23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In response to CFPB complaint XXXX PORTFOLIO RECOVERY ASSOCIATES a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from XXXX XXXX  XXXX XXXX which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Portfolio Recovery Associates has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Portfolio Recovery Associates has complied with none of this statute. The attached correspondence sent with their CFPB response from XXXX XXXX  was a document from the original creditor that was sent to an address that does XXXX never belonged to me stating that the debt was sold to Portfolio Recovery Associates. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with XXXX XXXX  XXXX. XXXX XXXX  XXXX. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to PORTFOLIO RECOVERY ASSOCIATES or XXXX XXXX  XXXX. Portfolio Recovery Associates was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. Portfolio Recovery associates continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Portfolio Recovery Associates debt claims are refuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my credit report temporary to get approval on a new car loan. The online website and phone number is not allowing me to get the freeze lifted. The credit bureau is EQUIFAX. I have called 6 times and just put on hold they offer to press 1 and get a call back but it doesn't work only hang ups. The online says they can't pull up the information and try later I did this 5 times! Please Please help me my car is down I desperately need a new car!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX/XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # XXXX - XXXX  Account # XXXX - XXXX Account # XXXX - XXXX/XXXX  Account # XXXX - XXXX Account # XXXX 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 instructions.
Product: Credit reporting

I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.
Product: Money transfer, virtual currency, or money service

I file XXXX claims for XXXX XXXX XXXX  from my chime account XXXX XXXX claim number XXXX is XXXX and for {$1700.00} and claim number XXXX is XXXX for {$1600.00} XXXX file them on XX/XX/XXXX authorize transaction my phone was took with my password been in my notes and I didn't have a password on my phone. I don't know who XXXX is I just want my money back please. My kid needs it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were 3 fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, 2 of the 3 were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those two were XXXX and XXXXXXXX XXXX XXXX. The 3rd fraudulent account was created through XXXX XXXX. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account XXXX  XXXX ). Then I tried to reopen the investigation ( case XXXX XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this XXXX account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 to current for XXXX this was for a credit card bill max XXXX before went to collections paid off all but XXXX went to collections for XXXX the collection agency says i never paid off down to XXXX sent them proof and then they refused to further collect so another co took over did say came after for XXXX i submitted all my bank statements over and over and they said who cares i told them this is fraud i do not owe this money you have me in collections for i paid i only owe XXXX they still said who cares nothing we can do pay XXXX or not removing i have proof of hundreds emails i sent to first collection agency who stop it cause they knew i didn't owe it was fraud on my reports collections i do not owe then this company that has many lawsuits against them took over and still trying to come after me amount i do not owe and submitted proof do not owe they finally removed from my XXXX but still on XXXX and XXXX causing me issues getting denied rental applications for money i do not owe
Product: Student loan

I am a co-signer on my son student loans. He is serving in the XXXX XXXX right now and have been for the lats 6 years and attending school. his loans are in deferment Sallie Mae keep sending notices anyway since covid and sending them to our credit report with the loan in deferment. I have contacted them, and they have yet to correct this. 
please help my credit score is taking deep down which will hinder my job. 
Report Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the Bureau to remove this issue on my credit report sinceXX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$360.00} start XXXX XXXX XXXX XXXX {$480.00} Inquiries XXXX  XXXX XXXX/XXXX/2023 XXXX XX/XX/year> XXXX XXXX  XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, This BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$330.00}
Product: Checking or savings account

BoA refuses to acknowledge that they are discriminating by declining certain purchases, even claiming one successful purchase answers for ten others declined. I only have seconds to purchase my items and cant make a second attempt and they continue today to cancel every transaction and send a fraud text, so I cant make the transactions at all, going on ten months. They still ignore the issue. They claim the fraud alert isnt because of them but they also wont remove it. The will keep me on the phone 12 hours refusing to help, contradicting and cold-transferred calls. Their escalation person wont resolve the issue because she doesnt see a problem with the alerts no matter how many times I explained, they pretend no one has had to make this type of purchase before. So I have fraud alerts every time I try to buy at the only two places I spend most of my money and I cant buy anything because everything is sold out after the card is declined. They have no records of the transactions or declines and their records dont matchup with the alerts sent. Its medsed up but whats certain is that they arent changing their refusal to remove this restriction ( that say there isnt one on my account and that the sellers are declining the transactions they initiate, even thought BoA sends a text message verification ). No one will cooperate with getting the technical issue resolved, hoping a random card replacement might work and that I should use my credit instead. They only let me speak to a secretary working in the collections office calling herself the manager of the escalations group, they arent even treating me as a customer or a human, but it is discrimination to monitor someones spending habits and use fraud verification to prevent purchases for over six months, preventing not delaying or verifying, because weve clearly expressed our interest and intention to purchase and every time I miss out. Today they called me at XXXX est when XXXX XXXX dropped his XXXX XXXX XXXX low, she was on the phone with me with the transaction failing and trying to convince me I was mistaken. They are aware of what is being limited in this account and using fraud to limit the account that hadnt been involved with any fraud.
Product: Credit card

sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me????
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Mortgage

Discover Home Loans  advertisers a process in which to prequalify for a HELOC rate on their website with no affect on a consumers credit file. I went through the process and got to the point where it said, Congratulations, you have prequalified for XXXX  and almost immediately received multiple text messages and emails from credit monitoring sites that a hard credit inquiry was pulled by Discover. This is completely opposite what was stated on their website about prequalifying for a rate and has  now added an unwanted and unauthorized hard inquiry on my credit files. I spoke with a home loan officer this morning to express my displeasure in the bait and switch advertising of their site and she refused to do anything about the hard pull inquiry. This is wrong to advertise one way with NO AFFECT on credit but then go through their process only to get hard credit pulls. I requested they remove the hard pulls and she declined saying there was no method to remove them.
Product: Consumer Loan

36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING
Product: Checking or savings account

Citizens Bank has repeatedly ( betweenXX/XX/XXXXandXX/XX/XXXX ) played " fast and loose '' with the way charges post to my account, having them " clear '' in an order and way in which they are able to collect the most fees.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), The following accounts listed on my credit report have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically my right to privacy and confidentiality as outlined in 15 U.S.C 1681. These accounts were reported without my consent, and they violate multiple sections of the FCRA : List of Accounts Violating My Rights : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Violation : Unauthorized reporting, inaccurate credit usage. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Violation : Late payment inaccurately reported. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Violation : Inaccurate balance reporting. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX  Violation : Unauthorized collection reporting. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Account Number : XXXX XXXX Violation : Unauthorized collection reporting. 
________________________________________ These accounts violate 15 U.S.C 1681 as follows : 15 U.S.C 1681 Section 602 ( A ) - My right to privacy was violated by these unauthorized reports.

15 U.S.C 1681c ( a ) ( 5 ) - Adverse information more than seven years old is being reported.

15 U.S.C 1681s-2 ( A ) ( 1 ) - These accounts were reported with inaccurate or unauthorized information.

Please address this issue by taking immediate action to correct these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXXXXXX, Account Number XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX A XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/UXXXX XXXX XXXX   XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
Product: Consumer Loan

I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.