23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/25, at XXXX XXXX, I received a phone call from Portfolio Recovery Associates , LLC ( PRA ). The caller asked if I was " XXXX XXXX '' and attempted to get me to confirm personal information. I did not confirm anything and immediately ended the call. 

After the call, I researched the company. Based on information from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I discovered that Portfolio Recovery Associates does not have a debt collection license in Michigan. Despite lacking a license in Michigan, they attempted to collect a debt from me, which may be a violation of Michigan state law.

I have no prior knowledge of any debt owed to this company. They did not provide any details about the alleged debt, such as the original creditor, account number, or amount owed. Additionally, they have not sent me any written notice regarding this debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the CFPB to investigate this company for : Attempting to collect a debt in Michigan without a proper license.

Failing to provide written notice of the alleged debt.

Attempting to obtain personal information without verifying the debt.

I would like a written response from Portfolio Recovery Associates, including : Proof that they have the legal right to collect debt in Michigan.

A full debt validation notice, including the original creditor and account details.

If they can not validate the debt or prove they are legally authorized to collect in my state, I request that they cease all collection activities and remove any negative reporting from my credit file if applicable.
Product: Debt collection

Navient was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted Navient in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to Navient for student loan payments. 

I previously spoke to Navient in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( TransUnion, XXXX, and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Product: Debt collection

I am looking for removal of their reportings on all major credit bureaus, a copy of the contract between myself and IQ DATA INTERNATIONAL INC, and per my fee schedule on my XXXX  I requested {$25000.00} that I can legally sue them for at this point a per XXXX they have NOT furnished anything and administratively I am now holder in due course of this arrangement per their silence and admission of falsely defaming my name publicly, I am requesting {$10000.00} for use of my Social security number per my XXXX filing Number XXXX. They have been notified not to contact me via phone but by written correspondence only.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by Equifax.

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to me being a victim of identity theft. I was first given the run around about my documents then was told you call in 7 dats to have this items removed immediately. I contacted Equifax on XX/XX/XXXX to confirm receipt and get issue resolved but the rep told me it would take 30 days. I initially filed the dispute on XX/XX/XXXX and uploaded my docs on XX/XX/XXXX. The rep stated the system open another dispute so now I have to wait until XX/XX/XXXX for the dispute to be resolved. This is ridiculous! I sent in my documents and provided my confirmation # XXXX which was my first and only dispute. Equifax needs to honor my original dispute and not try to push my dispute back another 30 days due to system error. The rep XXXX stayed she sees the documents but can not add them to the initial dispute even though she sees I added the correct confirmation #. This issue needs to be resolved immediately.
Product: Bank account or service

XX/XX/2016 on of our newly opened business account was " taken over '' and over {$10000.00} was stolen by a thief by the way of ATM, department store purchases and in branch cash withdrawals of various amounts not exceeding {$2500.00} at different branch locations. 
A Banker helped us open a claim with WFB and was able to retrieve the money stolen from our account through the ATM. However, WFB rejected the in-branch cash withdrawals totaling {$9400.00}. 
For 6 past months I 've been told by the Banker that this is a mistake and that claim would be re-opened and re-evaluated. But no progress has been made. 
All requests to the supporting documents such as photos/videos used by WFB to reject our claim have been stone walled. 
The bankers do n't take our calls or return our messages. I spoke directly to the claims department and they said they will let me know 'if ' ( yes I confirmed they did say 'if ' ) the documents were available and that they do n't necessarily need to have documents to reject a claim.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent account from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Checking or savings account

Subject : Complaint Regarding Unauthorized Transaction on XXXX XXXX Dear CFPB, I am writing to file a complaint about a n unauthorized transaction that occurred on my XXXX XXXX account. 

Details of the Incident : Date of the Transaction : XX/XX/year> Transaction Amount : {$1000.00} Recipient or Description of Transaction : XXXX XXXX Refunded the funds to a XXXX XXXX XXXX XXXX. I have never sent or received any money from the Business. I do not know this person. I called XXXX XXXX and explained to them that this is a mistake, and they told me that there is nothing they can do about it and that it is finale. I reached out to Chase Bank ; they gave me the funds back until they did an investigation. On XX/XX/year> they reversed the payment and gave it back to XXXX XXXX XXXX XXXX. XXXX told me that the reason they gave them my money is because they verified who they were. I explained to them that I'm disputing the fact that I never sent them money. No one from XXXX reached out to me for any documents or statements that may have helped with the investigation. I have tried to look this company up and could not find anything. I believe that I have been a victim of Wire fraud and Chase Bank is allowing it to happen. 

My XXXX XXXX Account Details : XXXX XXXX  This Transaction was neither authorized nor initiated by me. I discovered the issue on XX/XX/year> when I reviewed my account. 

