23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account online with SunTrust Bank, received my debit card and used the account and without notice it was closed. Mind you, in between time, I opened an account for my business as well which they sent me checks for and then closed! I was told it was because of rules and regulations. That was it! No letter received or anything else. One person said it was because of fraud and I needed to go into the branch. Well I did that yesterday ( XX/XX/21 ) but today I was told when I called to check on the status that it was in the process of being closed. What the heck! I don't owe SunTrust any money, my credit is good, I have employment and a business and I am a former employee! I am a XXXX year old XXXX woman and highly offended! This feels like discrimination!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing the below actions from Enhanced Recovery Company to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then Enhanced Recovery Company continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt XXXXollectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

ENHANCED RECOVERY COMPANY Last reported XX/XX/XXXX {$80.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
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. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleded debt. Report inaccurate information on a consumer profile is violation of FCRA. This account was already removed from my transunion report but is still showing reporting on my XXXX. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Student loan

I, like many other federal employees, applied for TEPSLF, first through XXXX, and now through Mohela. In XX/XX/XXXX, after I lost my job, my existing FFEL loans were placed into economic hardship deferment. In XX/XX/XXXX, I began my employment with the federal government. In XX/XX/XXXX, my loans were placed into " forbearance '' as I began the process of consolidating them so that I would be eligible for PSLF someday. The consolidation was completed by XX/XX/XXXX. When XXXX, and then Mohela, started tracking my payment history for TEPSLF/PSLF, I noticed that several months of payment history were missing - specifically XX/XX/XXXX through and including XX/XX/XXXX. On or around XX/XX/XXXX, I contacted Mohela about the missing payment periods and sent a screenshot of my loan history from studentaid.gov. The payment history for XX/XX/XXXX and XX/XX/XXXX was restored and I got credit for those two months. However, the payment history from XX/XX/XXXX through XX/XX/XXXX is still missing. I have eligible employment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and I would like credit for that because I am close to 120 payments. In XX/XX/XXXX, I sent Mohela an updated PSLF application certifying the previous 12 months of eligible employment so that my payment count would be updated. After the payment count was updated, on XX/XX/XXXX, I sent Mohela a message asking when the payment history from XX/XX/XXXX up to and including XX/XX/XXXX would be added so I could get credit. Mohela said that XXXX would update the payment counts by XX/XX/XXXX. That didn't happen. In or around XX/XX/XXXX, I sent Mohela the nearly 10-year old emails documenting the economic hardship deferment and forbearance of my loans in XXXX and XXXX. I also contacted Mohela on XX/XX/XXXX to ask when the payment count would be updated and got a generic response. I called Mohela and actually got to speak to a person, who assured me this would be updated within a week. When that didn't happen, I contacted Mohela on XX/XX/XXXX, and Mohela responded by saying that I should see updates to the payment counts " over the next two months. '' It still hasn't happened. I also filed a complaint with studentaid.gov on or around XX/XX/XXXX. I have not received any response other than an acknowledgement that I filed the complaint.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$35000.00}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$35000.00}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, XXXX XXXX XXXX, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity. 
Harassment : XXXX XXXX Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report. 
Corrective Action : XXXX XXXX XXXX must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with XXXX XXXX XXXX. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation
Product: Credit card

AMERICAN EXPRESS FILE NEGATIVE INFORMATION FROM BUSINESS ACCOUNT ON TO MY PERSONAL CREDIT. I'M NOT RESPONSIBLE FOR THIS BUSINESS ACCOUNT. 
PLEASE REMOVE IT FROM MY CREDIT REPORT.
Product: Debt collection

Portfolio Recovery makes numerous harassing phone calls to me about a debt that is past the statute of limitations in WA state, the debt is over XXXX yrs old and is no longer recoverable. 
I have informed them of this and asked them to please stop calling me, and they will not stop, and call my number sometimes several times a day. 
I am also XXXX and these harassing phone calls meant to intimidate me are affecting my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2017 I opened an checking account with First Tennessee Bank in respond to a promotion they were advertising on their website at the time : Checking account with direct deposit and get {$300.00} with promotion code XXXX. At the time the ads did not mention anything about direct mailer other than being a resident of TN and surrounding area. Two months after I satisfied the direct deposit requirement my account was still not credited with the {$300.00} that they advertised. So in late XX/XX/XXXX I contacted the bank by phone, and after the agent verified my direct deposits she assured me that the bonus would be credited to my account within 3 to 5 business days because she said she has put in an escalating ticket for me. But a week passed, then two weeks, and still nothing. Finally in late XX/XX/XXXX after I complained in the bank survey someone contacted me, only this time i was given a totally different answer. I was told they denied my bonus because they believe my home address was not on their mailing list. They now claim that promotion was for physical mailer only. What a total lie! That promotion was advertised boldly on their website at the time and i just clicked on the " APPLY NOW '' button under that ads and opened my account. It was never a physical mailer! I don't understand why they are making up such lousy lies now. The only explanation would be to avoid paying out the bonus that they promised in their ads. Either way, that kind of marketing/business practice is very deceiving and dishonest. They may be able to acquire customers quickly at first but won't last.
Product: Credit reporting

For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.
Product: Student loan

I got a letter from a collection agency on XX/XX//19 called XXXX XXXX XXXX. I have never heard of this loan and think it's fraud or identity theft. I've never seen a bill for it & it's never been on my credit reports. I called Navient & and they said they would mail a promissory note but that proves that money is owed, not that i took out the money. I want to see proof i signed for this loan, something with my signature on it proving i took out this loan. For all i know it's internet crime and i don't owe them anything. I want proof that i can see with my signature saying i took this loan out & it went towards my college education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe XXXX balances from XXXX companies for XXXX account? Please explain to me how I owe this debt to XXXX people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

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

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX  XXXX  ) placed on my consumer report by XXXX XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Product: Debt collection

Portfolio Recovery Associates allegedly owns multiple collection " accounts '' impacting my credit score. It has been WELL over 30 days since I have disputed the debts, and submitted requests for my original contract with my original signature, an itemization of all billing on said accounts, as well as the the original purchase agreements that show they're the legal owner of the alleged debts, as well as all of the terms and conditions included in their purchase agreements. 

None of this information has been provided to me, and it has been several months since I requested the information and disputed the accounts. 

I receive well over 100 calls a month from varying phone numbers from Portfolio Recovery Associates. They have been early as XXXX, and late as XXXX. They call me on average 3-10 times a day, and most frequently at obsurdly late and early hours. I received one call from thr specifically at XXXX in this past XXXX. They are harassing me for debts they have failed to provide proof of ownership to, or proof of my responsibility for. 

The account totals are allegedly as follows : XXXXXXXX XXXX  {$2500.00} XXXX XXXX {$670.00} Their abusive calling tactics are classified as harassment, and their failure to supply the aforementioned information in a timely fashion while said alleged debts have impacted my credit score, warrants a settlement of no greater than {$1000.00} to be paid to me by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX and Equifax to immediately delete and remove all fraud alerts and blocks from my XXXX and Equifax credit report, so XXXX XXXX Bank can access and get a copy of my XXXX and Equifax credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my XXXX or Equifax credit report due to a block being on my XXXX and Equifax credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX, XXXX, Experian IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX, EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Debt collection

Dear CFPB, I appreciate your attention to my initial complaint regarding Portfolio Recovery Associates , LLC ( PRA, LLC ) and their attempts to collect a debt that I have disputed. I have since received a response from PRA, LLC 's Disputes Department. Complaint # XXXX However, I have concerns that remain unaddressed : Lack of Licensing Verification : In my initial complaint, I mentioned that, to my knowledge, PRA, LLC is not licensed to operate in my state. Their response did not address or provide any evidence of their licensing status. I believe this is a crucial aspect of my complaint, as their authority to collect debts in my state of residence is in question. 

Inadequate Validation of Debt : PRA, LLC has provided a statement from XXXX XXXX as their sole evidence of the debt 's validity. Notably, the statement shows a credit limit of {$1000.00}, yet the balance stands at {$1200.00}. This raises questions regarding how the balance exceeded the credit limit, and whether there were any additional fees or charges added that I was not aware of. Moreover, a mere statement does not serve as a binding contract bearing my signature or any other concrete evidence proving my responsibility for the debt. 

Transparency and Clarity : While PRA, LLC claims to have completed their investigation and provided documentation to establish the debt 's validity, I find the evidence provided to be insufficient. A single statement does not provide a comprehensive view of the account 's history, transactions, or any communications I might have had with the original creditor. 

In light of the above concerns, I kindly request the following : PRA, LLC must provide concrete evidence of their licensing status in my state of residence.

PRA, LLC should furnish a detailed breakdown of the balance, specifically explaining how the amount reached {$1200.00}, surpassing the credit limit. 
A copy of the original contract or agreement bearing my signature, which establishes my responsibility for the debt. 
I reiterate my initial request that PRA, LLC ceases all collection activities related to this debt until they can provide proper validation and obtain the necessary licensing to operate in my state. I also stand by my initial demand for corrections with all credit bureaus and the removal of this account from my credit report due to the concerns raised. 

Thank you for your continued support and attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello cfpb, I hope you're all doing well, I'm contacting you because recently I'm having a problem in my PayPal Account which they sent me an email just today XXXX XXXX saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. '' But in my case I didn't do anything that broke PayPal rules and user agreement as the money I received " XXXX $ '' on XXXX XXXX was from XXXX of my friends to help in my hospital expenses as I'm sick no and another payment in the same day XXXX $ which was from another friend so I tried to withdraw my money from PayPal but suddenly I received today the email that I didn't even expected because I've been using PayPal for a long time now without any problem so I called their customer support but they said they can't do anything and they didn't give me any explanations about why my account limited for 180 days and I can not transfer money to my bank account till after this period but I told them that I really need my money now to pay my hospital expenses but they didn't care although I didn't do anything illegal through my PayPal account and my informations are 100 % real but I don't agree with this decision so I want my account to be restored so I will be able to get my money as soon as possible Thanks.