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

I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 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 has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. Transunion, XXXX and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Student loan

I am in a horrible limbo with my student loans and my financial life. I am in default and there is no way of getting out of default beyond paying everything off. Original loan amount was XXXX and because of fees the amount was over XXXX last year. Last year I paid over XXXX and currently being forced to pay money every 24 days. I have been with my wife for 27 years, have a family of XXXX. No matter what I do the debt / fees continue to grow and I ca n't get on top of them. We lost our home in XX/XX/2008, we have had vehicle repossession and my tax refunds are garnished. 
I have no way to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an email from XXXX XXXX, an executive office case specialist at XXXX XXXX XXXX XXXX on XX/XX/XXXX following my concerns about two checks I recently received via mail from Wells Fargo in the amount of {$27.00} and {$26.00} on XX/XX/XXXX and XX/XX/XXXX. I filed a complaint with Wells Fargo and assigned XXXX XXXX to my case. My concerns were I was unsure of why I received multiple checks and if the checks were in fact valid and official Wells Fargo checks. XXXX stated in the email that XXXX XXXX XXXX XXXX would be sending me an addition check in the amount of {$50.00} for Customer Appreciation. Few days past and I receive a letter from Wells Fargo Bank N.A and inside is enclosed a {$50.00} check and the " For '' line on the check states that this check is for " Closed Deposit Account ''. Im curious to know if this is in fact the same check that XXXX was referring to or is this something different? I have attempted to reach XXXX and his chain of command but have been giving no concrete answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Debt collection

This is the second complaint to the CFPB about Portfolio Recovery Associates. 

This first complaint being in XX/XX/2023. Everything about that complaint still stands. They said they would stop contacting me, they sent me a letter with settlement options. 

They have not provided a proof of purchase agreement for said debt. The validation letter that they say was documented proof, was not sufficient, because it did not contain my WET signature as proof that said debt could be sold/acquired by them. 

They also have not been removed from my credit/consumer reports and it is negatively affecting how I can move forward financially. 

My credit reports are also inaccurate, saying different things throughout and nothing is matching except that its all inaccurate. How can an account be open and closed at the same time? 

Knowing that Portfolio Recovery Associates had a lawsuit on them that they lost in 2023 ( around the same time as my first CFPB Complaint ) for the same reasons that XXXX complaining of and I did not get compensated through, is another consumer injustice from them towards me. 

Being that after many disputes and complaints the debt still can not be properly and timely verified, solidifies and proves my stand on the debt to be completely and permanently REMOVED from my accounts, reports and bureaus. 

Included with this complaint is a screenshot of some of the inaccuracies and a picture of the settlement letter they sent after being told and notified that I would no longer be contacted.
Product: Credit card or prepaid card

on XX/XX/XXXX, I tried to make a purchase using my cash app card and my card was declined. I contacted cash app support to find out why my card was declined and while I was on the phone with cash app support they removed {$2100.00} from my cash app account and money from my personal bank account that was attached to the cash app card.
Product: Debt collection

My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Transunion has failed to report my account with XXXX XXXX. XXXX and XXXX are reporting the account, but Transunion is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened an account with 53rd bank in XXXX Kentucky. This was an IRA direct transfer from another bank. I put it into a CD which was to mature in 2.5 years. I signed paperwork and got a receipt saying I had opened a CD/IRA. When the CD matured at 53rd I went to roll the CD/IRA over to another bank and to my horror discovered that 53rd bank had not coded my IRA correctly when they received it as a direct transfer from the first bank 2.5 years ago. My money had been sitting in a regular savings account for the last 2.5 years unbeknownst to me. I didn't know what to do so I took the money and deposited it at another bank in a regular savings account since I know you only have 60 days to roll over an IRA and it had been 2.5 years thanks to 53rd bank. 

Now I am looking at a big tax bill and penalties due to 53rd bank 's mistake. I asked them to help me write a letter to the IRS to explain their error but they refused to help me even though they admitted it was their mistake. Instead, they wanted me to sign something saying that I wouldn't sue them. 

I called them a few times but they do not ever call me back. 

