23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$710.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX  and the

account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I submitted correspondence to Synchrony Bank because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Synchrony Bank on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

0n XX/XX/year> I received letter in the mail from XXXX XXXX XXXX stating they denied me for auto refi, I never applied or gave this company authorization consent to run my credit, this prompted me to look at my credit report to my surprise I saw 3 other agencies that ran my credit report FRAUDULENT without my authorization consent all 4 inquiries are hard inquiries. I have no knowledge about these finance companies nor did I authorize or give verbal or written consented. Remove these Fraudulent companies and their hard inquiries from my credit report. 
Transunion File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Fraud Thank you for your attention to this matter!
Product: Checking or savings account

1. A small claim in LA Court has been filed with Capital One for providing misleading information on XXXX transaction. The case # is XXXX. Please let me know which person I can serve the legal documents. 

2. On your multiple response, you never explained the voice call I've attached. During the call, the agent from Capital One confirmed with me XXXX is cash transaction and its completed once the money is deposited into the account. 

3. I've been using XXXX to transfer with friends before and never had issues. We can go to the court to request the transcript you mentioned in XXXX XX/XX/XXXX and XX/XX/XXXX. If I wasn't told the wrong information, I wouldn't use XXXX for transfer. Can you please clarify if you believe the attached voice recording is misleading or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notifications on my phone about my credit account that I had opened a new credit account and it was a credit account of over XXXX $ and they told me that they were going to send an affidavit to fix problem but I dont know what happend and I have to fix it because its affecting my credit score
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, XXXX XXXX XXXX, XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX Balance : {$480.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$740.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX : {$480.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXX XXXX : {$630.00} ; XXXX XXXX Balance : {$880.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my Equifax report of {$98.00} that should not be on my report because it was fraudulent.
Product: Credit card or prepaid card

see complaint #  XXXX  when I logged into my account it indicates the the complaint was closed and settled with monetary settlement that 's not true , Well 's Fargo  agreeing to pay 2 months of fees ( {$41 0.00} ) after  stealing 4 years of fees is unexceptable complaint #  XXXX  states th at Well 's Fargo lin ked my credit card to my checking account therefore when an overdraft happened the y ( Wells Fargo ) wou ld move {$45.00} from my credit, apply {$20.00} to the overdraft and pay themselves {$25.00} in fees running up a total of approximately {$19000.00} in fees. I never consented to this overdraft protection nor did I consent to linking my credit card to my personal checking account. The  Enforcement Action  of     XX/XX/XXXX /16    directed well 's  Fargo to  compensate consumers for opening accounts without their consent or permission. This is no compensation, I w ant Well 's Fargo  to refund all fees associated with this overdraft I have c ontacted Well 's Fargo  and they refuse to compensate me through the enforcement action. We ca n't really expect them to police themselves, they have to be made to do so. They open an account without my permission run up fees, pay themself. We ( We ll 's Fargo  and I ) ca n't resolve this therefore I need help from CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present.

XXXX, TRANS UNION, AND XXXX   made my life miserable.

I can not refinance my house loan.

I can not cash out since 2002 till present.

As a XXXX XXXX I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports.

Credit card companies will not approve me.

Banks will not approve me to obtain loans.

I have to purchase Bond to enable me to do b and c loans.
Product: Debt collection

On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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: Debt collection

Portofolio recovery for sevral years had tried to collect a debt that was opened by fraud. 
They have never sent me a piece of paper with any proof of my owning this acount.They sent me a bill stating this was mine. They have never proven legal ownership in any way yet they continue to say it's mine
Product: Credit reporting

Checked my credit report after filing complaint with CFPB on XXXX. Was finally able to get access to the dispute forms and the XXXX XXXX account scheduled for deletion XX/XX/XXXX2017 was still on record. After already registering with my report number, name and social security and placing the dispute in the " dispute cart '', when I attempted to upload as instructed, I was taken to another form which requested the same ( and more ) information which was already a matter of record in order to get access to the report in the first place. Screenshots attached. Designed to discourage?
Product: Credit reporting or other personal consumer reports

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit file that I have disputed and was removed but then placed back on my credit report i have tried disputing this issue several times this account was never paid late and was paid in full and closed this account should not be reported as negative i have reached out to the original company and they have also contacted experian and advised this account to be removed
Product: Debt collection

I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. 
Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. 
I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.
Product: Checking or savings account

A former employee used altered date checks to withdraw money from our business accounttotal amount XXXX {$47000.00} $ unauthorized consumer purchase transaction was taken from our account in 2.5 months. 

