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

Dear Consumer Financial Protection Bureau, I am writing to formally summarize and request your assistance with a dispute regarding inaccurate reporting by Portfolio Recovery Associates ( Account Number : XXXX on my XXXX. The inaccurate reporting pertains to the inclusion of XXXX late payments on a collections account, which is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Key Points of Dispute : Inaccurate Reporting : Portfolio Recovery Associates inaccurately reported 120-day late payments on a collections account. FCRA Section 623 ( a ) ( 1 ) ( A ) mandates that information reported to credit bureaus must be accurate and reflect the true status and history of the account.

Violation of FCRA : The reporting of late payments beyond the point of charge-off misleads creditors and other users of credit reports, violating FCRA guidelines intended to ensure accurate reporting. 

Demand for Resolution : I have formally disputed this inaccurate reporting with Portfolio Recovery Associates and requested an investigation under FCRA Section 611 ( a ) ( 1 ) ( A ). I have requested Portfolio Recovery Associates to remove the entire account from my credit report due to the inaccuracies.

Supporting Documentation : Enclosed with this summary are copies of correspondence with Portfolio Recovery Associates, proof of the account 's charge-off date, and a copy of my credit report highlighting the inaccurate information.

Resolution Requested : I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Portfolio Recovery Associates corrects the inaccurate reporting by removing the disputed account from my credit report promptly. Please inform me of any actions or recommendations resulting from your investigation. 

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

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : A solar system was sold to us through XXXX XXXX XXXX. The contractor that was assigned to the installation was XXXX XXXX XXXX, XXXX dba XXXX XXXX XXXX XXXX. The contract was between XXXX XXXX XXXX and me. I signed an installment loan with Goodleap to finance the solar system. 

The contractors came and installed the system. We never had any contact with XXXX XXXX XXXX to let us know know they had subcontracted with XXXX XXXX. XXXX XXXX was responsible for the modules, inverters, racking, and the balance of the system equipment. 

On XX/XX/XXXX, I received an email from Goodleap representative ; XXXX XXXX, that the XXXX, XXXX XXXX XXXX had closed their doors and were out of business. They were contacting customers to have their jobs completed. They had already sent the loan funds to XXXX XXXX XXXX to fund the job. The job was incomplete until this month, XXXX, XXXX. They had a backup company to complete the job. 

HOWEVER ...... In the midst of the job, on XX/XX/XXXX, I got a preliminary notice from the court that I am getting a mechanics lien on my home for {$12000.00} from XXXX XXXX. XXXX XXXX Solutions took the money from Goodleap and ran. They did not pay the subcontractor their money. When I called Goodleap to get copies of the payments that were distributed on the loan, they refused. We aren't sure if Goodleap was responsible to pay everybody including subcontractors too or just a lump sum payment to the contractor to pay the subs themselves.
Product: Credit reporting or other personal consumer reports

I have sent out a letter to XXXX, transunion, and XXXX on XX/XX/year> and none have responded it is now XX/XX/year> XXXX claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as XXXX and tranunion my consumer profile should be correct and fix to reflect that its 100 % accurate as per law
Product: Mortgage

XX/XX/XXXX, XXXX XXXX Status : The file is in forbearance ending soon Initial forbearance Started in XX/XX/XXXX Ends on XX/XX/XXXX How many more months are available? 
It is a private investor so the client has to call in to make the request for extension on forbearance. 
Under Review : No XX/XX/XXXX, XXXX XXXX Status : The file is in foreclosure Sale Date : N/A The forbearance expired on XXXX XXXX. The file is referred to attorney XX/XX/XXXX Under Review : No, nine applications got denied and the most recent one in XXXX, XXXX. The only option is to re-in-state, short sale or deed -in lieu. 
What docs need to be moved forward with Loan modification?

They can still re-apply but are not sure about the result.

Due months : 31 Current principal amount : {$240000.00}. 
This is the timeline of the events that have led up to me losing my mothers home during the last 18 months she passed away and i has been a real struggle to get the loan into my name I have submitted all of the paperwork that was requested and still being denied assistance.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report and there are inaccuracies listed. These remarks and accounts have had a negative impact and have been detrimental to my life and credit health.
Product: Student loan

I had a loan with XXXX  it apparently transferred to Aidvantage they claimed in an email sent to the email on the account that I owe money that starts in XXXX, I tried calling to get my account enabled after login and register both failed do to XXXX account or account not found. I called today XX/XX/ after an 1hr on hold someone picked up said I did owe money on a loan, I asked Very clearly multiple times to get my account re-enabled she said an email would be sent where I just had to follow the steps and my account would be back up. and hour later that email shows, its no different than clicking the register button but fine I try the steps, it doesn't work, its the same failure as before. I have no way of contacting them other than this phone number, I can't get into my account to do anything. How can I owe an unknown amount of money that does not show in my Fafsa account, and be expected to pay in XXXX when the Student Loan provider Aidvantage will not allow me to access my account. This is a very serious complaint and my only other option before contacting a lawyer. I just called again while typing this and they hung up after I was on hold for several minutes. Just wow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian about a bankruptcy public record in XX/XX/2018. They verified that a ( Company ) verified the information is accurate. Then, I sent a method of verification per FCRA 611 in XXXX. Experian basically sent the same ( XXXX ) generated response as the first. They are supposed to send me how they verified the info in 14 days. They are now violating the FCRA. They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian. So, how did they verify??? If they verified with Pacer that is not the furnisher data. The furnisher of the data has to be the court they report on my credit report. Pacer or XXXX XXXX is not the original furnisher of data. I have proof they did not provide the method of verification.
Product: Debt collection

My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.
Product: Bank account or service

In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.
Product: Credit card

If a credit card holder does not use " paperless '' monthly statements, there will be a {$1.00} monthly fee for monthly paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX , SC,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED   XXXX   XXXX   & EXPERIAN AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO   XXXX   XXXX   XXXX    XXXX   XXXX  ALREADY. I UPLOADED REPORT TO EXPERIAN AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
Product: Credit card

The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.
Product: Debt collection

Complaint Regarding Improper Disclosure of Personal Medical Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper disclosure of my personal medical information by XXXX XXXX and Receivables Management Corporation. This violation of my privacy rights has caused me significant distress and raises serious concerns about the handling of my confidential information. 

