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

According to my credit reports, in XXXX 2016 Portfolio Recovery purchased an account from XXXX XXXX showing {$380.00} as due. P.R.A. began reporting to the various credit bureaus some time after. For some reason, however, they are reporting the account to the bureaus with different account numbers. P.R.A. is reporting it to XXXX as account number " XXXX- XXXX '' and to XXXX and XXXX as account number XXXX. 

I get that P.R.A. is a debt buyer, and is not a credit bureau and simply makes reports to credit reporting agencies on the accounts it buys. However, the credit reporting agencies reflect the information that P.R.A. reports to it ; XXXX does n't simply make up an account number itself. It shows whatever account number P.R.A. reports. Because P.R.A. is reporting different account numbers to different bureaus, that means when someone runs a multi-bureau combined report where on me ( which happened recently ), where information from XXXX, XXXX  and XXXX XXXX is merged into a composite report, then the {$380.00} shows twice, for a total of {$760.00}. 

I have attempted to rectify this by disputing the accounts, but Portfolio verifies them as accurate and continues to leave its information unchanged. Am I to assume from this that the error is intentional?
Product: Debt collection

Reported Inaccurate items on credit report. I have disputed items several times and asked for verification.
Product: Debt collection

XXXX XXXX - Portfolio Recovery Associates, Lic, XXXXXXXX XXXX # 1 It's illegal for a collection agency to buy your debt and come after you for it. 
You didn't consent to that. 
And they are harassing you. 
Pursuant To 15 USC 1692 # 2 Inaccurate Reporting They Have reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
# 3 Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. 
This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part. 
# 4 nothing without my permission belongs on my consumer report # 5 consumer law 15 usc 1692c this law states if you don't have community with the debt collector and they can't provide your signature for the debt and if they have misinformation on you then that debt should be deleted from your credit report this is your consumer rights
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to Experian informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. XXXX was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. Experian failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. Experian did not indicate what steps it took to verify accuracy or fairness nor did Experian provide me with any documentation from either XXXX or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and XXXX are fraudulently attempting to collect a debt not owed. Experian is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX aka XXXX  account # XXXX XXXX XXXX Bank XXXX acct # XXXX XXXX XXXX  account # xxx 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had a XXXX XXXX card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.
Product: Debt collection

Someone at a cellular mobile store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, i owe no debt. Experian violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Experian also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX  XXXX ( LATE PAYMENT ), XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ), XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want those late payments to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Appeal Reason t Navy Federal Credit Union : XXXX ) The charge {$88.00} was for a hotel stay that was not utilized due to the fact that the date of the stay was incorrect AND the number that was given to correct the issue was no good. The phone would just ring and then disconnect. 

XXXX ) What documentation could I provide other than a charge was made that had incorrect dates and the XXXX XXXX number that I was given would ring and disconnect. I never stayed at the hotel as the date was incorrect and with no callback number to rectify the issue. 

XXXX ) I will also be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this incident due to the above facts stated and I believe NFCU did not investigate thoroughly.
Product: Credit card or prepaid card

Unbeknownst to me I had 2 Macy 's credit cards. I thought I only had one and I was paying the card off on time through the Macy 's website; but somehow, a second card got charged in my name and I had late fees ( of {$3.00} not very high ). I have never had a late fee or late payment on my Macy 's card and did not quite understand how I had 2 different ones but I had indeed made those purchases they claimed. I paid the charge and closed all my Macy 's credit cards on XX/XX/2023. Macy 's conveniently found a way to charge interest on the late fee of one of the closed credit cards ; I called again in XXXX and made sure that they remove all of these charges and REALLY closed the cards this time. On XX/XX/2023, I received a letter from Macy 's saying I owed {$0.00} on my card from interest fees. I once again called Macy 's and they claim they have a charge on my card from a Credit Service company in May, after the card was closed. I have again called for closure of the account and removal of the charge but doubt they are taking this issue at all seriously and fear they will continue to give sub-par customer service and eventually affect my credit score and report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE XXXX  XXXX ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, EXPERIAN, XXXX & XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.
Product: Debt collection

They have called my work number which is not allowed repeatedly. They never leave a message but my employer does not allow outside calls.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX  Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from credit plus with a response from XXXX XXXX XXXX XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX/PROSPER on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX PROSPER Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A and Exhibit B is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX PROSPER also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my credit accounts XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX/XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late. 
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.

Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.
Product: Mortgage

I am a current homeowner, who closed on my first home XX/XX/XXXX. I was excited. However, in XX/XX/XXXX, I lost my job and was crushed! Since then I have struggled to make payments. I have been in contact with the servicer which is XXXX. However, they have not told me of any assistance to prevent my foreclosure from happening! In addition I have applied for THAF program. However, I am not able to get answer there either on approved status and it's been 30 days already. Can someone please assist me in getting an answer on if I have been approved for assistance and if there is something my servicer can actually do to help me please?
Product: Credit reporting

I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.
Product: Mortgage

After a period of financial difficulty, I received an offer from Wells Fargo for a loan modification to bring the account current and to lower the monthly payment. I needed to make a payment by the end of each month ( XXXX, XXXX and XXXX XXXX XXXX to qualify. To assure the payments were received by the last day of the month, I utilized XXXX 2-Day service. Apparently, the XXXX delivered the Priority Mail package with my XXXX payment XXXX weeks late! I did not know that this occurred until I received a letter XXXX from Wells Fargo stating the XXXX payment had not been received and that I was ousted from the Loan Modification plan. On the same day that letter was received from Wells Fargo, I received a letter from their attorney. I promptly replied to Wells Fargo and supplied documentation from XXXX showing the package was supposed to be delivered on XX/XX/XXXX, but did not arrive until XX/XX/XXXX! With that reply and documentation, I also included another payment for XX/XX/XXXX I believed that once Wells Fargo reviewed the documentation and saw that I attempted to make the XXXX payment on time and that XXXX mishandled the package, I would be placed back into the Loan Modification program. Unfortunately, today I received a letter returning the XXXX payment. I acted in good faith to make the trial payments as required. I believe that Wells Fargo should act in good faith, given the documentation and proof provided them, to continue the loan modification as originally offered.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was hocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it. I never had contracts or agreements with this company, I never sign anything.