23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Product: Checking or savings account

I have been dealing with this company since 2013. I have had several accounts and have been trying to receive all the funds from each account for three years. 

The representatives have been very difficult with me and have requested such things as Military records XXXX, BIRTH RECORDS, SSN AND DRIVER S LICENSE TO PROVE WHO I AM. TO THIS DAY I HAVE NOT GOTTEN FUNDS FROM THESE ACCOUNTS. THEY ALL CAN BE FOUND UNDER. XXXX. XXXX A XXXX... 

Can you please help me get my money and stop this company from their politically directed tactics. I am a top member of the intelligence community and feel my personal identity is being used by this company as well as thousands of dollars give to me by the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.
Product: Debt collection

THIS IS NOT A DUPLICATE- I am submitting this formal complaint regarding the unlawful debt collection practices and improper credit reporting by Portfolio Recovery Associates , LLC ( PRA ). Over the course of the past several months, I have been diligently trying to resolve this issue through multiple disputes with the CFPB. However, despite my efforts, PRA continues to furnish the same invalid information, failing to address the legal violations surrounding this account. 

As of today, XX/XX/year>, I have once again received the same documentation from PRA that I received a few weeks ago, following my previous complaint filed on XX/XX/year>. The information provided by PRA continues to prove that : The debt is time-barred under Louisiana law : The last payment on this account was made more than three years ago, and thus the debt is now past the prescription period for collection, per Louisiana Civil Code 3494, which establishes a three-year statute of limitations for open accounts. Despite this, PRA insists on pursuing collection, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA 807 ( 5 ) ).

No Final Demand Letter was sent : In violation of Louisiana Revised Statutes 9:3527, XXXX XXXX  did not issue a final demand letter before charging off and selling the account. The only correspondence PRA has produced is a letter of sale, which is insufficient under Louisiana law.

Premature Charge-Off : The account was charged off two days before the due date, which is improper and violates the terms of my agreement with XXXX XXXX  XXXX This premature charge-off means the account should not have been sold to PRA in the first place.

Despite the clarity of these violations, PRA has continued to assert that the debt is valid, providing the same unsubstantiated documentation in response to each of my complaints. Their failure to address the factual and legal issues surrounding this debt, and their ongoing attempts to collect, are not only frustrating but also unlawful. 

I have submitted a formal dispute through Portfolio Recovery Associates dispute email and have attached documentation.
Product: Money transfer, virtual currency, or money service

Transferred XXXX LiteCoins into my GDAX.com account from a external site. XXXX received the money on their sister site ( XXXX ). Coinbase shows as having received these XXXX Litecoins. Coinbase then automatically forwarded these funds into my XXXX account. These transfers are instantaneous and free. Coinbase confirmed receiving the funds, and confirmed sending the funds to my XXXX account. 

My XXXX account never received the funds. They never even showed up as a pending or complete transfer in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer service rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of virtual currency XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX. 

Please help me to recover my funds that they lost!
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I am requesting you open an investigation on Ditech Financial LLC that used to be GREEN TREE LLC for the following reasons. I have sent numerous Fax letters requesting documentation of who the actual note holder of my mortgage. They have failed to provide me with the information .I have enclosed one of the fax letters I sent to Ditech Financial LLC in regards to this matter.
Product: Checking or savings account

Monday, XX/XX/2023, JP Morgan Chase Bank Leadership and JP Morgan Chase Legal Counsel, I am a former Chase banking member. I contacted the company again today as I received the below email today, XX/XX/2023, regarding an account I do not have with Chase Bank, that is now being linked to my social security number per Chase Bank. 

I do not currently have a Chase Bank account with this company. Furthermore, I am highly concerned my personal information may be jeopardized. I am unsure if I am a victim of fraud or if internal employees of Chase Bank using my information, and sending me emails. Simply put, I am confused as to why this continues to occur. Either way, please note I am not taking any action with Chase Bank, as I am no longer a member of JP Morgan Chase Bank.
Product: Debt collection

On XX/XX/2021 i received notification of a change on my credit report. A debt owed of XXXX for rental recovery. I never received any notice that it was going to a debt collection agency. 
I spoke to the Regional manager of the XXXX XXXX. And she said this debt was taken care of because the damage that they claimed were from damage from water leaks. They sent me a invoice of the carpet with a 5 yr warranty. Carpet was soaked from pipe burst. 
All work orders were sent into XXXX XXXX XXXX I was living there for 2 years and they expect no damage and to move people asap. 
This company failed to send notification they were sending to any debt collection service. And never received and notices of any debt after i spoke to regional manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Payday loan, title loan, or personal loan

I applied online for a loan a year ago. The amount of the loan was {$2000.00}. I been paying this loan for almost a year. I pay $ XXXX  monthly. I called the company to see how much was the balance of the loan. And they told me it was {$2000.00}, i asked how come is still the same balance if its been a year and they told me all this time I only been paying interest of the loan. And I only pay {$4.00} fo the loan balance and the rest of the money goes to interest. Please help.
Product: Student loan

I had several months were I could n't make the full payment of my loan and the adviser suggested I go into deferment instead of losing my payment to something I could afford. Also in two separate occasions I had to pay {$900.00} which was nearly 3 times the amount of my monthly payment. 
Loan payments are based on gross income instead of net. If I were to pay the full amount Navient would like of XXXX per month I would not be able to have an apartment and would be homeless. Repayment should be based on net pay not gross.
Product: Debt collection

I had a loan through One Main Financial that I paid off in full approximately 3 years ago. That One Main account was closed and was no longer appearing on my credit report. It showed up on my credit report about 8 months ago as being paid off but had a {$1.00} balance. 

As of XX/XX/XXXX, One Main started calling me repeatedly which I assumed were sales calls. They did not leave any messages. In XXXX of XXXX, they turned me into the credit bureau as being 30 days late on a loan that has been paid off with no attempts to reach out to me for years. 

I have disputed each month since XX/XX/XXXX through the credit bureaus and they all are removed, but One Main keeps resubmitting me as late 60 days or 90 days late which is ruining my excellent credit score.

They are fraudulently reporting me as owing debt that I do NOT owe. I paid the loan off in good faith when it fell behind 5 months ( due to the loss of my job ), so we worked to come up with a payment I could afford while I was XXXX, then I paid it off within a year. They closed the account, it was removed entirely from my credit report, and then they reopened it without my knowledge and are reporting that I owe a dollar. Not to mention, they repeatedly call my cell phone 4 times a day, on weekends, and use a variety of different numbers. 

I feel like I'm dealing with thugs who are harassing, manipulative, and use Unfair Credit Reporting tactics to get me to contact them and pay money I do not owe.
Product: Credit card or prepaid card

Checked balance of VanillaGift Card XXXX XX/XX/2022 and saw a fraudulent purchase made XX/XX/2022 XXXX. to XXXX. XXXX in the amount of {$290.00}. I did not make this purchase and I have never heard of this company. 

I immediately called the phone number on the card and was told to go online and file a dispute with VanillaGift Card and they immediately cancelled the card. Please see attached Dispute Packet filed and sent to InComm.Inc.
Product: Debt collection

On XXXX XXXX GLA Collections was notified via certified mail to validate a debt which is now posted to my consumer report ( XXXX XXXX XXXX ). I have mailed a debt validation letter as well as, a cease and desist and affidavit of truth. 

At the present time I am yet to receive a response to any of my request which included, account ledgers, promissory notes, or any documentary evidence of indebtedness that will show that GLA Collections is now the holder in due course. I also asked GLA to cease reporting and let the CRA 's know there is an open dispute pertaining to the validity of this account. 

As a result of the negative reporting by GLA which resulted in a decrease in my XXXX  score on my credit report. I was unable to secure a preferred tiered interest rate and other extensions of credit. Which resulted in thousands of dollars in additional interest charged to me over the course of years. 
This is personal, sensitive medical information which I did not give authorization and/or consent to release information to this third-party entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank, a large national bank contacted a primary account holding on a checking account in XX/XX/ 2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners.

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX 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: Debt collection

I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.
Product: Credit reporting

I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX