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

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # 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 an account without my written instruction.

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 items 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.

I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), FactorTrust, XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/ Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.
Product: Credit reporting or other personal consumer reports

I urge you to carefully review this complaint, as it has been submitted with serious intent. My credit report contains mixed information, including accounts, transactions, and items that are entirely unrelated to me. This issue is deeply troubling and has caused significant stress and XXXX, as it directly impacts my financial standing and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. 
And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX : XXXX I Do not now nor have I ever had an account with this business,, this debt was previously listed under XXXX XXXX XXXX, it was removed and then placed back under a new name within just a few days, i believe these two companies are working together and placing items on credit files
Product: Credit card

I have two discover cards. One of my cards back in XXXX apparently had a late payment because there was a return of funds. I contacted Discover about the issue and set up a payment immediately because I was never informed that there was a late payment. Now in the month of XXXX, I have another late payment on another card with Discover. I was surprised because I make all my payments on time and the account was on Autopay. The representative told me that the payment was rejected in XXXX and then autopay took XXXX XXXX  less than due causing the payment to be late. I have never heard of Autopay taking a partial payment. She then reviewed my account stating communications had been sent to XXXX. This is my father 's phone number and I have never given discover his number, muchless to place on my account as a point of contact. My phone number has and always been XXXX, I have had this number since XXXX. The late notices were never sent to me because discover someone listed an incorrect phone number on my account and it was just removed this XXXX. I have been with Discover since XXXX and I have never had late payments. I would like the issue be resolved and my accounts be updated to on time to reflect payment on time since this was the fault of Discover. My credit is now negatively affected because of this false reporting.
Product: Credit reporting or other personal consumer reports

Summary of the Issue In XX/XX/scrub> 2024, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and XXXX reported this delinquency to the credit bureaus, causing severe damage to my credit score.

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by XXXX XXXX actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late.

3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, XXXX reporting of my loan as delinquent was inaccurate and unjustified. 
4. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the issue.
Product: Debt collection

XXXX XXXX XXXXXXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.
Product: Debt collection

Western Shamrock has been advised not to contact myself or any references listed on account by telephone. They continue to call after request to communicate via writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian online and app is hindering my credit for months and possibly years.. I bought the premium service from Experian and noticed my score to be very low. I investigated and uncovered that they are reporting that I am using 115 % of my credit. It would be impossible for anyone to use that much when 100 % is all anyone could use..in reality I'm only using 20 % of my credit ... I have 7 accounts that are perfect in payments and never have been late, yet they report that I only have one account in good standing with current bad payments on all the rest.. this seems to be the case across the board on all my 3 reporting agencies on there app and online services ... When I called Experian to complain about the problem they played phone tag with me..they continued to send me to the dispute center over and over again even after I explained that this was an app issue and online problem that needed the developers technical services they continued to play phone tag.. one employee informed me that I should speak to my bank 's financial analyst after speaking to there supervisor to resolve my problem.. My banks analyst has nothing to do with Experians app or online problems with incorrect data, glitches or malicious practices of incorrect data.. When I finally spoke with someone with half a brain, they told me they would expedite a ticket to there online and app services to correct the problem ... its been 2 weeks and the problem still exists ... during these exhausting 2 weeks of calling over and over again I never once spoke to a supervisor or someone in charge after repeatedly asking to speak to one, they just continued to blow me off of my requests and returned to playing phone tag with there dispute department ... please help me resolve this problem with this credit reporting agency as they are illegally reporting false information and playing with my life 's and my credit.
Product: Mortgage

