23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In response to complaints XXXX, XXXX and XXXX, Portfolio Recovery Associates ( XXXX ) has still failed to provide evidence that I was contacted. The address on the letter that was allegedly is incorrect and I was therefore not given the legal time to dispute the debt. As of XX/XX/2024 PRA has, other than threaten to sue over unverified debt, not provided ANY EVIDENCE of how I was PROPERLY contacted at either AN ADDRESS WHERE I LIVE or A PHONE NUMBER WHERE I CAN BE REACHED. PRA is clearly in violations of the FCRA, and the FDCPA. PRA is currently threatening and harassing me about getting sued, while failing to provide EVIDENCE. These are unacceptable business practices! PRA is also violating the FCRA by showing the same balance as a charge off, and per the FCRA the creditor and the debt collector can not report the balance.
Product: Money transfer, virtual currency, or money service

Reported an unauthorized XXXX charge for {$1200.00} with Chase end of XXXX, denied claim XX/XX/15 because it was shown it was accessed through my phone, but personally never authorized. Couldn't do a reversal.
Product: Debt collection

I accepted a position with Sunwest Mortgage in XXXX was promised they would obtain mortgage licensing in GA. my office was in XXXX Tn., which it is very important that we able to make loans in GA.Called to mandatory meeting in XXXX Tn XXXX with Managing Director, National Production XXXX XXXX, was informed that they are not willing to terminate any of the felons that they currently have employed in order to obtain GA license, Was advised that I would not have to pay any sign-on bonus money back to the company and we could leave. I went to my Sales manager to complaint and was advised to take my loans and get out. they refused to pay me my commissions have demanded that I repay my sign on bonus. I felt threaten and afraid of their strong arm tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XXXX XXXX, 2019 via the online application that I submitted for an auto loan.
Product: Debt collection

Subject : Formal Complaint and Dispute Against Collection Agency To Whom It May Concern, I am writing to formally dispute a debt reported by Consumer Adjustment Company that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of Consumer Adjustment Company have resulted in undue stress and potential harm to my financial standing. I request immediate investigation and corrective action regarding their conduct.

Violations Cited : 15 USC 1692k ( a ) ( 2 ) ( A ) Statutory DamagesThe collection agency has engaged in unlawful debt collection practices, warranting statutory damages under this provision. The harassment and misrepresentation tactics they have employed justify financial penalties for their noncompliance.

15 USC 1692k ( a ) ( 3 ) Attorney Fees and CostsGiven the agency 's blatant disregard for consumer protection laws, I reserve the right to seek legal counsel and recover any associated costs resulting from their illegal actions. 

15 USC 1692d Harassment or AbuseThe collection agency has subjected me to unfair and harassing collection tactics, including [ list specific instances, such as repeated calls, threats, or abusive language ]. Such behavior violates my rights and is prohibited under federal law.

15 USC 1692e False or Misleading Representations [ Collection Agency Name ] has provided deceptive information regarding the alleged debt, including [ mention any inaccuracies, false threats, or misrepresentations they have made ]. This violates federal regulations and undermines fair debt collection practices.

Request for Resolution : I request that the Consumer Financial Protection Bureau take immediate action to : Investigate the practices of Consumer Adjustment Company.

Require the agency to cease all collection activities related to this disputed debt.

Remove any inaccurate or improperly reported information from my credit file.

Impose penalties for violations of federal law.

I have attached copies of all relevant documents, including correspondence with the collection agency and credit bureau disputes. I request written confirmation that this matter is being reviewed and that appropriate action will be taken.

If this issue is not resolved promptly, I will explore all legal avenues available to protect my consumer rights, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Equifax is reporting old and inaccurate addresses on my credit report the only addressee that i have has been XXXX XXXX XXXX XXXX md XXXX please remove all other incorrect addresses please. the law states incorrect and inaccurate items must be removed.
Product: Checking or savings account

I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed a series of credit inquiries I did not authorize and have no knowledge of. I reached out to XXXX, XXXX, and XXXX via phone when I noticed to alert the companies that somebody has been using my personal information without my permission. I also stated to them that furnishing information to my account that I have no knowledge of and that's also due to identity theft further violated the FCRA and was governed by 15 USC 1681. I seen a huge impact on credit report from these inquiries, and it quite frustrating because I am not the one who has applied or attempted to get a line of credit. The inquiries I noticed are from the following companies : 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 I've counted of XXXX inquiries on my credit profile that I have not authorized.
Product: Credit card or prepaid card

