23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First PORTFOLIO RECOVERY ASSOCIATES LLC has violated 15 U.S. Code 1692c. As demanded in the complaint ( XXXX ) a cease and desist was sent demanded through the complaint. PRA has violated this by sending another letter to me on another alleged account. A Cease and Desist were sent to " PORTFOLIO RECOVERY ASSOCIATES LLC '' as this applies to PRA whole company. My federal rights have been violated. Second as 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given PRA consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. PRA is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. PRA is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. PRA needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in Black Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. PRA shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. I expect there will be no further efforts from PRA to collect on this allegedly incorrectly owed debt. If PRA fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made. If PRA does not comply with what's demanded and asked for within this complaint I will receive legal counsel and PRA will be held accountable to 15 U.S. Code 1692k. Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public reporting with XXXX  and Equifax which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to XXXX  and Equifax for them to review and update my file and delete their public reporting to match XXXX XXXX. XXXX  and Equifax refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 XXXX   responded to my dispute with no investigation XX/XX/2020 and Equifax response is dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately.
Product: Checking or savings account

My free eChecking Bank of America account was converted to regular checking account without my permission. And when I tried to login into my account after while I found out that my account was force closed because they had taken all the money in maintenance fees and there was no money left. 
This is a plain robbery. I was sent no written communications and any phone calls informing me of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine/inaccurate XXXX XXXX XXXX {$230.00} not mine
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> and XX/XX/year> received XXXX emails threatening legal action from Credit Corp Solutions regarding a debt I did not know existed, and my XXXX account is closed. No phone calls, voicemails, texts, letters, or any other communications received identifying themselves or attempt to collect debt prior to these threats of litigation. I was enrolled in a debt consolidation program thru XXXX XXXX XXXX prior to receiving these emails from Credit Corps Solutions. 

Regarding debt in question - From Credit Corp Solutions : Our reference : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Original Account : XXXX ( please redact if published ) Current Creditor : Credit Corp Solutions Inc . 
XXXX XXXX : {$2800.00}
Product: Credit reporting or other personal consumer reports

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excessive Inquiries not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXX XXXX identity theft account Old Negative Accounts over 10 years reporting. 
Payment History not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
Product: Debt collection

On XX/XX/2018, I went to XXXX XXXX XXXX XXXX in South Carolina. I was on vacation and live in New York State. Upon arrival I noticed that I had left my insurance card at home and was unable to provide the hospital with any insurance information on that day. After providing the hospital with my insurance information my insurance company notified me that I had a duplicate account causing an error and causing the bill from the provider to not be paid. I called my insurance company some time in XX/XX/2018 to get the problem resolved. I was told that they would take care of it, the bill from the provider would be settled and that there was no further action that I needed to take. My next Health Statement provided on XX/XX/XXXX for the month of XX/XX/XXXX shows that the bill had been partially paid and that I was liable to pay the provider ( XXXX XXXX ) {$0.00}. Several months later, I received a letter in the mail from a collection agency in XXXX, South Carolina stating that XXXX XXXX XXXX Hospital had passed my bill on to them. The amount that is stated that I due is the full amount of {$2300.00}.
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. 

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. 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, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please correct and update these Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : -.
Product: Credit reporting

The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that a.. MORTGAGE CREDIT INQUIRY had been run, Without my knowledge or permission. 


Date : XX/XX/2018 XXXX, XXXX, and XXXX XXXX : XXXX XXXX XXXX Via XXXX/ XXXX XXXX XXXX XXXX. , XXXX, PA XXXX / ( XXXX ) XXXX My Name : XXXX XXXX
Product: Debt collection

I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt.
Product: Mortgage

Selene Finance information is inaccurate and holds no merit and the total amount was not {$18000.00}. The owner and holder of the loan was XXXX XXXXXXXX XXXX XXXX. This Government Agency held my loan from XX/XX/XXXX to XX/XX/XXXX which is the payoff date. Selene Finance did not own or was the holder of the loan. Attached to this complaint is the legal document that is certified and notarized as evidence, XXXX XXXXXXXX XXXX XXXX, SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION AGREEMENT. Let me reiterate that this loan was owned by a Government Agency and was not held by Selene Finance. Therefore Selene Finance can not contest a legal dcoument that has been filed with the XXXX XXXX XXXX XXXX. In XXXX, Selene Finance did not have any authority to offer any modifications because legally Selene Finance did not own the loan and there was already a modification in place though XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX.
Product: Mortgage

My current mortgage is under my name and my ex wifes name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I have been denied twice in the past 6 months as they claim I do not have the sufficient funds for the closing costs ( {$1200.00} ). That is utterly false as I have more than sufficient funds to cover the closing costs and have even offered to pay the closing costs up front. The bank still refuses to allow me to take over my own mortgage despite having provided all necessary legal and financial documentation. I have tried multiple avenues to talk to supervisors, department heads etc, no luck. I have been with this bank for 30 years, and my credit is flawless, so I am at a dead end here. The bank has qualified me for a full refi ( closing costs over {$3000.00} ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report. 

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained. 

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX  data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax Failure to fault, I have requested many times information from you, you are in fault for not replying to my request you have ten days from the time you receive these documents to reply with what I request. Equifax you state validate with no evidence on a account that ids not owned by XXXX thats { Fraud } you equifax are on notice TEN DAYS Or remove this fraud It is stated in CFPB response from legal owner to remove this account from credit report and you still report it Cfpb is being used to validate my claim against both of you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addressed TransUnion about two hard inquiries that I never authorized on my credit report. I've tried to dispute these inquiries with them for a few months now and they still continue to violate my rights by reporting them as factual. I have no idea who allowed someone to run my credit without my knowledge. I'm hoping that TransUnion starts to follow consumer laws and not their own made up laws to tarnish any consumers credit reports. The two hard inquiries are below. I want to know that my rights are more than words on a piece of paper. Thank you in advance for your attention to this matter. 
XXXX XX/XX/2018 XXXX XXXX. XX/XX/2018
Product: Credit card or prepaid card

I am a victim of identity theft and I have sent a police report but Walmart says I had this card and benefited from it because payment was made on it.i believe the thief made payments untill they got the credit limit up and then defaulted on it.i never had a Walmart card and I never made purchases on it and the payments were all made electronically.nobody has shown me the original contract.i will not pay on a fradulent account and I will keep disputing this until Walmart realizes this is fraud.i spoke with the fraud department and the lady was very understanding.this is not mine to prove it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding credit collections for XXXX XXXX XXXX   {$970.00} Please send me a detailed credit report that shows where this collections is being classified as a " medical/healthcare collections '' as is required by FCRA Section 623 ( a ) ( 9 ) which explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
I've asked for this information on 6 different occasions and you keep sending the same exact report format that does not contain this information. I'm sorry but I will NOT go off your representatives word alone that it is properly classified as a medical collections. 
Quit sending me the same report without verifying that it has the information you claim that it does!!! Either SHOW ME PROOF OR DELETE IF FROM MY RECORDS!!! I'm going to file a lawsuit if this is not remedied IMMEDIATELY. 
What are you not understanding about this request??? 
I've attached a copy of the last 4 credit reports you've mailed me that DO NOT contain evidence of its classification as your representatives assured me via RECORDED phone call it would. 
Attached : XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field ) XX/XX/XXXX Credit Report - NO PROOF OF THIS IS BEING ACCURATELY CLASSIFIED AS MEDICAL/HEALTHCARE AS OUTLINED IN THE Credit Reporting Resource Guide, via population of the Creditor Classification ( K segment field )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against American Honda Finance Corporation and Honda Financial Services due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID 19 ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, Honda reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XX/XX/ - Rocket Mortgage, claimed that my HO insurance had a lapse XXXX XXXX XXXX. I called multiple times to get this resolve because you wanted to raise the monthly mortgage payment by adding your own insurance. It literally took about a week before I was able to speak to someone. It took a month to resolve this issue. 
XX/XX/ - Now you're raising the monthly payment to {$1100.00} effective XX/XX/. 
I called XXXX XXXX. I could not get anyone on the line. I tried 4 times. I then called XXXX. I was transferred to the XXXX XXXX XXXX. I spoke with a representative for XXXX minutes and she could not explain why you are attempting to raise my monthly mortgage. I have never been late. I paid all the escrow at the time of closing. There has been no issue with the HO or Flood insurance. Now she said I owe {$150.00}. If I pay that before the end of this month, my mortgage will be only {$1100.00} .... I told her that should not be because I paid everything. She said it is probably due the the insurance issue that cause the escrow analysis to show a change in the mortgage. I requested this error to be corrected. Then she HUNG UP. This is ridiculous. XXXX has tried to raise the mortgage every month since I closed. 
Before I closed the loan EVERYONE was available, kind and very professional. Now NO ONE will assist me. I have taken my account from autopay and now I have to incur and expense for legal representation. This is simply horrible.
Product: Debt collection

Company sent me a bill for {$2400.00} that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX