23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I put in a complaint with you about Portfolio Recovery Associates. I had asked for a list of supporting documents for validation purposes and all they sent back was several invoices and a 1 paragraph explanation. 

CFPB, please help me. I want to know since the FCRA and the FCBA says I have a right to ask for these documents that I needed such as 1. Proof of original contract with my signature 2. Provide verification as to why you say I must pay this debt.

3. Please furnish the amounts and ages of each debt 4. Please send proof of all billing statements sent to me since you are claiming that I owe to the original creditor 5. State the amounts of debts when you obtained it and when that was 6. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amounts of each added amount.

7. Please provide proof of last billing statements sent to me since you are claiming that I owe these allege debts.

8. Please provide proof of any payments or other reductions since the last billing statement from the original creditor, I am requesting a full verification as well as documentation of the amount you are trying to collect. Please explain how that amounts were calculated. Also include an explanation on how the other changes/adjustments are expressly authorized by the agreement creating the debts or permitted by law.

9. Also furnish when the creditor claimed these debts became due and when it became delinquent 10. Provide proof of the dates of the last payments made on each account and by what method 11. Lastly provide proof of your license to collect in my state and send with that your license numbers and registered Agent or Agent of Service.

12. Proof of sale between Portfolio Recovery Associates and the company you purchased these allege debts from that has been notarized 13. The assignment clause from the original contract that I supposedly signed.

14. Please provide me with the account number used by the creditor and the amount owed to the creditor at the time this account was transferred 15. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to your company Portfolio Recovery Associates did not provide not 1 of these documents. And I want to know why and why is it okay for them to continue to report this unverified and invalidate account on my credit report. It's not right and something needs to be done about it now please.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only XXXX payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management
Product: Credit reporting or other personal consumer reports

There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with XXXX, Transunion and XXXX. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on my credit report
Product: Debt collection

I want to write to day about the following accounts with Portfolio Recovery Associates : 1. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$380.00}. 
2. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$1100.00}. 

Portfolio Recovery Associates has been committing many violations to my rights as a comsumer since a long time ago. Some of those violations are : - Both accounts have been re-aged and have incurred post-charge-off intrest. 
- Incorrect and inconsistent last activity date. 
- Ive been been getting excessive phone calls from automated dialers from Portfolio. This is a violation of the CCPA. 

All I am asking is the mentioned accounts to be removed from my report. 

Please send to Portfolio the documents that I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm tryin to advance in my life to provide for my family.
Product: Debt collection

I am being charged {$2300.00} for a XXXX XXXX a car establishment that I have never made. This is a result of identity theft.
Product: Credit reporting or other personal consumer reports

Capital 1 has 3 credit cards listed as charge offs and I never received a 1099c for them.
Product: Debt collection

I disputed this account on XX/XX/2022. This account was deleted by XXXX and XXXX. XXXX refused to delete this inaccurate account. I have been harassed by this collection agency. I did not receive the proof of investigation from XXXX. I am suffering from severe XXXX from this, where I am now taking XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I Referred to collections for an item XXXX XXXX XXXX that is not valid or collectable/ XXXX  Possible Defamation of Character XXXX  Cell Possible FACTA & Title 15 USC Issue In Reference to : USBank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bank sent me to collections due to an XXXX pre-authorization. The transaction never occured. It was a preauthorization. This did not stop the bank from assessing a NSF fee and monthly fee before sending the account to three different collection agencies. I was told if I wanted the matter taken off of the XXXX report I had to pay their collection agency. That seems like blackmail to me.

I contacted the collection agency and they settled with me for approx XXXX XXXX. I was initially informed that the collection agency was planning to send a payment to the bank and the bank was supposed to cut me a bank check. I am not personally aware that the payment has been sent to me. I was informed that it was bit have not seen a record of payment so far. 

According to the individuals that answer the phone at the phone number for USBank, and I say that because I am starting to believe it is a third-party call center because when I called on XXXX when an individual placed me on hold, and I heard offers about XXXX XXXX  for home and business customers. This causes me to believe that it is a third-party call center that is serving multiple accounts. 

I believe I was sent to collections on a non-collectable matter. The collection agencies have not sent me written communications, verification of debt. I did not receive a final statement until I requested it. 

I will do some research and determine if the paid amount to the collection agency was refunded to me. I also need the false information immediately removed from the XXXX report, as it is not accurate and defamatory, and a possible violation of federal law. I contacted the bank last night XXXX I was offered a fax number for a dispute department but this is a matter that is required for USBank to contact XXXX to remove the information from the report as they are the reporting party as per their collection agency. I would offer additional information but due to FOIL regulations, I can not offer account numbers, for further infromation.
Product: Credit card

I have XXXX credit card accounts with Synchrony Bank. I access XXXX online. Today I received an e-mail from Synchrony Bank informing me that someone had looked up my online account ID. A few minutes later, I received a notice that my password had been reset. These things occurred without my knowledge or consent. At all times, I had not disclosed the password to my e-mail account connected to the account, and I had my credit cards in my physical possession. Immediately after Synchrony Bank allowed this to happen, I was informed an unauthorized {$300.00} charge had been fraudulently posted to my account. I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so easily compromised. Because I have no confidence in Synchrony Bank 's security measures, I requested XXXX accounts be closed immediately. I want an answer from Synchrony Bank explaining how they allowed this breach to occur and I want proof that they will investigate and cause criminal action to be taken as the criminal had replaced my personal information with theirs, i.e., they have clues to investigate. XXXX could not provide this information or assurance. I feel my legitimate concerns were not taken seriously by the Synchrony Bank employees I spoke with. Further, they do not allow you to easily speak to a representative, but must first spend several minutes on a voice automated system. Their e-mail fraud alerts should contain a dedicated fraud hotline that you can call to immediately speak with a representative -- please see the attached e-mails, which ( a ) do not contain a customer service number to call ; and XXXX b ) do not allow a reply to a monitored e-mail box -- they only contain a mail address, which is absolutely useless in the event of fraud, where fast action is needed. This is inexcusable -- Synchrony Bank should absolutely make this information available IN EMAILS THEY SEND WARNING OF POSSIBLE FRAUD. I do give Synchrony Bank credit for notifying me of the breach, but the fact the breach was allowed to occur so easily is inexcusable and I ask that the CFPB please investigate and punish if warranted.
Product: Credit card or prepaid card

In 2017 my ex husband used my Information during our separation and got a credit card and left me in debt {$570.00}. I had no knowledge that my social and name was used to start an account because I am against even using credit cards back then and he never paid the bill and all mail went to him I assume because I was never sent any information about the credit card or that I was being sent to collections.
Product: Debt collection

You all sent me a letter for a debt collect with a person 's name on it pretending to be me using my address and it should be sent to their address.
Product: Credit reporting or other personal consumer reports

15USC CODE1681 Consumer reporting agencies have assumed a vital role in assembling a and evaluating consumer credit and other information on consumers. 

15USC CODE 1681B In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us
Product: Debt collection

Date of XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Turned over to Louisiana Recovery Service in XX/XX/XXXX by original creditor. Collection agency did not contact me via mail or telephone concerning the debt except for a letter dated XXXX AND reported debt to credit reporting bureau prematurely. 

When I spoke to the agency on XXXX, the manager XXXX, stated that the debt was " reported 365 days after the date of service '' Effective XX/XX/XXXX, medical debt collections over {$500.00} can not be reported until they are at least 365 days past the first delinquency. I believe that this company has violated the Fair Credit Reporting Act and my consumer rights under the Fair Credit Reporting Act
Product: Debt collection

After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.
Product: Credit card or prepaid card

Synchrony Bank is sending me bills for things I never purchased.
Product: Credit card or prepaid card

I bought two " will call " XXXX  Tickets to be picked up & used by my indigent friends in XXXX, Az at a XXXX   XXXX serving as a station.this was on XX/XX/2018 on my US Bank credit Visa card. Last four XXXX ... .When they arrived before departure they were told the bus was running two or  more hours late out of XXXX XXXX XXXX Nv Since it was cold &  uncomfortable they asked to have their tickets rescheduled for a later time but were told that it would cost {$40.00} more CASH ONLY to reschedule, my friends had no funds & the clerk could NOT take an additional charge to my debit or charge cards. My friends could not borrow or come up with additional CASH! This whole incident is / was outrageous & unfair! The tickets were never used! I therefore have requested a dispute of the {$190.00} on my credit card ... ..the bank initially complied but the XXXX XXXX XXXX disputed my complaint! Thank you, XXXX XXXX
Product: Student loan

I filed and submitted the proper documents to the ACS, to have my student loan deferred, placed on forbearance, and delayed due to economic hardship. However, the company refused to assist me nor would process the documents. Currently, I am unable to repay my student loans due to social and economic hardships placed upon me, at not fault of my own. I have been prevented from gaining satisfactory employment, causing me not to be able to sustain a livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am convinced that Equifax does not read disputes or truly investigate. They just send the same old generic responses. Attached is documentation that XXXX XXXX XXXX XXXX has placed incorrect information on my credit report. The date of 1st delinquency is incorrect and the company is reporting it incorrectly on purpose so that they can leave the information on my credit report longer than the 7 years they allowed to by law. I have attached a detailed bill. Please see the 1st date of delinquency and get this off of my report please. 


They also have an account listed from XXXX XXXX XXXX and they keep saying we confirmed this is your bill. This is NOT my bill. My daughter is XXXX XXXX XXXX. She went to the dentist. NOT me. I am the person that pays for the insurance premiums but that does not legally make me the guarantor or legally responsible for her bill. This is not my bill. Those are not my teeth!!! But Equifax sends a generic response saying it's been confirmed as my responsibility. HOW?!!! 

Thanks.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS XXXX INC. WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. ALSO STATED : Account/Reference No. : XXXX, SELLER : XXXX XXXX. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt. I have no tacit agreement nor any privity of contract with you and/or THE ABOVE MENTIONED FIRM. JEFFERSON CAPITAL SYSTEMS , INC. IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE OF ANY CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX INC. 'S CLAIM IS UNSUPPORTED BY AFFIDAVITS AND DEPOSITIONS AND IS INCOMPLETE. THE CLAIM IS HERESAY. JEFFERSON CAPITAL SYSTEMS , INC. ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. FURTHER STATED : JEFFERSON CAPITAL SYSTEMS , INC. IS ATTEMPTING TO FURNISH THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, RESULTING IN DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ]. ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), JEFFERSON CAPITAL SYSTEMS , INC. HAS BEEN SUED NUMEROUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). THERE IS NO PROOF TO THE CONTRARY.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, XXXX have been re-added to my credit profile by your office ( XXXX ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX : - XXXX Employer XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX AUTO - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Your agency XXXX in breach of the law! According to XXXX XXXX. XXXX section XXXX A, I am entitled to privacy. Furthermore, XXXX XXXX. XXXX Section XXXX A Section XXXX specifies that a consumer reporting agency XXXX not provide an account without my explicit written permission. Additionally, XXXX XXXX. XXXX. ( a ) ( XXXX ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, XXXX XXXX. XXXX ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.