23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As the consumer I sent out a certified mail letter to Portfolio Recovery Associates. The certified letter was a cease and desist order to cease all communication in connection with debt collection. The FDCPA has defined exactly what " COMMUNICATION '' means within the law. The FCRA has defined exactly what " PERSON '' means within the law. 

Here is how the FDCPA defines COMMUNICATION, " the term " COMMUNICATION '' means the conveying of information regarding a debt DIRECTLY or INDIRECTLY to any person through any medium ''. 

Here is how the FCRA defines PERSON, " the term PERSON means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ''. 

Portfolio Recovery Associates received my notice of cease and desist communication in connection with a debt. XX/XX/2021 at XXXX XXXX, see certified mail confirmation attached. Portfolio Recovery Associates have stated in past correspondence that " We take compliance with all applicable state and federal laws very seriously ''. 

Portfolio Recovery Associates is not allowed to communicate in connection with debt collection to the consumer reporting agencies because they are INDIRECTLY communicating about me, after i told them not to. The consumer sending a cease and desist letter changes what would have been normally permitted by law. Clearly the law is saying that Portfolio Recovery Associates is no longer permitted by law to communicate in connection with debt collection to the consumer reporting agencies. 

Portfolio Recovery Associates is still reporting the alleged debt to the consumer reporting agencies even after having received notice on XX/XX/2021. The debt is alleged and it is false and misleading, for other creditors to see a collection account on my consumer report. The alleged debt is owned by Portfolio Recovery Associates, there is insufficient evidence to bring a breach of contract claim regarding this debt. Portfolio Recovery Associates will have to prove the elements of a breach of contract claim, I'll be looking forward to the testimony of an agent of Portfolio Recovery Associates, preferably one with first hand knowledge that can prove we have a contract and there was mutual assent..

Portfolio Recovery Associates has violated the federal law in more ways than 4. I have not included all the violations by Portfolio Recovery Associates, if needed they will be revealed.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX, XXXX XXXX, and XXXX XXXX provide me with documentation justifying them reporting late payments on my credit report. In turn they did not provide this information and XXXX and Transunion continue to report inaccurate late payments that are causing negative affects to my credit report and my ability to obtain credit.
Product: Debt collection

Office of the attorney general child support division, mailed a copy of a letter to my x wife that included my current employer. This is a violation of my privacy. the office of the attorney general has no right to tell my x wife my place of employment. 

Attached is a copy of the letter sent that verifies that they violated my rights. I circled the paragraph that shows the violation. Please block them from further collection attempts including but not limited to reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
Product: Credit reporting or other personal consumer reports

update to claim number XXXX EXPERIAN HAS BEEN PLACES ON NOTICE ON INACCURATE INFORMATION. EING REPORTED ON MY CONSUMER REPORT THAT GO AGAINST THE REQUIREMENTS UNDER THE FCRA 15 USC 1681a2 ( ii ) and 15USC 1681b. EXPERIAN HAS HAS 30 DAYS PLUS AN ADDIRIONAL 15 AS PER THE FCRA TO CORRECT ITA ERRORS AND IT HAS NOT DONE AO NOR RESPONDED ACCORSINGLY PER 15 USC 1681i. PER THE FCRA EXPERIAN HAS PAST ITS TIME REQUIREMENT AND MUST DELETE THE ALLOTTED ACCOUNTS MWNTIONED FROM MY CONAUMER REPORT IMMIDIATELY!
Product: Credit reporting or other personal consumer reports

I have requested a XXXX From XXXX XXXX XXXX, XXXX XXXX XXXX and kickoff XXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the 1099c Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to 12cfr 1006.34c section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.
Product: Checking or savings account

I sent a deposit from Wells Fargo to XXXX XXXX XXXX via transfer and they deducted it from my account and never actually sent it. I sent XXXX {$.00} on XX/XX/21. 
It was never received even after the account was verified on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX  XXXX  XXXX XXXX Account # : XXXX CREDITOR : XXXX  XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX  ACCOUNT Account # XXXX 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
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX # XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX Here I attach, XXXX XXXXh the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

The accounts below have violated my rights. 

* 15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days  before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to Capital one for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Product: Checking or savings account

I have been a loyal Wells Fargo customer for over 10 years. Recently, my debit card was fraudulently used for transactions I did not authorize. I was not physically present at the location of these transactions, nor did I approve or benefit from them. 

Despite reporting the issue promptly, Wells Fargo denied my claim, stating that the card was in my possession at the time of the fraud. This is unfair and unacceptable. Possessing the card does not mean I authorized the charges. 

I expect Wells Fargo to take accountability, conduct a proper investigation, and reimburse me for the unauthorized transactions. I trusted this bank with my money, and I feel completely let down by how this has been handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting or other personal consumer reports

Company incorrectly used my information hindering me from gaining new credit.
Product: Debt collection

Short version. XXXX XXXX is harassing me for a debt that exists due to their error and I was told years ago that it was cleared. 

In this statement, 'they ' is XXXX XXXX and/or XXXX XXXX unless otherwise specified. 
All information is to the best of my knowledge. 
Proof of the company 's failure to properly file with Medicaid is available from Medicaid. Both XXXX and Medicaid have information regarding the incident on file. 

Back in XXXX, I went to XXXX XXXX for a medical problem related to my XXXX. They incorrectly filed with Medicaid and were initially denied. I spent time on the phone with both XXXX XXXX  and Medicaid to fix this. By the time my daughter was born everything was supposedly fixed. 
Since then I've received mail about the amount and every year I've repeated what they told me in XXXX until they stopped in XXXX. They admitted the debt was covered by Medicaid and by their admission they didn't file with Medicaid until 7 months after. They also did not have the proper date on the filing. This information was repeated at my XXXX visit and I was told, " Just pay it to save time. '' This year ( XXXX ) I went to use their services and was denied because of this supposed debt. So I went through XXXX  to try and settle it. Instead I received mail from XXXX XXXX that I needed to stop the dispute and pay them. There was mention of contacting police. The letters felt like a threat and I did not respond because XXXX was clear that all dispute related discussion was to take place through XXXX. 
Today ( XX/XX/XXXX ) I received a notice that XXXX, without any official correspondence from XXXX XXXX or XXXX XXXX, found in their favor. This doesn't make sense as the only updates I received were that XXXX XXXX had not yet responded. 
They're trying to make me pay for their mistake and I'd like some help. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. 
Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each item is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year 2024. The thieves used my stolen information to obtain an apartment lease with XXXX XXXX XXXX. The thieves also used my information in an attempt to get credit cards. I became aware of this situation in XXXX after XXXX XXXX XXXX XXXX XXXX contacted me regarding a debt originating from the XXXX XXXX XXXX lease that was taken out in my name without my knowledge/consent. Afterward, I reviewed my credit report on XXXX and that's when I discovered several unknown names, addresses, and phone numbers on my credit report along with this collection account. This situation is a significant inconvenience and has drastically hindered my ability to obtain credit. Please investigate and remove this account from my credit report and uphold my rights furnished by the FCRA.
Product: Credit card or prepaid card

In XXXX our credit card with TDbank was fraudulently charged I reported the charges immediately and was not updated at all even though I continued to call every 2 weeks, they continually said claim still open no updates. Finally In XXXX they told me charges matched spending pattern, even though 3 of the five charges were with XXXX I had never done business with. I asked for them to reopen/reconsider, they said they would annotate this request. I continued to call every 2 weeks for update, finally in XXXX they had an update that the disputed charge had passed the 60 day period so XXXX would not allow them to reopen the dispute. In short, I was charged in 5 charges in XXXX, reported immediately, and never got the money back because of an incorrect determination that it was not fraud. I am now told there is nothing else I can do so I am trying this for help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, XXXX  XXXX  { XXXX }, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.