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

I wish to file a complaint against Portfolio Recovery XXXXociates, LLC for reporting a fraudulent account on my credit reports. I noticed a fraudulent XXXX XXXX XXXX credit card account on my credit reports. I have never had an account with XXXX XXXX XXXX. XXXX XXXX XXXX did an investigation and ruled in my favor, that this account was fraudulently open. XXXX XXXX XXXX removed this fraudulent account from my credit reports. The letter I received from XXXX XXXX XXXX, is enclosed as an attachment. But Portfolio Recovery Associates, LLC the collection agency that purchased this account and listed it as a collection account will not remove this fraudulent account from my credit reports. 
The original creditor XXXX XXXX XXXX, determined I did n't open this account and that it was open thru fraudulently means and I am not liable for any charges related to this account. So Portfolio Recovery Associates, LLC is violating the FCRA by listing an account on my credit reports that does n't exist. Please make Portfolio Recovery Associates remove this fraudulent account from my credit reports. They are knowingly and willfully violating my consumer rights and the FCRA. The letter from XXXX XXXX XXXX is enclosed as an attachment.
Product: Debt collection

I am unaware of this debt. Did not have the opportunity to dispute this debt I did not receive proper notification. If in fact you believe I received proper notification please Provide the certified mail with my signature on it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; 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 XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I spoke to an agent at Castle Credit and told them I had a late payment because my system wasnt working and as soon as it was serviced I would make a payment. They called me again on XX/XX/XXXX but I missed it due to work obligations. They called again on XX/XX/XXXX demanding payment. I spoke to XXXX XXXX. I told her I had already talked to someone and that I would be making a payment when my system was serviced. She asked for my credentials so she could have a conversation with me so I said I dont have anything else to add. I will be making a payment when my system is serviced. Before I was able to complete my statement Ms. XXXX, speaking over me, said thank-you-have-a-good-day as quickly as she could and hung up on me. I called back and when Ms. XXXX answered I asked if I could speak to a supervisor and she transferred me to an answering machine. This is horrible customer service. Ms. XXXX should not have hung on me while I was talking and I should have been allowed to talk to a supervisor to make arrangements for my next payment. I will be taking my loan somewhere else!
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, Ally Financial Account # XXXX has violated my rights. 

1

5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I had a Wells Fargo Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified Wells Fargo of the scam and Wells Fargo closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. 
I recently tried to obtain a new bank account and was informed that Wells Fargo is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.
Product: Credit reporting or other personal consumer reports

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, Experian, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Checking or savings account

I want my tcf bank to allow XXXX XXXX to see how much money I have and for them to do partner up
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ( correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ( remove the XXXX XXXX XXXX  ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a " XXXX '' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my XXXX. no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( XXXX ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT XXXX XXXX XXXX'
Product: Student loan

I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee.
Product: Money transfer, virtual currency, or money service

I was scammed to with a promise to get funded for a XXXX loan increase after XXXX announced that they were shutting the portal down and these people said that they were from XXXX and could help me get my paper work pusshed through before deadline for my XXXX loan increase. I should have known better but they were referred by a trusted source on XXXXXXXX XXXX, so I thought. So I texted them and communicated by text ( see below ) desparate.. I XXXX {$950.00} to a XXXX XXXX at phone # ( XXXX ) on XX/XX/2022. They asked for {$890.00}. I was so nervous that I accidentally hit {$950.00}. XXXX never contacted afterwards and the people who referred me to her never contacted me nor answered my calls. I called my bank, Bank of America and they said that there was nothing that they could do after contacting the recipient 's bank which is XXXX, I tried to contact that bank XXXX department but could not get directed to the proper department. 

I do not understand why my bank Bank of America, who knows that my money went to a XXXX XXXX customer, could not inform XXXX XXXX that I was scammed by a customer at their bank. And me being a loyal customer of Bank of America for many years should have received more help with my claim. 

XXXX XXXX should have investigated and asked me for the proof of my interactions with the scammer who falsely represented herself through social media. 

My Bank can be contacted with proof that I did file a claim. They never asked me for documents ; Thank you
Product: Mortgage

Freedom Mortgage Corporation XXXX XXXX ) purchased our non-XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  XXXX XXXX. Sometime after the Corporations purchase ; without our knowledge or consent, the Corporation added XXXX XXXX XXXX XXXX XXXX  ) to our loan, and listed it as XXXX XXXX XXXX loan. Our prior loan was specifically refinanced to remove the XXXX. Upon the Corporations purchase of the loan ( late XXXX ), the fair market value of the home was between $ XXXX $ XXXX ; and the remaining balance on the loan was less than $ XXXX. Those numbers show a Loan to Value ( LTV ) of 50 % - 45 %. Had the prior loan been a XXXX  loan, this does NOT automatically make the current loan a XXXX loan as the LTV is well below the required threshold for automatic removal. Freedom Mortgage Corporation without consulting or notifying the buyer, negligently added the XXXX  ( $ XXXX ). Additionally, the Corporation has based their additional escrow holding utilizing the XXXX  in their calculations to an additional sum of {$300.00} ; in which it has raised the monthly mortgage payment an additional {$100.00}. We have called Freedom Mortgage twice on this matter and have been bounced back and forth between customer service to insurance and back to customer service ; however, no one will assist. We sent a letter ( USPS tracked ) dated XX/XX/XXXX which was received by Freedom Mortgage on XX/XX/XXXX @ XXXX ; however, again, Freedom Mortgage has ignored this also.
Product: Credit reporting or other personal consumer reports

I currently have a credit card with Chase credit services and is the XXXX ( XXXX XXXX ) credit card. I have had many issues with the credit card but the latest have been personal retaliation towards my credit card. I have no one to help me or advice me on this matter but let me further explain. Since I use this credit card for my everyday expenses the credit limit is XXXX XXXX. But is not maxed out and even though i always make between XXXX to XXXX dollar monthly payments I cant seem to ever lower my debt and my point or rewards never change either. I called them today to see why they always block my card as well as to ask them for a credit increase and the first representative denied me this information I am assuming this was cause she didnt have all my information available as she was located abroad. I asked for her to transfer me to a representative in the States as i knew they always have more information specially regarding my personal account and he did. The second rep was great and provided me with the date of my latest increase request and this is where the problem start. I requested him with his legal department as well as as an email where i could make a formal complaint regarding my credit reporting from them as well as i personally told him i believe they are not treating me fairly and he just provided me with a fax number that doesnt work as well as XXXX XXXX XXXX. Not even XXXX minutes have passed by when i get a XXXX point decrease on my experian credit report. Chase credit card services have always decreased my credit score right after i make a complaint regarding the services they provide. I am not joking and you can check the times i called as well as when i get the experian notifications I even have proof of it on my phone. I am formally accusing Chase credit card services of lowering my credit score for complaining to them for irregularities they are doing to my account and this all include, payments i have made them not posting them, credit decrease for questions and complaints i have, not providing me with information i request, I also accuse them of not treating me as a regular customer and they always seemed to know who i am for some reason.
Product: Vehicle loan or lease

I traded my vehicle a XXXX XXXX XXXX that was financed through XXXX with a monthly payment of {$630.00} to XXXX XXXX XXXX who went out of business after I traded the vehicle into them. I called Chrysler Capital and explained this to them and continued to make the payments until the car was liquidated by XXXX Auto exchange at the auction. I did this so I would not be reflected as late on any payments. I continued to call and in XX/XX/XXXX I was told by XXXX Auto exchange and Chrysler Capital this vehicle was sold to Ally Financial and Ally Financial was paying this car off with Chrysler Capital. 

At no time did I speak with Ally or did I give for Chrysler Capital my permission to talk or discuss or negotiate on my behalf with Ally and the same I did not give Ally my permission to discuss or negotiate on my behalf with Chrysler Capital. 

In XX/XX/XXXX while continuing to make my monthly payments I was told by Chrysler Capital that they had been in discussions with XXXX and had given XXXX my pay off amount. 
I continued to call every month to Chrysler Capital before making the monthly payment to see if it had been paid off. In XX/XX/XXXX I received information from Chrysler Capital that XXXX had paid off the vehicle. I then received a bill showing that {$600.00} was still owed I called Chrysler Capital and explained why they would release my title to XXXX until paid in full and was told they would get with XXXX. I was then notified by all three credit bureaus that it was reported from Chrysler Capital that on XX/XX/2023it was reported on my credit bureau that my acct was closed and paid and negotiated for less settlement which is a derogatory remark I have been calling Chrysler Capital weekly to get this removed to say paid in full with nothing about a settlement for less. This remark has caused not only my credit score to drop dramatically but has caused me not to be able to get new credit.
Product: Credit reporting or other personal consumer reports

I have disputed an account reporting on my Experian credit report over the past several months which I have included some of those letters as an attachment. Interestingly enough, Experian has reported that the information that was disputed came back accurate. Well, a notation was never recorded on my credit report that the account was disputed even after I brought this matter to Experian 's attention. The notation is an important part of the dispute resolution process and is designed to provide transparency and inform anyone who reviews the credit report that there is an ongoing dispute regarding the accuracy of the reported information. 

XXXX XXXX has also just recently responded back to my latest dispute confirming that they have received " seven '' of my disputes over the past 120 days, disputing the accuracy of the account. Strangely enough, my Experian credit report does not indicate that the account was disputed. 

I am attaching a copy of some of my previous dispute letters sent to Experian, a copy of Experian response stating the account was verified, a copy of XXXX XXXX letter stating that they received " seven '' of my past disputes over the past 120 days, and a copy of my Experian credit report showing where my account was never noted to indicate the account was being disputed.
Product: Checking or savings account

TD Bank keeps charging me overdraft fees for things that have not been paid out yet ( the charge is still pending ) They also charge me overdraft fees out of order of occurrence. They post transactions out of order, giving me a false sense of account balance. Then they retro date transactions and take their fees and throw my account into overdraft. So any transaction that I make before they take their fees is now in overdraft after they take the fee because it is retroactively dated and pushed every transaction after that back as if it weren't enough money in the account when there was at the time of transaction.
Product: Debt collection

This.resurgent company is trying to collect a debt from XXXX or XXXX that I reported at the time as fraudulent charges - the original creditor corrected the issue back in XXXX - this debt is not mine nor is it collectible from me - as a matter of fact I dont even think its legal to try and collect a debt from XXXX from any party-
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one auto finance 10 hard inquerys in one day?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX 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 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.