After 5 years of spending thousands of dollars, as well as sustaining bankruptcy in efforts to save my home that is my primary residence, a company that worked on my behalf got my mortgage company, Nationstar, to agree to modify my loan, if I agreed to drop a 'QUIET TITLE ' civil suit that was pending in civil court against them as well as sign a legal statement from their attorney stating that I would no longer be represented by my former attorney. They sent me what I just discovered was some sort of general modification agreement and not one that is HUD oriented. The modification was originated by 'The XXXX XXXX XXXX who worked out the negotiations. My loan was modified to 2 % and the new monthly payments are more affordable and now I am able to continue to successfully meet my mortgage payments. However after I was no longer legally represented by 'ANY FIRM OR LEGAL REPRESENTATIVE ' ; three months into my trial period, the mortgage company REJECTED MY NEW MODIFICATION AND IS NOW TRYING TO FORECLOSE ON MY PROPERTY FOR THE 4TH TIME SINCE ALL OF THIS STARTED. I sought legal help AGAIN, and this time finally got help from XXXX of the HAMP agencies who work through HUD. BUT now they have told me that after finding issues with what I just went through, they could not help me either. I AM SEEKING A GOOD MORTGAGE LIGITATION ATTORNEY TO ASSIST ME WITH BEING SCAMMED OUT OF MONEY AND BEING TAKEN ADVANTAGE OF BY ALL OF THESE PROGRAMS WHO PROCLAIM THEIR HELP BUT NEVER HELP YOU ACHIEVE THE DESIRED RESULTS YOU SEEK. ALL I WANT TO DO IS TO SAVE MY HOME. I DO N'T WANT THIS TO DRAG OUT FOR ANOTHER 5 YEARS UNTIL I EITHER LOOSE MY MIND OR MY JOB AGAIN! Thus becoming a victim of 'less than qualifying income ' that will put me in the status of 'REALLY NOT BEING QUALIFIED ' for continuing to keep my home. Is this the undercover strategy being use to achieve the mortgagors primary goal? : : 'to obtain property for future profit ' ; NO MATTER WHO SUFFERS THE LOSS? PUT A FAMILY IN THE STREET FOR THE PURPOSE OF GAINING A PROFIT LATER WHEN TIME MAKE IT PROFITABLE FOR THEM TO DO SO! IS 'GREED ' THE NEW DESEASE WE NOW HAVE TO FIGHT? WHAT HAPPEND TO THE LEGAL ACTIONS OF FORFITING A CONTRACT? WHAT LAWYER CAN ARGUE THESE FACTS? PLESE CONTACT ME. I NEED LEGITIMATE LEGAL REPRESENTATION FROM A FIRM/ATTORNEY WHO IS WILLING TO SUPPORT WHAT IS RIGH UNDER THE LAW IN OFFERING ME THE LEGAL ASSISTANCE I NEED TO SECURE MY HOME FROM THESE PREDITORY LENDORS WHO BREAK CONTRACTS FOR THEIR PROFITS ' SAKE!
Product: Credit card or prepaid card

On XX/XX/XXXX I did purchase from XXXX online store for {$1100.00} and I requested signature on my package or hold the package on the carrier location and after I finished my work, I will pick it up but XXXX ignore my request and delivered the package without my signature so I called them and they told me they will send a replacement and on that time they confirmed to me that they will do a signature required or hold it on the carrier location but again I didnt receive the package so I called XXXX again and I asked them that I dont like to order it online and I need the full refund. 
They told me that they will do an investigation with the carrier and they send me an updates to my email after they finished their investigation. 
I got an email from XXXX stated that My refund is being processed and I already received the refund on my chase credit card on XX/XX/XXXX. 
On XX/XX/XXXX I saw on my Chase credit card another charge for the same amount {$1100.00} so I called chase customer service to ask them to give me a credit for {$1100.00} because its duplicated so they gave me a credit for that amount on XX/XX/XXXX. 
On XX/XX/XXXX I saw a charge of {$1100.00} ( chase described this charge as an adjustment that made on XX/XX/XXXX however I didnt receive any adjustment on XX/XX/XXXX from chase I only received the refund from the XXXX ) again on my chase credit card so I called chase customer service and they told me that an error and they give me a credit again on XX/XX/XXXX On XX/XX/XXXX Chase charged my credit card again for {$1100.00} and I was trying to solve it but they refused to help me and they refused to open for me a dispute claim so I am feeling its a discrimination against XXXX. 
So please I need your help to get the full amount of the refund of {$1100.00}. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint against XXXX  regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX  and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX  I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX  is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I reported my card stolen, deactivated it and requested a new card, which I never got. Instead, I got an alert on the app that the new card had been swiped at XXXX 's XXXX for XXXX. While the transaction was still pending, the bank told me they could not intercept it. They told me the bank automatically activated the debit card before I received it. I never requested or Authorized this activation. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, in writing, requested that I provide additional information to verify my identity. Per their latter to me, dated XX/XX/2022, my identity does NOT match the information that they have on file. 

This is preventing me from establishing an online account with them, so their response makes no sense. 

When attempting to create an online account, this is the message that is displayed : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' I have attempted to resolve this multiple times over the phone and each time I call in they say they are having technical difficulties. 

I need a full credit report from them and what they are reporting as my credit score. I had a negative outcome when a service provider issued a soft credit check with them and the result was negative. I need to determine why this is happening. I can not do so if I can not access my account online and I have not been able to resolve this by calling. 

I have sent the requested information via the USPS - Tracking number XXXX.