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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$29000.00}, {$7500.00}, {$20000.00}, {$8300.00}, {$14000.00}, {$2000.00}, {$27000.00}, {$2200.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX XXXX/XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting or other personal consumer reports

Credit Control Inc. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 
I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit card

Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with capital one I have caught up my payments and still has my account as 3 months ast due not only that they took 65 points off my credit score which was due to no fault of my own I just recently got a job I ho to college and had to finish my semester at home due to covid then had lost my other job that I. Had in summer due to covid Ive borrowed money from my parents to get me caught up I dont think its right they still have on my credit report as 3 months past due and took my points away from me
Product: Mortgage

Lakeview is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. 

XXXX. Loancare/Lakeview to validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

My XXXX is XXXX, I share XXXX of him. He was somehow able to get a Square XXXX Account. He started charging my credit cards to his vendor account, a XXXX XXXX  buisness. " XXXX and XXXX '' in XXXX California, He charged many of my credit cards. So i called Square to see who set up the account, if he set up the account or was he using my identity to set up and account? I tried twice on line and documented my efforts. Square alleges they can not locate who has the account unless i provide them with an email address linked to the account. Square got my email address and promised to follow up, they did not. I tried online support again and again they said there was nothing to do but to file a police report. I wanted to know who to file the police report against. Why is a XXXX child allowed to set up a credit vendor account. Has he charged other credit cards that are not mine. This is very irresponsilbe. I don't believe they can not locate this account that has charged XXXX of dollars that i had to dispute with my credit companies. Square is being irresponsbile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company just showed up on my credit report. There were no letters, phone calls or any other communication from this company.
Product: Debt collection

Sallie Mae company has been notified repeatedly NOT to contact me regarding student loans for which I was a cosigner during the hours of XXXX to XXXX as I am at work. They continually do so. As a private duty nurse for a disabled child, the multiple interruptions are a severe distraction to me providing care.
Product: Credit reporting or other personal consumer reports

Every 90 days I have requested that these fraudulent accounts be removed from my credit and every single time the reporting agencies come back and say they are accurate and leave them on my report. They do not belong to me. My maiden name was XXXX and I have had fraud in the past Ive sent them copies of police reports. I have sent them multiple letters and every 90 days I repeat it and over and over again I hit the same wall. Can anybody please do anything to help me? Its XXXX XXXX  multiple cards and capital one. XXXX  in total from someone elses report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name : XXXX XXXX XXXX XXXX Business Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from XXXX for XXXX for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill.

Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies ( EXPERIAN & XXXX ) as these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to XXXX XXXX, Spoken to Card Services Members & Credit Dept -- -- requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days ) This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( Experian & XXXX ) ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE
Product: Student loan

My account has shown " missing payments '' dates that were in fact pulled from my account. The most recent occurrence of this happened XX/XX/2024. {$200.00} withdrawn from my account via auto debit on XXXX XXXX, but when I log into my mohela account ( new platform ) it says that this payment is missing. It has said this for almost over a month. Despite it saying the payment is missing/overdue, their system also shows that the received the payment in the payment history on their webpage! What is this madness? 

I have called customer service for Mohela and they confirmed they received the payments in both of these cases. They were not sure why it was showing as missed on my account. I asked them to send me a letter certifying that I am not late on payments/ not delinquent and they have not. They just send me standard boilerplate bills showing that I am still missing payment for the date in question.
Product: Debt collection

Subject : Formal Complaint and Request for Cease-and-Desist Order Against Portfolio Recovery Associates , LLC To Whom It May Concern, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) and to request that the CFPB issue a cease-and-desist order against them. Portfolio Recovery Associates has been reporting inaccurate and misleading information on my credit report, which has caused significant harm to my creditworthiness.

Details of the Issue : Inaccurate Reporting of Authorized User Account : PRA is reporting an account on my credit report for which I am only an authorized user, not the primary account holder. This misrepresentation is causing undue damage to my credit score and is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 
Failure to Provide Debt Validation : Despite my requests, PRA has not provided the legally required debt validation. According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to send me proper documentation to verify the debt. Without this validation, they have no legal right to continue reporting this account on my credit report. 
Lack of Proper Notification : PRA failed to send me the necessary paperwork and notifications that would have allowed me to verify the accuracy of the debt and dispute it if necessary. This failure to communicate has denied me my legal right to address and potentially resolve the issue before it was reported to the credit bureaus. 
Request for CFPB Action : Given these violations, I am requesting the CFPB to take the following actions : Issue a Cease-and-Desist Order : Please issue a cease-and-desist order to Portfolio Recovery Associates , LLC, to immediately stop reporting this account on my credit report until they provide proper debt validation and correct the inaccurate information.

