23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Portfolio Recovery Associates XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  RE : Complaint Against Portfolio Recovery Associates Account XXXX XXXXXXXX Dear CFPB, I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws. 
I dispute any and all debts that XXXX claims I owe them. I have not received proper validation of this debt, and I am requesting the following from XXXX : Debt Validation : A written document that details the debt, including the original creditor, amount owed, date of default ( if applicable ), and a breakdown of any charges. This document must comply with the requirements of XXXX CFR XXXX ( b ) ( XXXX ). 
XXXX XXXX : A copy of the purchase agreement between XXXX and the original creditor for this debt. 
I am revoking all of XXXX 's rights to communicate with me through email, text messages, or calls. Please only communicate with me by mail at the address listed above. 
Additionally, I believe XXXX is violating my rights by : Failing to provide an opportunity to dispute the debt before reporting it to credit bureaus ( XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ). 
Using false or misleading representations and deceptive means to collect the debt. 
Furnishing inaccurate information about the debt to credit reporting agencies ( XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( XXXX ) ( A ) ). 
Potentially violating XXXX XXXXXXXX XXXX : XXXX and its subsections. 
I request that the CFPB investigate these violations and take appropriate action against XXXX. This XXXX include requiring XXXX to cease communication with me, remove inaccurate information from my credit report, and potentialy compensate me for damages caused by their actions. 
Thank you for your time and attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I transferred {$160.00} to XXXX XXXX. It was a sneaker company that scammed me. His email is XXXX. I was trying to contact him for months requesting my money. But he ghosted me. Then he blocked me on everything. My bank still hasnt responded to this incident so now I am turning to you.
Product: Credit card

I, XXXX XXXX, do not and have never owned or set up a Chase credit card. Supposedly i owe {$70.00} for a purchase i don't even own with a Chase account. Im very frustrated and need to get to the bottom of this if someone applied for a card under my name without consent. I HAVE NEVER SET UP A CARD WITH CHASE BANK AND I NEED THIS RESOLVED ASAP BECAUSE THIS IS NOT MY DOING.
Product: Credit card

Amex closed another dispute without properly processing it. XXXX fraudulently charged me a {$17.00} late fee for a car that was NOT returned late. Amex closed the dispute without processing it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX PA XXXX XXXX XXXX MN XXXX ; XXXX  XXXX XXXX  XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX : {$2700.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX  XXXX  : XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  : {$2400.00}.
Product: Checking or savings account

Bank of America closed my Account on XX/XX/2023 without me knowing. 

The account had {$2300.00} and they also held my two paychecks hostage totaling {$1700.00}. This adds up to {$4000.00}. 

I was told by XXXX about two weeks ago at Bank Of America that there was a return of all of the money in my account, but no other information was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to dispute the late payment information on my account with both the lender ( NavientXXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.
Product: Credit card or prepaid card

I contacted Citibank regarding my credit card today, XX/XX/2018 to resolve a payment issue. 

The customer service representative told me that he noticed I had not used my card in quite some time, and that I would need to use it or they would have to close my account. I explained that I have had numerous payment issues and disputes, and that because it is so difficult to make my payments from XXXX ( where I now live ), that I would not be using my card. He again stated that he was encouraging me to do so to prevent the card from being closed. I stated that I felt he was being dishonest, and told him that I did not believe it was true that my account would be closed if I did not use the card. When he did not respond at all, I then asked if it was true. He quickly changed the subject and refused to return to a discussion about his earlier statement. I let him know that it is highly unethical to pressure someone into using their credit card when all they want to do is pay it off, and asked if he felt that was ethical. He refused to answer the question, and again changed the subject and avoided the topic. 

I am highly concerned about practices like this. I have a high balance that I have been paying double the required payment on for quite some time. It is obvious that I am working hard to pay off my balance. Pressuring me to add to that balance, and lying in order to try to convince me, is highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

I have a savings account with Chase. It pays and interest rate of XXXX XXXX. or XXXX bpts. This is not aa saving account and should not be marketed as such. In fact in real terms adjusted for inflation the account losing money. There should be some minimum threshold tied to an industry benchmark rate that banks have to pay depositors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the XXXX data breach and I'm almost sure that's where these erroneous accounts were accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX- Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, XXXX contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels XXXX not following all the steps. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, XXXX at wits end. This is the XXXX complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Student loan

I applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX  for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.
Product: Credit reporting

I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Agen XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

My credit card company processed duplicate transactions for 2 separate transactions. I tried to resolve the issue multiple times with their customer service department, but their system disconnects me. 

I attached a screenshot showing the 4 transactions on my online portal and I also attached the statements showing 2 transactions. The transactions were to a company called XXXX XXXX. See the attachements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX  XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX  Account # XXXX XXXX Account name : XXXX Account # XXXX, Account XXXX : XXXX XXXX XXXX  Account # XXXX XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

As a consumer i have expressed my rights under US Code 15 1681b and your company has either ignored or continued to violate my rights! this is my last attempt to give you a chance to delete these accounts, or I will send my invoice and I my lawyer will take legal action ASAP!
Product: Money transfer, virtual currency, or money service

I tried to withdrawal money out of my Venmo account to use for rent about 4-5 days before it was due and I saw both instant/non-instant transfer options were giving me an error message. Weird, because I've had the same bank account attached to my Venmo for the entirety of the 3 years I've had the account. I got an email from Venmo the next day saying " your account has been frozen '' and they asked me to re-verify my ID. I've been a Venmo user for 3 years and I've never been asked to re-verify my ID before. I've never even had a negative account balance once. I'm a great customer. I did what they asked then I received an email about a week later saying my account is XXXX permanently, I can't withdraw my account balance for 180 days, and THEY WON'T TELL ME WHY. I have over a grand stored in my Venmo account balance that they won't let me touch. My rent money. Guess who was late on rent because of that? Me. Guess who had to pay late fees? Me. It's been over a month now and my money is just sitting in my account still. This is utterly insane. How is it legal for them to hold my money against my will? The platform wouldn't let me withdraw. Then they look into my account and disable it without telling me why. And my funds are just stuck in there? Why? I will not stop until I have rightful access to MY funds. Also making sure all Venmo users knows their money isn't safe in either of your platforms. You'll be hearing A LOT more from me. Venmo solely and with XXXX knows what motive created financial problems that greatly affected my life for multiple weeks straight by holding my money captive in their platform. There are thousands of other people that are in the same situation as me : check posts on their reddit page ( that's literally all that's on it, just people talking about how their accounts are frozen and they also can't access their funds for 180 days ). It's even been covered by several news stations and Venmo declined to comment on the issue. XXXX.
Product: Checking or savings account

My husband and I have a joint check account with Chase. My husband has had this account for 7 years. Chase closed our account with our prior notification today XX/XX/2018. When I called to find out the reason the only response they would give me is " Chase has reviewed your account and has decided to close it '' My husband and I were both expecting a direct deposit from our job today and when I asked about that money Chase responded that they are holding the money for two business days and then will send a check. The money in my checking account is the only money I have. I have a XXXX year old daughter at home that I need to feed and pay for her daycare. I can not wait for a check to come in the mail. It is unfathomable to me that Chase is allowed to hold my money and not even give me an explanation. Chase even opened up a savings account for me on XX/XX/2018, so there was no issue with my or my account then. I went into a branch to see if they can give me more information and they said " Sometimes chase does this and they wont even give the branch managers information. '' The branch manager saw nothing concerning on our account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 - contacted Kohls/CapOne @ listed #  XXXX  - advised representative that this was not an application I processed. Explained history of my reported identity theft in past and of my current fraud alert notification set on all  XXXX  credit bureaus. Representative confirmed they have no info with my SS # or Name/DOB on file for applications recently processed. They advised me to contact this service for removal of inquiry.
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 Bank XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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: Credit reporting or other personal consumer reports

I recently filed a complaint with this CRA in regards to XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXXXXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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.