23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY, LLC is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Portfolio Recovery, LLC has no claim. 

I hereby irrevocably refuse to consent/contract to Portfolio Recovery, LLC agency because there is no law required for this consumer to do so. Until Portfolio Recovery, LLC agency can provide a lawful authority by which this consumer is subject to comply with submitting to Portfolio Recovery, LLC or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Portfolio Recovery is hereby warranted to Proof of Claim in Arbitration.
Product: Payday loan, title loan, or personal loan

Approximately 4 years ago, I took a personal term loan from Truist Bank. At the time the loan was originated I set up automatic debits on the account for the payments. 

Truist Bank has a policy for personal loans such that they will not process the final loan payment/payoff amount of a personal term loan because it might be a few dollars off the monthly payment amount. However, Truist does not give notice of this policy in their loan statements or otherwise, which resulted in late fees and additional interest when the final loan payment was not automatically processed on my account. 

I called and the customer service representative stated that this was supposedly disclosed XXXX years ago, but I have no memory of it. While Truist agreed to waive my late fee, I was charged additional interest on the loan and had to waste time calling in to close the account. I am complaining because : 1. it is likely I am not the only consumer that may forget that they have to call in and make the final payment, 2. I have never encountered this policy with other providers ( XXXX XXXX just processes the final payment ), 3. Consumers are being harmed by this policy through avoidable interest charges, late fees, and, if the customer doesnt call in soon enough, damage to their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my son name is XXXX XXXX XXXX XXXX but his background is showing up under my name please see attachment it show I am in XXXX right now.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been breeched.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

All disputes have been mailed out to the company certified mail and return sender. 

On XXXX XXXX I sent company a dispute for Inaccurate Personal Information that was on my consumer report, as well as unauthorized inquiries. XXXX ) XXXX XXXX XXXX # XXXX Inaccurate Personal Information. XXXX ) XXXX XXXX XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/2024 XXXX  # XXXX for unverified late payments reporting on my consumer report on the following accounts XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

This is now my second attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX through XXXX XXXX XXXXXXXX exchange and financed it with XXXX XXXX through XXXX I never received the XXXX XXXX XXXX as they sold an item the did not even have in stock, which is outright fraud. I was battling with the XXXX XXXX XXXX exchange for XXXX months to get them to give me my money back. 

I notified XXXX XXXX that I never received the item. I attempted to Email XXXX at tell them this was fraud and I never received the item. No response. I thought I had put the account on auto pay as I never want to miss a payment. The auto pay never went through and since no payment off XXXX was deducted from my account, I thought maybe XXXX was holding my payment until the were finally investigating this fraud. I was wrong. I then received a TEXT from affirm saying my account was over XXXX days late and immediately made a payment of {$240.00} to XXXX. They still reported this to the credit monitoring services and my XXXX XXXX dropped XXXX points from XXXX to XXXX from XXXX late payment even though I had stellar credit. 

XXXX XXXX XXXX XXXX finally rebated {$1400.00} back to XXXX, which was the the full amount of the original balance and XXXX returned the {$240.00} payment to my bank account. However, they won't eliminate the late payment from my credit report even thought it was fraud from the beginning. I called XXXX and talked to someone from XXXX. They reported they would expedite this to the highest level of concern. Never happened. 

I will never finance anything through the company again. I usually use XXXX and when I have purchased item on the internet through XXXX and you notify them of fraud they will put the account on hold and not ding your credit. Stay away from XXXX. Terrible Customer Service
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I am attaching the documents I received today from Schreiber/Cohen LLC on behalf of XXXX XXXX XXXX XXXX. The documents were very poor quality photocopies. Parts of the documents were blacked out and the envelope was hand written. I have no idea if this is legitimate. I have NO problem working out a payment plan with a creditor if it is legitimate but this looks questionable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

. I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?
Product: Debt collection

Credit Corp Solutions has broken numerous state and federal laws in attempt to collect a debt. 
First - I am a Massachusetts resident. Credit Corp is NOT licensed to collect a debt on a Massachusetts resident. 
Second - I have sent two requests for validation of debt ( XX/XX/2019 and XX/XX/2019 ). Under federal law they had 30 days from the date of receipt to provide validation. They failed to reply whatsoever within the federally mandated time frame. 
Third - In XX/XX/2019 I sent a 93A Demand notice informing them of their failure to obtain licensing, illegal reporting ( listing their own name on a MA consumer credit report in violation of 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ) ) and failure to provide validation of their claim. They ignored this notice, no reply or correspondence has been received.
Product: Credit reporting or other personal consumer reports

XXXX illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my Transunion and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from XXXX of supposed email or letter mailed to me denying deferment, one that was acknowledged and signed by me. 
I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. 
They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.
Product: Credit card