Investigate PRAs Reporting Practices : I request that the CFPB conduct a thorough investigation into PRAs reporting practices to ensure they are complying with the FCRA, FDCPA, and other relevant consumer protection laws.

Hold PRA Accountable : If PRA is found to be in violation of federal law, I ask that they be held accountable through appropriate legal and financial penalties.

Conclusion : The continued inaccurate reporting by Portfolio Recovery Associates has caused significant harm to my financial well-being. I trust that the CFPB will take swift and decisive action to address these issues and protect my rights as a consumer. 

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

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

I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR
Product: Checking or savings account

On XX/XX/2023 I notified chime of 10 unauthorized debits totaling {$3300.00} from XX/XX/XXXX to XX/XX/2023, at the time being almost in shock I was connected with a very nice agent to help me through and file a transaction dispute for these charges, after explaining and verifying what transactions to include in the dispute I felt a little better and less stressed thinking chime was going to help me the agent submitted the dispute and a new debit card was on the way, not even XXXX hrs later I got a email from chimes investigation department stating the investigation into the 2 yes 2 not the 10 I requested but the 2 unauthorized transactions had been investigated and deemed correct and no credit or refund would be issued, I immediately contacted chime and explained the first agent made a mistake and only disputed 2 of the ten transactions that I asked to dispute and by doing so may have impacted the investigation, so a new dispute was filed on XX/XX/2023 for what I thought was for all the ten charges, not even 2 hours after filling the 2nd dispute I got a email from chimes investigation department stating that the dispute filed on XX/XX/2023 for XXXX unauthorized charges has been investigated and they deemed the charges are my doing and no refund or credit will be issued, I then contacted chime and asked for documentation that supports their decision and proves Im responsible for these charges which I requested on XX/XX/2023, it is now XX/XX/XXXX and chime being able to investigate 10 unauthorized charges and reach a decision within 1 hour still hasnt sent me any documentation, I then explained everything to the agent once again and asked to file a rebuttal which we did and once again the agent failed to explain the first mistake made by only disputing 2 of the charges then 8 just filled a plain normal rebuttal stating I didnt agree with the decision, one day later both rebuttals were investigated and denied by chime and Im told thats final no more will be investigated and no credit will be issued,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Money transfer, virtual currency, or money service

A friend and colleague posted a message on their personal XXXX account involving an estate sale. I started corresponding with them about a car for sale. They sent pictures and additional information. I sent payment via Venmo. They then gave me an address locally as to where the car was stored. I looked up the location and thought it was too small of a property for the estate sale. I started to get concerned at that point and wrote to another friend who was tagged in the post. She told me my colleague 's account had been hacked. I asked the hacker to call me directly, so I could ask a few more questions about the car. They stopped replying. I knew then that I had been scammed. I immediately tried to contact Venmo, but couldn't find a way to do so. I called my bank and stopped the transaction. When I did get ahold of someone at Venmo, they told me we could likely resolve this issue. The following week I received an email from Venmo saying the money had been posted and I owed Venmo {$800.00}. I contacted Venmo again and offered to send all correspondence regarding the scam and asked for resolution. They declined my offer and have continued to send requests for payment. My concern is that Venmo is asking me to vet a purchase from what I thought was a friend, as though they have no responsibility regarding transactions. Presumably, if they can see that all of my transaction history has been local from local accounts to local banks, if this was international, it should flag the transaction as a potential scam. As it stands, scammers have the upper hand, and that is not ethical. I would like Venmo to resolve this issue and I think they have a responsibility to increase efforts to stop fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle that I had previously leased from an automaker ( XXXX  ). I had attained financing thru my credit union and negotiated the purchase of the vehicle but because of ineptitude at the dealership a financing account was established with XXXX also. As I did not try to start an account with XXXX I informed them and did not pay on that account. They did not close or deleted the account and so it went into default. I contacted XXXX and notified them of this fact and they corrected the situation ; closing and deleting the account. I notified the credit reporting agencies of this error asking that they delete the incorrect account information. TransUnion never deleted the error and then went on to claim that the disputed information was in fact verified as accurate when I submitted a dispute to them. The other credit reporting agencies were able to delete the incorrect data but not TransUnion as it seems.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$980.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit file Upstart has referred an account to a third party collection agency on XX/XX/2023. I have never did business nor provided a signature to the third party debt collector. I was also not notified of who that third party debt collector is or whether they are licensed and bonded in the state of North Carolina to collect debt. They are reporting on XXXX, XXXX, and XXXX. I am demanding they have this removed immediately. Pursuant 18 U.S.C. 8 this company is violating my consumer rights to privacy.