23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these accounts, Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery AssociatesXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Communication To Whom It May Concern, I am writing to formally demand that you cease all communication with me concerning any alleged debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which mandates that upon receipt of a written notice from a consumer requesting cessation of communication, the debt collector must halt further communication except to notify the consumer of specific legal remedies or actions.

It has come to my attention that your actions may have violated my rights under the FDCPA. Below are key concerns : Harassment and Unlawful Communication Practices : Under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct designed to harass, oppress, or abuse. Any further communication in defiance of this notice will be considered harassment and reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Misrepresentation or False Statements : Pursuant to 15 U.S.C. 1692e, debt collectors must not use any false, deceptive, or misleading representation in connection with the collection of any debt. If you have engaged in such practices, this letter serves as formal notice that I will not tolerate such actions. 

Applicable Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirmed that attorneys engaged in debt collection practices are subject to the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinforced that ignorance of the law is not a defense for debt XXXX under the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Highlighted that any communication that violates the FDCPA, including improper notices, subjects collectors to liability. 

This notice obligates Portfolio Recovery Associates to immediately halt all contact with me. This includes, but is not limited to, phone calls, letters, emails, or any other means of communication. Failure to comply with this request will leave me no choice but to seek all available remedies under the law, including but not limited to filing a complaint with the FTC, CFPB, and state attorney generals office. Additionally, I reserve the right to pursue a private cause of action under the FDCPA for statutory damages, attorneys fees, and other remedies. 

If you believe this debt is valid and you intend to take legal action, you are permitted under 15 U.S.C. 1692c ( c ) to notify me of such actions. However, any other communication will be considered a violation of this cease-and-desist demand. 

Please confirm in writing within 30 days of receipt of this letter that you will comply with my request. Any further contact in defiance of this demand will be interpreted as a deliberate violation of my rights under federal law. 

Sincerely, JXXXX XXXX XXXX XXXX
Product: Student loan

I received a Copy B of a 1099-C form from Nelnet on behalf of a private student loan with their company Firstmark Servicers LLC XXXX XX/XX/2023. This form indicates : " You received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. '' The debt obligation has been discharged, however, this has not reflected on my account with them and they have continued to send me communications stating repayment status has initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 
Delete all accounts that has violate my rights to privacy and has not furnish my written agreement. 


Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates ( PRA ) keeps calling me even though I have told them to stop many times over the past XXXX  plus years. I suspect this is about old ( stale ) credit card debt that I no longer owe.

If so, PRA 's continued attempts at contact me are a direct violation pursuant to FDCPA, 15 USC 1692g et. seq.

Please make the stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022, I called to EARLY WARNING SERVICES , LLC, in order to get the result of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, AND THE RESULT WAS SET TO BE ANSWERED ON XX/XX/2022, AFTER ONE MONTH OF INVESTIGATION. I called today to hear THE RESULT OF THE INVESTIGATION OPENED ON XX/XX/2022, AND THE AGENT XXXX, EMPLOYEE # XXXX TOLD ME THAT EARLY WARNING SERVICES WAS NOT GOING TO GIVE ME ANY ANSWER UNTIL I RECEIVE SOME ENVELOPES THAT EARLY WARNING SERVICES SENT ME SOME WEEKS AGO AND I RETURNED THEM TO THE SENDER. THIS COMPANY IS COMMITTING A RETALIATION CRIME AGAINST MY PERSON BECAUSE I DO NOT WANT TO RECEIVE THEIR UNEXPECTED MAILS. EARLY WARNING SERVICES IN VIOLATING MY CIVIL RIGHTS REJECTING TO PROVIDE THE ANSWER OF AN INVESTIGATION. THIS INVESTIGATION IS ABOUT A HARD INQUIRY POSTED IN MY PROFILE IN A FRAUDULENT WAY.
Product: Debt collection

Sunrise credit Services has impacted my XXXX XXXX without contacting me. I have disputed this collection twice with no contact from Sunrise. Both disputes they only reprocessed the original incorrect information to XXXX. 

SUNRISE CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$XXXX} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$XXXX} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$XXXX} Highest balance - Terms - On record until XX/XX/year> 2030
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told experian, XXXX, and XXXX to reinvestigate these accounts XXXX. XXXX XXXX acc  # XXXX XXXX  XXXX acc  # XXXXXXXX XXXX XXXX acc  # XXXX 15 U.S.C 1681 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XX/XX/2021, a credit line was open on PayPal credit without my consent. I had no idea that it was open until XXXX XXXX when there was a purchase of {$86.00} was made. I did not make this purchase and would like to report fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute on XX/XX/2020 and XX/XX/2020 with transunion they failed to reply
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information that appears in my credit report removed. The items I need to remove are listed in the report below. I am a victim of XXXX XXXX  and did not make the unrecognized charges. 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 Commissions Identity Theft Affidavit. I urgently request that the following items listed be removed as soon as possible.
Product: Debt collection

XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX  ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX  nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Small Business AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to Experian, XXXX and XXXX XXXX. The Federal Trade Commission had opened up an investigation on Experian, XXXX and XXXX XXXX for not deleting and removing all the fraudulent inquiries listed on my Experian, XXXX and XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit card

I REQUESTED A CXREDIT INCREASE ON A SYNCHRONY BAND CREDIT FOR XXXXXXXX XXXX. WHEN I REQUESTED THIS I WAS DENIED BUT THEN I LOOKED AT MY ACCOUNT COME TO FIND OUT I HAD A XXXX LINE OF CREDIT AND THEY REDUCED THAT DOWN TO XXXX MY CREDIT SCORE WAS MID XXXX NOW ITS MID XXXX BECAUSE IT DROPPED OVER XXXX POINTS BECAUSE OF THIS. I HAVE NEVER BEEN LATE WITH MY PAYMENTS, NEVER MISSED A PAYMENT NOTHING I EVEN PAY MORE THAN THE MINIMUM PAYMENT. I CALLED THE COMAPNY ALL I GOT WAS EXCUSES. I FEEL I TREATED VERY UNFAIRLY AND SOMETHING NEEDS TO BE DONE ABOUT THIS.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX  XXXX balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXSubject : Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) ** To Whom It May Concern, I am writing to formally notify you that the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : - XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy. Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that predates the report by more than XXXX years. 

Finally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for any person to furnish 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. 

I request that you immediately investigate this matter and take appropriate corrective action. Please provide me with written confirmation of your actions within 30 days of the date of this letter. If these violations are not promptly resolved, I will consider further legal action to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX Case Number : XXXX ; XXXX XXXX DE XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies continue to report my student financial information incorrectly. The account has been discharged under agreement of XXXX, XXXX. The 1099-C was accepted and processed by the IRS. Since this was a certificate of indebtedness and is considered income the reporting agencies should not be reporting this account. I have tried to get the record corrected with no success. Under the Family Educational and Privacy Act my educational records should not be shared with third parties. The reporting agencies are not ANY affiliation to any educational institution therefore they should not have my educational financial records. Any termination of a consumer credit that has a balance due over one dollar is credit to the consumer, therefore reporting this account with a balance is inaccurate reporting which is a violation of the Fair Credit Reporting Act. Several of the accounts are also listed multiple times on the credit report which means this report is not accurate which federal laws states the reporting agencies MUST maintain 100 % accuracy.
Product: Prepaid card

Purchased a {$100.00} gift card from InComm Financial Services ( Vanilla Gift card ) in order to use with a specific vendor to purchase items for my XXXX XXXX. I have made purchases with these gift cards 3 times before with the same vendor with no problem.

When this current gift card would not work, I tried getting help from the InComm Financial Services for this card. The first help line person could tell me nothing and continued to read " canned '' responses. I asked to speak with a supervisor. She did the same. After I asked her to stop reading and to look at my card to see why it was not being accepted, she finally stated that she could not see why. I asked to speak with someone above her to try to find out why the card would not work.

She told me that there was no one to speak with regarding my problem.

I have also spoken with the vendor. They state that the problem is that the gift card does not show up as valid EVEN though the gift card online data shows AND the help desk people with InComm Financial Services state that I have {$100.00} on the card which is enough funds to make the purchase.

When I asked how I can get my funds back so that I can find a way to purchase the specific items from the specific vendor that I need, I was told that there was not a way to do that since I had already told the help desk that the card and packaging looked okay.
Product: Vehicle loan or lease

1 ) Breach of Contract ( Lease Agreement ) : XXXX failed to adhere to the " Total Loss '' provisions ( Section 25 ( b ) ) of lease agreement. 
XXXX sold the vehicle without proper legal repossession, contradicting their contractual obligations. 
They are claiming default, which also contradicts the contract, given the vehicle was a total loss. 

2 ) Unauthorized Disclosure of XXXX : XXXX disclosed my Nonpublic Personal Information ( NPI ), including details from a police report, potentially violating the Gramm-Leach-Bliley Act ( GLBA ). 

3 ) Illegal Repossession/Sale : Vehicle was stolen, and XXXX did not legally repossess it from me before " selling it ''. 

4 ) Contradictory Actions : XXXX 's letter claiming " broken promises '' contradicts the " Total Loss '' provisions and their obligation to end the lease. 

5 ) Financial Harm : I suffered financial harm, including the loss of down payment ( {$6000.00} ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( {$3100.00} ), lease payments, and the value of trade-in. 
Credit score has been damaged, leading to loan denials.

6 ) " Total Loss '' Circumstances : The deer strike rendering the vehicle inoperable, followed by the theft, both constitute a " Total Loss '' under your lease agreement.
Product: Debt collection

Several attempts have bin made to contact collection agency below for account validation, NOT verification. I respectfully requested that this agency provide me with competent evidence that I have any legal obligation to pay them, witch they have failed to do so. 
Collection Account : Receivables Management P, in the amount of {$510.00}. 
Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, for XXXX XXXX capital one sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights