23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX PORTFOLIO RC no additional information on consumer credit report provided by XXXX XXXX. I do not have nor ever had an account with Creditor Name PORTFOLIO RC Or Original Creditor XXXX XXXX XXXX reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- online research for this debt Original Creditor XXXX XXXX XXXX- this creditor is large and they are unable to provide me with the right branch because I do not have No account number, no report on my credit report from XXXX XXXX . 

STEP 2- Conducted an online search for contact information and called PORTFOLIO RC - Customer service : XXXX ( XXXX ) XXXX PRA Group , XXXX. is a publicly traded global debt buyer based in XXXX , Virginia . PRA Group- After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

UNABLE to obtain answers and upset after so many phone calls from portfolio recovery, I confronted the caller and demanded my information to be verified- they declined to validate my information and instead wanted me to provide them with my personal information. If they are harassing me, they should be able to validate it is me? no? 
Went online tried to see if I could find my information by using the I forgot my password- no result. 
Again, the issue is they force you to provide your personal information willingly- entering volunteering information without validating this is you. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account was not found STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead, they have used my calls as acknowledgment of this debt Creditors PORTFOLIO RC and XXXX XXXX  credit reported PORTFOLIO RC. XXXX XX/XX/XXXX XXXX XXXX PORTFOLIO RC Account No. XXXX Original Creditor. XXXX XXXX XXXX  Responsibility. Individual Condition. Derogatory Original Balance. XXXX XXXX. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
Product: Debt collection

I'm writing to complain about Credit Control c/o " XXXX XXXX XXXX XXXX in which they claiming to represent them for an incorrect debt in the amount of {$700.00} on behalf of " XXXX XXXXXXXX XXXX '' I wrote and sent certified mail directly to both parties demanding validation of a contract showing that I owe this alleged debt. To no avail that has been submitted to me. I currently have an ongoing investigation with your assistance and the following reference number XXXX. Sadly, I have received another correspondence from Credit control after clearly stating in writing back on XX/XX/2023 that I do not owe the alleged amount to them, XXXX, and or XXXX XXXX XXXX. I asked them to submit in writing showing my wet signature of an agreed contract of this alleged debt, and showing that they are the authentic owner of the debt ( which I already know no such contract exist ) and I am within my rights to demand proper validation. I asked to not be contacted unless what I asked for is submitted, and yet as of XX/XX/XXXX I have another letter from Credit Control LLC telling me I have 30 days which to dispute or it'll be reported to my credit report. This is harassing and I am tired of it! I am asking for your assistance to stop all correspondence from Credit Control LLC, XXXX XXXX, and XXXX  regarding the alleged debt in the amount of {$700.00} that I do not OWE!!!!
Product: Mortgage

I applied for a cash-out re-fi on a property i own free and clear. My loan was conditionally approved. The lender request that I provide additional documentation to explain my social security XXXX income. I had already provided several forms of verification such as award letters ad bank statements. My loan was put off for 2 months and then reassigned. I was then asked to provide documentation as to how long i would receive social security. I provided a letter from social security showing that i had recently been re evaluated and and my XXXX was continuing. I was then asked to provide a letter from my doctor.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XX/XX/2024 I sent my FTC Report and my FL license to XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXXk XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXXXXXX XXXX {$910.00} XXXX XXXX XXXX {$240.00} These accounts are being reported inaccurately and have violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) 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

Since the Equifax breach of 2017 Ive continuously had my information sold and used on the dark web. Ive not been able to obtain any credit or services due to constant issues that arise and I cant keep up with. Please eliminate all accounts that are currently on my credit report as its my right by statute.
Product: Checking or savings account

Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars. 

I want a check for the balance in my accounts and thats it, accounts can remain closed.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFPB on XXXX and Equifax has not responded to my complaint. 
My complaint number on CFPB is XXXX in regards to Equifax reporting a fraudulent address on my credit report. I have sent over my drivers license with my address on it and they still refuse to change or correct my address. They still continue to report the fraudulent address of XXXX XXXX XXXX I do not live at that address and I have never ever lived at that address.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXXXXXX  and XXXX XXXX XXXX which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant emotional distress and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX XXXX has reopened a collection account from XXXX that has been paid over a year ago and cleared from my account with a different debt collection company. Now it has shown up again on 2 of my credit reports. I have sent a dispute and received a response and comment on my credit report " Consumer Disputes this information ''.
Product: Debt collection

ERC contacted me i told them the debt was not mine and that XXXX   deleted it also and sold it to them because it was identity theft, this is very sad that ERC is being unethical and buying fraudulent debt i may have to contact an attorney for this matter. ERC is threatening to report to the credit bureaus also. i have contacted XXXX XXXX also. 
agents name is XXXX XXXX on this demanding letter.
Product: Mortgage

On XX/XX/XXXX, I mailed a check to Select Portfolio Servicing for XXXX. This was for my XX/XX/XXXX 2021 payment. 

On XX/XX/XXXX2021, I made a quick pay for XXXX at the currency exchange for XX/XX/XXXX payment. Instead of recording this for my XXXX payment, they added this as an Additional principal payment. This payment was not for ADDITIONAL principal, it was for XXXX payment. 

I then sent in one check on XX/XX/XXXX2021 for amount of XXXX. This was for XXXX and XXXX payment. They cashed the check on XX/XX/XXXX. Check number XXXX. 
Furthermore, NONE of my payments were applied towards my mortgage. They took my money, did not apply it to my mortgage NEITHER towards payments nor towards principal balance. My principal balance does not go down, and on top of it they are now saying I am 3 payments past due which is not correct because of misapplied funds.
Product: Credit reporting

TransUnion has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, TransUnion was reporting the estimated date when these items will be removed of XXXX and XXXX ( as clerly shown in earlier credit reports from this company ). However, TransUnion failed to delete this information in a timely manner which is in violation of the Fair Credit Reporting Act ( FCRA ). The continuous reporting of the incorrect information also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

No accurate reporting in XXXX : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX XXXX 2. Under XXXX XXXX XXXX Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in TRANSUNION : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXX accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, Equifax, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called three times today to speak with someone that can help me with my online account and finally when I got a US Rep, she transferred me back into the que with the stupid computer asking the same questions OVER AND OVER AND OVER!!!
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 7 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the Result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), a personal credit card accounts opened at XXXX XXXX ( 2 was opened under my name ) on XX/XX/XXXX account # ( XXXX ) and XX/XX/XXXX account # ( XXXX ). An electric company name XXXX that was opened on XX/XX/XXXX, account number ( XXXX ) ( never lived in XXXX XXXX. A debt collector picked up an account, XXXX XXXX and they reported on XX/XX/XXXX, account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items mentioned to be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act XXXX  account # has violated my rights.

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all communication with me regarding the account with Veros Credit Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my right to request that you immediately stop all forms of communication with me. This includes any written or verbal communication regarding the account. The reporting of this debt to the credit bureaus or any attempt to contact me regarding this account is a form of communication covered by the aforementioned law. 
Furthermore, I dispute the validity of the account in question and request that it be immediately removed from my credit report. If you are reporting this account to any credit reporting agencies, I demand that you take the necessary steps to have it removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm in writing that the account has been removed from my credit report and that all future communications regarding this matter will cease. 
Failure to comply with this request will result in my pursuing further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. I expect a written response confirming that you have complied with my requests within 30 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

I have never signed up for an account with Experian. Experian had my information ( my phone number ) wrong in my profile. I applied for a car loan. The lender could not pull my credit because there was a freeze in my credit. I don't know how/who put a freeze on my credit. There is no phone number or chat to connect with Experian support personnel to correct errors in the profile. As a result, I lost the opportunity to acquire the car loan. I request CFPB to investigate lack of Experian customer support, so that others do not encounter the same problem as I did.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

After my initial complaint about SoFi, someone finally called me ( 17 days after my account was restricted ) to validate my transactions. Today, I started moving my money out of SoFi to another bank, as I intend to transfer all of my balance out of SoFi and close the account. After my initial transfer to another bank, SoFi again restricted my account - today, XX/XX/scrub> 2025. I called them and was told the same song and dance. That they want me to upload my driver 's license to some random website to validate who I am, that they can't give me any information, that there's no one that can help, etc. I feel my money is again being held hostage by them. Last time it was $ XXXX they held at their will for 17 days with no timeframe for resolution. I don't see how this can be legal. I was able to transfer nearly $ XXXX out before they restricted my account again today. I told them I could validate all the transactions- they did not want to go this route. I then told them to close my account. They said they'd mail the remaining balance to my mailing address on file. I wonder if this will actually happen, and, if so, what timeframe, and if not, what recourse I have. I feel these activities by SoFi are unethical and illegal. Not to mention frustrating.