23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter in XX/XX/XXXX from XXXX XXXX XXXX collecting for Portfolio Recovery Associates , LLC. They wanted to collect a debt from XX/XX/XXXX. Ten years!! I sent them a letter requesting verification/ validation. They never sent it. XXXX XXXX XXXX sent a letter containing only a default judgment document from XXXX. This is the first time finding out about this debt and default judgment. Portfolio Recovery Associates bought the debt and never contacted me by mail. The entire time they were purposely sending communication to the wrong old address. My right to verify and dispute any debt was denied. I believe they purposely do this to consumers so that they can bring a lawsuit without contest. I obtained the court docs and Yes, they had the petition filed with an old address. 
I am formally disputing and contesting the actions of Portfolio Recovery Associates, LLD, in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. I hereby declare that I dispute owing any and all debts to and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Portfolio Recovery Associates , LLC and the original creditor pertaining to the said debt. It has come to my attention that Portfolio Recovery Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I was denied the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Portfolio Recovery Associates , LLC has proceeded to place a default judgment without my right to dispute, proper service, and false filing of court documents. I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by Portfolio Recovery Associates , LLC. Your prompt attention to this matter is greatly appreciated. Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting the CFPB because Im having a problem with Ava finance I will label them out in exact order of how this happened 1. I realized by looking at my consumer reports, that they were not reporting correctly to all 3 agencies 2. I contacted and spoke with a man named XXXX from customer service through email and explained the situation and that they were not doing their jobs 3. Now magically my auto payment was not taken out even though it is taken out every month for over a year 4. So I go on my app and pay it manually so that I dont occur any late payments you know like a person should do 5. Payment says being processed on their app 6. Now theyre emailing me repeatedly saying my payment is 1,2,3 days late even though I paid it manually and it says processing on their app 7. Now I am emailing them to fix this problem theyre main support email and the man XXXX again and my husband has called for me and now no one can help us So heres why I am contacting you to do the job our great government has given you to uphold I have perfect credit and if they do something to tarnish my credit they themselves will be the target of legal action So I am asking you to have them fix their wrong doings Now that I have contacted you about this situation you are just as liable as they are seeing as though it is your job to govern these companies Thank you -XXXX XXXX
Product: Debt collection

Sca Collections Inc - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Product: Credit card or prepaid card

Trying to utilize a third party monitoring system and it is not being allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, Equifax and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Product: Student loan

I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.
Product: Credit reporting or other personal consumer reports

I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, XXXX, XXXX, and Equifax have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.
Product: Checking or savings account

I have a business checking account as well as a personal checking account with Capital One Bank. In the past, I was able to transfer funds from my business to checking account to pay my personal bills and etc. Capital One has recently updated their website and they are now telling me that I can not make transfers or pay myself from my business account. They are MISLEADINGLY referring that to IRS tax policies. I am have asked them to review my past transactions where clearly shows these types of withdrawals. 

In addition, my business saving account has interest payment IRS tax withholdings. I have patiently worked with Capital One to correct my Federal Tax ID number which was mistakenly typed wrong by them. This has been going on for more than a year now. I have sent them several completed XXXX forms and each time they have failed to correct that in my account. 

The whole process is very frustrating especially when Capital One is treating their 360 Checking account differently than other personal checking accounts. The only choice for me is to cancel my account and go to another bank. This process will be very time consuming and costly as all my vendors are automatically set to be paid ( ACH ) from this account. The whole issue has occurred since Capital One has updated their site and it has nothing to do with IRS policies. 

I would appreciate it if you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent on XXXX and XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : BARCLAYS BANK DELAWARE Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how XXXX  and TRANSUNION are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President XXXX. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, XXXX and TRANSUNION are interpreting and reporting on my credit status.
Product: Debt collection

I am a consumer as identified in XXXX XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

Bank XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to Sunrise Credit Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Payday loan, title loan, or personal loan

I applied for a personal loan and it was funded in XXXX XXXXOne reason I choose Discover is because it said no pre-payment penalty. Discover set up the first payment for XX/XX/23. The regular payment is {$480.00}. On XX/XX/XXXX, I paid {$580.00} which was an extra {$100.00} in addition to the regular payment. Instead of Discover counting the extra {$100.00} to the principal alone, they took some and applied it to the interest and only {$56.00} or so went toward principal. When I called to complain, their excuse was that because it was the first payment, it had accrued more interest because it was like 53 days since the funds were distributed. I explained to them that Discover set up the payment as well as the payment plan and that should have been taken into account when they set up the payment plan and that should NOT have affected my {$100.00} EXTRA PAYMENT THAT WAS MEANT TO GO 100 % TOWARD PRINCIPAL. I signed in today to make another payment and had every intention of paying an additional {$100.00} but if they are just going to take some of it and apply toward imaginary principal, I decided not to pay extra which of course benefits Discover. So in effect, it has a prepayment penalty.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX was reported to be removed off my credit report by experian now its listed as remains. Also XXXX XXXX  with their incorrect information on my credit report is stopping me from getting a vehicle something i desperately need. Life asset have no idea. XXXX XXXX knew they got paid & XXXX was supposed to pay to remaining balance. XXXX XXXX XXXX I asked for original contract. Never sent it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.
Product: Credit reporting or other personal consumer reports

Dear XXXX, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.
Product: Credit reporting or other personal consumer reports

Validation of debt requested and 1099c Violates U.S.C. 1681 Company was unable to provide the information on charge
Product: Debt collection

I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that have been a victim identity theft and found numerous credit inquires. 
please remove fraudulent inquires in my credit report. Thank you You