23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt does not belong to me and I have no knowledge of this collection. I never signed an agreement with this company for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates Vintage XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. CONSUMER PORTFOLIO SERVICES INC. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to CPS the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission XXXX Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops XXXX this month and XXXX points last month because of late payment made by my wife whereas her score drop XXXX to XXXX points on XXXX  because of C.P.S.. When i spoke with Consumer Portifolio while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Product: Credit reporting or other personal consumer reports

My mortgage with XXXXXXXX XXXX was offered to be in their forbearance plan due to COVID-related issues. When the forbearance ended in XXXX, XXXX, I was put on a repayment plan to pay back the funds accrued during the COVID forbearance period. I was told the entire time that my credit wouldn't be adversely affected. During my most recent credit report alert, I noticed a significant drop in my credit score and it was attributed to 4 months of delinquent mortgage payments reported by XXXX XXXX. I have made on-time payments since XX/XX/year> until now and when I reached out to XXXX XXXX , they stated there was no credit reporting protection during the COVID forbearance period and if I'm in a repayment plan paying on time. When I requested what agreement in writing that on-time repayment of mortgage out of forbearance can be reported as delinquent to the credit bureaus to confirm what I was being told, I was told no.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint about my initial attempt to remove inaccurate items from my credit file. The presence of these inaccuracies negatively impacts my financial standing and creditworthiness, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate entries that do not accurately reflect my financial activities. My initial dispute was submitted with supporting documentation to validate the inaccuracies. However, despite my efforts, these inaccurate items persist on my credit report.

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to correct the inaccuracies by removing the items from my credit file immediately.

Ensure that no further negative impacts occur on my credit report due to these inaccurate entries.

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these inaccurate items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue deals with a recent large drop in my Experian report that I didn't think made sense, but any attempt to reach out to them to get my questions answered were responded with non-answers and phrases like " credit scores are calculated using data in your credit reports ''. 

On XXXX, XXXX I had a credit score of XXXX. I missed a student loan payments, mostly because of the student loan forgiveness stuff that was going on. Regardless of the reason on XX/XX/XXXX, it dropped to XXXX, then XXXX on XX/XX/XXXX, then at it's lowest XXXX XX/XX/XXXX. My student loan company called me, I paid the debt in full that month. That one missed payment in XXXX dropped my score XXXX points in 40 days. I had been at a very good or exceptional score for 5 years, one missed payment dropped my credit score 34 % [ the math XXXX ( XXXX ) ]. That doesn't seem fair. I paid off everything and my score only increased XXXX points to XXXX and its stayed there since. 

Experian shows how different " ingredients '' are used to determine a credit score. I took my current ratings ( excellent, very good, fair ) for each category and used the lowest score for each rank, and ran a weighted average ( see the attached email ), using the numbers they provided, I got a score of XXXX, so either the information they provide. I just want some transparency in how the scores are calculated, and Experian refuses to explain the discrepancy between their numbers and my math.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Debt Validation and Original Assignment of Contract Dear Portfolio Recovery, I am writing in response to your recent communication regarding the alleged debt referenced under account number XXXX, which you claim I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Not to mention according to FCRA Section 605B, it is illegal to report anything on my credit without my permission. 

In accordance with my rights under the FDCPA, I request that you provide : XXXX. **The original creditor 's name and address. ** XXXX. **A detailed itemization of the debt, including the original balance, any payments made, and all interest or fees applied. ** XXXX. **Proof that you have the legal right to collect this debt, including the original assignment or sale of contract from the original creditor to your agency. ** XXXX. **Any relevant agreements or contracts I allegedly signed that create this debt. ** XXXX. **A copy of the original promissory note or contract I signed. ** Please also cease any and all collection activities, including reporting this account to the credit reporting agencies, until this debt has been properly validated as required by law. 

Failure to provide sufficient validation or to cease collection activities pending validation will constitute a violation of the Fair Debt Collection Practices Act and may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of GA. I have included the CFPB dept. by CC in this email in an effort to timely validate my reports. I will be printing and mailing a copy to the FTC at address XXXX XXXX XXXX, XXXX, Washington , DC. XXXX and reporting to the reportfraud.ftc.gov should this not be handled in a timely manner. 

Response : PRACustomerCare XXXX Wed, XX/XX/XXXX, XXXX to me Thank you for contacting Portfolio Recovery Associates , LLC ( " PRA '' ) Digital Operations. 

