23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not contacted for 2 years abd this charge which was paid in XXXX of XXXX and is noted by XXXX XXXX XXXX as workers compensation was attached to my credit for lack of payment. I was hit with XXXX points fir a bill I dont owe. I was told last week by TAB services that this was immediately remedied on theyd end as a workers comp and it would be removed from my credit. YET, they did not remove it, they only updated that it was paid in XX/XX/XXXX still effecting my credit reports and credit scores. Im asking to have these erroneous charges removed completely from my score and that my credit score no longer be negatively impacted by this biking which was paid in full by insurance 2 years ago. There should be laws on the books that if a collection agency is going to hit someones credit, they be required to circle back to their clients first to double check these bills are still outstanding. XXXX XXXX XXXX could have also corrected this by updating my file in the two years they gad a XXXX balance. Tab services is negatively impacting my credit and this bill was workers comp. it was avoidable and they still havent removed it knowing its paid and erroneous & hurting my credit. I am XXXX as I find T h a t a bit unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX , Transunion, and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am atta ching two copies of their responses to this complaint along with yet ANOTHER police report and notarized letter disputing the inquiries.    They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Product: Debt collection

Response to Complaint ID : XXXX Again I have to make clear that Portfolio has not provided proper validation OR verification in their claim towards me. I dont know what definition of verification PRA is using regarding verification but XXXX XXXX XXXX defines verification as confirmation by oath or affirmation. That has not been produced yet. All the verification they keep flooding me with are a hearsay copy of a bill and a supposed bill of sale. There is no documentation as to how they arrived at the amount they claim gives them the right to access my information. This company has been in continued and willful violation of the law for false or misleading representations, 1692g of the Fair Debt Collection Practices Act for perpetually furnishing their derogatory information towards me without providing this documentary proof and basing their proof of a claim on generic hearsay papers. 
Portfolio, in their response, says they purchased the contracts on these alleged accounts yet continue to fail to provide such contracts or demonstrate where I have signed them, again demonstrating their willingness to flaunt 1692g of the FDCPA and engage in false or misleading representations. If they have business records provided by alleged original creditors showing dates of these accounts being open and are using this to base the foundation of their claims to acquire a permissible purpose to access and report on my credit files, why do they continue to refuse to demonstrate these business records? Where are the affidavits verifying these business records? Otherwise all that is based on hearsay and as has been demonstrated in the CFPBs own consent order against PRA, PRA obtains their documentation in an AS IS basis off of XXXX spreadsheets, not a manner to prove a factual case on. 
The 2004 US District Court for Arizona case, Boatley Vs. Diem makes clear that credit reporting is a form of debt collection and as PRA continues to report without demonstrating a provable basis for their claim on a level higher than hearsay, they must cease reporting and lose my personal information or provide all this information. Anything other than this step proves the lie in their statement that they take compliance with all federal laws seriously and demonstrates a willingness to engage in wire fraud AND mail fraud as well as a total disregard for 1692 of Title 15 of the US code, that deals with consumer protections from having their rights violated by third party actors. Their assertion in saying that we believe that the validation provided resolves the disputes is wrong. It is not their belief that facts and verification is based up. Its not important what PRA BELIEVES, but what they can verifiably PROVE. I expect to see the removal of these items and receive a statement from Portfolio confirming that they are deleting their record of my personal information.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX that was not credited to my account. I made 3 additional payments to the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have attempted to dispute this, multiple times. The timeline is as follows : a ) XXXX dispute no one at GS gave me a number for this one. When the XX/XX/XXXX payment came in, they claimed that was the missing payment ; but if that is the case then they never credited me for the XX/XX/XXXX payment. But they do show a credit on XX/XX/XXXX. It is hard to know which of the two payments they credited b ) XXXX this was a payment dispute. When the support person contacted me and asked me to send the cancelled checks as evidence this was converted to a Name Change request because GS only has one form to request documents and that form is a name change form. I both physically mailed the evidence of the cancelled checks ( in XXXX ) AND emailed it ( XX/XX/XXXX ). I noted in the cancelled checks that were sent that this was a payment dispute and NOT a name change. ( This dispute was initiated in XXXX ) c ) XXXX I received a response saying that the previous dispute was closed without crediting my account with the {$250.00}. They sent me a generic email saying they tried to contact me. They did not give me any details regarding why they did not credit. I suspect it is because this became a name change in the GS system that it was not handled properly. This occurred on XX/XX/XXXX. I challenged the lack of credit and was issued dispute # XXXX. 
d ) On XX/XX/XXXX I received another email saying they had tried to call me and had resolved my dispute. When I called, they said that the dispute XXXX was still open. When I challenged the fact that their communication ( email said something different ) I was passed to a number of people and the entire chat lasted more than 4 hours. As a part of that discussion, they opened another dispute XXXX on the same issue.
Product: Credit card or prepaid card

Eppicard NM, frequently has locked my account and I can not use the website. As of right now, I can not use my card to pay bills, or use the atm. On XX/XX/XXXX someone stole over {$1200.00} on my account by transferring money out of my bank that I didn't authorize. I called Eppicard and they were suppose to send me the dispute paper and I said I have until XX/XX/XXXX to send them back. However, the papers have not arrived and today is XX/XX/XXXX. I've been calling Eppicard and I'm on hold for hours, and the system hangs up on me. Then I call again, and someone picked up in the background but wouldn't say anything, it hung up. Every time I call, they charge XXXX cents but they won't answer or help me with my problem. Somehow my email was changed on their website, and it won't let me change it back.
Product: Mortgage

On XXXX XXXX, XXXX I received a notice of withdrawal of the dedicated single point of contact ( SPOC ) from Bank of America of XXXX XXXX, XXXX. Since no written determination has been provided to me on appeal, I am considered pending in the modification process and the modification process is incomplete to date. Therefore, as a matter of law, a dedicated single point of contact is required to be assigned during the entire loss mitigation process. It is not acceptable to remove the SPOC ten ( 10 ) days prior to the Trustee 's Sale at auction, especially when that sale is improper. It should also be noted that this latest assigned SPOC, XXXX XXXX, had only been assigned for one week ( 7 days ) from the date of the notice of withdrawal of the dedicated SPOC. And this after my repeated requests to have XXXX XXXX removed as the SPOC without any acknowledgement that my request was considered. All I was told by Bank of America representatives was that it is not required I be allowed to pick and choose the SPOC. Just to be clear, I never requested to choose the SPOC. I did request any assigned SPOC be competent and knowledgeable of loss mitigation processes, as XXXX XXXX was not and it appears she was the SPOC responsible for forwarding the account to foreclosure, and improperly so. 
Upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Product: Debt collection

I received a letter on XX/XX/2021 about an account that was past due that I never opened. The letter was from Regional Finance in XXXX TX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened an account with them so I called and spoke to the manager XXXX XXXX Apparently this company sends out LIVE checks to people and all they have to do is sign the check and deposit it and once cashed the account is open. I have not heard of this since the 80 's. The manager said that the person who did this did not have to present themselves, they required no ID, or other identifying information. She had a phone number that was not mine. I have had the same bank account since before this happened and I can prove that I did not cash this check and was not living at the address they mailed it to at the time, I have moved to another city before this. They claim to have validated a debt for a check that I never signed, nor deposited. This is a disgrace. With all of the laws in the US requiring banks to identity those seeking loans and with the requirements in place to prevent fraud, money laundering, and other illegal activities how does Regional Finance get away with this?

Aren't these lenders subject to the Bank Secrecy Act ( BSA ) and related regulations, which require them to establish Customer Identification Programs ( CIPs )? These programs require lenders to verify the identity of customers and maintain records of the identification information obtained. Is this company in violation of that?

I have reached out to a consumer protection attorney as they are saying that they validated a fraudulent loan, which is not accurate as they did not have any of my personal information for this other than my old address which I was not living at at the time. The phone number they were calling was not mine, I have no idea how this can happen. This is ridiculous and they need to be stopped from doing this making easy victims out of unsuspecting consumers. At the very least they could have gotten information on the bank where the check was deposited. It was never deposited in my account that is for sure.

I have never been able to take out a loan without various forms of ID, Proof of income etc.
Product: Credit reporting or other personal consumer reports

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the evening of XX/XX/XXXX at XXXXXXXX XXXX Central Time, I went to the Chase ATM located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, with {$4000.00} to deposit. The ATM, Term ID : XXXX, took my {$4000.00} without depositing it into my checking account and did not provide any receipt. I immediately called the number displayed on the ATM, XXXX, to request a receipt or resolve my issue. I was told at that moment that no receipt was necessary and that I should call the next day to file a claim. To prevent my money from being stuck in the ATM 's dispensing slot and possibly taken by someone else, I immediately withdrew {$100.00} from my checking account to ensure no money was stuck. After filing a claim the next day, Chase did not return the money to my checking account as promised and instead told me to continue waiting.
Product: Credit reporting or other personal consumer reports

My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX. These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my transUnion credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : US BANK # XXXX
Product: Debt collection

Dear National Recovery Agency / NRA ; I'm a little confused about a collection of {$280.00} reporting on my credit report dated XX/XX/2017. I've attempted several times in the past to get to the bottom of this but for some reason, my request has been blatantly ignored by everyone there and the credit bureaus. They failed to perform a thorough investigation into my request and but however, continues to report this account in violations of my rights such as fcra, fdcpa, etc. It was my understanding that a collection account is by default late and past due and it can not be reported as such ; and if it does, its in violation of my rights and it's causing this account to illegally re-aged. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

CAPIO PARTNERS SENT ME A LETTER REGARDING A DEBT FROM XXXX HOSPITAL. I HAVE TWO INSURANCES THAT XXXX FAILED TO BILL. I SPOKE WITH A REPRESENTATIVE THAT STATED THEY ARE REBILLING THE INSURANCE COMPANIES
Product: Debt collection

There is a company called XXXX XXXX listed on my XXXX  credit report as a collection account but I have never received any documentation and I have tried calling the number and i can not understand the people answering the phone, tried to explain that the debt is not mine and they got nasty, so i hung up. It does not list the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX  wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report in XXXX XXXX dated XX/XX/2023, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

I purchased furniture with my visa debit card from my bank DIME COMMUNITY BANK. A year and a half later we realized the quality of the furniture was no good and went threw the process of getting a refund. I spoke with the seller via XXXX and they approved the refund and sent the money to the original payment method which was the visa debit card from Dime community bank. Sometime between that year and a half of the purchase we closed the account linked to debit card but the bank also changed from visa to mastercard. The amount is {$710.00} it was sent on XX/XX/2022. We also had add a protection plan to the furniture whish was {$110.00} which was also refunded to the same card. 
I went in person to the bank a few times trying to resolve this issue they keep saying they don't have the money I provided them reference numbers that XXXX gave me and XXXX say they cant do anything. Another day they told me that even if they could do anything it will takes months to get my money back. XXXX XXXX and she said that it takes months and that the problem wasn't of the bank. The issue is they switched from visa to mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact XXXX on an account that was closed due to non-usage. The company closed this account because I didn't use the card on a regular basis. not because of payment. I would like this to be removed it has a negative impact on my credit. 

XXXX XXXX did the same thing back in XXXX XXXX this is also reflecting negative on my report. 

XXXX XXXX closed the account because I wasn't making purchases on a regular this also needs to be removed XX/XX/XXXX XXXX XXXX XXXX another credit card with increase line of credit, and they closed the original account which also affected my XXXX XXXX. XX/XX/XXXX. This need to be removed. Not just XXXX account but XXXX. XX/XX/XXXX This is crazy on their behalf. 

XXXX XXXX XXXX Closed the account for the same reason. XX/XX/XXXX You can see all these accounts have XXXX balances. 
XXXX XX/XX/XXXX also closed for not using the line of credit. 

XXXX XXXXXXXX the very same issue. XXXX balance and closed account XX/XX/XXXX XXXXXXXX XXXX closed when it should reflect account paid in full. XX/XX/XXXX, All these accounts are reflecting my XXXX XXXX negatively and need to be corrected. 

Department ED/XXXX XXXX accounts closed with XXXX balances need to be removed again negative reflection on my credit report. 

XXXX account closed. Please remove. 
All XXXX XXXX XXXX XXXX closed and XXXX balances. Please remove. again negative reflecting on my report. 

XXXX accounts closed. XXXX balances. Please remove from report. This is very sad and disturbing. Dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX SafeCo closed XXXX balance XX/XX/XXXXXXXX XXXX  Closed XXXX balance XX/XX/XXXXXXXX XXXX closed XXXX balance XX/XX/XXXX Please Remove these items that is causing all sorts of credit problems Thank you. I've tried to have these removed with no luck!
Product: Debt collection

Compass group has called my grandfather and mother in law repeatedly looking for me, and leaving harassing voice mails.