I have sent 3 secure msgs and called Comenity Bank yesterday ( XXXX ) about the XXXX $ charge and they refuse to refund it because they say it's been paid. I've never heard of such a thing. I had problems making payments because of their system. I have also informed XXXX & XXXX regarding the service their bank of choice is giving. I may decide just to cease using the card because of the hassle of using it.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXXXXXX. 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.
Product: Credit card

bank of america XXXX XXXX XXXX I HAVE A BALANCE OFFER FOR NO INTEREST IN GOOD STANDING I USED THE CARD IN XXXX TO AVOID TRANSACTION FEES I PAID THE BALANCE OFF OF WHAT I PURCHASED THEY ARE SAYING THEY WILL NOW Charge me interest on the interest fee balance until I pay that off IT IS IBTEREST FREE how's this fair other then it iS Bank of America do what they want I USE INTEREST FREE BALNCE PROMOTIONS ALL THE TIME NEVER HAD THIS OCCUR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Product: Checking or savings account

this unauthorized transaction took place on XX/XX/XXXX, my card was breached and {$950.00} was stolen from my account, which was my mortgage payment that had just got transferred to me from a family member, the dispute was denied on XX/XX/XXXX, two days later on Sunday when Cashapp is closed is, yet they did not research this thoroughly, I had just had fraud on my account and Cashapp denied that, I need my money I am tired of these banks taking my money and I am left with nothing having to slave to earn the money then they allow it to get taken as if the money is not insured, I need a provisional credit or I will seek judgment a different way
Product: Payday loan

I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a mobile phone collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX  sold my dept to a collection agency called Credit Management Company on XX/XX/2023 for the amount of {$580.00}. They have continued to harras me calling me two to three times a day and sometimes past XXXX at night. I have tried to work with them but the refuse to accept anything but a full payment. Unfortunately I am not financially capable of making this payment in full at this time. But have agreed to make payments but they refuse still calling me daily, morning and night.
Product: Credit reporting

on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.
Product: Checking or savings account

My Chase XXXX XXXX XXXX XXXX XXXX XXXX checking account was closed some time around XX/XX/XXXX, which is also when Chase allegedly sent a letter to my home address detailing why which I did not receive. I requested another copy of the letter to be sent which was not approved. I waited around a month for the check to be sent before receiving no communication which prompted me to call them. The account funds total {$46000.00}, but Chase said that they will not send them to me until they verify XXXX checks from which I received the funds of 4 customers from. They asked me to provide the contact information of the 4 customers which I did on XX/XX/2024, but they claimed that the phone numbers I gave were not verified despite me directly obtaining them from the customers/check writers. On XX/XX/XXXX, I called the company 3 separate times and each time I spoke to an associate, when I raised the issue of them being vague about the verified numbers and how it does not make sense why they can not just contact the numbers I gave, I was hung up on all 3 times which led me to file a complaint. Furthermore, Chase has already deducted the money from all XXXX checks so they have all been cleared. For the documents I have attached, they include the customer business name or personal name, contact information, check amount, and a picture of the check written to my company. Because these checks were deposited online, I unfortunately can not send a receipt because Chase has blocked my access to online banking.
Product: Debt collection

I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review documents for detaiks
Product: Debt collection

XXXX XXXX/XXXX/XXXX I contacted Weinburg & Reid Co. LPA in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$660.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they sis not comply with error resolution requirements under the the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Debt collection

I have sent numerous debt validation letters to which none have be answered. I am now on day 33 of waiting for the most recent debt validation letter from National Credit Systems. My letter was delivered to National Credit Systems XXXX XXXX and signed for by XXXX XXXX. Ive also asked that they contact me only via US mail and no phone calls but they continue to call me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for XXXX XXXX XXXX ( XXXX ) is showing on my credit report. This is fraud and wasnt authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Immediate Deletion Request National Credit Adjusters ( Account # XXXX ) To Whom It May Concern, This letter is a formal dispute of the inaccurate, inconsistent, and unverifiable information being reported by Equifax and Experian regarding the account from XXXX XXXX XXXX ( XXXX ), Account # XXXX. The reporting of this account is not only contradictory but appears to be blatantly inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Inconsistencies & Violations That Require Immediate Deletion 1. Impossible Payment History & Opening Date Discrepancy o Equifax reports my last payment as XX/XX/XXXX, yet claims the account was not even opened until XX/XX/XXXX. 
XXXX How can a payment be made on an account that didnt exist yet? This is clear evidence of inaccurate reporting and an FCRA violation.

2. False Late Payment & Charge-Off Reporting o The account is reported as 120 days late yet also charged off this is contradictory and must be corrected. A charged-off account is no longer eligible for delinquency reporting in the same way as an open trade line. Equifax and Experian must immediately delete this erroneous entry.

3. Failure to Report Accurate Data in Compliance with FCRA ( 15 U.S.C. 1681e ( b ) ) o The FCRA requires credit bureaus to maintain accurate and complete records.

This account contains conflicting, unverifiable information, demonstrating a reckless disregard for accuracy.

4. Verification Failure ( FCRA 15 U.S.C. 1681i ( a ) ) o I demand that Equifax and Experian provide complete documentation verifying the accuracy of this account. 
o If neither bureau can provide an original signed contract, full payment history, and legitimate documentation proving this debt is valid, this account must be deleted immediately. 
Demand for Immediate Action Delete this account from my credit reports immediately due to its blatant inaccuracy and unverifiability.

Provide written confirmation of removal within 30 days, as required by federal law. 
If this account is not corrected or deleted, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of the FCRA. 
Equifax and Experian have a legal obligation to ensure reported information is accurate, verifiable, and not misleading. This account is indisputably inaccurate, and I demand its immediate removal. If your agencies fail to act, I am fully prepared to escalate this matter, including seeking legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
I expect a response confirming deletion within 30 days. 
Sincerely, XXXX XXXX