23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Complaint against Portfolio Recovery Associates Amount : {$820.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Portfolio Recovery Associates, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Portfolio Recovery Associates is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Portfolio Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX  Account XXXX : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit card

I entered into a contract with a kitchen co. to design, fabricate and install a new kitchen in a XXXX apt XXXX in XXXX Prior to kitchen delivery, the co. forced me to pay the balance of {$11000.00}, or delivery and installation would not be done. My wife and I had a 2 month old infant without a kitchen, so I reluctantly agreed, and payed with my American Express card, affording me the opportunity to have protection in case of any problems. 

After the delivery and installation of the kitchen, I observed shoddy workmanship and poor material quality. I notified the company, and they made half hearted attempts to correct the problems. The kitchen is not completed, filled with outstanding issues, as per the contractor 's own punchlist, and contractor has ignored my requests. 

I subsequently discovered that he is not licensed by the XXXX, or as required by the XXXX rules, to perform any kitchen work. 

I immediately notified American Express, submitting documentation of the unfinished kitchen, no license, etc. To my astonishment, after receiving and " reviewing '' my documents, Amex has payed the contractor, and refused to issue me a credit. I have written and submitted my documentation to the president of American Express, who delegated my problem to a low level employee XXXX, who declined my request. 

Rules, including licensing requirements, are mandatory and to be followed and adhered to, by all contractors. Amex 's weak response is unacceptable in light of the overwhelming evidence, including an incomplete and flawed kitchen.
Product: Bank account or service

I opened bank account at Bank of America a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about " account closed '', and just found out that it could affect me to have problem to open account at any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX XXXX  account with my information and a different address. I have spoken to the XXXX XXXX XXXX XXXX XXXX XXXX on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts
Product: Credit card

In XXXX, I opened an American Express " Blue Cash '' credit card ending in account number XXXX with American Express ( AMEX ). I was told at that time, than I would receive rebates totaling 3 % for supermarket and gas purchases, and 1 % on everything else. Every time I received updated cards due to the old ones expiring, I would carefully check the documentation I received as well as with the phone operators at American Express, to confirm whether any changes had been made to the terms of my account including the rebate amounts. While certain changes were made and communicated to me over the years ( e.g., loss of concierge service and rental car protections ), I was consistently told each year that my rebate rates had not changed. 

Last month, I received new " Blue Cash '' cards from American Express and called the company to confirm that nothing had changed. For the first time, through an off-hand comment by an operator, I was told that my Blue Cash account was receiving 1 % for supermarket and gas purchases, and .05 % for every other purchase. I asked why the rates had dropped so far so fast, and was told by XXXX operators that they had been this way for years and that only holders of the new, previously unknown ( to me ) card called a " Blue Cash Everyday '' card would receive the rate I had been told I was receiving prior to this conversation. I was understandably upset by these long standing misrepresentations, and told the operator I wanted AMEX to make this right. He said there was nothing he could do but switch me to the new " Blue Cash Everyday '' card, as the new card was exactly the same in all respects as the old card, except for the small change in the name from " Blue Cash '' to " Blue Cash Everyday. '' I therefore made the switch in XXXX of XXXX. 

I sent AMEX a letter on XX/XX/XXXX, detailing my anger at their actions and asking AMEX to make this problem right. No response has been received to my letter. I am therefore turning to you to see if you could fix this unfair situation.
Product: Checking or savings account

On my Discover Bank savings account, on XX/XX/2019 I found a " deleted '' transaction that was depositing {$20000.00} from a XXXX XXXX account to my Discover Bank savings account. I do not have a XXXX XXXX account, so reported this to Discover Bank. 

Here is their response : " We are aware of an issue that is showing deleted transfers to or from XXXX XXXX even though you don't have a XXXX XXXX account on file. I can confirm no funds are being sent to or from XXXX XXXX as this is only a display error and we are working to resolve this issue as fast as we can. At this time we do not have any way for customers to work around this matter or an ETA on when it might be resolved but rest assured the problem will be resolved as quickly as possible. '' I am very concerned that I have such a transaction from XXXX XXXX XXXX, with whom I do not have an account, on my personal Discover Bank savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that TransUnion is reporting information from a account that was closed by original Creditor, sentinto collections, and sold to a Debt buyer named XXXX XXXX XXXX under account # XXXX. XXXX XXXX and/ or TransUnion is reporting information on this report that violates the F.C.R.A. and due process of federal law which is adversely affecting my credit rating. A dispute was filed and denied by TransUnion and updated. Contrary, nothing was corrected so this new complaint is promulgated. A copy of the consumer 's TransUnion report is incorporated as evidence so discrepancies can be ascertained for review. Said errors are as follows : 1. Under Account type, this account is being reported as a open account. This is not a open account!!! XXXX XXXX is a Debt buyer and this account is a collection account. XXXX XXXX  can not extend credit to anyone. XXXX XXXX  can not have a open credit type with anyone and should not be reporting any type of account except collections. Nor do I have any agreements with XXXX XXXX regarding this account. Further more, no collection account should have a account type as open.This is falsely reporting information and should be considered fraud. 2. A balance and past due amount are showing on the account report. This is in violation and or error. XXXX XXXX is a debt buyer and not a creditor and can not report an account as past due or current. By a debt buyer reporting a balance and past due amount is a violation. 3. Date account opened is missing. 4. Date account closed is missing. 5. Date of last activity is missing. 6. Date verified is missing. Errors 3 through 6 make report incomplete and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies are including number of credit inquires as a factor in computing my credit score. I have no control over whom is doing inquires and the frequency of those inquires. Further, several inquires were not related to actually applying for credit but only to check interest rates. These uncontrolled and frequent inquires are having a negative effect on my credit score which affects my ability to get lower interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XXXX of XXXX i lost my job but contacted capital one for payment arrangements. Everything was set but yet they still reported me as late, despite them informing me on the calls that this will not be the case.
Product: Debt collection

On XX/XX/2022, I attempted to contact Medical Data Systems about a debt that they have reported to my credit. To date I have never received any correspondence from them in regards to any debt. I spoke with Medical Data Systems in XXXX of 2022 and they illegally threatened to report my debt to the collection agency for negative impact unless I paid. I asked for further information about bills that they held and they gave me incorrect information, stating I owed {$270.00} to XXXX. I called XXXX XXXX and confirmed no debt was owed. On XX/XX/XXXX, they claimed that I owed {$270.00} to XXXX XXXX XXXX  XXXX XXXX  XXXX and when I called that office they do not have me as a patient nor any account under my name. I also requested information regarding any other debt that was not sent to me. 
Today when I spoke with Medical Data Systems, they refused to provide me details about the debt regarding what was the original bill information. Legally it is my right to the following information : If the debt is medical debt, the notice must also state : Your right to request the original account number assigned to the debt. Your right to request the date of your last payment. Your right to request an itemized statement that gives you all of these : the name and address of the medical creditor, the dates of service, the services the provider claims it provided you, the amount of principal owed on the debt, any adjustment to the bill, the amount of any payments received from you or anyone else, any interest or fees, and if you were found eligible for XXXX XXXX and if XXXX XXXX payments were applied to the debt When I requested the original account number assigned to the debt, the collector said it was not provided to her. When I asked to confirm that she was not able to provide me with the original account number, she denied this but continued to say that she could not provide it. She was only able to provide me with the amount, date of service and doctors. She directed me to call my insurance for more information. When I asked her to again to confirm that she could not provide the information legally required for debt collection, she let me know she was ending the call and hung up on me.
Product: Checking or savings account

At the end of XXXX we received our paycheck, we tried to use our debit cards but the charges were being declined. We looked at our bank account and noticed that our direct deposit check was removed from the account. We called the bank the following day, and they told us they were closing their account. We asked them why they were closing our account, and they said that it was in their right to close our account. They never gave us a reason. We told them fine, and said we would like to withdraw our money. They then told us that we would be unable to withdraw our money due to an investigation needing to happen. We then went into a chase location, and was told that we would not be able to withdraw money. We've been called Chase again, and was told that we can go into a bank and withdraw the money. Chase told us several times that we could go into a bank and withdraw our money, every time we go into an actual physical location, we were denied our funds. Chase said that within XXXX to XXXX business days after closing the account they would mail us a check. For the remaining funds of our account. They have yet to mail us a check for our checking account. In the amount of {$840.00}. In the past XXXX weeks we have called several times to inquire about our money, we were then rerouted to several phone lines, at one point we were on hold for XXXX hours and then hung up on. We received a notice in the mail on XX/XX/XXXX that our account was closed on XX/XX/XXXX. OnXX/XX/XXXX there was a direct XXXX charge for the amount of {$840.00}. We have yet to get a hold of anyone or received the remainder of our checking account balance.
Product: Student loan

I have having difficulty with Mohela and accurate billing. I keep getting billing errors, and conflicting information from representatives and supervisors when I call to fix these errors which are making it impossible to fix!!!! On XX/XX/XXXX and XX/XX/XXXX I paid {$270.00} for my XXXX and XXXX billing cycles ( respectively ). Totaling {$540.00}. Due to issues Mohela incorrectly billing, I was informed XXXX billing would be put in administrative forbearance and I could have the payments I had made could be applied to future payments. On XX/XX/XXXX, I paid another XXXX for my XXXX billing. I also submitted for my new XXXX plan which was set to expire. mohela eventually placed me in another administrative forbearance for processing. I also called in XXXX to have the XX/XX/XXXX and XX/XX/XXXX payments applied to XXXX, XXXX, and the balance to XXXX under my new XXXX payments. When I was later billed for XX/XX/XXXX for XXXX, I called on XX/XX/XXXX. The representative was unable to find the error and had my request a call back from a supervisor. I received a call from a supervisor the following day ( her named was XXXX? ). She wasnt sure why I was being billed. She saw the account said those payments were applied but couldnt see what it was applied to. She would mark it as paid ahead and submit another request which would take XXXX days. On XX/XX/XXXX, the payments still were not applied to XX/XX/XXXX payment. I called again and spoke to the supervisor XXXX, who would expedite the request so that the bill would be fixed in a few days. He said if it wasnt fixed by XXXX, I should call the supervisor line again and ask for a call back. On XXXX, I still had a bill due XXXX for XXXX, so I called the supervisor line and heard back from XXXX. XXXX said it had been reviewed on XXXX, and that the reason why im still being billed for XXXX is that it had been determined that those payments could not be applied to XXXX, XXXX, or XXXX since I was now under a new XXXX payment plan and so it wasnt the same initial plan I had paid towards. I would have to pay my bill due XXXX since it was a different plan. I paid this bill for XXXX immediately on as soon as I got off the phone. While I was still on the phone, I asked XXXX if that money I had paid on XX/XX/XXXX and XX/XX/XXXX could never be applied under my new XXXX payment, would it be refunded? She put in a refund request and said it would take XXXX days. NOW that I have paid the XXXX bill for XXXX and asked for the refund form the XXXX and XXXX payments, I can see that XXXX was completely wrong!!! The XXXX I paid in XXXX WAS applied to XXXX, XXXX, and XXXX! But now Ive paid an extra XXXX bill when I shouldnt not have AND there is a refund request that isnt needed since it was applied to later dates. This is beyond a confusing mess, and I worry about how XXXX inability to keep track of information so supervisors can properly advise people is making paying bills confusing and could potentially mess up the payment counts for my PSLF! I need all of this mess fixed ASAP
Product: Payday loan, title loan, or personal loan

I applied for a home equity line of credit w/Bank of America. The process began in approximately late XXXX-or early XXXX.I dealt with XXXX   XXXX, Fin.lending officer, Assistant Vice President. He himself guided me through the process. At approximately mid-XXXX he informed me that I'd secured the loan, but there were still a few loose ends I had to address. Every item B/A asked for, I complied, including me filing 3 different notarized papers in the court of records.Next, he informed me that B/A can't verify my pension in that is it for life or temporary. The bank manager talked w/ my pension people. I served 25 years at XXXX. I retired XXXX. XXXX called to informed me that B/A denied the loan because they couldn't determine if my pension was for life or not.B/A sabotaged my loan which reflects a XXXX practice. They promote false advertising in that they're here to help.So no retiree from XXXX or any other pension has gotten a loan using their pension as income.And why wasn't this brought up at the beginning instead at the very end? B/A kept pulling rabbits out of the hat. Remember, XXXX told me to my face that I'd secured the loan. So, obviously I and my family are disappointed, to say the least.
Product: Student loan

I requested a refund of my payments made during Covid emergency on XX/XX/2022. I made a follow up call in XXXX to check the status at which time the representative decided to make a 2nd refund request. At this time I am extremely frustrated and am at jeopardy of losing my home while waiting on this refund. I requested this refund over 4 months ago and I have not received a single update about this and it is well beyond ridiculous that this is not a priority at this time.
Product: Debt collection

I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX  bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX  balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX  Experian The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX to have late payments on an account removed. At the time the account was closed I thought there was a zero balance. I personally was going through bankruptcy and this account was not a part of the bankruptcy. It was paid off. I stopped receiving statements and no longer had access to the account. When I found out there was a balance of {$200.00} it was quickly paid off. I provided a payoff letter from the bank. My daughter is also an authorized user on the account and it is adversely affecting her credit score too. I have sat on hold for 3 hours with XXXX and BMO is absolutely not helpful.