23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I  submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a  copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX ] The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Checking or savings account

On XX/XX/XXXX I opened an XXXX savings account with Marcus by Goldman by transferring {$220000.00} into the new account. This is all of my savings other than $ XXXX for emergency. The account states that once opened, it has no limit on how much and how often I can withdraw funds from this account. 

On XXXX I withdrew {$1200.00} back into my XXXX XXXX account. No problem. 

On XXXX I withdrew {$6200.00} back into my XXXX XXXX account. They said there would be a 3 day delay which I thought was strange, but was eventually transferred. 

On XX/XX/XXXX I received an email from Marcus by Goldman that my account was now frozen for fraud. I immediately called them and they said it was frozen for fraud and they couldnt tell me why. I then requested them to close my account and to have the remaining funds transferred back into my XXXX XXXX account. They approved and said it would take 7-10 business days. 

On XX/XX/XXXX I had not received the transfer so I called them to request a status update. After speaking with a few agents they confirmed my savings account number and amount and that it would be transferred in 1-3 business days. 

On XX/XX/XXXX I still had not received the transfer, so I called back. This is now the 13th business day from the original request. They said my account is still under review and they are not sure when it will be approved to be transferred. They gave me generic answers about processes and what not. I expressed all my money is in this account and I need it to pay my bills. Each time I call it takes about an hour and I get nowhere. Im not confident that I will ever receive my money back. I was then transferred to someone else who again confirmed my XXXX XXXX savings account number and dollar amount and said this would take 1-3 business days. They gave me a money transfer case number of XXXX. 

Each time I talk to someone they act like this is a brand new request from me. I now have credit card bills I need to pay and they are holding my money hostage with no confident answer as to when they will transfer it back. All I want to do is close my account and have my money transferred back to my XXXX XXXX account and they are refusing to do so.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
These two accounts have been reflected badly on my credit report for over seven years. 

XXXX. XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. DPT EDXXXX Date : XX/XX/2015, Account # XXXX
Product: Credit reporting or other personal consumer reports

Experian is incorrectly reporting a XXXX credit score of XXXX as of XXXX XXXX XXXX Experian customer service has not resolved issue as of XXXX calls on XXXX XXXX XXXX They disconnect the call when the issue is mentioned after providing SS number, so they are not allowing the recording to process. Second phone call went through. Experian credit report of XXXX account shows an XXXX report indicating XXXX XXXX XXXX XXXX We filed a dispute to remove this company months ago, and XXXX, Experian , and XXXX all removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  responded with a letter removing outdated account created due to identity theft. 

Documents included : XXXX Credit Report showing XXXX credit report, no inquiries, no late accounts, and no XXXXXXXX XXXX XXXXXXXX. 
Incorrect Experian report of XXXX credit account, showing XXXXXXXX XXXX XXXX and XXXX XXXX XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for one mortage company and when I looked at my credit report I saw there was more then one for a mortage and I WAS not approved for any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of a XXXX account from my credit report under the Fair Credit Reporting Act ( FCRA ). The account contains inaccurate information. 

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report. Despite my efforts to resolve this, the incorrect information remains and affects my creditworthiness. 

The XXXX agency has not provided adequate verification of this debt as required by FCRA 611 ( a ) ( 7 ). Given the lack of proper verification and inaccuracies, I request the removal of this collection account from my credit report. 

I have filed an FTC XXXX XXXX  Report regarding this account ( copy attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Transunion, XXXX, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS
Product: Credit card

XXXX ( dollar XXXX XXXX XXXX charged me {$630.00} in " late fees '' for " loss of revenue ''. This charge is because while driving the car was hit and totalled. I paid to get the car towed back to the closest XXXXXXXX XXXX XXXX lot. XXXX needs to 1. Charge this " loss of revenue '' fee to insurance and 2. Provide actual proof that they infact lost revenue due to not having any other vehicles available. XXXX charged this to the CC on file and I have tried to dispute this with Chase. Chase did no background research and said that XXXX provided them a contract stating I would pay late fees. This is accurate, I would pay late fees 'in the standard course of business ' should I keep the car out longer than the contracted period. However, this is not the standard course of business as the car was returned, but totaled, and this needs to go through insurance. Chase dragged their feet and never actually provided any answers unless I called and as such they are now stating that the timeline to close a dispute has passed and there is nothing more that can be done.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

There is a account on my credit report that is not mine and belongs to someone else
Product: Credit reporting or other personal consumer reports

I have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over 6 years old as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( INACCURATE REPORTING AS. WELL..

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.
Product: Credit card

On XXXX synchrony bank- XXXX XXXX XXXX- closed my account. I had never been late, nor did I miss a payment- for them to just close my account- with a balance remaining. I had called, and a representative told me that they closed the account due to high balances on my credit. I had explained that if they had looked at my report- they will see that I have NEVER been late, or missed a payment! Not only did they close my account- they stopped me from having access through the app! I asked why would you stop me from accessing the app, when I make my payments through there, and the rep stated I needed to go directly to the website. But why?! How can they treat paying customers like this?!
Product: Bank account or service

I closed a checking account with BBVA Compass several months ago. I received a letter, with no prior warning, this month that the account was overdrawn by {$9.00} XXXX due to a service fee assessed AFTER the account was closed ) and would be sent to collections. When I called and demanded that the account be refunded the {$9.00} charge and closed out, I was held XXXX and told that unless I paid the {$9.00}, my credit would be damaged. I paid the {$9.00} under duress, and believe XXXX should be held responsible.
Product: Credit reporting

The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN
Product: Credit reporting or other personal consumer reports

I made multiple payments in XXXX for my XXXX XXXX for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Product: Checking or savings account

Bank of America gave customers, to include myself, a credit ( advance ) on XX/XX/2021 that I did not give my consent to. I do not have overdraft protection either. They charged me fees for transactions they allowed to go through when they shouldn't have as I did not set up overdraft protection. If there is no money in my account, no transactions are supposed to go through. And, I filed for bankruptcy so any fees like that were supposed to be returned to my account. On XX/XX/XXXX, they took back the credit that I did not consent to which caused my mortgage check to bounce and they charged me a {$35.00} NSF fee which they will not reverse. The agent I spoke to on the phone stated that the IRS mandated that they provide an advance credit. I asked for the letter in writing where the government mandated this and the consent form to advance credit my account which again, I did not ask for nor give my consent. She said she could not provide that and I asked her for someone to call me back today with when I can expect those documents as I need to resolve this because my mortgage check bounced and I now do not have the funds to cover it due to them taking this {$500.00} out of my account. I asked why they did not take those funds back as soon as the credit hit my account as we had been getting this credit for several months in 2021 for the IRS. She said it was to give people a break which makes no sense. No one called me back. I called again and they said that there were no notes from my call about what I asked to be provided to me. They said someone would call me back today but no one ever did.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report