23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen.

Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.
Product: Credit reporting or other personal consumer reports

DO NOT ALTER ANY LETTER OR WORDS IN THIS COMPLAINT, LIKE WHAT HAS BEEN DONE IN PREVIOUS COMPLAINTS. Which I have screenshots to prove it. 


This is the XXXX complaint and last one EVERYONE want to continue to thwart justice and law. So they can continue to create securities for profit and keep all the profits. And disregard the FCRA and EVERYONE who has put in a joint effort. 
To deceive and ignore the law. I will be filling a complaint for FRAUD with the security exchange commission. 

As I previous stated in my previous complaint. EXPERIAN it has been improper use of my credit report. They have blocked my IP address from communicating with them. As well as my telephone number XXXX XXXX who I will be filing a complaint with SEC against them as well. Because they have blocked all communication with them as well. The company investigation was handled with pure prejudice and retaliation simply because I NOW know my rights. 

And they wish to play legalese games and if I dont give them every code. They chose to ignore me send me touting message such as NA/Na/Na. They have obtained and used my information for the purposes of PROFIT that is against the law. 

The ONLY way we can settle this is them restore my credit score to XXXX and remove EVERYTHING I requested in the last complaint. Anything they removed I do not want to see a ( + ) or a ( - ) next to alleged debt ONLY paid in full. 

EVERY and I mean EVERYTHING they had my credit report the last time I was allowed on their website before they blocked me was provided without my written authorization. 



The 1st Complaint Was closed. XX/XX/XXXX  TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts. I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off my BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. No one never told me ( BENEFICIARY ), I could opt-out because I have right to privacy. I am also requesting this information that is due to identity theft be block within 4 days being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request to block the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER. And the law says section 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. Respectfully, XXXX : XXXX , BENEFICARY UCC 1-30 WiITHOUT PREJUDICE I RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Product: Credit card or prepaid card

On XX/XX/2023, I was placed on hold for 23 minutes when trying to get the credit balance on our American Express card refunded to us! The customer service rep dragged us through ringers despite the initial authentication asking me 5 security questions in order to finally me that they will transfer the funds BACK to our bank account!! 

American Express is claiming that they can ONLY send ut the check! And they are refusing to send a check to the NEW address we want the refund check to be sent! 
The balance owed us by America Express on this car is in excess of {$3000.00} US dollars but despite that, we have NEVER gotten ANY notification that we have over-paid the credit card by mistake! 

This is a clear case of abuse where these Credit Card companies will not leave any stone unturned when they are collecting, but will make us miserable when they OWE the consumer 's money!
Product: Vehicle loan or lease

Sold financed car, payoff check was received by US Bank ( confirmed by XXXX tracking and signature ) on XX/XX/2022. As of XX/XX/2022, the loan payoff check has not been posted to the account, a late fee has been applied, and customer service is unwilling to provide any further information about receipt and processing of the payoff check and unwilling to transfer my call to somebody who can look into the issue. Loan check documentation and tracking information is attached for review.
Product: Checking or savings account

On XX/XX/2019 I received a letter dated XX/XX/2019 from XXXX XXXX, Senior Product Manager at XXXX   XXXX. This letter was in reference to complaint # XXXX to the CFPB ( Consumer Financial Protection Bureau ) for an account closed by said bank. In the letter it was confirmed that the account was closed by XXXX XXXX and an early closure fee was assessed. Also, it states that since the account closing was initiated by the bank, XXXX XXXX would refund the closing fee ( minus any incurring interest the funds gained while in the possession of said bank ) by check in the amount of {$25.00} USD. It is now XX/XX/2019 and I have yet to receive any reimbursement from XXXX XXXX. I've contacted XXXX XXXX 's customer service line and they have no record or initiation of said refund. I was told someone would get back to me as soon as possible on the matter. I'm accounting this information with the CFPB to further expedite the claim.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax updated a listing ( XXXX  XXXX XXXX : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; Equifax is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where Equifax proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents XXXX  from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?
Product: Credit reporting or other personal consumer reports

Experian credit bureau isn't giving out accurate information on my credit report, to credit card companies. They are notifying lenders and credit card companies that I have delinquent with accounts. 
I have excellent credit scores with XXXX is XXXX and XXXX is XXXX, So why is Experian not even XXXX how can that be accurate. I am being denied credit cards because of Experian Comments and inaccurate information. This is bringing my XXXX  SCORE down. This is outrageous that Experian is having Technical issues with the system. I have tried reaching out to them several times now and got Nowhere, They tell me thar there system are down and call back. 
I want to know why my score is so low.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Credit card or prepaid card

IN XX/XX/2023 I OPENED AND GOT APPROVED FOR A CREDIT CARD WITH XXXX XXXX XXXX  AND THE CREDIT CARD FROM SYNCHRONY BANK CREDIT CARD. SINCE I HAVE NOT RECEIVED THE PHYSICAL CREDIT CARD OVER THE MAIL, I CONTACTED THE CUSTOMER SERVICE DEPARTMENT AT SYNCHRONY BANK, I EXPLAINED THE SITUATION AND THEY TOLD ME THEY WERE GOING TO SEND A NEW CARD, BUT I NEEDED TO ANSWER SOME QUESTIONS. I AGREED, AND THEY STARTED ASKING THE QUESTIONS AS IF I HAD LOST OR IF THE CARD WAS STOLEN, THEY ALSO ASKED IF MY WALLET AND GOV ID WAS STOLEN OR LOST. I EXPLAINED TO THE LADY THAT I HAD NOT RECEIVED THE CARD OVER THE MAIL, AND THAT IT HAD NOT BEEN STOLEN. THAT THOSE QUESTIONS WEREN'T RELEVANT TO MY CASE. SO I ASKED TO SPEAK TO A SUPERVISOR, THE SUPERVISOR BASICALLY TOLD ME THAT IF I WOULD NOT ANSWER THOSE QUESTIONS, I WOULD NOT GET THE CARD. THEY MADE ME WAIT OVER AN 30 MIN AND THEN THE CALL GOT DISCONNECTED. MY CONCER IS THAT I WAS APPROVED FOR A CREDIT CARD IN THE AMOUNT OF {$12000.00} AND NOW I DONT HAVE A PHYSICAL CARD.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle Handel if of disputes particularly in light of the recent cfpb lawsuit highlighting the significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me of the lost refunds were impossible was unfeasible the cfpb findings indicate that zelle has not only neglected to protect consumers but has also but has allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack of vulnerability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card

USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$670.00}.
Product: Student loan

I have been dealing with Student Aid and Nelnet both at the same time by submitting requested information and communication so they both are on the same page with my account and yet they do not seem to communicate with one another. I have submitted a complaint to Student Aid about Student Aid and also a complaint to Student Aid about Nelnet. I am seeking to be on the SAVE Plan which I have submitted my request to both parties and Nelnet it is so hard to reach, documents you can not submit online to their site, the email feature does not work and to get in touch by phone I am left on there for hours no matter the time of day until I hang up and if you get a live person it is by the grace of XXXX. I would like to know what is happening with my account by someone who actually knows because it seems reps will say it's being processed, say or ask me things without even reviewing my account first or anything other than the truth to appease me during the call or to get me off the phone. I've already stated to both parties the amount is too high when it was on standard and still unaffordable when they brought it down to the monthly XXXX amount. My account is currently on forbearance but the interest is still growing while my application is just sitting. If I couldn't afford it then I don't know how I will afford it when I finally do get an answer on my owed amount. I am extremely mortified on how my account is being handled as these outsourced companies had ample time to get in gear for the rush of customers they would have to serve. All I have asked from both Student Aid and Nelnet is for my SAVE application to be processed & my account updated in a quick and professional manner so that we are all on the same page. Even though I visit the sites every couple of days for insight I am still confused on what's happening because Nelnet 's wording weirdly phrased, and Student Aid just passes everything off to Nelnet to guide customers and Nelnet seem just as confused as us customers. I should not have to be left to wait & wonder for months for an answer as it seems they are purposely leaving my account in waiting so the interest will grow which will result in a strain on me financially. I hope this matter can be resolved quickly and efficiently.
Product: Checking or savings account

On XX/XX/2023 at XXXX PM I received an email from JPMorgan Chase Bank offering a {$900.00} bonus for opening a Chase Total Checking + Chase Savings account. 

I clicked on the " Open an account '' button in the email which indicated that the coupon code present in the email would be applied to my account, and proceeded to open both a new checking and savings account. 

I received a confirmation email that my new accounts were opened at XXXX PM on the same day. 

The terms indicated that I needed to complete two tasks : 1 ) transfer {$15000.00} in new money to the savings account within 30 days, and maintain the balance for 90 days from opening, and 2 ) set up direct deposit within 90 days of enrollment. 

For task 1, I transferred money on XX/XX/2023, and am still awaiting the 90 days. 

For task 2, I had my first direct deposit to the checking account on XX/XX/2023. 

On XX/XX/2023 I submitted a secure message to Chase inquiring about the checking portion of the bonus, since it had been about a week since I completed task 2. In my secure message, I asked to confirm if the coupon code was applied to my account. I was told that it wasn't applied, and in a subsequent message that it could not be applied since it was more than 21 days since I opened the account. 

I think this is unfair since the offer email and the account opened email are only two minutes apart, so it is clear that I followed the open account link present in the email. I also think this is unfair because there is no indication whether the coupon code was applied at the time of opening the account, and I couldn't have known it wasn't until Chase failed to pay the bonus well after 21 days when it would be too late for a customer service representative to correct it.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX