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

To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX I have the right to dispute any inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act. The data included in my credit report must be documented and validated before it is used by creditors, so I take this seriously. The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
Regards, I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

I registered my phone number in 2010 and have been receiving calls from debt collectors ever since regarding debts owed by someone named XXXX. I have asked repeatedly for them to stop calling me, but they have not. I have asked who is calling or for more information, but they refuse to disclose. The most recent number to call me was XXXX, which I have traced to a debt collection agency called CBE Group.
Product: Mortgage

I have a loan that was originated by XXXX, which was recently purchased by PNC mortgage. I asked both XXXX and PNC to terminate the PMI from my loan since it is under XXXX % loan to value. Both refused even though I am current on my payments. XXXX sent me a letter saying that they were required to terminate the PMI after my loan reached XXXX % loan to value. This was during the sale of my mortgage. Shortly after that I called PNC to request they end the PMI, PNC sent me a letter saying I was XXXX % loan to value, but said to remove the PMI I 'd have to pay {$500.00} for a new appraisal.
Product: Vehicle loan or lease

In XX/XX/2017 I paid off my XXXX XXXX XXXX XXXX XXXX XXXX, license plate XXXX, VIN # XXXX. Chase Auto finance has failed to release the lien after 3 requests. The State of California Department of Motor Vehicle is requesting a certified copy of the lien release in order to issue title and still shows Chase as a lease holder. I have contacted Chase 3 times and provided this information. Each time I was told they would notify DMV electronically and a certified lien release wouldnt be necessary. After 3 failed attempts to DMV, Chase is still the lien holder and will not issue me title with our a certified hard copy of a lien release from Chase.
Product: Credit card or prepaid card

some time on or about 2016 American express review my account base on the fact that the score had drop. this is American we do not base customer on a score factor. we as American base people paid performer. so American express drop my credit to XXXX unit I could proven that I could pay my bill on time. so to day we got our income tax retune for our income tax to be payXXXX so my husband just pay it. on a card with a credit line and not think I just used my credit line up and it going drop my score aboutXXXX point so my husband ask me to contact American express and request XXXX increase not think that the score would be low. but I knew that American have my liquid asset on file and my personal finance statement in my file base on a score from XXXX last year. I have never missed any payment any late payment on any of my account. and that we just went through this last year after a score review by American express and we has to fax over our finance record the ref :XXXX USD the agent that was process the request never look at record on file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX had been re-inserted into my Experian credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance XXXX has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
Product: Debt collection

XXXX certified debt verification letter sent to Quality Asset Recovery. 

As of XXXX, I have not heard from them regarding the debt verification but they are still attempting to collect on the debt. Even listed it as two separate debts on XXXX.
Product: Credit card or prepaid card

My account was closed after informing the bank about my hardship. Monthly payments were way too much.
Product: Debt collection

Viewed this item on my credit report and investigated further. This debt is not mine and is being identified as debt by identity theft or on wrong consumer report. Debt Recovery Solutions is. debt collector. Account Ref # XXXX, Client Account # XXXX, Date ofXXXX XXXX, XXXX  is showing on my credit report. Original date shows as XXXXXXXX XXXX  for the amount of {$1900.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations by PORTFOLIO RECOV ASSOC. Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against PORTFOLIO RECOV ASSOC . for alleged debt purportedly owed to PORTFOLIO RECOV ASSOC., with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, PORTFOLIO RECOV ASSOC. has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with PORTFOLIO RECOV ASSOC. before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, PORTFOLIO RECOV ASSOC. has violated these regulations. 

Furthermore, I believe that PORTFOLIO RECOV ASSOC. has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against PORTFOLIO RECOV ASSOC. for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Product: Debt collection

On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from SANTANDER CONSUMER USA INC has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT. XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

Several requests for XXXX validation were submitted with the last request being on XX/XX/year> via certified mail. To date, there has been no response.
Product: Credit reporting or other personal consumer reports

The company has accessed and misused personal information and attempted to collect a debt. According to the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry ) Trident Asset Management is not licensed in the state of Texas as a valid entity. Therefore, In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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.
Product: Credit reporting or other personal consumer reports

You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have XXXX late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX auto loan All months on time See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for Exeter Finance. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on XXXX. Please see the attached credit reporting and letters submitted to the credit bureau 's.
Product: Credit reporting or other personal consumer reports

1. Difficult to upload documents without a certain format 2. Two items reported of the same company ( positive and negative 3. Difficult to distinguish a phone number to speak to someone on the phone 4. XXXX has updated my student loan account paid but the XXXX  account is still present. XXXXXXXX XXXX XXXX which is now XXXX has reported inaccurate dates on my account account opened may 0f XX/XX/XXXX only showing dates of XXXX 6. Difficult to update personal information
Product: Student loan

I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.
Product: Credit reporting or other personal consumer reports

This inaccurate Bankruptcy appeared on my credit report. Please review all the documents I've sent in regards to this!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Checking or savings account

Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : XXXX : XXXX Equifax : XXXX XXXX  : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.
Product: Mortgage

This is a follow up to three prior complaints submitted against this company. I am under a 12 month repayment plan. I have one final payment to make and then I am expected to make a $ XXXX balloon payment. A loan modification was provided as an option when I began this repayment plan. I have applied for this loan modification twice, and was denied, without explanation. The customer service representative, XXXX, was clear that the investor has provided no reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are XXXX accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX  # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information.

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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. 


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 possibly incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 card

On XX/XX/year> I had my entire wallet stolen from me. It was stolen out of my vehicle when I went to help a friend do some work on his house. The person/persons who stole it spent {$4.00}, and then {$100.00} at a store billed as XXXX XXXXXXXX, in XXXX, PA. They also tried to spend roughly {$130.00} and the card was declined, and I had the card shut down shortly after that when I realized it was gone, and a dispute was filed. The company, First Progress Bank, denied My dispute, claiming the store was XXXX miles from My residence and the merchant said it was a manual transaction, that was the explanation I got on why it was denied. They told me after I contacted them, I was supposed to now contact the police to contact the merchant and they should have video evidence of the transaction. The police in XXXX do not even come when they are called most of the time, let alone go and investigate a crime like fraud. They will not over turn it and told me I need to basically prove that it wasn't me who spent the money.