23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. The batch number in which my account was purchased in. 

I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call. 

There is 3 different amounts that are being shown under the XXXX XXXX  account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}. 
These inconsistencies shows that this debt isn't valid.
Product: Checking or savings account

I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.
Product: Debt collection

The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine.
Product: Debt collection

My son rented an apartment at XXXX XXXXXXXX in XXXX XXXX TX. He paid all of the rent but there were damages that he disputed of {$300.00}. Procollect open a collection on XX/XX/XXXX. It was paid on XX/XX/XXXX. My son received the notification about the damages and possibly about the collection BUT I as the cosigner Never received notification until after this was showing up on my credit report. I paid the amount due as soon as I was aware of it. I have asked for proof that I was notified and it has not been provided. I have asked that this be removed from my credit report because I was not notified but Procollect has refused to remove this collection. I have called them multiple times. I have disputed this with the credit agencies but nothing has been resolved. 

The reporting company is... 
Procollect Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXXXXXX XXXX XXXX XXXX  of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my Experian Credit account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX as well. I spoke with XXXX XXXX XXXX  on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call Experian credit Bureau to close this account that is currently open..stating they dont report to Experian credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Product: Credit card

ive been receiving fraudulent letters from Bank of America impersonators, saying they've been trying to contact me about my BofA credit card, and these scammers have my credit card number. They use a fake bofa letterhead. i know this because i called bofa today and my credit card statement is NOT overdue, im on XXXX and i owe XXXX at the moment. they letter asks me to pay {$61.00} online, or by phone or mail it in. They use a fake " case number '' .. the bofa representative today told me the case number they reference in the letter is not even a bofa formatted case number. The bofa rep said my acct is in great standing, i owe XXXX and to throw these letters in trash. In XX/XX/2023 my entire identity was stolen, so this is probably XXXX im getting these fraud letters in the mail. They're adrressed to me. I had to get all new credit cards, new bank accounts, the whole nine yards, it took months to resolve. The scammers were from XXXX and they attempted to use my credit card info to buy things online. Things like digital gift cards, cell phones etc. I stopped them in their tracks by cancelling all my XXXX 's. But now, im still receiving these fake letters asking to pay overdue credit cards that are not overdue. Its upsetting they have my XXXX number, or at least the last XXXX numbers of it. These letters also have a XXXX code on the top right corner, but bofa rep today told me they never add a XXXX code to their correspondence letters. please help me. If people are not smart they will fall victim to these scams.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone on XXXX XXXX XXXX car rental said that they can provide me a rental car, and i can pay them {$300.00} deposit and the rest of the payment is due when i meet them in person with the car at the airport. So I initiated the XXXX transfer on XX/XX/XXXX, {$300.00} to the scammers XXXX account XXXX. it was pending for review. So On XX/XX/XXXX, I called the Bank of America XXXX department and want to know if this is scam, why is it under review and whether I should move forward. A representative named XXXX told me that this might be suspicious but cant say they are a scam, its flagged maybe because I m travelling in a new location. And when I ask if I move forward and this turn out to be a scam, will I get my fund back, she said yes I will just need to call them and I will be able to retrieve the fund. So I went forward, and later when I land in the airport, the rental car guy is a no show, so I realised its a scam. And when I call Bank of America fraud back, they told me they couldnt return the fund to me. They said they could get the XXXX involved to help me because the representative was promising me wrong information. But so far, no one reached out to me yet. And I tried to call Bank of America again, they just put me on XXXX hold and didnt get me any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


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  Thank you for your cooperation Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The only credit inquiries in the last 5 yrs that I have authorized are XXXX credit repair free acccount and XXXXXXXX XXXX XXXX. I am disputing any and all other inquiries on my record. I believe that an ex partner of mine who had access to all of my personal information ran several credit inquiries and took out things in my name in order to not only track me as I was hiding from this person as well as for the purpose of ruining my credit as this was an abuser who did not want me to feel that I could survive without them and keep me dependent on them. They did not want me to have any life success independent from them as they knew I was taking steps to do so. Please remove all inquiries from my credit history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. 
I have never been to this place nor have I ever received a bill from this place or Choice recovery. 
They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. 
I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. 
I would appreciate your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I applied for a mortgage loan. I was told I did not have an Equifax score. I found this odd but didnt think anything of it. In XX/XX/2020, I applied for a car loan and was again told I did not have an Equifax score. 

I do not have any other details but would like for this to be fixed. I have no Equifax score or file.
Product: Debt collection

I am an XXXX XXXX service member. I was living in XXXX and had XXXX XXXX XXXX for telephone service. When I received orders to return to the XXXX, I notified my telephone provider that I needed to cancel service. I recently noticed that there is a debt from this company on my credit report. I contacted XXXX XXXX of Orion Recovery and asked that they verify the amount of the debt. They responded with documents that are in XXXX and could not explain these charges to me. I have explained to Orion Recovery that I do not believe the amount of the debt they are reporting is correct, but they have offered me no further assistance with this matter. I would like the amount of the debt verified and explained to me in a way that I can understand the charges. I truly believe that I am being charge more I owe. I can provided proof that I cancelled the contract and that Orion Recovery are including charges that were before and after my cancellation.
Product: Credit card

Capital One closed my cards to to, too many returned payments. But I had the money to pay them, I've looked online and they are notorius for returning payments. And because of the excessive returned payments they permanently closed my cards and now I have to pay off the cards that I don't have access too.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. My name is XXXX XXXX XXXX. I do not have any requisite other Names or aliases and I do not desire any other names or aliases to be retained or reported, if any, delete now or produce proof of your legitimate authority to Retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any requisite other Current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights. I am currently in the process of purchasing a first home for my family. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of an account reported by Transworld Systems Inc. on my credit report. The account in question is listed as having a balance of {$200.00}. I believe this entry to be inaccurate, and I am requesting that you investigate this matter and remove the negative entry from my credit report.
Product: Debt collection

I have no legal contract with this company I'm requesting for a signature stating I owe this alleged debt. This company also placed a collection on my credit report without written permission and permissible purpose this is a violation of my consumer rights.

Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my car XX/XX/XXXX XXXX XXXX XXXX was paid XXXX owed. To this day XXXX, XXXX and experian still show I owe that loan is closed..when i log in it says closed paid off so why is this not reflected on my credit reports a month later!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY DRIVER 'S LICENSE, USED IT TO GET A DL, AND GOT TRAFFIC CITATIONS IN MY GOOD NAME, IN THE STATE OF UTAH USA. 
UTAH TRAFFIC CITATION # XXXX, ON OR ABOUT : XX/XX/2021. 
AND CITATION # XXXX, ON OR ABOUT : XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

DEB COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : BANKRUPTCY CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Abertelli Law Office file XXXX XXXX XXXX # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Offices Demand letter and pay off quotes of debt, dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming in the name of XXXX XXXX XXXX XXXX. 
Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor XXXX XXXX XXXX that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt. 
4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust. 
5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6.  Proof that the statute of Limitation has not expired. 
7. Complete payment history on this account along with an accounting of all additional charges being assessed. 
8. Commission for debt collector if collection efforts are successful. 
9. Any Judgments obtained by any creditor regarding this account. 
10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent. 

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX cc : BANKRUPTCY COURT Consumer Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.