I am going to take a big financial hit due to their mistake ( admitted to me by them ) but they refused to take any responsibility. 

I don't know what to do. Please help.
Product: Mortgage

I have been trying to get approval on a loan modification from Citizens loss mitigation since 2021. I have applied and been rejected and then appealed and then rejected, and have applied again in the past few months. They keep asking me for documents that I have already provided, or keep requesting for new pay stubs or asking for consecutive pay stubs even though I already told them repeatedly I do not have consecutive pay stubs. The result is that my application timeline runs out and they reject my application, moving me closer to foreclosure. I can not take it anymore. It is not only unprofessional, but grossly incompetent.
Product: Debt collection

I received another collections notice on my credit report for the same account for {$290.00} under the same Client Name " XXXX XXXX '' though it was sold from company Merchantile to a company called XXXX. XXXX, XXXX. I have already made XXXX, Merchantile, and Credit Bureaus aware of this situation and the collection was previously removed. I even previously disputed with CFPB for this same account but again the account was sold to another company. This is related to CFPB complaint # : XXXX. This is not my account, I never allow anyone to use my personal information for this account. I was completely unaware the account/situation until it showed on my credit report for collections. Please remove the collections from my report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report.

I have included documentation supporting this request, including a
police report and/or an FTC Identity Theft Report.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$340.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$24000.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$400.00} XXXX. XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$1100.00} Fraudulent Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

They typed some charges on paper that are fraudulent. They keep calling me threatening legal action and they cant prove this debt is mine or real. Its not my bill. They literally made up a fake bill and debt I dont owe. They said my insurance covered part of it. I was not working then and had no insurance so once again its lies and fraud

. Im tired of being threatened on the phone of lawsuit and cops etc. especially when they made some bill up I dont owe. No coercive reporting Some debt collectors illegally use coercive credit reporting to get people to pay
for debts they dont owe. If those fraudulent debts arent paid, the information can damage your credit. But the CFPB has started cracking down on coercive reporting in medical debt collection. 

Debt collectors are also prohibited from using deceptive tactics to get you to pay. For example, they can not : Claim to be someone theyre not, such as a government representative or attorney Falsify how much you owe or the status of the debt Claim youve committed a crime by not paying Say they are calling from a credit bureau If you believe a debt collector is using coercive reporting or other deceptive tactics to collect money, you can submit a complaint to the CFPB online or by calling XXXX. You can also report them to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.
Product: Debt collection

On XX/XX/year> I received documents for arbitration from Velocity investments LLC dated for XX/XX/year>. They are claiming that I owe XXXX on a loan that they purchased that was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX / ... XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX with XXXX XXXX XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX XXXX XXXXXXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, Experian report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance
Product: Credit reporting

This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again about the violation of rights under Federal law against XXXX, Transuinion and XXXX. If these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX/Bridgecrest, which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I have three accounts that doest belong to me and it states they are able to verify my social, date of birth and address. I need proof from these creditors that these account belong to me besides the three things i mention above I spoke with XXXX and this what information they provided XXXX XXXX  open XX/XX/XXXX, XXXX XXXX  : XXXX balance open : XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} : open XX/XX/year> XXXX XXXX : {$390.00}
Product: Checking or savings account

I opened checking and savings accounts with Navy Federal Credit Union XX/XX/2023. A few days after, I was informed by NFCU that XXXX XXXX XXXX alerted NFCU with regards to old XXXX XXXX XXXX account ending in XXXX. The XXXX XXXXXXXX XXXX checking account has a XXXX balance but was reported to XXXX XXXX XXXX for " Suspected Fraud Activity ''. 

It is this " Suspected Fraud Activity is why I have filed several complaints against XXXX XXXX XXXX for the " Suspected Fraud Activity '' for which there was no evidence of any fraudulent transactions. 

Bank XXXX XXXX 's response on XX/XX/2023, specifically notes that after careful review, there were no fraudulent transactions reported to Bank XXXX XXXX with regards to account ending in XXXX. This response is attached to this complaint. 

There is no legal or evidentiary reason for XXXX XXXXXXXX XXXX to use " Suspected Fraud Activity '' other than to cause harm to consumer.