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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$4600.00} - PLEASE DELETE! 
XXXX XXXX XXXX XXXX - {$500.00} - PLEASE DELETE! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a new account from XXXX which has always been satisfactory and Equifax dropped my score XXXX points.. That is not legal to drop a person score XXXX for one new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX XXXX to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED PORTFOLIO RECOVERY ASSOCIATES LLC LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind PORTFOLIO RECOVERY ASSOCIATES of the laws and protections for American citizens like myself. XXXX not going to pay XXXX debts that ARE NOT MINE. 

Maybe PORTFOLIO RECOVERY associates dont understand rules? 


ACCOUNTS IN QUESTION ARE XXXX COLLECTION accounts Owned by Portfolio bought from XXXX XXXX is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

I asked for a quote on lights from, XXXX XXXX, of XXXX. On XXXX XXXX I received quotes from XXXX XXXX for the lights ( {$6700.00} ) and light stands ( {$1100.00} ). I was told that there " may '' also be a shipping charge and that if so " XXXX '' would review that with me. I approved the XXXX quotes and authorized those charges to my credit card. 
I was never provided a quote for shipping. XXXX did not review any shipping charges with me or seek authorization for any shipping charges. On XXXX XXXX an unauthorized charge for {$590.00} was made to my credit card. 
I disputed this charge with Bank of America by phone and mail. I received a response from Bank of America that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge. 
On XXXX XXXX, 2015 I called Bank of America at XXXX and explained the details to the representative. She told me that because I had authorized a charge for the lights that the additional {$590.00} unauthorized charge could not be disputed. 
I am writing to ask that the {$590.00} which was not authorized be credited back to me.
Product: Debt collection

XXXX XXXX SAID I OWED {$630.00} FOR A DENTAL BILL, BUT I FOUND AN ACTUAL BILL THAT SHOWS AN INSURANCE AMOUNT OF {$630.00} DUE FOR PAYMENT BY THE INSURANCE COMPANY. 
XXXX XXXX INFLATED THE AMOUNT OF {$630.00} TO {$770.00}.
Product: Debt collection

I have been contacted repeatedly by the company, Asset Recovery Services. They have informed me that if I do not pay the debt that they claim I owe then civil lawsuit action will take place.They claim that this debt is over seven years old and when I inform them that they can not legally sue me for this debt they become increasingly agitated and unprofessional. They have claimed that they will come to my place of business but have not stated their intentions for that. I have requested that all communication be in writing and to no longer call me and they have refused this request. I have attached an email, the only thing in writing that I have received so far. In this email our discussion is referenced and the term settlement is used. At no time did I admit to ownership of the debt nor did I agree to pay any amount.
Product: Debt collection

I AM FILING THIS COMPLAINT TO REMOVE INACCURACIES FROM MY CREDIT REPORT WITH EQUIFAX.
Product: Credit reporting, credit repair services, 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. 
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 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 card

I thought this had been settled until I received notice on XX/XX/XXXX that the disputed charges were credited to my account once again. There have been so many adjustments on the account it is difficult to understand exactly to which charges this recent notice relates. This is a single notice saying {$190.00} was put back on my account and there were XXXX charges of {$190.00} put back on my account. I have called Bank of America several times and faxed documents 5 times. I have confirmation the faxes were complete Bank of America does not acknowledge receipt. XXXXXXXX XXXX XXXX contends that I agreed to a monthly subscription, I did not- I agreed to purchase XXXX sessions at {$190.00}. No one has produced a signed document for a subscription and I have tried to supply a text trail to support my understanding of the purchase. I started the dispute on XX/XX/XXXX, received notice that the claim was complete and credit was permanent on XX/XX/XXXX, XXXX more complete notices on XX/XX/XXXX and then on XX/XX/XXXX the charges were back on my account. In my last conversation with a representative on XX/XX/XXXX, he suggested I fax the information again to XXXX fax numbers. XXXX XXXX. I called again today my choice is hold for an hour or wait for a call back. File I faxed is attached. 

I continue to dispute the following charges of {$190.00} each ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transaction date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction date : XX/XX/year> ref XXXX As stated previously, see my letter dated XX/XX/XXXX, page number these charges are not valid I agreed to and am willing to pay for the package of XXXX sessions charged on XX/XX/XXXX ref XXXX only. 
I was not told I was signing up for a recurring membership or subscription. Please see text trail page numbers As soon as my card was charged a second time, I reached out to the person who sold me the package and his response was your cancellation should have went through Ill ask one of our managers to look into it and make sure you get a refund.

I made several calls to the manager, I also called the merchant number listed on the transaction XXXX never got a human, a recorded message said I needed to contact my local club. 

During the dispute process my card was charged again on XX/XX/XXXX. This charge makes no sense at all in that it does not follow their story of a subscription and I have not set foot that facility since XX/XX/year>. 

I appreciate the copy of the Cancellation Policy included with the denial of my dispute; please note that this is not a signed document, this is not proof that I was informed. This is not information I would have accepted had it been disclosed. 

Thank you for your assistance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my discharged bankruptcy papers dated XX/XX/XXXX. After a few months, I noticed that one of my creditors ( XXXX XXXX XXXX ) was still reporting a balance of {$5900.00}, and showed the account in collection. Immediately, I contacted the credit bureaus to put in disputes. By XXXX of XXXX, XXXX and XXXX had reported this account correctly. However, the Experian report still showed a balance. I decided to send XXXX a letter showing proof of the discharged bankruptcy and a copy of my credit report, which showed the {$5900.00} balance. After 30 days no response was received, so I decided to put in another dispute with Experian. Experian continued to state that it was the creditor 's responsibility to report accurate information. In XXXX of XXXX, I decided to work with a credit repair agency to hopefully help me resolve this issue. To no avail, the balance was still being reported on Experian. In XX/XX/XXXX, I then decided to put in a complaint with the New York State Department of Financial Services. But, in the meantime, I filed another dispute with Experian ; to date, this is 8 disputes. And, additionally, I sent XXXX another letter with a copy of my credit report showing that it's now 180 days past due, in the collection ( CO ), and a balance of {$5900.00}. On XX/XX/XXXX, I received a copy from the NYSDFS examiner stating that XXXX responded with a statement indicating they have reported accurate information under FCRA. I'm now lead to believe that Experian is at the fault for not correcting the information on my report. I've attached proof of the letters from NYSDFS and XXXX, along with a copy of my discharged bankruptcy,
Product: Mortgage

I applied and received funds from XXXX. My mortgage was paid through XX/XX/XXXX with these Gov. funds. The monies were received by midland mortgage on XX/XX/XXXX and held in unapplied funds where it still is now. I am still showing as delinquent and the company has no response when I call. They do this every month. My whole mortgage is suspect and they dont produce accurate records which prevents the consumer from being able to see what they are doing with the payments.
Product: Debt collection

On XX/XX/XXXX, I received eight alerts from different sources informing me that there had been a change to my credit report. I logged in to find that there was an erroneous collection account from Ability Recovery Service for an alleged ambulance service with XXXX XXXX XXXX dating back to XX/XX/2019. I contacted the collection company and they would not provide me with any information as to where I was supposedly picked up from or where I was supposedly transported to. I spoke with an attorney and as was advised that this information is not a violation of HIPAA even though the collection agency said that it was. I called the ambulance company directly and they said that they dont have records dating that far back. This negative information has been placed on my credit in the amount of {$1000.00}, and I have never received a bill from either company or a phone call from either company and I find this extremely suspicious and want this information investigated immediately. I spoke with a supervisor at the collection agency and when I mentioned that I would be involving an attorney, he became very defensive and said that he was going to end the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : EXPERIAN/XXXX XXXX XXXX XXXX XXXX & XXXX / XXXX XXXX XXXX Hello I am XXXX XXXX. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed and received by XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/scrub> 2024, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of 2024 as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file.

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX 
{$4900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$5600.00} XX/XX/XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Mortgage

We submitted a Request for Mortgage Assistance to Chase on XX/XX/18. We are NOT in default. However, we were forced to pay this month 's mortgage payment after the 15 day grace period and logged in to our Chase account to find the ability to pay online had been revoked. When I called to ask why, I was told this is their company policy to force people to call in once they've requested assistance. While I understand the importance of maintaining an open line of communication when attempting to work out some sort of mortgage assistance, it seems to me to be counter productive and also creating an undue hardship in one 's attempt to pay their mortgage payment. Purposely throwing up a roadblock to that end makes it seem as if Chase wants its customers to go into default because at times, like in my situation of XXXX small children and both me and my husband often too busy to pick up a phone to call in a payment, it is an actual hardship to revoke online payment access. Thank you.
Product: Credit reporting or other personal consumer reports

Over the past several months I have been going back and forth with XXXX in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX  because of this situation. XXXX has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This should be against my HIPPA rights! 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX. Transunion and XXXX CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again this disputed account is inaccurate. But Transuion and XXXX CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXXXXXX 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 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.