23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Through this message I wish to convey the harassment I've experienced from Portfolio Recovery Associates. This company has been trying to collect debts from memultiple accounts without my knowledgedating back to XXXX. Some accounts even had incorrect names or addresses associated with them. I have received letters regarding wage garnishment, and they have successfully garnished my wages based on judgments retroactive to XXXX and XXXX, all while lacking a reasonable basis for these claims. These unlawful actions have significantly impacted my physical and mental well-being. 

Additionally, Portfolio Recovery Associates has failed to properly investigate and resolve disputes related to their credit reporting. They are known for submitting misleading affidavits in debt-collection cases, falsely asserting their ability to prove debts if contested, and misrepresenting their legal claims on debts beyond applicable statutes of limitations. They have sold debt, threatened legal action, and filed lawsuits without the intent to substantiate the debt, along with making false representations. 

I have been a victim of this illegal bullying process, and enough is enough. I have rights under the CFPB, and I believe that Portfolio Recovery has violated federal consumer financial laws not only against me but against many others. I deserve a thorough investigation, and I intend to pursue legal action against this unscrupulous company that has evaded accountability for too long. Despite previous lawsuits, they continue their practices unchecked. Please advise.
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from Credence Resource Management on XX/XX/2022 in the amount of {$1600.00}. First and foremost, I have confirmed that the debt collector Credence Resource Management is not licensed in the state of Florida to collect on this debt. Secondly, Credence Resource Management violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Credence Resource Management? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Credence Resource Management has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1600.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Credence Resource Management provides me with competent evidence that I have any legal obligation to pay them. I asking that Credence Resource Management to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6XXXX show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Credence Resource Management immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Credence Resource Management agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Credence Resource Management agrees to remove my personal information from all accounts in its companies database.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached. 

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.
Product: Consumer Loan

i sent gm financial a certified letter on XXXX/XXXX/16 in which they received on XXXX/XXXX/16 tracking number XXXX they have failed to respond to my request
Product: Credit card or prepaid card

I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. 

I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX  cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! 

If USAA disclaimer was made clear, I would not have accepted those terms. Who would? 

They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX Inquiries XXXX XXXX XX/XX/24 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have received two letters from SoFi ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in the last few weeks, and both include this statement : " Federal student loan forbearance ends on XX/XX/XXXX. '' This is false information. Federal student loan forbearance was extended on XXXX XXXX, XXXX until XX/XX/XXXX. 

I received the second letter from SoFi on Thu. XXXX XXXX, XXXX ( see image from USPS Informed Delivery ), which is over a month after the forbearance announcement was made. 

SoFi is sending false information to student loan borrowers pressuring them to refinance their loans with their company. 

This is both unethical and illegal. Vulnerable student loan borrowers may be pressured by this false information to refinance their loans with SoFi, which benefits their business. 

I kept the second letter; please let me know if you need more information, and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I am being charged overdraft fees when the account is not negative. However after the overdraft fees are charged, this puts the account in the negative. This has happened on more than XXXX or XXXX occasions. The last XXXX dates were XX/XX/19 and XX/XX/19. On XXXX a check went through the bank for {$550.00}. This left the account with {$13.00}. XXXX days later on XX/XX/19 I was charged an Overdraft Fee of {$36.00}. This now left the account - {$22.00}. This happened again XX/XX/19 when the last withdrawal of {$150.00} left the account with {$17.00}. Once again was charged an Overdraft fee of {$36.00} however the account was not negative until after the overdraft was process. 

When calling the bank, they can not explain why overdraft fees are being charged when the account was NOT in the negative. First time it happened, PNC assisted with fees and refunded the overdraft fees. The past XXXX times, I get told sorry wont allow a refund. I have black and white proof account was not in negative! I should never of been charged over draft fees!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Discover Bank, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible account holder, I expect institutions like Discover Bank to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Discover Bank 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Discover Bank may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Discover Bank may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Discover Bank, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Discover Bank 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau wi ll take necessary steps to safeguard consumer rights.
Product: Debt collection

I have an overdraft on my wellsfargo account that I am disputing. I used to live with my parents when I first started the account and no longer do. Wellsfargo not only repeatedly calls my parents home phone, multiple times a day, but also on one phone call, actually began to speak to my parents about the situation violating my right to privacy by speaking with my mother about my private banking information.
Product: Debt collection

Repeated phone calls and letters from XXXX XXXX XXXX and Security Credit Services , LLC to get {$1700.00} for WHY NOT LEASE IT. I told them I was a victim of identity theft and I had never done business with WHY NOT LEASE IT. They repeatedly asked for my social security number and where of no help. They continue to harass me over a debt that is not mine. I have had a fraud alert with the three credit agencies for years.
Product: Mortgage

Hello, I was overcharged for services that were provided by PennyMacUSA, my current servicer. They charged me {$820.00} for an appraisal and when I spoke to the appraiser, the charge was {$420.00}. The average cost of an appraisal is {$450.00} in my area in Texas. I also got quotes from 3 additional appraisers and they quoted the same amount.
Product: Debt collection

This collection agency has had several different people call me, my family, my friends and my manager at my place of employment which I can not have personal calls at work. The first person XXXX XXXX called my work number from, when she was told I could not received personal calls at work she demanded to speak with my HR department because she wanted to serve me with papers at my place of employment. She was told she could leave a message but keep insisting to speak with HR. After the call was disconnected she called back from another number and again demanded to speak with the HR department. Again was told no personal calls at work and her message would be given and to cease and desist from calling. She then called my manager and told him she needed to speak with me about a personal matter. One week later I get a call from XXXX on my cell phone, I specifically said please stop calling. Two weeks later I get 3 calls the last one leaves a message XXXX XXXX telling me he was going to forward my paper work for legal action, he also once again called my manager at work tell him a claim is being filed against me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 section 602 A. States I have a 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 convictions of cries which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion LLC regarding inaccuracies on my credit report. I believe that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 6802. 

I assert my right to opt out of the reporting of certain accounts on my credit file, as provided by 15 U.S. Code 6802. Despite my explicit request, TransUnion continues to report the following accounts : XXXX XXXX card service account number : XXXX First progress card account number : XXXX self financial XXXX account number : XXXX I am formally requesting that TransUnion immediately deletes these accounts from my credit file in compliance with my rights under the FCRA. This action is crucial to ensure accuracy and fairness in my credit reporting. 


I request a thorough investigation into this matter and prompt corrective action. Additionally, I demand written confirmation once the disputed accounts have been removed from my credit file. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure compliance with the Fair Credit Reporting Act. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020
Product: Debt collection

Was paid in full on XX/XX/2017 by insurance company and title was sent to insurance company. Ally financial continued to report unpaid debt and false reporting to credit bureaus. Continues to be on my credit report as unpaid debt/charge off which is incorrect and should show paid in full.