23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information has been compromised and is on the black web. I keep getting alerts. The following is on my consumer report incorrectly. 

TransUnion Account Names and Numbers 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Complaint : Subject : Violation of Consumer Rights by Portfolio Recovery Associates LLC Details : I am writing to file a formal complaint against Portfolio Recovery Associates LLC. This collection agency has violated my consumer rights as outlined by several federal regulations. The specific violations are as follows : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information before reporting a collection account to consumer reporting agencies. Portfolio Recovery Associates LLC has not provided such validation information yet has placed a collection on my consumer report.

2. Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given a chance to dispute the account. Portfolio Recovery Associates LLC has not afforded me this opportunity, which is a clear violation of my rights.

3. Use of False, Misleading, and Deceptive Means : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. This conduct is prohibited under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unauthorized Furnishing of Information : Portfolio Recovery Associates LLC has no authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additionally, I am notifying Portfolio Recovery Associates LLC that : - I am disputing owing any and all debts to them.

- I am revoking all rights of Portfolio Recovery Associates LLC to communicate with me through email, text, or calls. All further communication must be in writing.

- I am requesting validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

- I am requesting the purchase agreement between Portfolio Recovery Associates LLC and the original creditor.

- I am requesting proof that Portfolio Recovery Associates LLC is licensed and bonded to collect debts in my state.

These actions have caused undue stress and have negatively impacted my credit report and overall financial standing. I request that the CFPB investigates these violations and takes appropriate action to ensure that my consumer rights are protected.

Desired Resolution : - Immediate removal of the inaccurate collection account from my consumer report.

- A thorough investigation into the practices of Portfolio Recovery Associates LLC.

- Assurance that Portfolio Recovery Associates LLC will comply with all relevant consumer protection laws in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

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

I checked my personal information on my XXXX XXXX account and a lot of information is not up-to-date/false and I would like it to be removed off of my credit report
Product: Credit card

For the last 3 months i have tried to fix this issue with the major 3 credit bureaus. Unfortunately all 3 of them are not professional taking action to this matter. I was told that the Fraudulent/inaccurate account was VERIFIED and that it belongs to me. After requesting documents from them as a proof of my signature or anything that it shows it belongs to me. They weren't to clarify or verify anything with me, instead they sent me letters mentioning that they DONT BELIVE that i have sent the dispute letters etc. 

I have done the way they required from me but after all without results or being taken serious with this matter. Please help me to remove this Fraudulent account from my credit report. Thank you for your time and effort to this matter.
Product: Credit card or prepaid card

Dispute amount : {$1600.00} and {$2500.00} Date of transaction : XX/XX/2023 Case # : XXXX Merchants name : XXXX XXXX XXXX 
Bank name : Capital One I rented a vehicle from " XXXX XXXX XXXXXXXX  '' I was involved in a minor accident that caused damage to the wheel 's & tires of the car rental. I applied car rental insurance to protect me in the event that something like this would happen. I am only liable for a {$1000.00} deductible but the merchant is charging me about {$5000.00}. After trying to resolved the issue with the merchant, I decided to dispute the charges with my bank because the merchant is not honoring their part of the rental agreement. Unfortunately, my bank closed the dispute in favor of the merchant & is charging me an amount that I am not liable to pay. This is bad business on behalf of my bank institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a complaint it must be an error but I dont have no knowledge or information about an account. I have had an identity theft in the past and This is not my account I need this removed.
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with Bank of America. In inspecting this change I noticed several negative changes to my credit score and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with Bank of America, XXXX, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I submitted a credit dispute with Transunion and after 30 days they have failed to honor my request. Instead Transunion sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.
Product: Debt collection

{$2800.00} was debited from my account and sent to XXXX XXXX XXXX for a someone elses debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX  XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.
Product: Mortgage

Someone please assist me! I am in dire need of some assistance with my mortgage loan because the mortgage company wants to foreclose my home. I got behind two and a half years ago after my husband left me for another woman. He was the primary provider for our family and when he left I was not working which is why I fell behind. I've been struggling just to by food ever since and have relied heavily on the assistance of my children but they can not financially afford to bear the burden of my expenses any longer and it is taking a toll on their income now. I am currently in the process of trying to work this out with the mortgage lender so that I do not have to deal with a foreclosure on my credit after going through so much already these past two years. I have submitted all of the paperwork asked of me and yet the company still has an auction date scheduled. Rushmore has sent me numerous documents advising me to either apply to modify my loan or do a short sale and since I am unemployed, I do not qualify for loan modification so short selling the home is my only option. I just need 60 days to get this done, I have a willing and able buyer that has made an offer. Who knows what the lender may get if they decide to sale my house at an auction, they may not even get he amount they are looking for so it's worth taking the time to work with me because this is a solid buyer. Please help me get in touch with someone who can take a look at my file. I am begging for Rushmore to work with me, I can not afford for the home to foreclose and be reported on my credit, it will destroy the little bit of creditworthiness I have left.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Exeter Finance LLC XXXX. : XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with Exeter Finance LLC furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with Exeter Finance LLC for review for collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, PA, XXXX Best Regards, XXXX XXXX
Product: Credit reporting

I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX, XXXX, XXXX  - IncorrectPersonal XXXX XXXX - IncorrectPersonal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is a form of complaint about Experian, not removing old, outdated, or missing information.They are not updating or displaying correct information on their website and on my credit report. For more than a year and three months they haven't updated or responded to any of the XXXX discrepancy letters the same debt amount that I once owed has not been changed that's what triggered me to look through my credit report through Experian and realized that there haven't been a change is some time. Experian has heard me personally in my business because I'm not able to obtain business moans or lines of credit that will enable me to live and or do business. I really need your help because I don't know how to fight them. I keep getting denied for XXXX loans because of the old outdated incorrect Information. Thanks for your help.i thought i was alone in this fight.
Product: Money transfer, virtual currency, or money service

I never made any of these purchases but I have tried to talk to XXXX and my financial institution and neither place will help me get my money back. 
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX )
Product: Credit card

A credit card was opened in my name with my social security number, date of birth and address with Bank of America on XX/XX/year>. 

I had no knowledge of this account until Monday, XX/XX/year> when I received a letter from Bank of America due to suspicious activity on my account ( an account I do not have ). I would just throw away such letters thinking it was junk mail but decided to open this one as I thought it was odd. I did not call the number on the letter thinking it was a scam and contacted Bank of America from the number on the website. I was positive I would be told the letter was a fake and was surprised to learn it was a legitimate letter from the bank. 

Someone opened an account with all my information. After getting approval for the credit card that person ( s ) then changed the mailing address to an address in New Jersey and then proceeded to make purchases over {$900.00}. All other purchases have been declined due to suspicious activity. I do not have the dollar amounts for the declined purchases. 

It is not clear how an account was opened in my name with my address and a credit card was received. Although I do NOT always receive my mail, I go sometimes weeks without any getting delivered. I do have Informed Delivery with the USPS and have noticed the last few months that my mail items have not all been getting scanned by the postal service. Which is also odd. It will show I show I should get four pieces of mail and three of the items are not scanned. Then I will NOT recieve anything for a few days or weeks later. Then I will receive a piece or two that should have been previously delivered, sometimes nothing at all. 

I then proceeded to check my credit reports and all three show the Bank of America credit card as a new account in my name. I am in the process of disputing the account.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

Hello!! I have been trying to get the bureaus to correct erroneous information reported in my report, however, so far I have not received responses, I attach the letters that I myself have made and sent to, that you can see the errors that I highlight to the bureaus and which they have ignored for a time ago
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.
Product: Debt collection

Good afternoon, I've recently been aware of a remaining bill from XXXX  after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called finity letting them know my circumstances and that I'Il have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called finity again where they verified what the workers at the XXXX  had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX  of about {$120.00} I've tried to reach XXXX  countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called XXXX, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.