured me that would close my account. I paid that amount with the rep over the phone ( recorded phone call conversation per their end ) with my XXXX visa debit card in full. I attached my bank statement showing proof of payment on that day for your review. A month later I received another bill showing my account was still open. I called XXXX and they said they were going to research my account and never got back to me. A few weeks later, I went to the store in person and spoke with a manager. I explained the situation and showed him my proof of payment and previous statement. He told me he could no longer pull up my account in the system because it was closed. He then made an attempt to contact another Dept which took over an hour because he kept getting the run around. Again, he told me the same story that he will get back with me but never did. Now its reported on my credit report. Last Friday, XX/XX/XXXX, I disputed it with XXXX and it was investigated and removed but Transunion said they conducted their investigation and said it was accurate information therefore left it on my report. This is obviously not accurate information and should be removed immediately on my transunion report. Can you please help me resolve this issue? Thank you
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Consumer Information : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX - Date of Submission : XX/XX/year> Bureau Information : - Bureau Name : EXPERIAN - Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Requested Resolution : I request that EXPERIAN conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. Experian reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have outstanding medical insurance under my husband 's policy through XXXX, I have no copay, and my XXXX pays for any coinsurance that may be outstanding. With that being said, I owe no debts to anyone, I made certain of this by visiting the billing department at XXXX XXXX XXXX XXXX in person prior to my XXXX and making certain that any old debts were paid. I did this because my employer offered no XXXX XXXX XXXX or XXXX leave and would essentially have to let me go once it was time for me to XXXX XXXX in XXXX of 2017. One would understand how I then find it difficult to comprehend why I have an outstanding bill for XXXX XXXX XXXX. Firstly, my name is XXXX XXXX XXXX, my middle name has never been " XXXX '' ... that is a candy bar. Secondly, if this debt was valid and they processed it correctly through XXXX, they should have been paid in full right? Well, to my surprise, I have received a bill from a collection agency for {$300.00} that is apparently owed to XXXX XXXX XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete when I paid them, and she confirmed that they were, I do not have another {$300.00} to give to anyone as I am XXXX. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under HIPAA law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the Healthcare Financial Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt.
Product: Mortgage

Effective XXXX our mortgage was transferred to XXXX XXXX. In the opening letter, XXXX stated that effective XX/XX/XXXX we were to begin making mortgage payments of {$2400.00} to them instead of the previous mortgage company. T In the letter they state that the amount due is {$2400.00} and that will be the amount of subsequent payments. We paid in XXXX, XXXX, and XXXX. As of a few weeks ago they started contacting us staying that we were delinquent. I called and spoke with four representatives and a supervisor, all of which gave a different story. Initially the first representative stated that because I paid XXXX cent over on one of the payments, that payement went into a supspnse account. He further stated that he email the cash department and they will move the funds and everything will be cleared up. When I started paying the mortgage for XXXX XXXX it was still showing delinquent and I called again. This time a supervisor stated that they sent to XXXX payment to another mortgage company and as a result, we were delinquent. I asked advised home that, as instructed in the transfer agreement, we sent the payment to XXXX every month on tine and did not authorize the payments to be used for anything else. He further stated the the account remains delinquent because they shifted the funds from the suspense account. I have made all payments per the transfer agreement and can provide evidence via Bank XXXX XXXX and XXXX is trying to say we are still delinquent.
Product: Bank account or service

On XXXX XXXX, 2015 - RushCard notified me and other members to remove any funds from our accounts on Monday. Being as though I had no money in the account I disregarded the matter. My job would n't have posted my XXXX XXXX until the Following Friday, so in my mind there was no need for me to worry. 

XXXX XXXX, 2015 - RushCard posted my pending deposit to my account in the amount of {$1200.00}, but I was unable to access my funds because the card the money posted to was stolen. I tried to transfer my funds to another account, but system error messages on both the RushCard mobile app and website prevented me from doing so. 

XXXX XXXX, 2015 - I have tried to call RushCard several times about this matter and was told to provide my name, number, address, and someone will contact me. 

XXXX XXXX, 2015 to XXXX XXXX, 2015 - XXXX XXXX reached out to me via XXXX and told me to provide my name, number, and address and someone would reach out to me, I have called the customer service line and was told that same information days to follow, and I still have not received an answer. Every time I call now and request to speak to a representative the call disconnects. The website and the mobile app is still not working. I have not received no answer on when and how my issue will be resolved as of today XXXX XXXX, 2015.