23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is regarding Portfolio Recovery Associates , LLC. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX On XX/XX/XXXX I was summoned by Portfolio Recovery Associates , LLC a complaint was filed against me. With the summons I received a copy of XXXX statement with a balance. I responded to the summons and requested by certified mail to Portfolio Recovery Associates , LLC and XXXX attorney XXXX XXXX XXXX on XX/XX/XXXX requesting proof of purchase from original creditor, XXXX of custody and dates with collector XXXX correct order. Proof of contract from original creditor showing my signature to start the relationship with XXXX XXXX The demand letter from the original creditor. Privacy notice. Explanation on how Portfolio Recovery Associates , LLC was able to have access to private information. Requested balances, payment history, balances after the made payment and interest rate disclosures, credits, charges with all signatures and PIN code authorizations on all alleged charges. The complete account. 
A court date was scheduled for XX/XX/XXXX I did not receive a response from Portfolio Recovery Services or their attorney XXXX XXXX XXXX. A second request was sent on XX/XX/XXXX with no response. 

A notice was filed XX/XX/XXXX from the plaintiff Portfolio Recovery Associates , LLC of the voluntary dismissal of this action without prejudice at Plaintiffs cost. 

This company has refused and will not provide requested information yet I have received a statement requesting I pay said balances.
Product: Debt collection

Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

RESUBMISSION : I reached out to portfolio for the first time to acquire validation on an alleged account reporting to my file. They sent back a letter the first time stating " They had electronic files and If I wanted to see them to request it. '' Funny this is, is that my first letter to them was requesting the documents that they had on file to " validate the account. '' I reached out to them again ( as you can see from the green slips attached ) and I never received a response from them. I also filed an original complaint XX/XX/2022 and it was closed without being looked into.
Product: Vehicle loan or lease

I sent Prime Acceptance Corp., a letter disputing Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' Prime Acceptance Corp., Clearly was NON Complaint by sending me a response paper ( which completely evaded my question ). I have rights under the FCRA and the Fair Debt Collections Practices Act. Why are these laws set in place if they can be broken so easily? 

Prime Acceptance Corp., needs to answer the initial disputed question Instead of sending a frivolous response ... Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Prime Acceptance Corp., needs to remove this tradeline from my credit or I'll be filing suite against the company.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiry 700CRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Debt collection

I purchased a XXXX XXXX XXXX on XX/XX/XXXX, from XXXX. It was financed through Bridgecrest. 

The XXXX had multiple issues, including a replacement engine ; however, I still made on time payments to Bridgecrest through auto-withdrawals in XXXX and XXXX. In XXXX, XXXX let me know they are doing a backout on the XXXX, because they claim the mileage didn't match their title ( they actually rolled back the miles, but that's a separate case I have ). 

I approved the backout, and XXXX issued Bridgecrest to reverse my two payments. Which show in the portal ; however, it now shows I have a balance due of those two payments, and for the past week they have called two to three times a day. Every person I spoke to, I explain the situation, they open up my record, and see that I am all good ; however, they must not open my record before calling. 

Also, my reversed payments still haven't showed up in my bank account, they said it could take 30 - 90 days to refund my money ; however, they use threatening terms like they are going to report me to the credit bureau, and they are charging interest, even though they are the ones who issued the reversal. 

Needless to say, I am burnt out, they won't stop calling during work hours, they say they add notes to my file ; however, whenever I talk to them, they apologize for threatening me, and calling me, but still keep doing it.
Product: Credit reporting or other personal consumer reports

After carefully reviewing all three of my credit reports from the three major credit bureaus, XXXX, XXXX and Equifax, I noticed that there were multiple errors on my report which included hard credit inquires that were not legally authorized or made by myself. The inquires are listed as it follows below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, Synchrony Bank use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Synchrony Bank has discriminated against me for closing my account without my consent. 
Synchrony Bank is furnishing inaccurate information relating to a consumer to any consumer reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XX/XX/1982
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I made the following payments to MOHELA XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$6000.00} I have proof of all these payments to MOHELA on my bank acocunt. 
MOHELA lost my payment made on XX/XX/XXXX for {$800.00} I sent them my bank statement. 
I keep getting different stories from CSRs. 
THey lost {$800.00}.
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXX, XX/XX/XXXX ( Listed as a Late payment ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ( Listed as late payments ) Spoke with someone to process a hardship during the times. Late payments were still reported. Which was a violation Under the FCRA of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX  to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Product: Mortgage

I have an escrow account with my mortgage servicer Mr. Cooper. The escrow account pays my property taxes and school taxes and home insurance. Mr. Cooper is refusing to process the payment to pay my school tax bill despite me sending them a copy of this bill back in XXXX. Ive called them numerous times and they are claiming that in their system, the bill was already paid. It wasnt paid. Mr. Cooper even tried to send me a refund check claiming that my escrow account had an extra {$2000.00} that was not needed. The extra {$2000.00} was for the school tax bill that they never paid and then marked it as paid. This is so frustrating. I got a late notice from the county that I now owe an additional {$210.00} late fee on top of my school tax bill. Im not going to pay a late fee on a bill that should have had the payment processed from my escrow account back in XXXX when I sent them the bill. Its now XXXX and they still havent paid the school tax bill and the extra {$2000.00} sits in my escrow account. I dont know what to do. I keep calling and they refuse to process the payment. This needs to be fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the equifax data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Product: Debt collection

I received a notification from my credit monitoring service and the following is what showed up : A company called General Service Bureau placed a collection on my XXXX report for {$190.00}. I have received no dunning, no contact and no proof of debt from them. I recently applied for a mortgage refi so I am assuming they are trying to cash in by illegally placing an improper collection on my credit report. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX
Product: Debt collection

I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$520.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account. 
- Show me that you are licensed to collect in my state. 
- Provide me with your license numbers and Registered Agent of Service. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 


If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be inaccurate.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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: Mortgage

I have been on a covid forebearance since XX/XX/XXXX with XXXX mortgage and then on XXXX this year the file was transfered to XXXX XXXX. I was offered a deferal at the end of the covid forebearance period and upon transfer, I was told by XXXX and confimred by Select Portfolio Servicing that they would honor the deferal at the end of the final period which was XX/XX/XXXX. I sent the documentation they requested from XXXX. 
Now Select Portfolio Servicing is stating that the investor does not want to honor this and they want to me to go through a retention review process. I was told the deferral would be automatic.
Product: Credit reporting or other personal consumer reports

My credit report is stating that this account is derogatory and that is inaccurate because the account is paid in full. Also, the balance is XXXX. I have letter from XXXX XXXX stating that the account is paid in full.