23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}. 

I've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information. 

PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me. 

i called back and a male guy picked up, and when i ask for the same information, i was told " We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a letter disputing the XXXX XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified. I disagreed with their report and sent another letter on XX/XX/XXXX asking for another investigation with proof of who they verified the account with as well as to delete the account. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I received a letter on XX/XX/XXXX with a credit report. This still showed the account as verified with a last payment of XX/XX/XXXX and the first delinquency as XX/XX/XXXX. I then sent a letter showing that his account has continued to show as charge off since XXXX. This a manipulation of the statute of limitations. I received an updated credit report on XX/XX/XXXX and this account still remained as verified. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this possible? I have also sent in a letter showing I have been in default with the company since XX/XX/XXXX but again this has not been updated with Equifax to show the correct date of delinquency. Equifax is also reporting the last payment as XX/XX/XXXX. There was no payment made on this date.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX has 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 : 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$480.00}
Product: Debt collection

I filed Chapter XXXX Bankruptcy in XXXX of XXXX and it was discharged in XXXX XXXX. My husband XXXX and we incurred over {$200000.00} in XXXX debt after the BK discharge and then in XXXX XXXX I was laid off of my job. I obtained a new job very recently and when Seterus took my mortgage over ( XXXX payments due ) I told them after they called me relentlessly that I was a discharge BK and I had NOT reaffirmed the debt. So I explained that they can not call me like this. However I did tell them that I wanted to work something out. But they said I needed a months worth of paystubs. I told them I would n't have that until XXXX at which time I would send in the workout package and begin the process. However they seem to ignore the laws regarding bankruptcy and continue to call me several times a day trying to collect payments. I understand they are a new servicer but that is why I informed them on DAY XXXX that I was a discharge BK so that they knew they were not allowed to call me like this. I have had enough and am seeking legal counsel at this point because apparently Seterus feels they are above the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Possible addresses that are affiliated with me listed above. 
Possible names that are on my credit report that has no affiliations with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the accounts that are not to be listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}, {$1700.00} XXXX XX/XX/XXXX
Product: Student loan

XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc. 

The loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization. 

Following a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts. 

XXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization. 

This is inaccurate, it was obtained without my knowledge, authorization, permission or signature. 

According to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature. 

XXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner. 

Since the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others. 

I want to be removed from this account, and remove it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} DPT ED/XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 a States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

To whom it may concern, I had reported a fraudulent claim to Capital One in XXXX of XXXX. The first agent that I spoke with, listed it as a dispute. I dealt with them for over XXXX months in order to resolve this fraudulent claim. They had charged me interest and finance charges during the time that this matter was continuing. I stopped using the credit card while this matter was in question. On XX/XX/XXXX of XXXX, the last agent I spoke with told me that I still owed XXXX XXXX I asked her what it was for and she could not tell me what the charge was for. I paid it and they received it on XX/XX/2022. As far as I am concerned, I have always made all my payments on time. They finally, fixed the fraudulent claim, but they still wanted to charge me another XXXX XXXX I mentioned to them it had already been paid. I cancelled both of my cards with them and closed all of my accounts. They refused to remove the XXXX $ that was extra. I feel that I was fraudulently being billed again, for something I had no knowledge of. This account should have been a XXXX amount XXXX  months ago. I need them to stop fraudulently billing me and adding finance charges. I no longer am doing business with them. I need to have them remove all of my information from their system. This matter dropped my credit score by XXXX. They sent me an e-mail, stating they would correct it and it has not been taken care of. They need to send all credit agencies updated information, that it was not my fault that this became a nightmare. The first agent made an incompetent mistake by not submitting it as a fraudulent claim instead of a dispute. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of c
onvictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Credit reporting or other personal consumer reports

Hi! How are you? I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
2. The legal basis for collecting this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. A full account history, including all related charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES. 
XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  XXXX Bankruptcy XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX/XXXX  Date of Inquiry XX/XX/XXXX.
Product: Debt collection

I.Q data is attempting to Collect a debt that I do NOT validate or verify being my debt. In the attempt to collect the debt I.Q. Data has processed a duplicate collection on my credit file with XXXX  credit bureau. According to the FCRA all accurate information must be reported to the credit bureau. In this case the accounts are reporting as a duplicate and inaccurately. Please remove these accounts immediately as it is against the law to be reporting in the manner you have reported these accounts. The account are reporting on XX/XX/XXXX in the amount of {$4500.00} and XX/XX/XXXX in the amount of {$4400.00}. Please remove these inaccurate accounts immediately.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX I am very concerned about the validity and accuracy of your recent investigations. I disputed inaccurate information with the creditors as well as all 3 credit bureaus. I asked for an investigation and XXXX removed the accounts because they were not able to verify the accounts. Equifax and XXXX on the other hand did not remove the accounts and they also wont tell me their method of verification. Both accounts are inaccurate and the creditors have also agreed. If XXXX wasnt able to verify it, how did XXXX and Equifax? 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation, voice recording etc. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I have attached a report with the accounts in question circled. 

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Violations of the Fair Credit Reporting Act Defamation
Product: Checking or savings account

Repeatedly, TD Bank has frozen my card for suspicious activity overseas. I dont have a big issue with this. 

The issue I have is that they routinely will refuse to lift the block after I go through all identifying information they request, to include voiceprint analysis because I dont have a US number registered to me. 

As a traveler, I use XXXX ( as does TD ) and other such services. 

Currently, once again, I am blocked from funds in my account and they refuse to budge because I dont have a US phone number. Which of course is impossible to do with no funds. 

There standards and enforcement are sporadic and with all the other information verification, to include a voiceprint, this matter of a US number is beyond ridiculous. 

BUT, the fact they know its me and refuse to release the block, fully knowing that I am trapped in a foreign country with no money, little food etc., is utterly reprehensible and goes unpuniished. 

Please note that TD has had to make several settlements for fraud. One of which was with CFPB and have constently been caught rigging penny arcades, structuring transactions, etc. 

Why are these people allowed to operate in the US?
Product: Credit card or prepaid card

I am writing to file a formal complaint against Citibank Online for misleading and false practices in their credit limit increase evaluation process. On the week of XX/XX/2023, I applied for a credit limit increase through Citibank Online, and I was disheartened to receive a denial letter citing reasons that directly contradict the representations made during the application process. 
As evidence, I have attached a screenshot of the online application where Citibank stated, " We will not obtain a credit bureau report to evaluate your request and you will receive a decision instantly. '' Furthermore, I have also enclosed the denial letter, which clearly contradicts this statement by mentioning two crucial points : 1. The denial letter asserts that my credit report contains a late or missed payment with another creditor as the reason for rejecting my credit limit increase request. 
2. The same letter admits that the decision was based, at least in part, on information provided by XXXX, a consumer reporting agency. 
These contradictory statements demonstrate that the online application process was deceptive, misleading, and falsely advertised. By assuring applicants that no credit bureau report would be obtained and decisions would be instant, Citibank created a false impression of the credit evaluation process, leading applicants to believe that their credit history would not be a determining factor. 
The actions of Citibank Online are in direct violation of the following laws : 1. 15 U.S.C. 1691 ( d ) of the Equal Credit Opportunity Act ( ECOA ) : This statute explicitly prohibits creditors from making false statements or providing misleading information to applicants concerning the reasons for denying credit. Citibank 's contradictory statements during the credit limit increase application and denial process clearly breach this law. 
2. 15 U.S.C. 1661 - Prohibited Practices : Section 1661 outlines prohibited advertising practices, including misrepresenting credit terms, using false or misleading statements, and failing to disclose essential information. Citibank 's deceptive advertising, promising an instant decision without obtaining a credit report while subsequently relying on credit report information for the denial, is a clear violation of this law.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report appear to be unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX