23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against Portfolio Recovery located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, XXXX, and XXXXcontains inaccuracies. For instance, TransUnion indicates that my May payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports. 

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address items that should all be updated/ removed from my credit report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - To Whom it May Concern, I am writing to express my extreme dissatisfaction and concern regarding the manner in which you have handled the reporting of the account BRCLYOLDNAVY XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account BRCLYOLDNAVY XXXXXXXX. 

XXXX XXXX : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account BRCLYOLDNAVY XXXXXXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account BRCLYOLDNAVY XXXXXXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within 15 from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so.

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/ My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original amt due ( owed to original company ) : {$2800.00} Aldridge Pite Haan , LLP charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from APH dated XX/XX/XXXX in the small claims court of XXXX County AL. I was never summons to court at the time. I did call APH to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from APH., LLP. I never received any other notice from APH, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.
Product: Credit card or prepaid card

Capital one bank took over Walmart accounts in XX/XX/XXXX me and my wife have had nothing but problems now claiming I do not make payments, payments not on time and were getting charge late fees according to capital one my I owe almost XXXX due to late fees which is untrue I make my payments every month on time they claim I do not yet my checking account shows different my wife card I paid on XXXX XXXX she gets email claiming payment late on XX/XX/XXXX this bank is trying to XXXX us both and charge us late fees this is total XXXX I tried to get them to fix my account they refuse I ask for person in California to serve notice, as I will take them to small claims for fraud they refuse to give me the persons name and I have tried to get this info for 2 months now I closed my account do to this XXXX and I will not pay them any late fees period my payments are always on time for my other credit cards no issues yet Capital one is trying to XXXX us out of money now
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account : Bank XXXX XXXX credit card XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

On XX/XX/2020 The company Diaz and associates opened a collection account on my credit report for XXXX and XXXX in the amount of XXXX. They reported the original creditor as XXXX XXXX XXXX the amount due is XXXX I have never had an original account with XXXX XXXX XXXX, I have never received any information regarding this debt from the original Creditor nor have I received any information from Diaz and Associates. The credit reporting is completely fraud, and is effecting my ability to find housing. On XX/XX/XXXX, I began the dispute process with XXXX and XXXX. Please investigate this companies practices.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record.

I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed.

I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ) 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

Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX ( claims to be " service provider '' ) These guys send letters that " look '' like debt collection lettters for goods or services ( magazines ) that were never ordered. I can't tell if they are real, but I have gotten multiple letters saying " if you don't dispute this we will assume " our information is correct '. 

It looks fraudulent to me, but the wording is sketchy. I'm tired of disputing these just because I am worried they will somehow turn my lack of dispute into an " order or debt '' obligation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from a company named XXXX. This is a company i use to protect our computer from viruses. The email stated that they had withdrawn $ XXXX from my account. I immediately called this company and they told me they will refund me my money and all i had to do was walk over to my computer and log and go on my bank account and they will transfer me the money immediately. I believed them because when I went to my computer they were on there and i assumed no one else would know how to hack my computer. As i trusted this process the lady was directing me to input XXXX and suddenly the screen went blank and the representative came back on the phone and was explaining how i pressed something by mistake and now I had {$20000.00} of their money in my account. The lady kept insisting I had to return her her money. At this time they had full access to my bank account and they transferred money from my savings account to my checking account to make it appear that those {$20000.00} that was in the checking account was a mistake i made and now their money was in my account when in reality it was my own money they had transferred. They also had access to private notes i have on my XXXX spreadsheet including log in information and passwords. They transferred themselves from an online chase banking services {$14000.00}. When I realized this had happened i ran to the bank no more than 10 minutes after i noticed and the teller at the bank was closing and told me that she couldn't help me and to call the mortgage center online and to send them an email. I immediately did both. The bank teller told me they shouldn't approve it if i had never done a wire transfer before & they will have to call me first to make sure I had authorized this wire. I have never wired any money from this account in the past 12 years that i bank with Chase. When i called no one was available at the fraud department and i sent 3 emails and i didn't get a response until the XXXX. By then the wire had gone through and the money had been withdrawn immediately. I was then told by chase bank that they had no money to return to me because the wire had gone through and the money was not available anymore. I found out that during this time Chase had cut down on workers and changed the fraud department hours and that is why noon was available immediately to cancel that wired. I have written several letters to Chase, I have gone in a branch here in New Jersey, I went to another branch in California and i have called numerous times and at first i wouldn't get an answer and then finally they told me they had denied my cliam. I asked them to send me the letter of denial and they wouldn't send it. I went into a branch that finally had the letter printed for me and recommend you to me. Please help me with this fraudulent activity on my account. This is money i had saved to help my son with college.
Product: Debt collection

I received a dunning letter in the mail in early XXXX of 2017 from a debt collection agency named diversified consultants. They letter claimed that i owed a cable company by the name of XXXX a past due bill in the amount of {$200.00}. Account # XXXX. The suggested that i pay their agency this amount of money or they will report this alleged account to the credit bureaus. 
I responded to them with a letter sent certified receipt and notarized shortly after, in early XXXX of 2017, demanding that their agency send me documentation that they have power of attorney on this matter, that they provide other proofs that would give them legal rights to charge me with this alleged account. 

They responded with a letter that did not provide me with anything that i asked from them. They just stated simply that it was my account and attached a photo copy of a bill from XXXX, which is not legally sufficient enough to allow this collection agency to injure my three credit profiles. 

I checked my credit reports shortly after i received their letter and they did place this false account to they credit bureaus, XXXX, XXXX and XXXX. They didn't even have my address 100 % correct which, by this alone would qualify for them to delete this alleged account. According to laws of the FCRA, everything has to be 100 % accurate that is being reported to credit bureaus. They did this in a unfair and deceptive manner because they did not provide any power of attorney proofs, they did not give me proofs of any legal documentation that they can do business in the state of michigan among other request i asked for in my letter that would give them a right to proceed in this type of manner. 
As a result, they have injured all three of my personal credit profiles that will make it difficult for me to get approved for credit or anything else i may apply for that required a business to review my credit profile. I do not have any contracts with them for them to claim i owe them money, nor they have no legal proofs to represent any companies to demand money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX keeps pulling my credit report every couple of months. I went into arrears with a loan I had from them in XXXX and I ended up in the hospital for several months. I am now trying to pay off the loan, however they have hit my credit 5 times last year without my authorization and already 2 times already this year. How am I suppose to fix my credit if they keep pulling it without my consent. They closed the file in XXXX and reopened it and they keep doing that The dates it has been pulled are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I CONTACTED EQUIFAX AND XXXX IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.
Product: Credit reporting or other personal consumer reports

I am not satisfied with the results of their reinvestigation because It seems that they're not doing their job fairly and accurately. I have checked and compared all of the information they have entered on my files and all these credit bureaus have different results in their submitted reports. I need them to do their job fairly and impartially.