I am curious why my payment, again, is due back to back with you guys. I would like someone to make contact with me. I have never had this issue with anyone before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on XX/XX/XXXX 72 hours later I received results of XXXX 's XXXX being final.Disputed again on XX/XX/XXXX 72 hours later I receive the same email. The person I spoke with placed a new dispute. I told him that I have proof account was paid. I have a letter from XXXX 's XXXX stating that account was paid in full. He stated to go to www.experian.com/upload. I did upload information and received a note it had been accepted. I received another email on XX/XX/XXXX stating dispute was closed again. However I uploaded the document XX/XX/XXXX. So did they even do a investigation. I called XX/XX/XXXX. I spoke with a lady at XXXX XXXX who confirmed I had they did receive upload. On XX/XX/XXXX I woke up to another email stating it was final. I called them back again today. The person was very rude. He didn't want to hear what I had to say. He then said he didn't receive a upload. I explained to him about the call on XX/XX/XXXX. Also I have multiple lines of credit now. I have paid faithfully and my credit score is not being updated. I feel as though I'm lost and no one will help me. I have been on top of things. Then to try to explain to someone what is going on and they talk over you and say so what. I paid bill to clean up my credit and have to go through this. They will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. Experian XXXX and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with Experian,, XXXX, XXXX,,, and the account XXXX is reporting inaccurate and missing information,,, Experian is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With XXXX Credit report the XXXX account is showing to be sold to another lender ... so how is it that Experian showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per XXXX report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, Equifax Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
XXXX is showing its sold with XXXX monthly payments,,, sold to another lender Experian is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,
Product: Credit card or prepaid card

XXXX To : Chase Bank, Consumer, and The Financial Protection Agency, After many futile attempts to explain to : Chase Executive Services, Chase ineptly trained Representatives, and Supervisors, both, disturbingly misinformed, sad. As a result, I still clamoring for now for any result will do. 
As a result of Chase 's failure to cooperate with me, to resolution, that is ; lead me to also file a formal complaint with the XXXX, by providing them a copy of this statement. The filing is to ensure promptness of solution and gather Chases ' attention for them to comprehend the effort I exerted to right this wrong. The number of times I have contacted chase, I stopped counting at 14.

The {$2100.00} payment was remitted by another institution, a copy if available. Therefore, no liability was assumed or created for Chase. 
I hereby, formally dispute any transactions, specifically, five ( 5 ), of {$2100.00}, for accounts ending in XXXX and XXXX respectfully. The transactions do not appear to allow me to submit a dispute via Chases system. The reversal notation, not the actual, inhibits my dispute claim. 
Those {$2100.00} entries should reflect three debits, ( 3 ) and three credits, ( 3 ). Obviously, from that, I insist, one credit is not there.

How I get through to my conclusion, is simple- I ran an annual transaction report for XXXX, ( includes account number XXXX by default ), I sorted by debits and credits for the entire years ; therein, lies the 2 credits vs 3 debits conundrum. I recommend Chase try the same process, then issue the missing credit. 
Prove I am wrong with the facts, and I will relent. 
XXXX To : Chase Bank, Consumer, and The Financial Protection Agency, After many futile attempts to explain to Chase, Representatives, and Supervisors, both, disturbingly misinformed, sad, and no results. 
Chase wants feedback, listen to those conversations I had today, with those same elite employees. My head is still spinning! 
As a result of Chase 's failure to cooperate with me, to resolution, that is ; lead me to also file a formal complaint with the XXXX, by providing them a copy of this statement. The filing is to ensure promptness of solution and gather Chases ' attention for them to comprehend the effort I exerted to right this wrong. The number of times I have contacted chase, I stopped counting at 14. 
The {$2100.00} payment was remitted by another institution, a copy if available. 
I hereby, formally dispute any transactions, specifically, five ( 5 ), of {$2100.00}, for accounts ending in XXXX and XXXX respectfully. 
Those XXXX entries should reflect three debits, ( 3 ), versus three credits, ( 3 ). Obviously, from that illuminating data, I insist, one credit is not there. 
How I get through to my conclusion- I ran a transaction report for XXXX, ( includes account number XXXX by default ), I sorted by debits and credits for the entire years ; therein, lies the 2 credits vs 3 debits conundrum. I recommend Chase try the same process, then issue the missing credit.

Tip- Chase wants feedback, listen to those conversations I had today, with those same elite employees. My head is still spinning!
Product: Bank account or service

My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ( Account Name-XXXX XXXX XXXX ) ( Account NameXXXX XXXX XXXX  XXXX XXXX ( Account Name-XXXX XXXX XXXX XXXXXXXX ) ( Account Name-XXXX  XXXX ) ( Account Name-XXXX XXXX  XXXX XXXX ( Account Name- XXXX XXXX XXXX XXXX  XXXX ) ( Account name-XXXX XXXX XXXX XXXX ) ( Account nameXXXX XXXX XXXX  XXXX ) has violated my rights. 

15 U.S.C 1681 SECTTION 602 A States I have the rights 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. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My 1st mortgage on my home was originally taken out with GMAC in XXXX of XXXX. GMAC eventually filed bankruptcy and my loan was transferred to Ocwen loan servicing LLC in XXXX of XXXX. I inquired about refinancing earlier this year with a local lender, and when I did it came it to my attention that Ocwen claimed I owed almost {$8000.00} in late charges from when my loan was held by GMAC. I have called a few times to try to have this mistake corrected by Ocwen but they have been less than helpful in getting rid of these FRAUDULENT late charges. I contacted Ocwens records department and had them send me a complete loan payment history for my loan while it was with GMAC. All payments with GMAC that were applied by the XXXX of the month fell under the grace period and should not have assessed a late fee. After going through the payment history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX the total amount if fraudulent late charges by GMAC amounted to {$7700.00}. I have made a spreadsheet and also have copies of the payment history from Ocwen detailing these records which I will attach to this formal complaint.