23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have wrote disputes to navy federal sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers Navy Federal XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact.

Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law.

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX M & T bank repossessed my car for late payment despite my best efforts to pay. My experience with their systems has been terrible. Phone tree systems do not work properly and frequently disconnect. Employees deliver incorrect and unclear information. Payment systems seem to not work well. Mobile app frequently malfunctions. Communications from the bank are inconsistent with some months missing. When requested employees claimed the bank had attempted to contact me and to leave voicemails but the inbox was full. I know this not to be true and could provide records of that fact. The bank seems to make payment and contact intentionally difficult to create opportunities for late charges and additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

We applied for a credit card with   XXXX   XXXX   and was told that Equifax has us owing a credit card {$10000.00}. We pay all our credit cards in full each month for the last 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX XXXX ) CONVERGENT OUTSOURING ( XXXX ) ACCT # XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ),  when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Debt collection

Dealing with this company for quite a while now. When I originally got sued by them they " served '' me at a very old address. I work for collection agency and know how easy skip tracing is, unless you don't care because if an old address is served, clearly the individual can't show up to the hearing and a default judgement is granted. This was in XXXX I believe. 
Fast forward to now and on their own website it says Your account information can not be viewed online at this time. 
Please call XXXX, XXXX at XXXX. In other words, they no longer hold my account and it is with another collection agency. An agency I have never received any correspondence from. 
My other account with Portfolio Recovery states " Account Disclosures : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you on this debt. '' Both of these accounts are from the same time period and beyond statute of limitations for suing.

So imagine my surprise when on Friday XX/XX/XXXX, I get a certified letter from XXXX XXXX courts stating they are trying to reinstate the previous judgement from Attorney XXXX XXXX with Portfolio Recovery associates listed as the Plaintiff. How can they be the Plaintiff when it is no longer handled by them and it is so old? 
Also when I requested proof of debt previously I was mailed card statements with some nonsense stamped on the top that the account is with portfolio recovery. That is not original evidence, that is doctored evidence by them. 
I then did a live chat with XXXX XXXX to see if they were part of Portfolio Recovery and they stated they are an " Independent Network '' so a totally different agency.

I have sent all of this in response to the court but I also know Portfolio Recovery has been fined previously and think they should be investigated again. I think the attorney should also be investigated and will be filing a complaint with the XXXX  attorney general as well as an FCRA complaint online as well as certified letters to both agencies. 

I am absolutely not letting this go. 

I have screenshots and photos to prove all of what I am stating. I have sent it to the attorney but of course have heard nothing back. I have sent it certified to the court and hope to hear something back soon.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurately I never received the right to redeem! The Deficiency balance statement for this repossession with never provided. The notice of sale document for this repossession with never provided Neither has the proper licensing of proof of title/ proof of ownership. Under regulation F and 15 usc 1692f Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting Collection account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law Account to be deleted XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. 

This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information is incorrect I saw different variations of my first name last name my address my work history a lot of things are incorrect on my C report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Child Support with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

This is not an error, and I need this matter addressed immediately. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have repeatedly come across these inaccuracies, and despite my efforts to correct them, they remain unresolved. This situation is extremely concerning and has caused me ongoing stress and anxiety. It is unacceptable that incorrect information continues to affect my credit and financial stability.
Product: Checking or savings account

PNC Bank limits consumer choices by not allowing accounts to be linked with other XXXX apps such as XXXX. This limits consumer choice and is an uncompetitive action
Product: Debt collection

This company continues to put false information on my credit report. I have a letter and emails from the Apartment Manager saying I dont owe that and also a email agreement to be let out of lease also pictures of the apartment cleaned carpet and all. I have work orders from the 2nd day of moving in complaining about the bathroom floor leaking etc I have 30 work orders that I saved also witness from the last 2 previous tenants saying they had the same issues and were charged for it when they moved out. I will take this company to court this is not right and As of this moment I am getting all the information from the judge etc pictures and all I even have live videos of the place and the neighbors as witness of how the place was cleaned and the carpet company as a witness they cleaned the carpets spotless yet I'm being charged for carpet even after I asked for an exit walk through and they refused to do so that's why I took pictures and live videos and only spoke through emails so I can have it because they never fixed anything and I knew they would scam me that's why I had the health inspectors out there. Please show me the proof of what's owed or what was not cleaned because I have the live videos and pictures and emails from the manager saying I didnt owe I have all that stuff the clerck of the courts advised me to do so this is so wrong and it's a crime to falsely bill someone XXXX for what a floor that was already messed up I have the work orders that I put in from even the 2nd day even the previous tenants has work orders that they had put I for the same floor when they lived there we could of fell through yet they want to charge for wood they should of replaced a long time ago this is wrong so guess what I am filing charges and they tell me they no longer owe this account so I will go after this company for falsifying information I took all this to the court house when. We went to court I took the complex to court so the ongoing issue is already known that's why the health inspector came out this is wrong so I am suing. This is fraud and is against the law to charge or place something on someones credit that they dont owe especially with a signed letter from the leasing manager saying I dont owe it. I am pressing charges.
Product: Money transfer, virtual currency, or money service

This concerns Paypal. I am a regular consumer ( not a merchant. ) My problems started when I had a dispute with a vendor and blocked a Paypal payment of about {$150.00}. I blocked it with my credit card company ( XXXX ), but I believe the original purchase was made with Paypal ( who then charged it to XXXX. ) Now Paypal shows my entire account blocked because of the dispute. But i can not clear the dispute from Paypal. 

Shortly after this dispute arose I had {$3700.00} deposited into my Paypal account. Now Paypal won't let me transfer those funds to my bank account. Paypal has held my money for 9 days now. 

The Paypal web site claims to allow me straighten things out, but the resolution function either doesn't work ( the wheel spins and spins ), or it confusingly demands that I upload documents without telling me what documents. 

I called Paypal but got into a lengthy phone tree. 

I feel that Paypal is abusing its control of my funds. It is using the minor issue of a previous dispute to forcibly deny me access to my funds, By the way, some of my friends have similar complaints. I think Paypal is making the transition to being just another abusive Internet company. 

I hope that CFPB will keep closer scrutiny on Paypal. 

And please let me get access to my funds. Once I have extricated myself from Paypal, I will very, very cautious about ever using their service again.
Product: Credit reporting or other personal consumer reports

I filed my first complaint to XXXX XXXX Department on XX/XX/XXXXXXXX  ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXX ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.
Product: Debt collection

I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.
Product: Credit card

Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

Thank you!