Steps Taken So Far : 1. I contacted XXXX XXXX support via their in-app support feature on XX/XX/year> to report the unauthorized transaction. When i couldn't get it resolved with them, I contacted Chase bank. 
2. I requested a refund and provided all relevant details, but XXXX XXXX denied my claim. 
3. I also reported this matter to my bank XX/XX/year> but also denied m claim. 

Despite my efforts, this matter remains unresolved. This has caused financial and emotional stress, as this unauthorized withdrawal directly impact my account balance. 

Desired Resolution : I am seeking the CFPB 's assistance in securing a refund for the unauthorized transaction and ensuring the XXXX XXXX and Chase Bank improves its handling of such cases, including providing timely and fair resolutions for its users. 

Supporting Documents : I am attaching any relevant documentation, including screenshots of the transaction, correspondence with XXXX XXXX Support, and my bank 's communication. 

Thank you for reviewing my complaint. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have already filed a complaint on this and I get the same thing back they say they daily deal for XXXX. But they seem to fail to mention about the XXXX for some individual to state the fact that they sent all these different paper work invaded my privacy. But it doesn't matter it seems. So if I get run over it okay then it's should be fine for me to go to the whole social media and let everyone know what happened who was the ones who got to pull there weight around and from what I know have to worry about from all of this BECAUSE I CONSTANTLY CALLED AND WORKED WITH THEM AND THEY COULDN'T EVEN HELP US BUT THEY TURNED AROUND AND SOLD IT FOR XXXX. I AM WILL LET MY VOICE BE HERD. I AM NOT THE TYPE TO DO SO BUT I AM ADAD WHO NOW HAS A DAUGHTER WHO WANTS TO END HER LIFE GOOD JOB CHASE YOU WOULDNT EVEN TALK WHEN I CALLED YOU AND YOUR LAWYERS GAVE ME A RUN AROUND FOR XXXX DOLLARS. WOULD YOU SEND MONEY TO SOMEONE YOU CANT SEE WITH ALL THE SCAMS YOU ARE A HIPACRIT AND A FAKE. I WILL RETURN THE HELP YOU GAVE ME AND THAT IS A REALLY NICE THING FOR THE FUTURE IN BUSINESS. AND I KNOW IT DOESNT MATTER YOU COULD CARE LESS ABOUT BUT IF YOU GRAB A BULL BUY THE HORNS YOUR GON NA GET THE BULL. SEE YOU ON TV OR IN THE PAPERS. I LOST EVERYTHING
Product: Debt collection

I am filing this formal complaint to bring to your attention the egregious violations committed by XXXX, XXXX, XXXX, and other credit reporting agencies ( CRAs ) concerning their refusal to validate the accuracy of an alleged debt negatively impacting my credit report. Despite multiple requests made in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., these agencies have failed to produce an original signed agreement or sufficient documentation substantiating the validity of the debt as required by law.

Violations : Failure to Reinvestigate and Verify Accuracy : Under 15 U.S.C. 1681i ( a ), CRAs are obligated to conduct a reasonable reinvestigation of disputed information. My requests for validation included a demand for an original signed agreement to substantiate the debt. Despite this, the agencies have maintained the disputed account on my credit report without providing adequate evidence, violating their statutory duty to ensure accuracy.

Unlawful Reporting of Inaccurate Information : Section 15 U.S.C. 1681e ( b ) requires CRAs to maintain reasonable procedures to ensure maximum accuracy in consumer reports. Continuing to report unverifiable information contravenes this standard and has materially harmed my creditworthiness.

Failure to Provide Consumer Disclosure : Section 15 U.S.C. 1681g mandates that CRAs disclose all information in a consumers file upon request. Their refusal to provide the requested signed agreement constitutes a blatant disregard for transparency and consumer rights. 

Harm to Me as a Consumer : This unresolved dispute has had a profoundly adverse effect on my creditworthiness. As a result of the CRAs actions, I have been unjustly denied access to credit opportunities, which has caused significant financial and reputational harm. Their refusal to provide proper validation has placed undue burden and stress on me, while unjustly maintaining unverifiable information in my credit file.

Responses ( or lack thereof ) received from these agencies.

Evidence of the negative impact this issue has had on my financial opportunities.

The actions of these credit reporting agencies undermine the principles of fairness, accountability, and transparency that the FCRA seeks to uphold. I trust the CFPB will take swift action to rectify these violations and ensure compliance with consumer protection laws.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if additional information is required.
Product: Credit card

Open credit card on XX/XX/year> via XXXX XXXX and Ally blocked my online access on XXXX XX/XX/XXXX with no reason. I called for answers and I was given none they said they would call me back I was never called back in 6 days and when I called back on that 6 day they refused to help me give me any customer service or any answers as to what was going on and told me to continue waiting for a call. I even spoke with a supervisor whose name was XXXX who could have cared less and was completely unprofessional and told me that there was no way he could help me and this is supposed to be a supervisor for Ally who offered nothing but unprofessionalism. Ally is a very shady company by not even willing to help a client and just giving them the runaround telling people to wait for calls that never happen.
Product: Checking or savings account

JPMorgan Chase Bank , N.A . has failed to take responsability after giving another person access to my bank accounts, locked me out of my online account, changing address, alerts and personal information and requesting a debit card to another address to empty both my accounts. 

