23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months. I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months, I have been called more than 7 times to collect a XXXX  XXXX XXXX account # XXXX, that account does not appear in my register, my XXXX  XXXX XXXX accounts are from XX/XX/XXXXand all were paid by Insurance against economic losses and unemployment " Credit Protection Plus and Credit Protection Deluxe ''. XXXX  XXXX XXXX did not act in good faith. XXXX XXXX XXXX Account was paid for the insurance I had inside my card in case of unemployment or loss of income. The insurance paid the total money. The XXXX  XXXX XXXX sold it without telling me anything and, in case they have sold it to another company without information of the sale, this debt is illegal, if not, without having a legal document, there is no legal or original contract between them and me. They tried all phone calls of possible illegal methods at all hours and on weekends. I am requesting " validation '' ; That is a competent test that bears my signature, which shows that I have a contractual obligation to pay " Original documents and my signature. '' Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e.  And this case was attended by you but with another company. The reference is " CFPB # XXXX '', they are my accounts with the XXXX XXXX XXXX. And this case was won in federal court # XXXX, the United States District Court for the XXXX District of California, and in the XXXX XXXX v. XXXX. XXXX XXXX XXXX XXXX Case No : XXXX, for the same reason against XXXX XXXX XXXX XXXX. For all these violations of the law and the continuous harassment of my person I am requesting the maximum of the monetary demand allowed in these cases, Portfolio Recovery Associates LLC, continues to violate all regulations and laws in a blatant manner without respect to anyone, I ask that Exercise the law in your total Power, by all points. 1. ) Defamation 2. ) Negligent authorization of identity fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including, among others, Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( which includes but is not limited to Section 623-b ) 5. ) Violated the Telephone Consumer Protection Act Litigation ( " TCPA '' ).

Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my XXXX and Equifax report and provided this information over to the reps, and managers at XXXX and Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but XXXX and Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Debt collection

Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also  reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.
Product: Vehicle loan or lease

The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.
Product: Debt collection

I sent a validation of debt letter to Jefferson Capital for a XXXX bill they are reporting on my credit report. I asked them to validate the debt and all they sent me was a copy of an old final bill. The debt was not validated as I asked. I have never had XXXX, I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached the letter I sent to Jefferson and also the letters that they sent back to me in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a Retail Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX XXXX XXXX and # XXXX SXXXX XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit and identity monitoring service notified me that a credit report had been requested on me with XXXX. Since I hadnt applied for a loan, gotten a credit card or anything related, I pursued this issue. 

Ostensibly the company that made the request for my credit report was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX The phone number is a XXXX area number and when I XXXX  it, the number appears to belong to an individual in a southern suburb of XXXX. 

I contacted Elan Financial, was transferred to their fraud department, but was told they couldnt help me as they only dealt with credit card fraud on cards held by their customers. I asked if there was someone else I could talk to and they said no. 

Ive since had security freezes put on all three credit reporting agencies but XXXX said they wont remove the inquiry until I file a report, which is why Im filing this.
Product: Credit reporting 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 XXXX  : # XXXX XXXX XXXX  XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.
Product: Credit reporting

I have disputed account XXXX from XXXX XXXX XXXX reporting inaccurately on my credit file. I was [ n ] ever late with respect to this account. Experian has conducted an improper cursory investigation into this account. A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. See : XXXX v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( 2010 ) .Please provide me with the method of verification as required under 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, unauthorized transactions were made on my account at citi bank ( debit card ). The fraudulent transactions are of a total of {$4000.00}. The transactions were made on gambling sites ( never used them and never will ) and car parts ( I don't own a car nor a driving license ). However it is clear that I did not make these transactions, citi bank refuses to refund me. This is outrageous. I have clearly not made these transactions and it's citi bank 's responsability to protect it's consumers from data theft. My information has been STOLEN. I want to get refunded but the bank refuses.
Product: Debt collection

Sent Debt verification to company, have not heard from Radius Global Solutions.
Product: Debt collection

Recmgntsys Opened XX/XX/2016 {$220.00} Original creditor : XXXX XXXX XXXX Overview {$220.00} Highest Balance {$200.00} Opened XX/XX/2016 ( 3 yrs, 4 mos ) Account status Open Type Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX Creditor Information RECEIVABLES MANAGEMENT SYSTEMS
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  because they closed an account that I'm still paying on, never late & it affected my credit report. I got the equipment from XXXX which has been and still is a problem with the equipment. I was told my account was closed because XXXX XXXX  no longer does business with XXXX. XXXX XXXX  financed my equipment, why are they closing my account because they don't do business with XXXX, that has nothing to do with me. If my account is closed why am I still making payments? The closing of my account affected credit score.
Product: Debt or credit management