I do understand your concerns, However, PRA Digital Operations is currently unable to directly assist you with your validation request. For further assistance regarding the specifics of this matter, please contact PRA directly at XXXX. 
Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the following consumer statement immediately deleted from my XXXX XXXX, XXXX and Equifax credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my XXXX  report that are not mine, 9 incorrect addresses on my Equifax Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. XXXX  and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.
Product: Money transfer, virtual currency, or money service

( XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, FTC XXXX, FTC XXXX ) COMPLAINTANT has used Venmo service without problem in the past with two different bank accounts. Around XXXX, COMPLAINTANT has voluntarily terminated his account. In/About XXXX and on XXXX, Venmo staffs indicated that bank statements were needed to reactivate those bank accounts under his accounts. However, for new accounts, bank statements were not necessary to verify account ownership. COMPLAINTANT has traveled or visited various places with wi-fi hotspots where he is certain that other parties were using Venmo at the time as well as exchanging payments. On XXXX, Venmo has suddenly froze/locked COMPLAINTANTs account to require a photo ID upload. Upon upload ( XXXX ), Venmo went further to require bank statements on all his bank accounts ( XXXX ) related to the Venmo account, contradicting their earlier statements on XXXX that bank statements are only needed when re-activating or migrating from previous accounts to newer accounts. When COMPLAINTANT has questioned whether there was valid reason to place a restriction, Venmo has suspended/revoked his account. On XXXX, Venmo has sent a final Venmo statement that lists all transactions. Interestingly, Venmo has sent an updated statement on XXXX upon being confronted by COMPLAINTANT for sending incomplete information. ( Not to mention that Venmo needed COMPLAINTANTs help for navigating around its own system ). COMPLAINTANT is baffled that PayPal is overlooking whatever security flaw that Venmo to have allowed COMPLAINTANT on its platform as Venmo employees kept recommending PayPal to COMPLAINTANT for transfers instead. On XXXX, COMPLAINTANT has verified with the Venmo representative that the account was to be operational after adding debit card information. To add to the mystery, on XXXX, a phone number that was never used with Venmo was rejected as invalid number upon enrollment. On XXXX, XXXX with Venmo has claims that COMPLAINTANT is too much of a high risk to be allowed on Venmo platform. Citing that previous use of his bank accounts on the platform was problematic, not to mention that ( 1 ) previous account/s were closed voluntarily without issue and ( 2 ) XXXX call indicates that no problem was found by Venmo representatives on COMPLAINTANT 's account as well as insisting that addition of debit card would fix any remaining issue. Venmo staffs are seen disguising their request for bank statements with the use of taking on unnecessary role of enhancing banking security. COMPLAINTANT recalls no action taken on his part to cause this problem, but that Venmo has unilaterally started this unfounded act and later on accuse COMPLAINTANT for being unreasonable.
Product: Credit card

In XXXX, a thief opened a fraudulent MACYS/DSNB account ( XXXX ) in my name. I identified the issue on XX/XX/XXXX, by running a credit check on myself and noticing a credit inquiry from MACYS/XXXX, and then calling Macy 's directly to confirm an account was opened. Upon speaking to a representative in Macy 's fraud department, I notified them the account was opened fraudulently. The representative indicated that the account would be marked as fraud. A Police Report with the XXXX Police ( XXXX ) was filed, in addition to an FTC Identify Theft Report ( XXXX ). 

On XX/XX/XXXX, Macys sent me a letter thanking me for my inquiry, and asked to complete an identity theft form, in addition to providing one form of identification. The form was completed and supporting information provided immediately. 

On XX/XX/XXXX, MACYS/DSNB notified Credit Reporting Agencies that I was delinquent on payments associated to my account. These delinquent payment statements are now showing up on at least XXXX ( XXXX ) of the XXXX CRA reports. In accordance to the Federal Trade Commission 's " Notice to Furnisher of Information : Obligations of Furnishers under the FCRA '', when MACYS/DSBN receives information like this with an Identify Theft Report, it must stop reporting inaccurate and/or fraudulent debts to CRAs. It is also the duty of the furnisher of information to correct and update information. 

Upon speaking to a supervisor ( XXXX, Employee ID XXXX ) within Macy 's Fraud Department on XX/XX/XXXX, Macy 's has internally marked the account as fraudulent, but not formally closed the investigation. The employee indicated it will take up to 90 days for Macys to close the investigation. This employee also told me that reporting information to the CRAs was following their standard procedures and was unable to help me at this time. 
In summary, MACYS/DSNB is negatively impacting my standing with CRAs. They are also out of compliance with the responsibilities defined in the FTC 's Notice to Furnishers of Information in the following ways : - Providing CRAs inaccurate information after consumer notified them of identity theft - Not completing an investigation within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.