23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is reference to  Case No.   XXXX  previously filed with the CFPB.  <P/> Overview : Since  XXXX    XXXX  , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with   XXXX   and  XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then  two  months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act.   <P/> Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY  may  have committed fraud!  <P/> I have not " with confidence '' never received any response from Portfolio Recovery to date  (  see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later!  <P/> Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over  120  attempts ) based on limited information with hopes of making a hit of the  three  rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ).  <P/> Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there!  <P/> Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last  four  digit of my SSN ( PORTFOLIO RECOVERY got the last  four  digit because of the requirement by CFPB and now illegally used this information to their advantage ).  <P/> Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''.  <P/> I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate my cred disputes. I sent them all the required documentation see documents that I sent to them attached. The letterthey sent out to me requested all the same information that I had emaile them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to XXXX  and Experian. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX   written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and XXXX and Experian have not been able to investigate properly. They keep requesting more information from me, which I do not have. XXXX  and Experian are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by SOUTH WEST RECOVERY SERVICES about an alleged debt they where try to collect on which I never signed any contracts with them please provide me the documentary of Evidence 15 U.S.C 44 with my name in wet ink and SOUTH WEST RECOVERY SERVICES REGISTERED AGENT Names on the contract as well South West Recovery Services is also in violation of failure to communicate that a disputed debt is disputed 15 U.S.C 1692E ( 8 ) I told A SOUTH WEST RECOVERY SERVICES representative I was aware of any alleged over the phone and they still listed on my credit report which is also identity theft I never gave them any written consent to put anything on my consumer report
Product: Credit reporting

I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My Credit was run by several finance companies without my permission in the state of XXXX, where I do not live. I have contacted each company to verify and remove it based on Fraud.

FCRA Law 15 USC 1681a, FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit card

Around approximately XX/XX/year> of this year I received a card that I did not apply for. I immediately called and filed a complaint about the fraudulent activity. They send me an email and then I forwarded them the information and then I received a confirmation that it had been canceled and taken care of a few weeks later. Fast forward to today, XX/XX/year> I received another cash app credit card that I did not apply for. I never created a cash app account. My credit has been frozen since XXXX of this year. This should not be happening again as I have already made a complaint about fraudulent activity on top of the fact that my credit is frozen and no credit should be able to be taken out in my name.
Product: Checking or savings account

I did what they told me I waited for the letter and I still havent recieved anything and they also told me to get a number under my name and register it to see in public records called my phone company and slither still say I cant get verified Im getting tired of waiting they wont tell me what address they sent it I would assume the one I have on my account so Im didnt do anything with my account for it to be on hold so I assume you guys blocked it because my parents had their taxes sent to my account I agreed to have it sent to my account because I have my siblings living wit me I just need to fix this in person if possible Im going financial hardship and they turned off my light I have no food for my siblings I really need to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

I have been requesting a short sale for the last 18 months, Select Portfolio has been giving me the run around, they have been delaying the process by giving me conflicting information, I have been sending documents for over 18 months and their delay has caused me stress, cost me thousands of dollars in attorney 's fees and currently now I may probably lose the buyer and have a Foreclosure on my record. I have been calling the lender every other day for the past 18 months requesting them to review the documents, I have since lost XXXX buyers due the Select Portafolio delaying the process by not being responsive. In the last month alone I 've called 10 times trying to get an update as to the status of the short sale. Every single person taking my call has given me different information, and most of the times the information was inaccurate. No one seems to take responsibility for delaying the process or for giving you erroneous information regarding my account. I need assistance. My XXXX review was submitted on XXXX XXXX, 2016 and to this day no one has reviewed the documents or started the review.
Product: Debt collection

I have received numerous calls from different numbers with callers identifying themselves as from " the litigation department '' of Portfolio Recovery Associates. Callers state that they are collecting on behalf of XXXX XXXX. Callers state that they have a XXXX time settlement offer to avoid further action which I have interpreted as a lawsuit since they are calling from the " litigation department ''. I have asked both verbally and in writing for proof of debt and I have been told that they have provided it. When I asked for date ( s ) or conveyance of how it was sent I am told I am stalling and I need to settle the debt. As of the time of complaint, I have received NO proof or verification of debt from Portfolio Recovery, only demands for payment. As of this date, Portfolio Recovery appears on all three of my credit reports. I have disputed this debt with the credit bureaus. In addition, there is no mention of any derogatory account from XXXX XXXX on any of my credit reports. I currently have XXXX active and open positive accounts from XXXX XXXX with no derogatory marks.
Product: Credit card or prepaid card

My income tax stimulus payment was apply to my account through the IRS, and suddenly my account was frozen, without any warning, I never before had any problems with my card, I couldn't even call them to ask why? But I had another account with them with a debit card, only then I was able to get through and when I asked them why I couldn't withdraw my money, they replied that they couldn't discuss that with me, and that they will send me the {$2300.00}. that is in my account, but I don't believe them, please help me with this problem.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX New inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent written correspondence to TransUnion. Requesting them to provide documentation as to how they certified the information was accurate. I never received any information as to how my information was verified. I did some research and found that TransUnion verifies its information with a company called LCI. On XX/XX/2022 I sent an email to LCI requesting them to delete my information out of there system. I do not give them permission to share my information with any credit bureaus or agencies that they are affiliated with. On XX/XX/2022 I sent another written correspondence to TransUnion asking them to do a reasonable investigation once again. I have received the results of the investigation. TransUnion has violated my rights as a consumer, per the FCRA rules and regulations for reporting a Bankruptcy. FCRA states that a credit bureau has to verify its information from the original creditor. 

TransUnion claims their investigation results are verified by the US Bankruptcy Courts of XXXX MD. I have called the US Bankruptcy Courts of XXXX MD. They do not verify information with the credit bureaus or any agency. I have a written letter from the US Bankruptcy Courts of XXXX MD supporting this. TransUnion has violated my rights as a consumer and continues to violate after I sent them information showing the violation. 

I have attached copies of correspondence from me and from company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXX Bank with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX AND XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

These accounts below are paided off. Please update credit report. 

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance {$5000.00} Credit limit XXXX XXXX {$36000.00} Reported balance 31 days ago XXXX XXXX {$32000.00} Reported balance 31 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts, information, and activities have contaminated my Credit File, and I am once again requesting the removal of such information resulting from the fraud. It is important to note that my personal information was exposed in the Equifax data breach. I am submitting this complaint via the CFPB to request that the three major Credit Reporting Agencies remove the accounts and information that remain on my Credit File, despite the actions they have taken in removing a portion of the disputed items. I have been requesting that they remove the accounts and information resulting from fraudulent activities. While I appreciate their efforts in removing some of the fraudulent accounts and information, I am seeking help once more to request that they remove the remaining fraudulent accounts. 
The accounts, inquiries, and inaccurate addresses listed are not associated with me in any way. I have neither received any money, goods, nor services as a result of identity theft, nor have I authorized these accounts. I urgently request that the Credit Reporting Agencies promptly remove any affiliation of these items with my identity. I need the help of the Credit Bureaus in removing the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US BKPT CT GA XXXX Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my numerous request for the Credit Bureaus to remove these items, and I do not lose hope in resolving this matter as peacefully as possible. If the Credit Bureaus ' investigation finds that the disputed items belong to me, I require them to send me copies of the documents they found during their investigation. In the absence of such documents, immediate removal of the disputed items is expected.
Product: Debt collection

XXXX sent me a misleading solicitation letter. It was designed to give me the impression that I would be subject to interest accruing on my credit card debt at an unreasonable rate, and, in addition, penalties. The letter insinuated that this was due to **Failure to Call**
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion and XXXX  several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

Tranunion : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX  XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX - XXXX   XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern, I hope this letter finds you well. I am writing on behalf of a federal award recipient, authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Persons ( please refer to the attached Confirmation of Authorization ). This communication is to inform you that the XXXX XXXX has verified and determined that XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or sex trafficking as defined under 22 U.S.C. 7102 ( 12 ), in accordance with the requirements for blocking adverse credit information pursuant to 12 C.F.R. 1022.142 ( see attached rule ). 
The XXXX XXXX is a dedicated organization advocating for the rights and protection of those affected by XXXX XXXX, including debt bondage. Our mission is to support survivors of this serious human rights violation and to work collaboratively with various stakeholders to address and combat this critical issue. 
In the course of our work, we have identified a case involving an individual whose credit report reflects an outstanding debt that we strongly believe is tied to debt bondage. The nature of this debt suggests possible coercive or fraudulent practices, resulting in an unfair financial burden on the victim. 
We kindly request your assistance in blocking and removing any adverse accounts that are negatively impacting her credit profile, in compliance with applicable regulations. Your prompt attention to this matter is greatly appreciated, and we look forward to working with you on this important issue. 
Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 make any consumer report containing any of the following items of information 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 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.