23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, Portfolio Recovery Associates, has been calling our phone number repeatedly, every day, for the past 3+ months. After the first several weeks of allowing our call-screening to ignore the calls, my wife answered the phone once, and the " agent '' asked her to confirm her name, her address, and then asked for her age, whereupon my wife insisted to know exactly who was calling and why they were calling. The person said that they could not divulge any specifics until she answered all of their personal data questions. My wife refused to do so and told them to stop calling. Yet, we continue to receive daily calls ( sometimes waking us in the morning ) which now come from different area codes and numbers each time ( circumventing our call blocking ) and never leaving any message or details on exactly who is calling, why they are calling, or how to stop the calls. I have the Caller ID report identifying " Portfolio Recov '' with the number that they used for at least the past 10 calls. This is harassment. We have no unpaid debt, as a review of any bona-fide credit agency report strongly confirms. Please force this company to stop harassing us and apply whatever punitive measures are available to ensure that they comply with all consumer protection laws. 
P.S. They just called again ( from XXXX this time ) while I am writing this at XXXX XX/XX/2019.
Product: Mortgage

Hi, I am writing to this institution to see if there are grounds for you guys to investigate XXXX XXXX ( XXXX ). 
I currently have a mortgage with this company and I called them for information on payment assistance as most of us have been hit with the financial pandemic and the information they gave me is that they can put a hold to the monthly payments for up to 6 months. Nevertheless, after that time they expect all the money in one single payment ( plus the extra month you'll be owing at the end of the period ). 
I believe XXXX is setting people for failure and also trying to take advantage of the consumers in times of need. Having said this, please let me know your input. 

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

I have not authorized the XXXX XXXX company to make inquiries in my credit report. In addiction I don't know who they are and what their purpose is, I understand that these reports are exposed to scammer scams or people who can access by re-elaborating complex schedules. Below what I want to be removed from my report : XXXX XXXX Inquiry from XX/XX/XXXX Credit Union This inquiry could stay on your report until XX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information  XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX with a partner. Our checking account was cyber-attacked on XX/XX/2022, in the amount of {$20000.00} It was unauthorized and we did not realize this happened until we received our statement on XX/XX/XXXX. Immediately we went to the First National Bank of Pa in XXXX Pa where we have banked for 25 years The manager told us we only had 24 hours to report this. We do not do online banking so how would we have known? We have met with the bank numerous times and have not been able to resolve this. I have contacted the PA Attorney General, XXXX XXXX XXXX, FBI, Office of Comptroller Currency, and no one seems to want to help us. This is a huge amount of money for a small business like ours. 
The information which we received in a letter stated nothing about a 24-hour deadline. Also, how can that hold up if consumers do not do online banking? 
We feel this is wrong on the banks ' behalf and we are seeking to get our money back. 
Please help us with this matter Why didn't their fraud department pick up on this.? Why have a fraud department if it doesn't ; t function as protection for its customers.
Product: Credit reporting or other personal consumer reports

Dispute 1XXXX XXXX ( XXXX XXXX XXXX ) XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute 2 - XXXX XXXX  XXXX XXXX XXXX XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute 3 - Ford Motor Credit Source of dispute information : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. 

I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. 

Enclosed, please find a detailed timeline of my interactions with your agency, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I just made a large payment of {$260.00} to my  XXXX  card  two  days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am submitting a complaint regarding XXXX XXXX for inaccurately reporting information on my credit files with XXXX, XXXX, and TransUnion. The discrepancies across the XXXX bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX corrects these errors and aligns the information accurately across all credit bureaus. 

Account Details : Creditor XXXX XXXX XXXX  Reported Issues : Inconsistent and incorrect reporting across XXXX, XXXX, and TransUnion Issue Summary : 1. Inconsistent Reporting Across Bureaus : XXXX XXXX has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted XXXX XXXX to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with XXXX, XXXX, and TransUnion.
Product: Debt collection

