23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This communication is a follow-up in regards to closed complaint XXXX-XXXX  Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Product: Student loan

Since Navient started administering my loans, all aspects were chaotic. First, I lost track of loans. Secondly, I was billed numerous times while still in school. Consequently, I believe I was being charged undue interests for numbers of time. Thirdly, even after I apply for in-school deferments, out of nowhere, I received billing statements of due payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 U.S.C. 1681section 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.

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 conviction 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 imformation 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

I believe this account is invalid. BARCLAYS BANK DELAWARE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.BARCLAYS BANK DELAWARE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a charge-off in the amount of {$1700.00} on the XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account is reporting an incorrect balance and I have not been provided with an itemized statement on this account even though I have requested one. 
This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX
Product: Mortgage

I was attempting to apply for a new mortgage loan and was told by a BBVA representative that I could not proceed nor would they accept an application due to having DACA status ( Deferred Action for Childhood Arrivals ). I was not given a clear explanation other than stating that they do not consider DACA as a non-resident applicant.
Product: Student loan

NAVIENT Courtesy Loan Forbearance due to Defense to Repayment investigation is not being applied. Navient continues to insist the Department of Education has not contacted Navient for a courtesy Forbearance although I have verified with the DoE and FSAO via FSA Borrower Defense Application : XXXX Navient will not acknowledge this Borrower defense and continues to put me on extended holds ( 45+ minutes - 90 minutes ) then transfers again for no reason.
Product: Credit card

When I applied in XX/XX/year> and was immediately approved they advertised a promotional {$300.00} statement credit if I purchased/stayed at an XXXX XXXX XXXX That the credit would take XXXX weeks to post to my account. I stayed at XXXX different XXXX XXXX for XXXX nights each time, during the month of XX/XX/year> and XX/XX/year> and have never been extended the {$300.00} credit advertised. I would call several times a month, for the last XXXX  months, to claim my credit and was told I had a valid claim and my issue was being escalated to a supervisor or other department that could approve and post the credit. It is now XXXX and still no credit. Today XX/XX/year> I was told for the first time by a supervisor that the reason it has not been extended is the charge from the XXXX hotel is not being billed to them as a XXXX XXXX and therefore the system does not extend the promotion. This is completely FALSE, when the representative himself acknowledges that we in fact have stayed a XXXX different XXXX Hotels and it was for this sole reason I applied for the card to begin with. He explained it a system error. The customer service supervisors claims he has not authority to extend the promotion and open a case with the marketing department Ref # XXXX, so they may determine whether or not they will extend the credit. This after XXXX  months of me calling- spending my work hours to resolve this issue and never being told the credit was in dispute. They are grossly misleading the customers, to then not extend promotions offered! The worst part is that they are using a billing system error to justify it. 

The credit card is a Chase Credit Card XXXX XXXX and back up my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

several fraudulent accounts appear on my crepdit report from identity theft
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

There was an issue with my address on my nordstrum credit card account, causing my card and statements to go undelivered. We have finally resolved the issue please update records and remove late payments.
Product: Credit reporting or other personal consumer reports

Credit bureau and creditor of XXXX XXXX  to illegally report late payments during the pandemic. I have sent a dispute for 3 months straight an they do not remove it or follow The law of the cares act The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.
Product: Debt collection

On or about XX/XX/XXXX I received a strange voicemail stating I needed to call a number regarding a court case against me. I called the number was told they were merely an answering service, and was transferred to an outside " office ''. 

A woman answered, she stated she worked for an attorney. The woman actually gave me information about myself, including my current address and place of employment. 

The woman stated this was regarding a credit card from back in XXXX with a credit line of {$300.00}, stating that payments to this card stopped within that year ; she then stated they were going to obtain a judgment against me for {$8700.00}. I informed her this has to be fraud, as I did not have a credit card in XXXX and have had many loans for cars and a home after XXXX, surely this would have been brought to my attention during any of those transactions. I asked her for proof, she became difficult to deal with, stated that they do not make appointments to " serve '' me with paperwork. I asked her then how am I to know what this is really about and be able to speak on my own behalf? The woman stated that I clearly did not want to know the information and didn't care and repeated that they would just get a judgment against me. 
I stated to her that not only was this fraud, tis happened 19 years ago, if this was valid, statute of limitations expired many years ago. 
The woman would not assist me, would not give me information to be able to obtain any paperwork so that I could fight for myself and the call was ended. 

From this point, I called the local courthouse in XXXX XXXX, I was told they had NO open cases with my name attached, and that there was a lot of fraud happening, and this fit that description as they would have to had any hearing in my local county. I then checked the Oregon court website to find if they were trying to serve me in XXXX Ca. and hold court in Oregon, which is not to be done ; I found no open court cases with my name and neither XXXX courthouse or Oregon court yielded any results for the " case number '' I was provided by the woman on the phone. No one ever came to my home, nor my place of employment to attempt service. 
Recently, Oregon Credit & Collections Bureau Inc. sent paperwork to my place of employment to attempt garnishment in the amount of {$8700.00}, stating they did not know my address and they rolled the date to XX/XX/XXXX so they can now be within statute of limitations. At o time have I ever received anything in the US mail over the last 2 decades regarding this so called debt.
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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX Date XXXX Amount : {$4100.00}
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 identify theft and did not make the charge. I ask that the following 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 of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I am also a victim of the Equifax Breach.
Product: Credit card or prepaid card

Recently audited my annual bank statement to better ensure my taxes for business expenses. I noticed a closed DISCOVER account from 2002 still auto-drafting $ XXXX/mo. I have learned from Discover card that I am paying approximately $ 30-35 in interest towards about a $ XXXX balance. They can't determine the original balance because it is too long ago. I have not received a bank statement, email or call regarding my account balance or summary. I have lived in my home for 6 years ... there has been no attempt to reach out to me regarding the returned mail. Instead, they have collected my auto draft payments for 20 years. 

I am flabbergasted a credit card company is not required to notify me of my balance at a monthly or annual basis. Much less, inform the consumer with balance, interest and principal payments. 

Today, I have paid about $ XXXX in interest for 20 years with little to no principle reduction. Discover offered me 3 months credit on interest which is approximately {$97.00} reduction to pay off {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

I had a student loan with Chase back in 2006. At the time I was going through financial difficulties and did not pay. Because of that, my student loan went into default. I have since applied for a mortgage and was told this loan had to be resolved in order to go forward in the pre approval process. I have spent the past month calling numbers, leaving voice mails, getting passed back and forth and still have not been able to talk to someone to help resolve this loan. Chase tells me all private student loans were sent to XXXX and XXXX is telling me they were never/do not have my account.
Product: Student loan

This is a follow up to the complaint I submitted on XX/XX/2021. Despite me making a payment on that date, Nelnet continues to show my account as past due. My payment is due on the XXXX and I logged in on XX/XX/2021 to make a payment and my account is showing past due and when I select the link to make a payment, I get an error message. I have screenshot both the past due message and the error message, attached. Prior complaint number : XXXX.
Product: Debt collection

Dear CFPB, On XX/XX/2024 I wrote a complaint to you regarding Aldous and Associates inaccurately reporting a collection ( account XXXX ) on my credit reports. The response I received on XX/XX/2024 did not include any documentation to show that Aldous and Associates did NOT violate my consumer rights under 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) 2 ( 7 ) ( A ). 

I request that this account is immediately deleted from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. 

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. 

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.

Thank you again for your assistance. 

Regards, XXXX
Product: Checking or savings account

My account was hacked and they used my ENTIRE paycheck. Over {$800.00} in XXXX day. The charges are all from businesses in XXXX, XXXX or XXXX. I am in XXXX. I can prove I never left. Also, looking at my previous charge pattern, I dont eat out. I dont know how XXXX person could make XXXX different restaurant purchases and XXXX different movie theatre purchases in a few hours. 

This happened on a Friday. Everyone gets paid on Friday. These charges happening after I got paid is not indicative of any special awareness of my account balance. Friday is payday for everyone. 

I was not aware of the charges until I got an insufficient funds message. The thiefs obviously just kept charging until something got declined. I immediately froze my card and XXXX more charges tried to come through after that. 

You are FDIC insured for this sort of occurrence. Why is my claim being denied when its so obviously fraud??? The transaction pattern is definitely indicative of fraud. XXXX restaurants and XXXX movie theatres in 1 day?! 

I just opened this XXXX account and this is my second direct deposit and someone drains my account?? Ive had my XXXX account for years and never had any issues. So this is a security issue on your end and I need my money back.