23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXXXXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even two dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024, XXXX PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It XXXX Concern, Firstly, upon receiving your correspondence dated [ Date of Correspondence ], I carefully reviewed the information provided. However, it became evident that the documentation failed to sufficiently validate the existence and legitimacy of the alleged debt. Per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am entitled to request validation of the debt, including proof of its origin and the right of the creditor to collect such debt. The documents provided by Portfolio Recovery did not fulfill these requirements.

Furthermore, it has come to my attention that I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). According to this regulation, consumers are entitled to dispute the validity of a debt within a reasonable timeframe after being notified of it. However, I was unaware of the existence of this debt until receiving your correspondence. Consequently, I was deprived of the opportunity to exercise my rights to dispute the debt within the specified timeframe. 
In addition to the lack of validation and opportunity to dispute the debt, I must address the issue of notification. Your assertion that proper notification was provided raises concerns. I request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt. Without this documentation, I remain skeptical of the claim that I was properly notified of this debt. 
It is imperative to remind Portfolio Recovery of the regulatory obligations and legal consequences associated with debt collection practices. As per recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), Portfolio Recovery has been ordered to pay substantial penalties for illegal debt collection practices and consumer reporting violations. This underscores the importance of adherence to the law and fair treatment of consumers. 
In conclusion, I demand that Portfolio Recovery cease all collection activities related to the disputed debt until proper validation is provided and I am afforded the opportunity to dispute it in accordance with applicable regulations. Failure to comply with these requests will result in further action, including but not limited to, filing complaints with the appropriate regulatory bodies and seeking legal counsel. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am Inquiring about the Validy of  XXXX XXXX XXXX XXXX XXXX that is Charged off on my Credit reports that is Constantly Misreporting Inaccuracies this account has been on my report 7 years and charged off 4 years every month, Misreporting Active Payment History, Late inconsistent Balance Reporting, Reaging Debt due to stature of Imitation, unlawful Changes in Deliquency Dates which is violation of my Rights under FCRA XXXX am Demanding a Deletion of XXXX XXXX off My Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian-XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XXXX XXXX, XXXX XXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Account type Time Share Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Original creditor - - Account type Secured Card Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Response to the letter about my previous complaint. 
SANTANDER said they approve my credit application ( id # XXXX ) on XX/XX/2021. 
SANTANDER is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. 
I also have my 4th amendment right Which states that I have the right to be secured and that includes any security interests I have is my right to be secured!

I use my credit card ( social security card ) Pursuant to Title 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Once the contract is indorse by my signature the contract becomes a instrument with value and consideration & fulfills/settles all obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is incorrect on my inquiry report
Product: Credit reporting or other personal consumer reports

Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX XXXX I expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.
Product: Money transfer, virtual currency, or money service

I was trying to close my Regions Savings account and initiated a transfer to my XXXX savings account on XXXX XXXX. There was a {$3.00} to transfer which was fine. I had {$1600.00} in my savings to transfer and the {$3.00} fee should have brought the total transfer amount to {$1600.00}. However Regions then denied the transfer request after sending an email saying the funds were transfered and would show up in my XXXX account within a day. Regions then proceeded to send me an email saying, " Unfortunately, we could not complete your transfer request. The account provider has indicated problems with processing your request. '' They then deducted {$39.00} as a " return '' fee when the money never left the account. After this they tried to do the already not working transfer again, deny it, and deduct another {$39.00}. They were about to do it again when I called, froze the account and demanded it be shut down. They said they would not be refunded me the {$78.00} that they deducted. I am at a loss and not sure what to do from here. I was fine with the understandable {$3.00} transfer fee but am confused why they charged {$39.00} as a return fee when the money never left the account.
Product: Money transfer, virtual currency, or money service

The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!
Product: Debt collection

This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
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

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Product: Debt collection

Portfolio Recovery Associates hasn't any correspondence in reference to this debt opened XX/XX/2015 {$750.00} and hasn't responded to my letters sent. This company isnt bonded in Georgia to collect debt.
Product: Checking or savings account

Closed my checking account with {$290.00}, as well as a savings account, in account on XXXX XXXX, 2017 over eChat. Never received my funds from either account. 

Contacted BMO Harris over the course of the past 3 months almost every 2 weeks via phone and echat. Finally got a resolution on my savings and was emailed a stop payment form which I faxed back and received a re-issued check in the mail. 

Have attempted numerous times to get the same resolution for my checking account.
Product: Credit reporting or other personal consumer reports

Transunion, are reporting an account that is closed and they are reporting with several errors which is illegal, this account was resolved and an agreement was reached with XXXX XXXX in which I would pay XXXX and we would close the case which I did here I attach proof of my canceled check and the letter I received from Credit Acceptance, Transunion in my credit file is showing that no payment was received in addition it is not reporting this account correctly, and I demand it be deleted from my credit
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX. Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with TRANSUNION through Certified Mail.
Product: Mortgage

Our mortgage loan was sold to Essex Mortgage and we have been unable to reach anyone from the company. 

I have made several attempts requesting a call back through their automated system ( XXXX ) as well as sending an email to ; XXXX ) and no response. 

Our mortgage for the month of XX/XX/2023 is approaching and we have no communication/clarification on the amount due and/or start dates to pay and were very concerned. 

We have spoken to our lender ( XXXX XXXX ) numerous times who has also been unsuccessful with clarifying a XXXX payment destination and XXXX XXXX  is now verbally requesting the payment for XXXX be sent to them ( Hence- Premier Mortgage emailed and mailed us letters stating effective XX/XX/2023 we are not to send them any funds ). 

We are first time home buyers and currently stuck between a rock trying to make sure mortgage is paid on time and to the correct Mortgage Company. Please help us!
Product: Credit card or prepaid card

A card was opened on XX/XX/23 with Capital One that is a fraudulent account reporting on my credit report. The issuer is claiming that I owe the debt, but this account is not valid. I have sent a validation of debt letter to the issuer, to prove they are the original creditor, but I have not received anything in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported on XX/XX/21 that they deleted my XXXX  XXXX  account due they could not validate account and deleted my charge off. I have attempted to reach out to the original creditor and credit reporting agencies since last XXXX and XXXX and Equifax still have not deleted account
Product: Debt collection

XXXX XXXX They say something about Costumer Adj Co. XXXX XXXX XXXX XXXX I dont even no what that is why is this on my credit I never had any activity on XX/XX/ in my history I haven't been to any hospital this year.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that mr cooper had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from mr cooper and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to mr cooper but couldnt get issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX