23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for multiple violations of consumer protection laws. The company has violated the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to provide accurate information : Portfolio Recovery Associates , LLC has repeatedly provided inaccurate information about my debt, including the amount owed and the original creditor. This has led to confusion and frustration on my part.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to provide validation of debt : Despite multiple requests, Portfolio Recovery Associates , LLC has failed to provide me with proper validation of the debt they are attempting to collect from me. This lack of transparency is concerning and goes against the regulations set forth by the CFPB.

3. 12 CFR 1006.34 ( d ) - Unfair practices : Portfolio Recovery Associates , LLC has engaged in unfair debt collection practices, including harassment, threats, and misleading statements in an attempt to coerce me into paying the alleged debt. This behavior is unacceptable and violates consumer protection laws.

4. 15 USC 1681-S2 ( 7 ) ( A ) - Reporting inaccurate information to credit bureaus : Portfolio Recovery Associates , LLC has reported inaccurate information about my debt to credit bureaus, which has negatively impacted my credit score. This is a violation of the Fair Credit Reporting Act and has caused me financial harm.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Portfolio Recovery Associates , LLC. I also request that the company be held accountable for their actions and that they cease all illegal debt collection practices immediately. 

Thank you for your attention to this matter. 

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

Im writing to dispute the TransUnion record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now (XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within four business days of receiving a complaint that includes specific information, as outlined below : - XXXX XXXX Charge-off {$4600.00} - XXXX XXXX XXXX Charge-off {$4900.00} - XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$4900.00} XXXX XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$5600.00} - XXXX XXXX XXXX XXXX {$16000.00} - XXXX XXXX XXXX  Charge-off {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX XXXX | XX/XX/2022
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest saving accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Bank account or service

Usurious manipulation perfectly describes what chase bank is doing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX  checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, XXXX and Equifax for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following public record and items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX IN XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

Debt was paid in FULL to them and they will not remove this from my credit report. It 's been over 75 days and it still appears on my XXXX as open
Product: Credit reporting

This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan with this company and paid my first monthly payment in person, set uo online payments layer to pay TWO payments in one month, before the due date, to get ahead of interest. Turns out they have been illegally overcharging me interest on BOTH monthly payments, for both loans, the entire time. They had originally accessed me of missing a payment when my banking institution erroneously told them my account was closed. Took a few months but my bank sent them a certified letter ADMITTING THEIR MISTAKE and one main got to keep every single XXXX, all late fees and penalties and everything was back to how it was supposed to be, aside from my consumer rights being violated and them keeping mkney they weren't entitled to when told it was a mistake by a BANK. But anyway, later they decided that my insurance was suddenly not ok, after YEARS of it not being a problem and they added gap insurance without my consent or permission. Once I proved they ILLEGALLY DORECTED ME TOWARDS THE WRONG INSURANCE REPEATWDLY ON REDORDED LINES, they canceled the illegal insurance and supposedly refunded the fraudulent excess charges ... never saw a change in my balance though so they didn't credit a thing and kept it all. 

NOW I FOUND OUT THEY ARE CHARGING ME {$100.00} PER PAYMENT every month, for all months of all loans. They are also falsely accessing me of being late on these statements... again, I paid up front for each signing and then set the double monthly payments up later, to beat interest. They have manipulated the system to predatory steal {$200.00} a month from my {$570.00} a month payment, by charging {$100.00} interest on the XXXX, and {$99.00} on the XXXX. So my interest rate is less than 18 % and they are robbing nearly 25 % in interest fees, for XXXX?!?! And they threw hissy fits over a banks mistake that cost them delayed 3 months? They have kept ALL THOSE ILL GOTTEN GAINS EVERY TIME and are still robbing me XXXX? 

HOW ARE THESE CRIMINALS STILL ALLOWED TO DO BUSINESS OR WALK FREELY???
Product: Checking or savings account

Member # XXXX, In regard to the continuing saga of trying to get XXXX XXXX market CD released, I have an appointment with a lawyer on Monday to try to have these funds released. I dont know what will happen, but if you get a letter from an attorney, you will probably turn it over to a large legal team that will stall this matter in court for ever. However I might not have any choice because of your lack of cooperation so far. I am hoping Pen Fed, worth XXXX, has the integrity to comply to this request of returning {$10000.00} to its rightful owner. 
We have been trying to get this money released since XXXX. 
To date at you or someones request we have provided PenFed with 2 XXXX, because the first one was not good enough. A letter from XXXX asking for her money, then the same letter notarized. Since her address and phone number are no longer valid, one of your associates wanted to talk to her on the phone from her bed in the rehab center. That got the money transferred to another account which does not help. We have provided your forms ; XXXX Agents Affidavit, XXXX, and Statement of Indemnity, XXXX. You have even been contacted by XXXX XXXX, an organization helping me to apply for Medicaid for XXXX. 
Your last email said that you wanted to review the XXXX, which you received on XX/XX/XXXX. If you have taken the time to do so, it has been a month since it was received by you. 
XXXX at the age of XXXX, fell in her apartment on XX/XX/XXXX, she had a XXXX XXXX and has been in a hospital or rehab for about a month and now because of accelerating XXXX, has been placed in a memory care facility, nursing home for the rest of her life. She is no longer able to communicate with you. 
In order for her to be accepted by Medicaid, she needs to exhaust all of her assets. She is in desperate need of these funds to continue care. I am appealing to you one last time before I meet with the attorney
Product: Debt collection

This company has called repeatedly on the same day from a number that identifies as potential spam. Instructions to call back a certain number leads to someones voicemail. The calls started on XX/XX/year>. I had not received notice of sell of debt and had heard of this Company prior to the abuse of repeated calls. RevNow started sending emails on the same day the calls commenced. I answered the call back on XX/XX/year> whereas the message read for me to call another number. From what I understand pertaining to consumer rights, RevNow has refused me the opportunity to validate their identity, dispute the charge, and harassed me with XXXX or XXXX calls daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Equifax 's security breach - I 've had to place a freeze on my accounts, close accounts, and change all my passwords and security questions. I 've already had suspicious activity on a website where someone obtained my information and placed a XXXX dollar order on my card.
Product: Credit reporting or other personal consumer reports

I am disputing XXXX XXXX XXXX account number XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have requested purchase agreement validation of the debt they said I owed, numerous times. A requested purchase agreement is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay, which they have failed multiple after this request. 

In addition to, XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 section 602 A. I have the right to privacy.

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. 

At this time, I will also inform you that if you continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action will constitute fraud under both federal and state laws.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX. HAVE VIOLATED MY RIGHTS UNDER 5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$87.00} THIS IS NOT MY ACCOUNT AND HAVE NEVER HAD AN ACCT WITH ORIGINAL CREDITOR. 

UNDER THE FCPA THIS NEEDS TO BE REMOVED.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I have never had a auto loan for a vehicle ever, my mom and dad have always purchased my cars cash and advise me to stay away from Loans, so this account is date shown that is was open was XX/XX/year> and yet I have filed dispute after dispute and yet have had this inquiry that I have any awareness of removed.
Product: Debt collection

Good Afternoon, I am formally disputing this alleged debt that Northstar Alleges I owe to them. I do not know this company, I've never heard of them, and have no prior relationship with them. I do not owe this debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON THE SETTLEMENT AGREEMENT. XXXX XXXX  WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE WELLS FARGO DEALER SVC ACCT # XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX, I have been disputing two delinquencies from discover financial. My discover card ( expired in XXXX ) was charged for a subscription service. Per discovers policy, it states on their website recurring payment with your expired credit card information won't go through.. Discover recognized this on the phone but continuously stated that even though my expired card was charged, they would not remove the delinquencies. A few representatives have said it should be removed, but nothing came of it. It has been months of misinformation and lack of accountability from discover. Their error has reduced my credit score drastically and now I will lose thousands in the future on interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the account.