The bank does not want to file disputes for us, and inform us to contact the merchant.We have contacted them all of them ask us to file disputes with my bank.
Product: Credit card or prepaid card

It has been more than six months to resolve disputes with Citi Bank. Every time I call, someone in XXXX or XXXX tells me its processing, just wait. I am so tired of waiting.
Product: Checking or savings account

I made an appointment at a bank of America branch after being paid for my vehicle to cash a check for {$8000.00}. The check was written on their bank, and I don't deal with a local bank at this time. They refused to cash it because I did not have an account with them and did not want to even see the ID I brought with me that included, drivers license, passport, and XXXXXXXX XXXX XXXX
Product: Debt collection

I've paid the debt and it still on my credit report as in if i owe and i dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

I had XXXX stolen from my checking account. My bank was XXXX. They said i gave Permission. I never did. Then it happened again. They shut down my account never told me. Now all of a sudden i am getting some money back. I do not know how much. To fine out there was a hole a lot of people that had money stolen from them. When they are using that bank. Fdic is supposed to Protect me from this. No one has help me out at all. They all said it was my fault. Not true. They need to refunded my hole money back. Not just a little. All my XXXX. Not cool. I hope you can help me.
Product: Consumer Loan

In XX/XX/XXXX I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In XX/XX/XXXX my now ex girlfriend became XXXX.. In XX/XX/XXXX I lost my job and it was n't until XX/XX/XXXX that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in XX/XX/XXXX we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for XX/XX/XXXX I believe ... I then contacted them as while they have been sending all these collection notices they have also been sending more of those checks hoping I would cash another.. Which I have not.. Cant afford the loan I do have ... Anyway I contacted them and then went to see them this morning.. I took them a payment and told them I needed to know when I took out the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for XXXX on XXXX XXXX, XXXX Then in XX/XX/XXXX I borrowed another XXXX ... They combined the loans and I had been paying XXXX a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for XXXX I have paid in XXXX. XXXX ... I have a balance of XXXX outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling XXXX-XXXX times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?
Product: Debt collection

Someone who got had information forged my signature on a lease for a place. They even falsified their own names as occupants on the lease. After 1 month they were evicted but the company is coming after me for over 8000 dollars. Not exactly sure where the XXXX comes from if they were able to get it rerented within 60 days but regardless it was fraud to even have me on the lease. I have tried to dispute it with the credit bureaus but had no success. I have also tried communicating with the company to let them know that this is not mine and i never signed a lease or stayed at their complex. Please help. Its effecting my ability to get a home loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove the charge off from my account with your company. Despite repeated efforts on my part to resolve this matter, the charge off remains on my account, causing significant distress and inconvenience. 

The inability to remove the charge off from my account not only reflects poorly on your company 's customer service but also raises serious concerns about the accuracy and integrity of your accounting practices. As a loyal customer who has consistently met their obligations, I find it unacceptable to be unfairly burdened with a charge off that I have diligently attempted to resolve. 

Furthermore, the lack of progress and communication regarding the status of my request only exacerbates my frustration and erodes my trust in your company. I have not received any updates or explanations regarding the reasons for the delay in removing the charge off, leaving me feeling neglected and disregarded as a valued customer. 

I demand immediate action to rectify this situation and ensure that the charge off is promptly removed from my account without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns.With this, I am asking for your assisstance to remove this account in my credit file : XXXX XXXX Balance : {$19000.00}.