I contacted the collection agency and advised that I do not recognize the account on my credit report and that I wanted to request verification and validation of the debt. I advised him that I was working directly with XXXX XXXX on my past due debt to receive service and the payments are being reported under XXXX XXXX. The collector then continued to offer me a settlement on this account for 70 % of the balance. They then informed me I have an account from XXXX XX/XX/2010 they can settle on as well. I told him I do n't believe them to be my accounts and requested proof of ownership. I then filed a dispute with the credit bureau 's and the collection agency replied quickly within days the debt was valid and it must remain on my credit report. It has been almost 2 weeks and I still have not received verification or validation of debt. I called the original creditor risk management department and was told that I have no other debt then the account I settled and my Current Account. The collection agency also attempted to collect on debt which was time barred past the statue of limitation without advising me that they did not have the right to sue me or force me to pay the debt if it was mine. They did not advise me that accepting settlement or making payments would have reinstated debt and caused longer reporting on my credit. My rights have been violated as well as the fdcpa and fcra. NC State Law also requires that you provide disclosure of time barred debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies XXXX XXXX and Equifax have not sent me that validation information nor have they removed this from my report
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX  and XXXX  along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I tried to create an account with experian credit reporting services I gave all the personal information requested only to have the web page give me an error telling me " oops, we're sorry '' nothing happens no information as to what went wrong on the web page, then they give phone number and times to call, I have repeatedly tried to contact them through this number but it is nothing more than an automated referral BACK to the web site. I have tried on multiple devices and multiple days to create this account so that I can access their " credit boost '' service as I am trying to rebuild my credit scores. THIS is unacceptable as I can not get the information or contact anyone that can clarify what the issue is with their system. 

also tried again to day XX/XX/2020 to create an account same issue YET whent hey ask me if I want a free credit report sent they have ALL of my information already on the request form, so I have tried to request one and same issue " oops we're sorry '' and the same phone numbers that tell me to go back to the web site. 

in addition i asked a friend who is already using this serivice to log in on the web site to see if it was a web site issue and they had no problems connecting and accessing thier information ...
Product: Credit card

My credit card payment was due by XX/XX/XXXX. My required payment due posted to my account on XX/XX/XXXX. The company has now charged me a XXXX. When I called to dispute it, I was told by the representative that due to a system update, there was nothing that she could do to remove the XXXX. I requested to speak with a supervisor, and was told that there was no one available, but that one would call me back. It has been over 2 business days and no return phone call. 
Additionally, I have never received an email confirmation of any of my payments that I have made, and at this point in time, I feel this company needs to be investigated. 
My new statement has been issued as of today ( XX/XX/XXXX ) and I am being charged interest on a balance that includes a XXXX  that I should have never been charged. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see : XXXX : XXXX XXXX XXXX XXXX Overview Website XXXX XX/XX/2018 Helpful ( XXXX ) XXXX XXXX XXXX `XXXX These people are scam artists that prey on innocent people seeking employment in an attempt to steal their identity. '' Current Employee - Customer Service Representative in XXXX XXXX, CA Doesn't Recommend Negative Outlook Disapproves of CEO I have been working at XXXX XXXX XXXX full-time ( Less than a year ) Pros There are no Pros to this job posting whatsoever!!! These people are professional con artists who are using this employment scheme to gain access top innocent peoples banking information and identification number Cons They will contact you and offer you a lucrative position within their fake company. Once they confirm you are hired for a non existent position they will send you a check for {$5000.00} or more to purchase materials in hopes that you deposit the check that will eventually bounce but they have already obtained your banking information and they ask you for a copy of your state identification card to add you to their Show More Advice to Management XXXX should really screen these posting and make sure they are valid reputable employers before allowing these postings to fall prey on to unsuspecting individuals. If you have been scammed by these people report them to your local law enforcement agencies ASAP as well as the XXXX
Product: Credit reporting or other personal consumer reports

THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
PORTFOLIO RECOVERY ASSOC XXXX reporting a past due amount of {$590.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts.

I request that the CFPB take action to ensure PORTFOLIO RECOVERY ASSOC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Also to include The statute of limitations for debt collection is covered in Maryland Code, Courts and Judicial Proceedings 5-101.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

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 XXXXXXXX, has violated my rights. 

XXXX XXXX  XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXXXXXX 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: Credit card or prepaid card

My dispute is that I was charged over {$190.00} in fees on XXXX XXXX due to card being inactive I was never told I must keep funds in account how was I suppose to know I was going to be receiving unemployement again so disregarded the debit card and never used it because I have my own bank account so I had no use for and I was unaware of having to close account but even so the fees for inactivity is {$1.00} per month I just don't think I should have got charged this amount just for a XXXX debit card this is totally not right I want my funds back cause this is a rip off I've never heard of paying for a XXXX debit card your never gon na use again until unexpected pandemic
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$50.00}