I recently requested validation of a debt associated with my account from Receivables Management Corporation. To my astonishment, the documentation I received not only included basic information related to the debt but also sensitive medical details pertaining to my health issues and treatment. This disclosure of my personal medical information is a clear violation of my rights and raises concerns about the agency 's compliance with privacy laws and regulations. 

I believe the actions of XXXX XXXX are in direct violation of the following regulations : - The Health Insurance Portability and Accountability Act ( HIPAA )- which protects the privacy and confidentiality of medical information.

- The Fair Debt Collection Practices Act ( FDCPA )- which outlines guidelines for fair debt collection practices and prohibits unfair or deceptive acts by debt collectors.

Requested Action : In light of this serious breach of my privacy rights, I request the following actions be taken by the Consumer Financial Protection Bureau : 1. Investigate the improper disclosure of my medical information by Receivables Management Corporation 2. Ensure that appropriate penalties or corrective actions are imposed on the collection agency and the hospital for their violation of privacy laws. I never agree to have my sensitive information to be shared to Receivables Management Corp. Im embarrassed that they know my treatment and everything else.

3. Provide guidance and recommendations on how I can protect my privacy rights and prevent further unauthorized disclosures.

4. Advise me on any further steps I can take to address this matter and seek appropriate remedies.

I have attached copies of relevant documentation, which highlights the specific improper disclosure of my medical information. I appreciate your attention to this matter and your efforts to protect consumer rights.

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution of this issue and your assistance in safeguarding consumer privacy. 

Sincerely, XXXX XXXX
Product: Credit card

My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.
Product: Vehicle loan or lease

Nissan Motor Acceptance Corp shows on my credit report for {$10000.00} but the truck was repossessed and resold for more then was due on the truck. It was in XXXX  when the truck was repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors listed on my credit report that do not belong to me. There are also addresses listed in which I have never lived at. Please remove them from my credit immediately.
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. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXXXXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX, XXXX XXXX XXXX Account Number : XXXX Delete this account. 


15. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX. I was XXXX XXXX and provided all of my information at that time. 

In XX/XX/XXXX, I received my first collections letter ( never even got a bill prior ) from XXXX XXXX XXXX XXXX. I called my insurance, XXXX, who stated they have never received a bill and would need a letter also explaining why nothing was submitted prior. I talked to the hospital who said they cant help and then I talked to XXXX again who took down my XXXX information and said they would work it. 

XX/XX/XXXX, I get another letter from XXXX XXXX XXXX for the same debt. I spoke to them and explained what occurred last time and by the end they said they would work it. 

XX/XX/XXXX, I get a bill for the same debt from Phoenix Financial Services. I call them and the first lady said that its not medical insurance to be billed its car insurance.. I found that odd so I called XXXX once again. XXXX confirmed they have yet to receive anything from anyone regarding this and whoever was billing needed to bill them. I called Phoenix Financial services back and told them basically the same thing I told XXXX is that they can bill XXXX. I was told they do not do that. That is the hospitals job and I had to pay a debt now four years old ( statue of limitations in MD is 3 ) or get the hospital to take back the file of debt and bill. 

Its 4 years after the first visit and because someone didnt bill my insurance I am continuously dealing with debt collectors. The first few letters I thought would be the last as XXXX said they would bill XXXX. 

Phoenix Financial is now stating they will file this on my credit report. 

I do not feel as if I have to pay this debt because someone four years ago didnt file a claim with my insurance. I have provided my military ID over and over again for any collector or organization to submit the proper claims to XXXX to receive their money the correct way. 
The debt is four years old. 
I was XXXX XXXX XXXX and XXXX covered everything if they were billed. 
No one has billed XXXX. 

I do not think that is my responsibility to pay a debt when the hospital had my insurance ( billed it for other things ) and did not bill this. XX/XX/XXXX said it would be worked and I thought this was over. 

I have never not settled a bill that I owed. I have either helped a billing department refile the bill or paid what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am humbly requesting the CFPB to help me in fixing my issue regarding these two remaining fraudulent inquiries. I sent a letter to the Experian Credit Bureau for Fradulent Inquiry Removal, I am submitting this complaint as a follow up for it. I am hoping that when my next update of my credit reports, the Experian Credit Bureau will finally remove these 2 inquiries specified inquiries below. Please see below the inquiries that I urgently needed the Bureau to remove : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Requested a debt validation for the fraudulent charges listed on the attached FTC report, no debt validation letters were ever sent to me after I requested them from the 3 debt collectors listed.
Product: Debt collection

When I had first received notice in late XXXX from ProCollect, I had sent ProCollect and XXXX  XXXX XXXX proof that I had paid rent, proof that the carpet didn't need to be replaced, proof that the kitchen didn't need to be cleaned. They had also rented the unit out in XXXX, the same month they are trying to collect past due rent from me. In XXXX, XXXX responded back to my complaint, saying I still owe the debt.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"