It has been a month since I first tried to report it ( XX/XX/2022 ) and they gave an answer on XX/XX/2022, they insist on saying I made those changes and transactions even after I sent them both XXXX and american police file reports, a Federal Trade Comission report and a Consumer Financial Protection Bureau complaint where I declare that I was a victim of theft and did not request those changes. 

The ammounts are {$10000.00} USD on a checking account and {$31000.00} USD on my savings account.
Product: Credit card or prepaid card

I just have a problem, with the XXXX XXXX report still showing a court report, there 's no longer a court issue because I been paying on it through XXXX XXXX XXXX, please remove that off my credit report, it makes my credit look bad, and I 'm really trying to improve my credit, I have been in good standing with paying my bills and will continue to do so, please remove that court mis information from my report, I have mobed on to doing better
Product: Money transfer, virtual currency, or money service

XXXX XXXX,2024 I Zelle my daughter {$400.00} dollars to her old phone number when I realized I called XXXX and explain they said okay we will cancel the transaction 7 days later and still missing my money called XXXX they said the person you send it to received the money we cant do anything. Try contacting XXXX. Explain the situation to XXXX they said no sorry we cant do anything now Im missing {$400.00}
Product: Mortgage

I bank with Freedom Mortgage. Via their website, I sent {$50000.00} additional principal. Instead, they took {$7700.00} and applied to interested and future payments and only applied {$42000.00} towards principal. They said they had already fixed it, yet XXXXXXXX XXXX later and it is not fixed. They were NOT pleasant with me on the phone, as if I was putting them out. 

I wanted it escalated so I could bring to their attention that they are doing this automatically to people and if we are not watching our accounts closely, they are *taking* our money!
Product: Debt collection

I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 
This item SOUTHERN MANAGEMENT SYSTEM account # : XXXX in the amount of {$2200.00} is inaccurate because Pursuant to Pacific Concrete F.C.U. v. Kauanoe, statements and consumer contract are not sufficient evidence of debt. My rights under the Fair Debt Collection Act Pursuant to 15 U.S. Code 1692g ( a ) have been violated by SOUTHERN MANAGEMENT SYSTEM for failure to provide a dunning letter or any validation of debt prior to attempting to collect. I was not disclosed of my right to dispute this alleged debt Pursuant to 15 U.S. Code 1692g ( a ) ( 4 ). I am demanding that SOUTHERN MANAGEMENT SYSTEM have the account # : XXXX removed from all consumer reports. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item upon receipt of this notice Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Debt collection

The doctor did NOTHING to relieve my XXXX that was diagnosed a few days later by my PCP! I do not want to pay for a service i did not receive!!!!
Product: Debt collection

I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
Product: Credit card

Balance $ XXXX - $ XXXXI have reasons to believe that the information provided by these sources, particularly the collection account from JPMCB CARD is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. 
I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Product: Student loan

I am having issues with Mohela posting my payments on time to my account. To stay current I always make my payments before the due date. I made a {$500.00} payment to Mohela on the first of XXXX. XX/XX/XXXX came around and I called to ask why my payment was not posted. The customer service rep apologized and explained that it takes up to 3 days to post. I explained that I didn't want this reported to my credit report. She specifically said that she was new and that the call was being reported for training purposes and explained that her supervisor was there to assist. She said it would be posted to my account and would not reflect on my CR as being late. I waited a few more days. I went back to check my account on XX/XX/year>. I am still receiving communication that my account has been reported to a collection agency to collect. The amount was posted to my account on XX/XX/year> and then reversed on the same day, now the balance was over {$950.00} showing in late status. I have sent emails and calls forwarded to automated service. I sent two more payments, one of {$950.00} and another one in the amount of {$1000.00}. The {$950.00} showing was received on XX/XX/year> and now the account is still showing a negative balance. My balance should be current and then some for the next upcoming months. My concern is my credit report, where is the {$500.00} that was retracted and the {$1000.00}? I understand this is a new platform being transitioned but this is ridiculous when you have customers trying to get issues rectified via phone, email system, or any other means to get this resolved and you are being ignored with no response but a collection agency threatening your credit. If you go back and look at my history before the transition and now I have had and maintained an excellent payment history even through this crazy government outcome. I never asked for assistance in repaying my government debts and I think it's unfair and unacceptable for my account to have come to this and can not get any assistance to resolve this issue within XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX BANK OF AMERICA 5XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}