23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had to relocate quickly due to a XXXX  XXXX situation. I had 6 months no interest on all purchases and it until this happened I had never paid interest on any charges. It was not until I was having to pay for things I usually did not to keep from being XXXX  with XXXX that I did start having things getting interest charges and getting behind. It took me a bit to get somewhere safe and get settled in before I was able to start dealing with things but I am including the emails where I reached out to the executive email for PayPal when I was unable to reach anyone outside of my work hours or that could assist. He refused to provide a direct number when I asked as I can not take calls while I am at work and kept wanting a time when he could call me. I have been trying to deal with investigators, the DA and many other issues and had to put it aside but when I called because my access to my statements has been blocked they refused to allow me access until I made the minimum payment. Some of these charges will need to be disputed as they are coerced charges as per the DA 's office and my Victim 's Advocate but I am being denied the necessary information so that we can try to address this and get my account back in good standing. They can see that for about 1.5 years prior I was not late with payments, always paid more than the minimum and never had interest charged on my purchases because I paid them off within the the 6 months no interest period. But I am not getting anywhere and not able to reach anyone that can do anything and now I can't even access my statements so I can dispute the coerced charges. I am including the police reports, bond conditions and screen shots of emails from the PayPal executive. Also the latest case I have not gotten a police report for. It is for texted death threats but the case number is XXXX and is with the same office the rest of them are with.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES is a third party collections agency that is attempting to collect on a credit card debt owed to XXXX XXXX. I can not remember the exact date that PORTFOLIO RECOVERY ASSOCIATES first reported to the credit bureaus, but I know it was reported prior to XXXX XXXX XXXX. That date was within a time frame when I first disputed the debt as I did not believe it was owed to them. 

It was removed from my credit, then they reported it again XXXX XXXX XXXX. I again filed a dispute as they had not 1 )  Notified me that this would be relisted and 2 ) the collections agency still had not supplied any proof that I actually owed them any debt. Once again, this was removed from my credit. On XXXX XXXX XXXX it was again relisted on my credit with no notification and still no proof of the debt being owed to them, or that the debt is actually not older than 7 years should still be reported on my credit report. 

It appears that their way of handling these issues is to wait until it 's removed then re-report it, to avoid having to prove they are owed the debt and also to restart the 7 year window they could report the debt. I believe that this violates the fair collections laws.
Product: Debt collection

Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX   previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.
Product: Credit reporting or other personal consumer reports

This company continues to violate my consumer rights under the FCRA. They reporting inaccurate information about and close account that shows open with a balance. The images are below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the handling of this attempt to correct late open accounts. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the issue of late open accounts, I regret to inform you that the problem persisted during the 3rd attempt. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to identify the root causes of the late open accounts and implement robust measures to prevent their recurrence in future attempts. Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct the late open accounts XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX {$0.00}.
Product: Vehicle loan or lease

Subject : Inquiry into the loan instrument To Credit Acceptance, In reading 15 USC 1601, it has come to my attention that Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. In my endeavor to pursue an informed use of credit I have questions about my loan instrument.

My car loan note is considered a negotiable instrument. It is an unconditional promise to pay a fixed amount of money, with interest and other charges, payable to order, payable on a determined date and doesnt require any other acts to tender payment. My understanding is, when the car lending institution accepts my loan instrument, they record it as a deposit. Can you please confirm whether my loan instrument was recorded as a deposit. 
I appreciate your immediate attention to this matter, and the time you spend in addressing it. Please reach out to me as soon as possible at my email on file.
Product: Debt collection

XX/XX/year> We were emailed by Tek-Collect that there was a debt owed by XXXX XXXX XXXX XXXX 
Shortly after my wife spoke with an agent and advised them that " XXXX XXXX XXXX went out of business before the rest of the services ( XXXX, etc. ) were delivered, and therefor she would not be responsible for paying a debt for items she didn't receive. '' The agent told her that she was not allowed to dispute this with them and that it had to be paid. The agent asked if my wife had money to put down and when she said no he said have a good day and hung up the phone. 

XXXX We received a report on our credit statement that we had been put in collections for being behind on payments to them. I called on my wives behalf and explained to the agent that we didn't finance anything with XXXX XXXX XXXX and never signed any documentation that we took out a " loan '' for these services, and they are trying to collect on services that were rendered incomplete when XXXX XXXX XXXX XXXX went out of business. We are not responsible to pay for a service which they on their end were not able to fulfill. We do not feel we should be negatively impacted by a company that went out of business, especially given its been over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XXXX   XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Product: Credit card

I closed my XXXX last XX/XX/XXXX and also closed my Costco account. 
I got a credit from Costco on XX/XX/2016 for {$55.00} on the XXXX that I then closed. Costco changed credit card companies months later and I got a new Citi ( Costco ) card that I did not want or order. I never activated it. Now almost a year later I am getting late notices from Citi that I have not paid my bill and they have added {$25.00} in late fees. 
I called them last month and told them I never opened a card and they said that they would close it. So now today I get another bill from Citi that I am XXXX past due. This is fraudulent since I never opened the card and at the time of their transition, I was not a customer of XXXX or Costco. I have great credit and now it will be wrecked over this fraudulent charge. I am getting no where with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank XXXX XXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX XXXXhecking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Product: Money transfer, virtual currency, or money service

Hello, I have an account on Blockchain.com with the email XXXX Unfortunately, this email was blocked and I don't have the XXXX options to verify. 

The last time I had access to this email was in XX/XX/year> and since XXXX years have passed, it is most likely that it has been deleted from the XXXX database according to what I have been reading. 

The problem is that when I try to contact Blockchain.com to help me change the email, they ask me to verify with a selfie. I want to emphasize that I never verified the Blockchain.com account and simply put my pet 's name, which is XXXX XXXX, as well as the email. 

I had sent my cryptocurrencies from my old Blockchain.com account linked to the email : XXXX to the new Blockchain.com account I had created, which is XXXX I still have access to my account linked to the email XXXX, I have all the movements and the dates on which I made the transfers that I had issued to the new account mentioned above. 


I have been trying to solve this problem with Blockchain.com for more than XXXX years, however they always tell me that the data does not correspond. I have tried to put the context, which is my pet 's name, and yet so far they just ignore it.
Product: Credit reporting or other personal consumer reports

Account Name : Eastern Account System, Inc. 

Subject : Formal Dispute Regarding Collection Account To Whom It May Concern, I am writing to formally dispute a collection account that has been reported on my credit file. This account, which is being pursued by XXXX, XXXX, and XXXX, appears to be inaccurate or incomplete. I kindly request your assistance in verifying the validity of this debt and ensuring that all related activities comply with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

On XX/XX/XXXX I received correspondence in the mail from Caine & Weiner that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Caine & Weiner is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying a house. This whole ordeal is stopping me from doing so. All calls are recorded so no one can say that I was being rude to them. On XX/XX/XXXX I tried to resolve this issue with the department of education and Equifax credit. Equifax credit refuses to delete a account that they claim is in collections. The department of education and XXXX XXXX XXXX, have sent me letters showing that not only is the account in good standings but it also has a XXXX balance. My XXXX loans have been forgiven under Federal regulations because I am a XXXX XXXX XXXX  veteran. XXXX and XXXX have already deleted the accounts off my credit as of 3 years ago when I started this whole process. Equifax credit not only refuses to accept my proof, that the debt should not be there, but they also refuse to give me a valid email address to send the proof to. Equifax credit also refuses to believe what the department of education is telling them. I originally spoke to XXXX, who in turn let me speak to XXXX, who is apparently the supervisor, and I also spoke to another supervisor named XXXX who would not only listen to what I was saying but was being extremely rude as well. Equifax is a horrible company, by far the worst out of the XXXX credit bureaus. 
My next step is to get a lawyer involved.
Product: Checking or savings account

venmo allowed XXXX  to make XXXX withdrawls of XXXX, XXXX, XXXX from my venmo checking account on XXXX without any authorization from me. i have reached out to both companies and each replied very differently. XXXX says the transactions never happened or they did happen but they can not produce a reciept or tell me what was purchased. venmo said " it fits my spending habits " but they could not produce any proof of my authorization nor proof of any purchases. they did not contact XXXX by phone or email because XXXX does not have either available. both sides are guilty because XXXX is a paypal company as venmo is.
Product: Debt collection

In XX/XX/2019, Portfolio Recovery Associates, LLC ( " PRA '' ) agreed to a settlement on an account they had assumed from XXXX   XXXX XXXX. The original balance of the loan was {$8000.00}. The settlement reached was for {$4800.00}. They have been accepting payments, which have been made as scheduled, on that settled amount since the settlement was agreed to. However, PRA continues to write to me showing the amounts paid as being credited against the full {$8000.00} debt. They are also reporting the same to the credit agencies. This fraudulently makes it appear that I have an outstanding credit collection account of ( currently ) more than {$7000.00}, rather than the {$3000.00} that should be showing. 

I have written to them twice asking that they correctly report the amount owing and both times they have refused to make this correction and stop reporting the incorrect amount. 

I have not yet received the confirmed settlement letter from my debt resolution company, but it will be received shortly. I can forward it later. It shows the settlement of {$4800.00} was agreed to by PRA in XX/XX/2019. 

The Company is Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I took advantage of a balance transfer option with one of there checks. They then charged me the balance transfer fee and also interest on top of it. Resulting in me losing {$1300.00} in fees and interest. Bank of America said that the check wasnt supposed to be written out to me for deposit but it didnt state that anywhere and the check in front states to deposit or cash and I did just that. When I tried to get this resolved they said I wouldnt get any refund since I used the check wrong, when I asked for evidence of the legal terms they refused to provide it. Then the crazy thing is that they send me another check offer and it doesnt state not to deposit for myself anywhere.
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 for these reasons
Product: Debt collection

I have attempted numerous times to contact Debt Recovery Solutions. There is no address or phone number..Please help .. trying to contact this Collector or Radiology Company with an current correct address or phone Number.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX XXXX  - XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX - XXXX XXXX XXXX  - XXXX {$4400.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX {$9100.00} Accounts : XXXX - XXXX {$1400.00} XXXX - XXXX XXXX - XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1400.00} XXXX  - XXXX XXXX  XXXX - XXXX