23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES, a debt collection company is reporting tradelines on my credit reports that are inaccurate. The effects of the alleged accounts are damaging my reputation while they also violate the FCRA and FDCPA. I was not given the opportunity to dispute the alleged debts, nor did I receive any documents in the mail form the collection company. I, XXXX XXXX, am aware that PORTFOLIO RECOVERY ASSOCIATES LLC are " Debt Buyers ''. They are notorious for abusive behavior towards consumers judging by their track records of being sued by debt collectors and the stipulations and consent orders that were brought against them by the CONSUMER FINANCIAL PROTECTION BUREAU. There are currently traces of violations regarding the account information PORTFOLIO RECOVERY LLC has furnished on my consumer reports. I am sure that PORTFOLIO RECOVERY ASSOCIATES LLC is aware that even the smallest violation of the FDCPA and FCRA is considered abusive, deceptive, harassing, and damaging to my reputation. This in turn makes them liable to both me the CONSUMER and regulatory authorities such as the FTC and CFPB under the FDCPA per 15 USC 1692K. I, XXXX XXXX, have discovered the following violations and inaccuracies upon reviewing my consumer reports : Inaccurate account balance amount ( The amount you are trying to collect is {$640.00} while XXXX XXXX claims I owe {$640.00}. ), excessive collection " C '' notations ( misleading and does not align with fairness and accuracy of credit reporting. This is damaging to my character and reputation ), No Data in the payment history " ND '' ( Signifies incomplete account information. ) ( Please do not blame this on the CRAs, you are a furnisher of information so you will be held accountable. ), XXXX of the same accounts being reported by both XXXX XXXX who is currently under fire and PORTFOLIO RECOVERY ASSOCIATES LLC. ( XXXX sold those accounts but both companies are reporting which is in fact misleading and fraudulent. This a potential criminal offense. ) These findings violate the following statutes : FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ), 15 USC 1681 ( a ), FDCPA 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 10 ), 18 USC 1001, ( Privacy Act of 1974 ) 5 USC 552a , FDCPA 15 USC 1692g , ( Debt Collection Rule ) 12 CFR 1006.34C. Based on these codes and supporting documents that will be added to this complaint, my rights have violated. PORTFOLIO RECOVERY ASSOCIATES LLC is in violation of my privacy rights. There is no original contractual agreement bearing my signature proving that I owe PORTFOLIO RECOVERY ASSOCIATES LLC legally. They do not have my legal consent.
Product: Money transfer, virtual currency, or money service

Celsius has approximately XXXX of my assets, split between bitcoin, ethereum, and usdc, deposited over the course of the last 2 years. The company has claimed that withdrawals were available at any time, and they recently declared bankruptcy and my funds are now locked. 

I wrote a letter to the judge of the bankruptcy case as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, there are still 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 these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. 
I disputed this collection with XXXX, XXXX  within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. 
XXXX  XXXX XXXX  ( XXXX  ) has not been removed this from my credit report. I am attaching the letter from the original creditor.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES TO BE PULLED FROM MY CREDIT REPORT AND I WANT THEM TO BE REMOVED FROM TRANSUNION, XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a dispute of an inaccurate and and wholly false information on my account and TransUnion refused to remove it. They have shown no proof of why this account is true and accurate. I have never heard of their company that claims that owe money to XXXX. I have closed that account which was in good standing when I did.
Product: Credit card or prepaid card

I opened a credit card with my bank in XXXX. The card was apparently provides by a company called elan financial. I paid off and closed the account in XXXX. In XXXX I tried to prequalifybfor a mortgage and was informed that the account was showing on my credit report as open, delinquent, and over limit. I tried on several occasions to contact elan financial, and left numerous messages, but my calls were never returned. On the rare occasion that I actually spoke to a human I was told that my account was in collections, and they were not authorized to discuss it with me, at which point they would transfer me to some other department who never answered their phone, nor returned my calls. I disputed this with all of the credit reporting agencies, who simply replied that it was " verified ''. So I filed a complaint with the CFPB. The credit card company finally responded to that complaint, claiming they reviewed their records, and had no record of phone calls or messages from me. They also alleged that they tried to call me on XX/XX/XXXX & XXXX, and left me messages. I received no phone calls from them at all, on those days or any other, and have received no messages. I am happy to provide my call logs to show this. It is possible that they have incorrect contact information for me, though my phone number has been the same for over a decade, and since well before this card was closed. I think it more likely that they are flat out lying to avoid admitting that they are trying to take me across. ( My phone number was included in my complaint to the CFPB, so they should have had it. ) When I received their response, I AGAIN called and left a message, again receiving no response whatsoever. They did provide some limited documentation in their response, among which was documents showing that the outstanding principle was {$490.00} as the last payment that they have record of. They further state that in XXXX of XXXX the charged off the debt with a balance of {$630.00}, and sent a 1099-c in accordance with IRS regulations requiring said form to be sent with any cancellation of a principle amount greater than {$600.00}. However, by their own records, the principle amount was less than {$600.00}, {$490.00} to be exact. I would sincerely like to be contacted to resolve this in a mutually beneficial manner. It is also of note that my credit report still shows a charged off amount of {$930.00} dollars, which no one has yet to offer any explanation for, despite numerous disputes with each of the reporting agencies.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violates
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report.
The following account is inaccurateI C SYSTEM {$200.00} The following account is inaccurateXXXX {$1800.00}
Product: Debt collection

I have no contract with source receivables management. I don't know who they are. Im not paying for something i didnt agree to pay.
Product: Debt collection

I WAS EVICTED FROM MY APARTMENT IN THE LAST MONTH OF MY LEASE AFTER I ALREADY PAID RENT AND ONLY HAD MAYBE A WEEK LEFT IN MY APARTMENT. WE WENT TO COURT FOR EVICTION PROCEEDING AND THE JUDGEMENT SAYS I ONLY WAS TO GIVE POSESSION OF THE APARTMENT OVER AND I DO NOT OWE ANY COURT COST, FEES FROM THE LEASE OR BACK RENT. THE APARTMENT COMPLEX IS REPORTING ON MY CREDIT THAT I OWE THEM {$1200.00} FOR RELETTING FEE AND EARLY TERMINATION FEE DUE TO NOT TURNING IN MY 60 DAY NOTICE BUT THIS WAS PROVIDED TO THE APARTMENT MANAGEMENT WHEN IT WAS TIME FOR ME TO TURN IN MY 60 DAY NOTICE. NOW THE DEBT COLLECTOR IS STATING THAT I NEED TO PROVE TO THEM THAT I TURNED IN MY 60 DAY NOTICE BUT THE JUDGEMENT CLEARLY STATES I OWE NOTHING!!! IVE TALKED TO THE APARTMENT MANAGMENT OFFICE AND ALSO THE DEBT COLLECTOR WITH NO LUCK. I HAVE DISOUTED THIS SEVERAL TIMES ON MY CREDIT REPORT AND NOTHING SEEMS TO HAPPEN.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXXL XXXX credit card was opened without my knowledge or authorization. The current balance is {$5400.00}. 

On XX/XX/XXXX a {$500.00} XXXX XXXX XXXX was opened. There currently is no balance. 

On XX/XX/XXXX a fraudulent inquiry was opened and placed on my credit report by XXXX On XX/XX/XXXX another fraudulent inquiry was reported by XXXXXXXX XXXX  On XX/XX/XXXX another fraudulent inquiry was reported by XXXX XXXX  On XX/XX/XXXX the final fraudulent inquiry was reported by XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXX  According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit reporting or other personal consumer reports

I just received a letter from Transunion and they didn't do what I asked them to do. They kept address 's, phone number and employment records on my account that are not mine. The address 's are : XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX  XXXX, De XXXX, XXXX XXXX XXXX. XXXX XXXX, De XXXX, XXXX XXXX XXXX. XXXX, De XXXXXXXX XXXX XXXX XXXX XXXX, De XXXX. The phone numbers are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these numbers they have listed for me after I told them I only have one number. The work companies USPS XX/XX/XXXX, USPS XXXX, US POSTAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX again this abuse of records is a shame.
Product: Checking or savings account

Chine closed my account. And I can't assess it to see how much funds I had
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Good Afternoon everyone ; listen, my credit report keeps showing that i have a debt with Midland MCM from XX/XX/2016. I believe this is an error because when i contested the debit with them and original creditor they mentioned that they have no record and they failed to provide me detail of the {$10000.00} alledged debt. It was removed and all the sudeen, i just refreshed me report and i found it again on my credit report.
Product: Student loan

I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address isXXXX XXXX XXXX , XXXX, XXXX XXXX please delet/remove any other address they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX 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

My problem is with Experian unfair credit scoring practices! I complain about this in 2019 and it has only gotten worst since that complaint!! My problem is I pay off my bills every month on time and I keep my credit card spending below 15 %! But Experian will take my credit score down 15 to 25 points in one day when I use my credit cards!! Why? Its like I am punished for using my cards!! And 25 points in a month is ridiculous for a credit score drop if I don't have any collections or derogatory marks on my credit report!! Why does this keep happening?? I can see my score dropping two to three points but 25 points?? It seems very unfair that when my credit gets to XXXX their seems to be any reason to drop it and keep it below that XXXX score!! It has to be purposely done!! 25 point drop is unheard of for a credit report with no derogatory marks and a exceptional credit history don't you think?? 
I am not even using 15 % of my credit limit when I use my cards!! And i am getting my score drop 15 to 25 points??? Come on you know that is unfair!! My credit score seems to only go up if I do not use my credit card and it takes forever for that to happen!! But as soon as i use one of them, its like they can not wait to drop my credit score for using my cards????? Why is that happening? Please explain?? 

And its like every time i complain about it, it only gets worst!! Why does this keep happening?? I am enclosing a up to date copy of my credit repost so you can see for yourself! 
And please don't get upset at the complaint!! Just fix the problem because if it was happening to you, you would not like it now would you?? Just remember that you reap what you sow and XXXX doesn't like ugly
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy items on my credit report as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX  XXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX  XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Product: Student loan

WE WERE SCAMMED BY NELNET!! 
We have 5 active parent plus loans through Nelnet. Two of our loans originating in XXXX were on a graduated repayment plan with approx 2 years remaining. Last month, we noticed the repayment terms had been changed by Nelnet to an extended graduated repayment. This was done without our knowledge or consent. This change in terms extended our repayment 15 additional years and will result in 10x the interest that we would have paid over the next 2 years. We contacted Nelnet multiple times to question this change and were advised that due to a federal regulation, all loans had to be modified to the same repayment terms. We could not locate any such federal regulation stating this. We requested this information through Nelnet and have not received any correspondence. They are refusing to change the two loans in question back to original payment terms. We had signed promissory notes when taking out these loans and Nelnet is stealing consumers money by extending their loan terms and collecting more interest on those loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account on my credit report which is a XXXX card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a chase card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX