23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIRD REQUEST IN RESPONSE TO COMPLAINT XXXX - Dear PORTFOLIO RECOVERY ASSOCIATES, CREDIT CARD STATEMENTS ARE NOT PROOF OF DEBT OWNED. I am writing again in response to a recent letter from your office claiming that I owe {$21000.00} to Portfolio Recovery Associates, with reference number XXXX. I am disputing this debt and requesting validation based on the following facts, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Pursuant to the FDCPA, I would like the following provided : - The Name and Address of the Original and Current Creditor - The Purchase Agreement showing my Name and Signature The original Contract between myself and the creditor showing breach of contract including my signature Signed Agreement debtor has made with Debt Collector, or verifiable proof debtor has a Contractual obligation to pay debt collector -Verification of the Debt Amount that YOU are seeking to collect SHOWING that a CONTRACT exists create the amount that YOU CLAIM is OWED -All the assignments SHOWING the debt transfer from the ORIGINAL creditor to the CURRENT creditor- Please provide me with PROOF that the debt was SECURITIZED by the ORIGINAL creditor -Please show the ASSIGNMENTS of the debt from the ORIGINAL creditor to the SECURED TRUST and then back to the ORIGINAL creditor Was this Debt assigned to a debt collector or purchased? XXXX XXXX from XXXX collector XXXX XXXX was Purchased In the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? As of XX/XX/year> you have NOT provided me with a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION XXXX ( A ) ( XXXX ) ( A ) & SECTION XXXX ( A ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under SECTION XXXX ( A ) ( XXXX ). PLEASE BE ADVISED THAT UNDER SECTION XXXX ( XXXX ) ( A ) of FCRA, you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION XXXX & XXXX ) If you fail to comply with XXXX law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX is blatantly lying about sending me requested documentation on or about semester XXXX. I have not received any information from XXXX and XXXX and was treated very poorly and rudely from their customer service reps via phone, who stated that they will not waste their time with me. Thank you for your immediate cooperation, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The company FAIR COLLECTIONS & OUT account XXXX, has violated my right 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: Payday loan, title loan, or personal loan

I called synchrony bank thay told me i didnt live up to the contract and didnt pay it off in enough time, then the bank tacked on XXXX worth of intrest. I have been doing bussness withe ashley homestore in XXXX IN for years and bought 3 things frome them I have paid double and more on my bill but that wasnt good enough for the bank. 
I called XXXX where the call center is and the supervisor told me there was nothing i could do about it, i ask if i could to speek to someone that spoke english that is when i got the supervisor. That isnt right I have paid each month on or before and twice or more and still they stuck it to me.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  in XXXX  to relinquish myself from the responsibility of accounts that were reporting negative information. XXXX will not remove those accounts. This information on the report is keeping me from acquiring housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company calling itself Convergence Outsourcing to get this guy trying to collect on a debt I dont know if belongs to me. Of corse he got my information or had my information. I ask why they was reported fake addresses & phone numbers. Told him my social security number was used in prison system. I got pervert messages, ongoing XXXX messages sent to my cellphone. Their has been vandalizem to my vehicle & ongoing hit n runs on my vehicle.The culprits changed my DMV records to old addresses & left threatening notes on my vehicle. Using some kind of dynamic dialing system to hacking into my cellphone. Also they have sent my credit reports to unknowns addresses. They have threatened me with having my drivers license # & all my personal information threw text messages. Got into my car insurance policy online account. 
Had my vehicle reregistered in redding. I have disputed the same information they keep buying & addresses not mine, while someone is using my credit & buying & selling property changing my year of birth on my credit files. 3 companies that work for these culprits have same info. I gotten bags of default messages for a XXXX XXXX XXXX & hacking into my cellphone stealing data & following me stealing property out of my vehicle such as my handicap placecard & whatever I might have stored in my vehicle. My vehicle was starting without the keys & was taking to other towns without me. The culprits has cost me nothing but time & money harassing me threw my cellphone & threw the internet
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

Transaction history is excluded from a consumer report the IRS has accepted form 1099 c reporting account XXXX XXXX XXXX XXXX XXXX XXXX as financial gain. 
Please cease the reporting and update the balance to {$0.00} or delete this account.
Product: Debt collection

In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX  bankruptcy Case No. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Todays Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Inquiries Dispute with FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are the result of fraudulent activity. As such, they should be removed from my credit file immediately. 

The unauthorized inquiries in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] These inquiries have negatively impacted my credit score, and I request their immediate removal. I have included my FTC Identity Theft Report ( FTC Report ID : [ XXXX ] ) to support this claim. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XXXX 5,2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, XXXX, Experian ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, XXXX, Experian ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment l had been making are not reflecting towards the balance. Therefore reporting inaccurate on my credit report. 

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
Product: Debt collection

XX/XX/2018 XXXX XXXX. Called my house from this number XXXX XX/XX/2018 XXXX called and hung up on my house phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to log in to the website to get information or cancel my membership. I have tried 6 different phone numbers for Experian but I get the exact same automated message without any option to speak to a representative. The time that I said I was having trouble logging in, they said they would send me a link to change my password but the link didnt work. When I tried, via the automated system, to cancel my account it said that I could cancel my free account but the account I wanted to cancel was not a free account. I sent Experian an email with the above complaints on XX/XX/XXXX and still have not received a response. I am trapped unless I can get a live person to help me. 
This is the worst customer service I have ever experienced. I hope that the Consumer Protection Bureau can help me get in touch with a live person that could resolve my issues. 
Thank you, XXXX XXXX
Product: Debt collection

THIS COMPANY IS DAMAGING MY CREDIT I AM A VICTIM OF IDENTITY FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Purchased XXXX phones over 12 years ago. The promo was if not happy with the phones or service return them both within 14 days & their would be no fees or charges, which is what I did. And I have been getting a bill ever since. A friend of a friend recently worked for XXXX XXXX & was stealing customers info phones & money for which they were prosecuted, Im sure my personal info was used but I dont know to what extent. Shortly after that thats when I started getting bills from creditor. 22 years later & how did they know my whereabouts. I notified XXXX  XXXX & all the credit bureaus to no orvail to let them know this bill was not correct & should have been taken off my credit report years ago. Now I get a bill that the bill the claim was {$150.00} is now {$63.00} ( REALLY ) thus collection agency Convergent Outsourcing needs to find out from XXXX XXXX how long ago was this supposed bill created,? & the circumstances around the bill. I dont owe & Im tired of explaining this I want this off my credit report immediately.
Product: Debt collection

I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Product: Credit reporting or other personal consumer reports

As I recently checked my credit report, I found an ancient fraudulent account,
Product: Checking or savings account

I banked with regions XXXX XXXX, They give u 30 days to make a first time deposit, I couldnt make the deposit because the online banking app doesnt work and I had to call for a card to be sent out, Im finally able to make a deposit they send it back and close my acc when I have a check coming to that account. I did not have a full 30 days to make the withdrawal and within the time frame I attempted to make a deposit
Product: Checking or savings account

I was over charged on XX/XX/year> XXXX from XXXX XXXX Desk. Cash app told me after XXXX  days the pending charges would drop. On the XXXX  day after calling they ended up charging me anyway. I looked on the statements for that month I still have pending charges. XX/XX/year> for XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX and the main reason for complaint is XXXX XXXX XXXX XXXX AND WHY IS MY XXXX XXXX NEGATIVE XXXX
Product: Consumer Loan

I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.
Product: Debt collection

I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXXXXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.