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

This serves as a follow-up to my recent complaint. I have also enclosed my recently filed FTC report # XXXX. Once again, I seek your assistance in removing these fraudulent items : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , TX XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

According to these laws 15 U.S. Code 1692c and 15 U.S. Code 1692g and 15 U.S. Code 1681 e ( b ) I am protected from the abuse of my rights as a consumer.

Dear Portfolio Recovery Associates, I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following documentation : 1. A copy of the forward flow agreement related to the accounts in question.

2. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt.

It is my right to request this information, and I expect your prompt response within 30 days of receiving this letter.Thank you for your attention to this matter. I look forward to your prompt response. Portfolio Recovery has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with Portfolio Recovery collection agency. I have included the validation letter sent to Portfolio Recovery that they never responded back to when delivered by USPS back in XXXX of 2024.
Product: Credit reporting

Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found inquiries that do not belong to me.
Product: Debt collection

This morning I received by first class a Writ of garnishment notice. I have not heard from the attorneys office Rolfe and Lobello, from XXXX, Florida in XXXX years. This is an old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. Ifrom XXXX, Florida in XXXX years. This is a old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. I contacted XXXX XXXX this morning and requested to make a payment arrangement and make a paid down payment of {$3000.00} on the total amount owed of {$6900.00}. she was very rude and declined my offer. I have not heard from this company in years and it is near the statute of limitations and Im sure thats why they are threatening me and contacting my employer. I would like to resolve this situation and pay outside of the garnishment program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. I am writing to request that you block the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.
Product: Vehicle loan or lease

I called Nissan and had them send me the contract I been trying to get this disputed for years they sold the car for XXXX. The contract they sent me was bogus and under recession law I sent them a letter stating to verify my account or delete they sent me a letter back saying oh we couldnt find your account can you send us a letter back with your social or account number. I called them back and there was just no way they could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 and XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, have violated my rights. 15 U.S.C. 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 take any consumer report containing any of the following items 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 or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered regarding inaccuracies in my credit report. Upon reviewing my credit reports, I discovered discrepancies related to late payments attributed to three creditors, despite my consistent and timely payment history. 

One such instance involves a loan ( Account Number : XXXX ) with Local Government XXXX XXXX, where a late payment was reported in XX/XX/year>. However, it's imperative to note that I have never defaulted on payments for this account. Interestingly, this discrepancy appears on two of the credit bureaus while being correctly reported on the other. 

Furthermore, I recently noticed another discrepancy concerning an account with XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report, a late payment was recorded for this account, which is entirely inaccurate. I have maintained a flawless payment record with XXXX XXXX XXXX, and no late payments have ever occurred. 

In an attempt to rectify these matters, I promptly initiated disputes with the credit bureaus by submitting written requests for investigation. Regrettably, despite complying with the proper procedures and adhering to the requisite timelines, there has been an alarming lack of response from the bureaus. Consequently, the erroneous information remains unaddressed, posing unwarranted consequences for my creditworthiness. 

Dispute from the consumer or reseller. They also violated these laws And according to 15 USC 1681i % theyare suppose to do this ( XXXX XXXX of inaccurate or unverifiable information ( A ) in generallif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, am item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) prompltly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that informationthat the information has been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are suppose to not furnish any information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company that reports late payments and its affecting my score. the account is paid in full but reporting late payments the name of the company is XXXX XXXX XXXX and its reporting to all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX. 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has said nothing has been updated or changed and can NOT use the title as proof that my vehicle is PAID FOR and not in repossession. Falsely saying it was repoed in XX/XX/2019 when thats when it was paid. They refuse to fix my information to accurately say what Is actually true and a proven fact! They are falsifying a legal document
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Vehicle loan or lease

I was late on payments in the winter due to Covid 19. Capital One never sent a bill or called me to try and work with me on my missed payments! I called them a couple of times and was on hold for at least a half hour.. I was really late catching up because I work in the XXXX field and was hit hard with my job. I got all caught up and asked them multiple times if they could take my 30 day installments off of my report now that I'm all caught up.This was all due to the pandemic!
Product: Debt collection

In XX/XX/XXXX Portfolio Recovery and Associates ( PRA ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after PRA obtained my new mobile telephone number, PRA added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by Portfolio Recovery and Associates and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that PRA provide proof that I consented to receive robocalls on my cellphone. I disputed PRAs right to contact me on my cellular phone and made several requests for PRA to reveal the telephone number originally provided by the creditor. 

I am aware that Portfolio Recovery and Associates violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked PRA to provide proof of consent and PRA has ignored both of my certified letters. I have provided PRA with phone records and proof of their credit inquiry, yet PRA has chosen to ignore my claim.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called NewRez To ask what was my pay off balance, Representative that I spoke to informed me that balance was the same as my principle balance I then informed her that I new the process and that it could not be the same balance. I asked to speak to a pay off department, Representative told me they had no pay off department and then said I could speak to a mortgage adviser. I was transferred and while I was explaining situation they disconnected the call. I called back 12 more time and they did not answer the phone. I received their explanation of what the payoff amount would be, which is totally incorrect. They are not removing the seven years, which would be left, on our thirty year mortgage. I am sure that you are aware of this company, NewRez LLC. 
has numerous class action law suit pending against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt account # has violated my rights. 

XX/XX/XXXX, XXXX $ XXXX by me Consumer disagrees XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$260.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

1 ) Was charged on XX/XX/XXXX from XXXX for XXXX on my Discover Card XXXX ) Disputed the charge on XX/XX/XXXX as there was no record on XXXX of this transaction as my plan was cancelled. I uploaded these documents to Discover.Com in the dispute case XXXX 3 ) Discover reached out on XX/XX/XXXX via email and notified me that the dispute was investigated and found to be in my favor. The email stated " If the merchant provides information indicating the transaction is valid, we may reverse the credit adjustment and notify you with a copy of any documentation we receive. In that case, you will be able to provide additional information if you wish to continue the dispute '' 4 ) In XXXX the transaction was posted to my account. No notification from Discover that this was done. 
5 ) On XX/XX/XXXX my auto pay paid the XXXX dollars. 
6 ) Contacted discover and they stated that my transaction was still under investigation and that was why it was posted back to my account. 

Reviewed my XXXX account and new charges were attempted to Discover on XX/XX/XXXX but never appeared on Discover statement and do not add up to XXXX dollars. These charges were not approved or authorized.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 my 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 to be updated. 


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. 


EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, my capital one credit card was deleted from my credit report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an FTC report which contains 5 fraudulent accounts! I have listed 15 fraudulent inquiries in the FTC report as well along with a unknown address. Please block, delete remove items in FTC report under FCRA 605B 4 day block as I will be contacting a consumer law attorney to sue these companies for placing these accounts on my credit report if they are not removed from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681. 

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest. 

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! 

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). 

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored.

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!
Product: Credit reporting or other personal consumer reports

Please REMOVE the FRAUDULENT reporting addresses, names, and fraudulent inquiries. Under the FCRA you must remove these addresses, names and fraudulent inquiries. these area on my credit reports does not relate to any transactions done by me.The attached paperwork shows all the fraudulent information in detail.
Product: Debt collection

I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my the c
ompany 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 those account 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. 


XXXX XXXX XXXXNever 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 card

I received a late fee on XX/XX/XXXX for XXXX dollars. 
I called the Capital One for credit and was refused. 
I was harassed by by three agents stating it was my fault that i paid my payment too early. 
I made two payments.