23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates. 
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls. 
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications. 
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through? 
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore. 

Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.
Product: Debt collection

There are many inaccuracies in my credit report. I don't recognize this CAP ONE AUTO. The Date of Last Active differently ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX is not reporting this account. Also, if it is a charge-off account then there should be no balance on this report.
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 XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First National Bank of Omaha ( FNBO ) violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Vehicle loan or lease

On XXXX, XXXX 2021 I entered a Consumer Credit Transaction at XXXX the dealership located at : XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I entered the credit transaction for a finance of a XXXX XXXX XXXX XXXX XXXX  XXXX number : XXXX. 

During the transaction XXXX XXXX XXXX and XXXX coerced me into making a cash downpayment of {$10000.00} which is a clear violation of 15 USC 1605 as there should be no cash involved in a consumer credit transaction. After that they unlawfully with no consent from me placed a lien on my property by lying to me.

After that I went home and realized I was violated as a federally protected consumer under the Truth In Lending Act, I decided to exercise my right to rescind pursuant to 15 USC 1635. I sent out my written notice to the dealership and XXXX XXXX because they were included in the transaction through XXXX without my consent . 

Once I Exercised my right to Rescind the necessary action to reflect the termination of the security interest created under this Consumer Credit transaction should have been made, but was not. 

The written notice was delivered to both corporations on XX/XX/2021 with tracking numbers : 1. XXXX 2. XXXX These two corporations have failed to stay in honor and compliance with the Truth In Lending Act by lying and creating a fraudulent loan when this was a Consumer credit transaction not a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and notified EXPERIAN credit bureau who is not helping and removing the fraud address and account off my report. they keep telling me they can not read my police reportI HAVE BEEN FORCED TO GET A 2ND POLICE REPORT which they still say they can not read. how is that my problem they can call the police station that issued the report. I have already been going through enough since my identity was stollen and used. they are not removing it giving me the same excuse why do I need to go get a 2nd police report when I already got one but I still went ahead and got a 2nd one. this is unprofessional, they are rude to me, yelled at me and the supervisor I asked to be transferred to used profound language with me and hung up the phone. that is so unacceptable as a supervisor to do that. I am already stressed out and this has taken a toll on me I don't need this from them. they said they could not read the first police report I went and got a second one. I do not know what the issue is and why they are doing this to me. somebody should take a look into there company. by FCRA 508b they are obligated to block/remove the account/s if provided with a valid police report, within 4 business days. which they have been provided with 2 different ones. they are breaking the rules and law. EXPERIAN needs to remove the fraud account from XXXX XXXX off my report immediately and remove the fraud address of XXXX XXXX XXXX XXXX XXXX ca
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX _ Date open_______XXXX_____________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount_XXXX
Product: Mortgage

Previous complaint number XXXX, I submitted a complaint on XXXX/XXXX/2016 stating that I submitted a payment via epay. I have spoke to SEVERAL not helpful service agents. Supervisors XXXX and XXXX both were not helpful at all and never escalated my issue. XXXX finally listened, escalated the issue and my payment was found ( misapplied to another account ) and posted to my account. The payment is held now in an unapplied status and not posted to any monthly payment. It is just sitting there since XXXX/XXXX/2016, although Ditech responded to my original complaint this issue is not yet resolved. The unapplied status has been ongoing since XXXX/XXXX/2016, XXXX is aware and have escalated but the payment is still not applied and on XXXX/XXXX/2016 I will be again assessed another late fee. How is this happening and how is Ditech getting away with it. I work in the " Securities ' industry and the regulations would not allow for any of this without someone being called to the carpet and held responsible for the flurry of misapplied funds. I need this resolved .... Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

paid for services i discontinue transunion is still taking money out of my account regions not letting me login and remove the inaccurate charge from transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Wells Fargo placed a hold of over a week on deposited funds from a business check. They said the hold is due to the check writer 's signature line. The first person I talked with said it was due to my signature and that the first letter of my last name was separate from the rest of my name. She was then rude and told me since I was on the phone there was no way she could verify it was really me and told me no one could help me out. I asked to talk with her manager. He told me he was a customer advocate, so not her manager. He investigated the signature line and said there was nothing wrong with my signature but that it was due to the signature of the check writer and the lack of a business name on the check. He then transferred me to a Wells Fargo Executive after I insisted on speaking to someone who could help me out. He tried saying my time was valuable and he did not want to waste my time, trying to avoid transferring me. XXXX, the executive spoke with me and connected me to a department that was supposed to help release the hold. XXXX in that department told me that they needed a notarized letter from the company to prove that they wrote the check and signed the check to me. My account is now overdrafting due to the hold on the deposit to my account and I am unable to provide needed items for my family.
Product: Money transfer, virtual currency, or money service

I asked Wells Fargo to issue a cashier 's check for {$3600.00} on XX/XX/2021. This check was then mailed out and lost in transit. I went to one of their branches on XX/XX/2021, to place a stop payment on that check to prevent it from being cashed by anyone who might have possessed it. The stop payment was placed successfully, and they told me that I had to wait 3 months for the check to be reissued and paid to me. During this visit, I specifically asked the banker if someone tries to cash the check, will it affect me getting my money back in time, and they answered no. 

In XX/XX/2021, after the 3-month waiting period, a banker contacted me and informed me that someone attempted to cash this check during the waiting period. Though the attempt was not successful, I would now not be able to get the check reissued and have my money back. They told me that I had to instead wait for 3 years. 

Wells Fargo confirmed that the money is still with the bank, and I am the owner of the money. Therefore, it is unreasonable for them to hold it. Additionally, this new 3-year waiting period had never been communicated to me before. 

I filed with Wells Fargo an internal complaint, which they told me would be resolved within about 10 business days, and yet they took over a month to arrive at a resolution, which is that I still have to wait for 3 years. During their investigation, they extended the timeline multiple times and changed the case specialist without notifying me. I tried reaching out but got line-busy / unable to reach multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.
Product: Credit card or prepaid card

I opened an Amazon Synchony Credit card to paid for a purchase of two electric bikes on Amazon on XX/XX/XXXX for {$1300.00}. The bikes delivered about two weeks later and it was not in proper working condition. As advised by Amazon to work with the seller and I did for six months with no progress from the seller. The seller missed multiple dates that he promised to send the battery and other parts. I did everything that was asked by Amazon and seems like they are just telling me what I want to hear and buying time. The last conversation I had with Amazon in early XXXX was the purchase was too far out and they can not do anything about it. I went to Synchony Bank which is the credit card the transaction was made but they didn't help much. I have provided Synchony documents of conversations I had with the seller that he is not fulfilling his promised that Synchony should reverse the transaction. Synchony did not reverse the transaction and I'm stuck with broken bikes and {$1300.00} in debt. I'm sorry but the seller is a con-man and I'm stuck with the bill. Multiple times that this seller mentioned that he does not want his bikes back and not sending me a paid postage label. I really need help on this because I felt like Amazon, this seller and Synchony Bank are not reasoned with me and protecting the bad faith seller and I'm stuck with the bill. Any help with this would be greatly appreciate it as I don't know any other way. I do not want this to ruin my credit that I worked really hard for for many years. 

Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit card or prepaid card

I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX Reported Date XX/XX/year> {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name and 4 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.
Product: Credit reporting

I had Listed myself as a Healthcare Proxy for a Friend that passed away in XXXX XXXX. 
and Shortly after her Death I have a Company called XXXX of XXXX, XXXX XXXX XXXX Collections in XXXX, XXXX on My Credit File. I wrote to them Telling them I am a XXXX resident and I was not related to or Married to the Person acquiring Debt. I have asked three times to prove that I am the Maker of the Debt,. and they just keep sending a statement from them, not the People that they actually acquired the debt from. Now they have placed my Name, SSN and Wrong Address on my CF saying I lived at the XXXX Address and this is MY Debt. It is showing on my Experian CU, and ( XXXX and XXXX have removed it ) because of them reporting Incorrect information and horribly destroying my Once VERY Good Credit Score.. Pleease assist me in dealing with this Horrible Company. There are approximately XXXX Different Collections that they are listing incorrectly, even after I have asked them to remove if from my CU.
Product: Debt collection

Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.