I was in a debt relief program with Palisades Legal Group from XX/XX/XXXX through XX/XX/XXXX. In that time I paid them {$12000.00}. I decided to leave the group because it was costing me $ XXXX. I moved on to another company. I checked my XXXX XXXX for Palisades Legal Group and found that they only made payments to XXXX XXXX  starting in XX/XX/XXXX for a total of {$1500.00}, This account ended up in Court, other accounts were sold and others in collection. None of this happened before signing up with Palisades Legal Group. When I contacted them recently, I was told they couldn't help me with any questions because they no longer represented me. 

I have attached copies of the XXXX report as well as the spreadsheet I put together with comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from my original mortgage lender XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a Mr. Cooper. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a 30 plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted XXXX and Mr. Cooper to file a dispute and the reps told me that the change in servicer should not affect my credit score. Mr. Cooper rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!
Product: Credit reporting 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, XXXX XXXX : # 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.
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 U.S.C 1681.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date opened:XX/XX/XXXXAccount balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX Phone number XXXX 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 : 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 items of information, other than the 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 an accurate.
Product: Debt collection

I spoke with them and XXXX XXXX XXXX XXXX contacted them directly to provide check numbers and the amount paid. 

They informed me to disregard communication while they investigate. However, this was sent to a collection agency. I asked them for the reason they claimed I dont have insurance coverage. They sent {$280.00} to ATG collection agency a bill that was paid. 

The total bill for {$1100.00} needs to be cleared due to payments from XXXX XXXX XXXX XXXX. 
I paid all co-pays as well totaling {$730.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I am under threat of foreclosure because my mortgage company Roundpoint Mortgage Servicing has my money but will not apply it to my mortgage account. Roundpoint is violating the California Residential Mortgage Lending Act, specifically regarding timely posing of payments received.
Product: Debt collection

Fraudulently established accounts, originating XX/XX/21 around the same time my identity was attempted to be breached by someone that tried to file for unemployment benefits using my name address and any other info required to to so. The HR dept of my employer contacted me informing me of such. A few months prior I received an invoice from a collection agency representing a company named XXXX, which doesn't serve the area I live in, claiming I owed them an amount for service from XX/XX/21 onward. I never established this account, nor did I ever receive a bill from XXXX. It wasn't until I received communication from the collection agency that I became aware of the fraudulent account being established. Research revealed XXXX is a multimedia company offering cable and internet services among others. I have XXXX XXXX and XXXX  communications fiber optic for my multimedia and internet needs. I initially disregarded the communication as I didn't establish the account. After receiving a second or third notice I decided to attempt to contact XXXX to no avail as I wasn't able to reach an actual live customer service representative. I created a credit monitoring account through XXXX XXXX which is when I determined there were 3 accounts that I didn't establish that had been reported to the credit bureau as gone into collections by the companies represented 2 of which were XXXX. I immediately began the dispute process with XXXX XXXX, subsequently 2 of the 3 accounts were deleted from my credit report, the third met the minimum FCRA requirements and wasn't able to be deleted via the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX as well as Unauthorized Inquiries they said is XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, 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 furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER An ERROR OR A LIE. EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO, THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSO MUST BE DELETED. Also, I XXXX XXXX opt out of third party receiving my information as it is a violation of privacy act of 1974.
Product: Debt collection

Receiving MULTIPLE calls a day from Navient about my 'debt. ' I have no account with them. They are clearly looking for someone -else-, however they leave no reference to the name or account number in question. 

When I called to try and deal with the situation ( twice ), they tell me they can't stop calling because I only have my phone number as a reference ; they required a name or account number. I tell them they aren't LEAVING a name or account number in their twice ( or more ) daily calls, and ... silence.

I asked for a manager ; they say one will call me back ( which didn't happen ). They call multiple times a day from different numbers ; I am a professor and I have to open these voice mails over and over to see who is calling me and ensure it isn't a student who needs my attention. This is harassment at this point. I even tried writing a Cease and Desist letter to their corporate headquarters, which was then returned as undeliverable.