23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery services has claimed that I owe {$1000.00} and {$750.00} from XXXX XXXX XXXX credit cards. I have sent a series of letters to both Portfolio Recovery XXXX and all 3 credit bureaus requesting validation of this debt. I began this process in XXXX, specifically mailing my initial letters on XX/XX/2018, delivered on XX/XX/2018. My accounts were not marked disputed on my credit reports on XX/XX/2018. I sent another letter on XX/XX/2018 asking for the names, addresses, and telephone numbers of persons who verified this debt. They have violated the Fair Debt Collection Practices Act, specifically Section XXXX, as well as the Fair Credit Reporting Act, citing Section XXXX. I have also sent several letters to each of the credit reporting agencies with no avail. They are continuing to verify this debt without providing any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX NA Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Product: Money transfer, virtual currency, or money service

Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.
Product: Debt collection

A company named EOS CCA in XXXX falsified a debt in my name owed to XXXX ( my cellular phone provider ) which I already have an active account with them and pay monthly bill, if I owe them money they would suspend my account!? I filled a complaint for identity theft and they removed it from my XXXX credit report agency but they left it on the two other credit reporting agency ( XXXX XXXX and XXXX ) they must remove this fraudulent debt or I will take them to court. This company sent me fake debt to steal my money they must remove this collection debt from all credit report agencies
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account and address reporting I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent the credit bureau " Transunion '' asking them to verify the debt on my report, and they have sent back stating that everything has been verified correctly. My credit report is still showing inaccuracies. 

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. 


Collection Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, 2021 a loan for {$100.00} was taken out in my name from Fig Loan. I emailed them that I did not ask for this loan, I was a victim of Identity Theft. They responded that I would have to file a police report, which I did. I emailed and called them with no response. I have since hired XXXX XXXX lock and they can't get them to respond either. XXXX requested I submit this to your agency.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management , Inc. regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. Midland Credit Management , Inc. has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, Midland Credit Management , Inc. continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : Midland Credit Management , Inc. 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

I contacted BSI Financial yesterday to make XXXX payments and was advised I needed to pay the full reinstatement amount. The XXXX XXXX was rude and abrupt and refused my payments. This company never notified me they were doing a loan modification and where my payments were applied in XXXX Causing me to go into default. I have tried to communicate with this company and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666B a creditor may not treat a payment on credit card account under an open and consuming credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Went on XXXX and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( XXXX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( CAPITAL ONE ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} XXXX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} CAPITAL ONE, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a TD BANK USA, N.A. / Target account reporting on XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with TD BANK and XXXX  and they have failed to remove it from my credit report.
Product: Bank account or service

My prepaid debit account managed by Blackhawk Network was shut down XXXX months ago. I had $ XXXX on that prepaid card and it is locked. They told me that a check would be sent out, but it has been so long. Numerous phone calls have not been returned. Why are they holding onto my money for so long??
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter concerning the accuracy of the information on my credit report, specifically in regard to the loan accounts listed below. According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) and various consumer protection laws, it is imperative that you physically verify the existence and authenticity of each loan account before reporting it on my credit profile. 

Account Details : XXXX XXXX XXXX XX/XX/XXXX, XXXX {$210.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$10000.00} XXXX XXXX Services XX/XX/XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2100.00} As a responsible consumer, I have taken the necessary steps to review my credit report and identify potential inaccuracies. It is my right as per the FCRA to request verifiable proof of the loan accounts in question, which should be in the form of original, signed customer contracts ( promissory notes ) bearing my signature. By complying with this lawful request, you will be demonstrating your adherence to consumer protection laws and ensuring the accuracy and fairness of the information in my credit report. 

In light of the importance of accurate credit reporting, I demand that you promptly investigate the validity of the disputed accounts and provide me with the required verifiable proof within the timeframe specified by the FCRA. Failure to do so will result in a violation of my consumer rights under the FCRA and other relevant laws, which may lead to legal consequences for your organization.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data.

According to the Metro 2 guidelines, you are obliged to report accurate and complete information, and upon receiving a dispute from a consumer, you must conduct a thorough investigation and correct any inaccuracies promptly. Therefore, I request that you take immediate action to verify the disputed accounts and, if unable to provide verifiable proof, proceed to delete them from my credit report in accordance with both the FCRA and the Metro 2 laws. 15 USC 1692 ( C ) I understand that resolving credit disputes is a legal obligation for credit bureaus, and I expect your full cooperation in this matter. Please provide me with written confirmation of the initiation of the investigation and the results thereof, along with any necessary corrections made to my credit report. 

Thank you for your attention to this matter. I trust that you will handle this dispute in accordance with the laws and regulations set forth to protect consumers like myself. Your timely response and resolution are appreciated. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. Thanks XXXX # XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

the problem is with my Capital One credit cards, which have been blocked for use as well as access to my account online. 
I have been a customer for 18 years and without prior notice my credit cards have been blocked. I have excellent credit. 
I have spoken with the company for a month in innumerable calls, but they do not give me a solution. 
I do not reside in the USA, so I do not have a USA phone and they allege that they can not verify my identity ( I have offered to the company the phone number of my accountant in the USA. I have a company in XXXX, FL ), but they have not accepted it because the phone is not in my name ). I have faxed the company a note ( XX/XX/2020 ) and a copy of all the documents so that they can verify my identity ( Passport, United States Visa, SSN, copy of the statements, etc, etc ) and neither They haven't even answered me. I have already exhausted all the instances that are within my reach. The problem is that I am quarantined in XXXX and I urgently need to use my credit card. I do not understand the reasons they put to rehabilitate them. 
Please, I beg your help to solve the problem for me.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency keeps listing incorrect residential address for me starting XX/XX/2024, and keep falsely alleging that my bank at XXXX XXXX XXXX is the one that is reporting such residential address to them, and therefore I should contact XXXX  XXXX XXXX to correct it ; However I know what I reported to my bank at XXXX XXXX XXXX and I can also see how the new address I reported to XXXX XXXX XXXX is listed on my account as : " XXXX XXXX XXXX XXXX, " XXXX  XXXX '' Washington DC XXXX ; '' EXPERIAN CAN NOT LIST THIS ADDRESS ON MY CREDIT REPORT WITHOUT THE INCLUSION OF " XXXX  XXXX '' BECAUSE THIS ADDRESS/LOCATION IS NOT A RESIDENTIAL LOCATION/BUILDING ; IT IS A BUSINESS BUILDING ; EXPERIAN CREDIT REPORTING AGENCY HAS TO INCULDE " XXXX  XXXX '' WITH THIS ADDRESS AT XXXX XXXX XXXX XXXX WASHINGTON DC XXXX. 
I can not contact XXXX XXXX XXXX because they are not the ones listing this address on my accounts without including " XXXX  XXXX ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not liable with XXXX XXXX XXXX. i do not have contact with XXXX XXXX  XXXX. they did not provide me with the original contract as i requested.
Product: Debt collection

PHH Mortgage has a sale date on a home that has been sold twice by fraud. 

PHH Mortgage claiming ownership to a property that XXXX XXXX  signed an illegal judgments PHH Mortgage is attempting to collect a debt without a contract, which equals a lien, which this party does not hae. As the loan is fraud. The original company was sued by XXXX  XXXX, XXXX XXXX, who did not have a contract to obtain a lien. the XXXX  XXXX  already made a ruling and all the loans was, kept Lost the loans as they sue XXXX XXXX  sued PHH Mortgage received a transfer from OCWEN while being barred by status of limitation transferred inside a bankruptcy XXXX party by the name of XXXX XXXX  XXXX  XXXX  who impersonated XXXX XXXX XXXX 2012 obtained an illegal judgment A lawsuit was filled against XXXX XXXX, as they have no rights as they did not have a contract, which equal XXXX this is intentional Fraud A second Judge tamper with XXXX  order and gave the property to another company Now any person with any sense knows it is illegal to sale a home more than one. There can only be one owners
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

There was a recent collection added to my credit report that is not mine. I have been harassed over and over again about this account with Allied Cash Advanced that I absolutely do not owe or have any recollection of. I have never taken out a loan with them and I have disputed this once with Allied Cash Advance with another collection agency named XXXX and XXXX. This dispute was on Complaint ID XXXX The Company Check'n Go also known as Allied Cash Advance Responded saying : " To Whom It May Concern : We want to thank XXXX XXXX XXXX for contacting Check n Go regarding the calls she has been receiving. We understand that there is some confusion with the the calls she has been receiving from XXXX and XXXX in an attempt to collect on a loan with Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching XXXX XXXX 's information in our system Thank you. Customer Advocacy Department, Check n Go. ''