23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well
Product: Checking or savings account

XX/XX/XXXX : XXXX XXXX {$140.00} at XXXX XX/XX/XXXX : XXXX XXXX {$140.00} at XXXX They doubled charged me, eye called XXXX  couldnt get in touch with them so eye called my bank disputed it twice and they declined it both times. 

XXXX XXXX {$29.00} at XXXX then turned around on XX/XX/XXXX at XXXX XXXX and doubled charged me again but my card was locked so how would it go through. Im so tied this is a getting ridiculous at this point eye just want to take legal action. 

This company is Chime bank and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX and spoke with XXXX regarding XXXX paid student loans listed on my Equifax credit report. These loans are marked as XXXX, XXXX & XXXX  days past due for XXXX, XXXX and XX/XX/XXXX, totaling XXXX late payments on my credit report, significantly impacting my credit score. 

During my conversation with XXXX, I inquired about when these late payments would be removed from my report. She initially informed me that they would fall off in XXXX, as XXXX reported them to the credit bureau in XXXX. However, upon speaking with a supervisor, I was informed that the late payments would actually be removed in XXXX, XXXX, and XX/XX/XXXX, which is XXXX  years from the original delinquency date. 

The supervisor also stated that despite the late payments being removed in XXXX, the actual loans will not be removed from my credit report until XXXX. This discrepancy arises because XXXX is reporting them as current, in good standing, and paid as agreed. 

As a single mother and school teacher, these derogatory marks on my credit report continue to significantly impact my ability to move forward financially. Despite missing only XXXX payments in XXXX due to a XXXX, these paid loans continue to affect my life and overall well-being. 

I am actively seeking resolution to this issue and appreciate any assistance you can provide.
Product: Credit card

A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting {$32000.00} as current balance on transunion but reports a current balance on XXXX of {$33000.00}. They are also reporting no late payments and XXXX payment history on Transunion but reporting at least XXXX late payments on XXXX. Please see attached. This XXXX is also a part of litigation as the engine blew and Insurance refused to cover it due to XXXX concealing their engine issues. I am also in the process of filing suit against the dealership where the vehicle was purchased due to fraud and misrepresentation. A complaint has already been issued with the Alabama Attorney General. XXXX is currently in direct violation of the FCRA and of USC 15 section 1681 and are repeat offenders. They are also reporting " knowingly inaccurate and inconsistent information to the bureaus. This negative reporting status is causing financial hardship for myself and family as I am unable to apply for credit. This account is painting me in a negative light.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason, I've been trying to ask for help from their customer service, but they are always offline. I heard that I can file a report here because I think they are not doing their job properly. I desperately need my money for our everyday expenses. I hope you can help me with this matter. My email linked to my Paypal account is XXXX Thank you
Product: Vehicle loan or lease

the truck was covered under the lemon law, I tried to work things out with them. the truck was only worth {$2000.00}, the est to get the vehicle repaired was going to cost around {$6500.00}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  ACCT ISSUES WITH ZELLE GOT HACKED XX/XX/year> @ XXXX XXXX transaction of {$300.00} was zelled to an individual named XXXX that I dont know XXXX XXXX @ XXXX another transaction was made for the amount of {$500.00} to the same XXXX XXXX. 

XXXX XXXX @ XXXX a transaction of {$1000.00} was made to a different individual named XXXX XXXX 

I went down to XXXX different chase branches to let them know that I didnt do this transactions and I believe I got hacked since I never authorized those payments, let alone knew who those people were. XXXX did an investigation on it and informed me after 3 days that there was nothing they can do because it did come from my Zelle. It was extremely infuriating how they didnt care and never cared to follow up with me. I had to physically go into their branch to ask about the updates. They told me all they could do was resubmit the information I had already provided so they can do another investigation. XXXX weeks passed and I never got a solution from them even after submitting all the information they requested. I ended up closing my account with XXXX due to that.
Product: Checking or savings account

On XX/XX/ around XXXX I was contacted by an individual claiming to be with Wells Fargo . the number they used was the Wells Fargo customer service number that I confirmed from the back of my card as soon as they called as well as verified with Wells Fargo later that day. The person in which I was speaking to started saying that I had suspicious activity on my account and read off the charges to me. Before giving this person any information whatsoever, I went on to my account and saw both charges in which she referenced. Both were atm withdrawals totaling {$1000.00}, one for {$770.00} and the other for {$230.00}. The location was 2 hours away from where I was at that particular time. Again, at this point I had provided no information that could have been used to access my account. Seeing the charges and having the person that claimed to be from Wells Fargo reading back to me what fraudulent transactions were on it I felt no reason not to proceed in the process that I thought was closing my debit card. upon seeing the charges, I immediately turned off my debit card and continued going the process I thought of deactivating the card and getting it replaced. shortly after the call was over, I had notifications that someone had tried to use it again for 2 transactions of {$2100.00} at a XXXX but fortunately the card was already off. Shortly after the call was completed, I went back on my WF account to check it and noticed the card was turned back on. At this point I became suspicious and reached out to WF myself. this Is when I confirmed that the original person that called was not with WF but oddly enough used the same exact prompts as the person I was now speaking with. A dispute was filed, and I was told I would know within 10 business days. On XX/XX/ I log into WF to check the status of the dispute and it has been closed. I call WF and have it confirmed that it has been closed but they determined it not to be fraudulent stating that my physical card was used even though it was in my hands 2 hours away from where the fraudulent transaction took place. As of today XXXX I asked WF to resubmit my claim. Also, I don't understand why WF did not notify by email that my claim had been closed... very unprofessional. I understand being scammed but I was not scammed out of the {$1000.00}. That money had already been fraudulently acquired from my account before I gave out any of my information. As noted, an additional {$2100.00} was declined twice once the card had been turned off.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}
Product: Checking or savings account

Deposited check with US Bank XXXX XXXX XXXX XXXX in XXXX CA XXXX. The teller asked me if I wanted to cash check and I said " No ''. She did not tell me the funds would not be available for 24 hrs. When I noticed the funds not available, I called US Bank and was told I would have to return to bank. I called bank and was told to return to cash check then deposit cash to make funds available. So I went to the bank, having to leave work, and then was told the check is already in process so I can not cash it and then deposit the cash so as to make available to me today. So then I asked could they make 30 % of it available so I could get to the dentist today and make my co payment which is something I desperately need to do to relieve my dental pain and prevent further XXXX. I was told no. So then I asked to close my account and was told I couldnt do that while the check was pending. So now Im just in pain, cant get me dental work done, and for no reason at all other than the bank refuses to make funds available on a check that is not held.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX EQUIFAX Unauthorized Inquiries ( CREDITORS ) Date Of Inquiry 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 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Checking or savings account

Chime bank having my account on hold over 2 years no explanation what was the reason for my account being suspended keeping my account on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation maybe FTC not sure at this point showing informaton not know to me to the best of my knowlege
Product: Credit reporting or other personal consumer reports

I am reporting the incorrect and invalid data that has been listed on my credit to delete an remove all the data listed that is not following the FCRA. this has been an ongoing issue an reported as identity theft. please review an remove the listed item to help clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Trade Commission Consumer Response Center XXXX XXXX  XXXX XXXX XXXX XXXX DC XXXX Date : XX/XX/2021 To Whom It May Concern : This letter is a formal complaint against Experian, XXXX and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 
2. there are two accounts, in particular which they just refuse to investigate, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 
3. I've actually disputed with XXXX XXXXXXXX and XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both Experian and XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them. 
I'm well aware of the thousands of other complaints against these agencies on a daily basis. So my question is, where does it stop? And does your commission know about the feature they have in their " electronic verification process '' known as a " reply all '' function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It's right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed accounts in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I been payed off my navy federal its still being reported and showing on my credit report. This is unacceptable, also the scores is frequently changed up and down and back up and down again so I question how is that even possible
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent 4 Certified letters to Midland Credit Management Services regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing Midland Credit Management said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.
Product: Money transfer, virtual currency, or money service

Bank of America responded to my complaint without any evidence that they tried their best to solve this issue. I highly doubt that they even read my complaint fully. From their respond I understood that my intended recipient XXXX XXXX have received money that I have sent through XXXX on XXXX XXXX. Bank of America responded that they have contacted to XXXX XXXX XXXX XXXX to retrieve the money however they confirmed that the intended recipient, XXXX XXXX have received the money. Also they responded that, they have done everything right and executed transaction as I instructed and I shouldnt send money to someone that I dont know. First of all, XXXX XXXX is my legal spouse and I have sent our marriage certificate to Bank of America after their response to my complaint to prove that. And if they read my complaint I have written about it in my initial complaint letter Second, XXXX XXXX, my wife does not have account in XXXX XXXX XXXX XXXX and she never received the money. This is so illogical to go trough all this hassle if she already received the money on my side. This doesnt make any sense how they confirmed it. I can provide her contact information if they want to make sure my wife XXXX XXXX havent received the money and she doesn't have any account at XXXX XXXX XXXX XXXX and never ever had one. She has couple bank accounts with Bank of America. I also sent them police report which I tried to seek my local town police department help after I realized how useless is our financial institutions like Bank of America on helping me out and retrieving my money. That money supposed to be our mortgage payment and suppose to go to my wife, XXXX XXXX and it never did. Instead someone who has account at XXXX XXXX XXXX XXXX and owns my wife 's old phone number received it. He made sure that he is not willing to give the money back after our local police contacted to that person.
Product: Checking or savings account

Date :  XXXX   XXXX ,    XXXX   Fac t : A deposit of a court check of the amount {$160000.00} was deposited in my Chase Bank checking account #  XXXX  ( Exhibit A & Exhibit B.  Yet ( 1 ) Th e money was never credited to my account "  XXXX    XXXX    XXXX , the Trust of  XXXX  ''  ( 2 )  The original check has never been returned to this depositor.   (  3 ) Soon Chase c losed my checking account in  XXXX   XXXX .   (  4  ) Expert on recovering funds wrote that the originator of the check --  XXXX   XXXX   Court has cashed the check. ( Exhibit C )
Product: Debt collection

I was a customer for XXXX XXXX which XXXX by XXXX XXXX Back in 2021 I notice that my alarm system was not working Tried to contact the company multiple times with no success After many attempts to call the company and long time on hold I sent an e mail to cancel the service I got a response that I must sign a document through Dcu sign after signing and submitting the documents I was told that there are more steps to cancel and I received another billl from the company I wrote back that my service is canceling and I dont owe the money 2 years later and without any other communication I received a collection notice with adding interest and extra fees so form owing XXXX dollars they added XXXX in interest and XXXX dollars in fee and threatening if I dont pay they reporting to credit bureau and damage my credit
Product: Checking or savings account

Wells fargo has been charging me fees for monthly services for not having over {$500.00} in my daily balance when I have it in my savings balance. They charge me {$10.00} every time I dont have {$500.00}