23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, PRA LLC ( Portfolio Recovery Associates ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XX/XX/XXXX and received XX/XX/XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

PRA LLC failed to provide any validation. 

PRA LLC proceeded with further collection activity as evidenced by their correspondence of XX/XX/XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, PRA LLC proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, PRA LLC did violate the FDCPA and PRA LLC did violate the XX/XX/XXXX Consent Order which PRA LLC voluntarily entered into with CFPB. 


On XX/XX/XXXX, PRA LLC did author correspondence to me, providing me copies of XXXX billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XX/XX/XXXX, IN A SEPARATE WRITTEN COMMUNICATION, PRA LLC also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XX/XX/XXXX were received XX/XX/XXXX. 

XXXX DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XX/XX/XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XX/XX/XXXX would not have been received by the alleged debtor as of XX/XX/XXXX. 

In that PRA LLC has elected to respond and act as if I am 100 % To Blame for all of the failures of PRA LLC .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against PRA LLC and any other party who may contact me or attempt to collect this debt based on PRA LLCs failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to PRA LLC will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
Product: Credit reporting or other personal consumer reports

I already had cfpb file on this with number of XXXX XXXX below is Proof should Paid in full on equixfax I had paid off the balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had balance paid off balance end of XX/XX/year> I need equixfax reflect this equixfax fax still showing this
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last several months, I have sent in complaints because Transunion is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Product: Checking or savings account

I have been waiting for a response to my CFPB Complaint ( No. XXXX ). I did not realize until I logged on to your Website today that you closed this complaint. 

On XXXX XXXX, XXXX, I wrote ( in ADDITIONAL COMMENTS ) : " I would like to respond to the company, but I can not open the [ companys ] attachment. Please resend the attachment and give me time to respond. '' I never received your response and assumed that CFPB was simply backlogged with other cases. 

Now that I am able to see the companys response on your Website, I would ask you please to reopen this complaint because, though misconstrued by the bank, even the facts stated by the bank confirm the grounds for my complaint. 

In short, Wells Fargo mistakenly detected a problem in my address when I first tried to open an Everyday Checking Account on XXXX XXXX, XXXX. In fact, there was no security issue about my address which has remained the same throughout this episode. But because the bank found fault where there was none, the bank blocked my account, preventing me from using it until finally, on XXXX XXXX, XXXX, in a face-to-face conversation with a representative at the local branch, the bank removed the block and allowed me to make a new deposit. My initial deposit went missing while the account was blocked and ultimately had to be clawed back by XXXXXX/XX/XXXX, the source of these funds. 

Therefore, XXXX XXXX, XXXX was the first date that I had a usable account and was able to deposit funds that were not lost by the bank. The bank confirms that I then made two deposits totaling {$1000.00} on XX/XX/XXXX. Clearly, XX/XX/XXXX was within 90 days of XXXX XXXX : I thus qualified for the {$300.00} promotion which the bank offered for a new account funded by deposits totaling at least {$1000.00} within 90 days of opening the account. 

Incorrectly, the bank considers the account to have opened during the period when it unequivocally was blocked. My position is that by alleging a security problem when there was none, the bank manufactured a reason to deny me the promotion, while having interest-free use of my deposits during the interim. Feeling deceived, I finally closed the account, but the bank should honor its original offer. 

There should be no doubt about when the account was first opened. In reply to CFPB, the bank states : We received your first deposit of {$300.00} on XX/XX/XXXX. 

I suspect that I am not the only Wells Fargo customer abused by its ruse to increase capital without having to comply with the promotional offer. To repeat, the bank appears not to have learned from its previous scandals. 

Please let me know via email if there is any way that I can assist, but I would ask you kindly not to send text messages to my phone, which is only for voice communication. Thank you for your attention and courtesy.
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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

On XXXX XX/XX/2020, I paid in full the loan to Cash Central in the amount of {$2500.00}, which has been confirmed by email. Starting this month, I am receiving 2x daily calls about " setting up a payment plan ''. My relationship with this business has been difficult from the beginning ; and, I should have ended it the first time they doubled billed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I returned from XXXX in XX/XX/XXXX and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a volunteer missionary from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX XXXX and literacy at rural elementary schools. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from XXXX that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX  XXXX Balance : {$5500.00}
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Mortgage

Yet AGAIN! Wells Fargo tried to put Insurance on my ELOC with them equity line of credit therefore needs no insurance but I have my mortgage company is XXXX XXXX and they provide the insurance through escrow so there's no need for Wells Fargo to put Mortgage on ELOC and there's only an {$8000.00} balance but they show {$11000.00} on my credit report & several times I've asked them to fix that to no avail! I believe Wells Fargo are criminals & moving forward I wish I didn't have to do any more business with them! I would like for them to turn this ELIC over to XXXX XXXX, my current mortage co!!! again they try to say it's a second mortgage is not a second mortgage which gives them the right to just change my ELOC to a second Mortgage saying yes so now we can put insurance on it. That is just XXXX. They should not have put insurance on my ELOC at Wells Fargo, but they always do now they're messing up my credit they're messing up my credit score, they have False implications in there. I have showed them the proof of insurance. My current insurance was from XX/XX/XXXX to XX/XX/XXXX so they have no reason to put any insurance on my ELOC. Now they think I owe them {$1000.00} no, I say no if they pay some insurance that's their fault they should apply it back to the end of my loan. They should never have applied insurance on an ELOC in the first place. Please help It's the same thing I complained about a couple of times before.
Product: Debt collection

Quicken Loans replied on XX/XX/2017 ( letter included ) to a 15 USC 1692g debt validation and U.C.C. 9-210 account /collateral requests and did not produce the collateral or status as required in 14 days. When challenged in Federal court for the same they have not produced the requested data. Quicken is in violation of the Uniformed Commercial Code, FDCP Act and NCDCPA who simply sent a bifurcated promissory note when collateral was requested based U.C.C. 9-210 on the authority of a robo-signed fraudulent assignment. Despite the collection being disputed, they continue in the extortionate collections by communicating non-judicial foreclosure threats with fraudulent documents without any offers or communications to modify. 

QUICKEN LOANS AS SERVICER IS ATTEMPTING TO USE EXTORTIONATE, UNFAIR, AND DECEPTIVE PRACTICES IN VIOLATION OF FEDERAL DEBT COLLECTION PRACTICES AND NORTH CAROLINA DEBT COLLECTION PRACTICES ACT TO FORECLOSURE ON PROPERTY WITH A ROBO-SIGNED FORGED ASSIGNMENT WITH PROBITHED NOTARIAL ACTS. ALL PARTIES ARE MISPRESENTED IN THE INSTRUMENT OMITTING QUICKEN LOANS AFFILIATION AS OFFICERS OF EMPLOYEES WHILE REPRESENTING ANOTHER OFFICER OF ANOTHER ENTITY WITHOUT PHYSICALLY BEING BEFORE A NOTARY IN VIOLATION OF MICHIGAN AND NORTH CAROLINA PUBLIC LAW. THE SAME HAS BEEN REPORTED TO THE ATTORNEY GENERAL AND THE MICHIGAN OFFICE OF THE GREAT SEAL FOR NOTARY CONFLICT OF INTEREST SECTION 55.291 ( 9 ) A notary public shall not take the acknowledgment of a record by or to a bank or other corporation of which he or she is a stockholder, director, officer, or employee, under circumstances where the notary public is named as a party to the record, either individually or as a representative of the bank or other corporation and the notary public is individually a party to the record.

North Carolina Fair Debt Collection Practices Act 58 70 110. Deceptive representation.

North Carolina Fair Debt Collection Practices Act 58 70 95. Threats and coercion. 
No collection agency shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, coercion, or attempt to coerce. Such unfair acts include, but are not limited to, the following : Using or threatening to use any illegal means to cause harm to the person, reputation or property of any person ;
Product: Credit card or prepaid card

IM CURRENTLY LOOKING INTO PURCHASING A HOME AND I CHECKED MY CREDIT REPORT AND NOTICED I WAS ADDED AS A AUTHORIZED USER ON A TD CREDIT CARD , I THEN CONTACTED TD CUSTOMER SERVICE AND STATED I HAD NO KNOWLEDGE OF BEING ADDED ONTO ANY TD CREDIT ACCOUNTS , THEY NOTIFIED ME TO GO TO MY TD BANK BRANCH TO BRING IDENTIFICATION TO VERIFY MYSELF I DID AND THEY STILL COULDNT PULL UP TD PROFILE FOR ME SO THEY THEN STATED I SHOULD SEND A LETTER ALONG WIT COPY OF MY LICENSE TO TD XXXX SERVICES IN COLUMBIA SC WHICH I DID AND I STILL HAVENT GOTTEN THE ACCOUNT REMOVED OFF MY XXXX OR XXXX CREDIT REPORT 


BELOW IS A IMAGE OF XXXX CERTIFIED FIRST CLASS MAIL TRACKING # AND RECIEPT FOR THE 2 TIMES I MAILED OFF THE INFO TO TD XXXX CARD SERVICES XXXX XXXX XXXX XXXX  SC
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : 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 capital XXXX {$470.00} XXXX XXXX {$16000.00} XXXX {$250.00} rXXXX XXXXXXXX {$13000.00} aspire credit XXXX $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit card

Chase shows up on my credit report as that I 'm not paying a debt. I do not owe any money nor do I have a chase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, has violated my rights 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.

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 and other adverse items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.
Product: Debt or credit management

I paid for a service that I never received. I paid well over XXXX dollars with a promise to have my student loan forgiven. Instead, I wasted my hard-earned money as a middle-class student who was already struggling financially. My loans were never forgiven, and I am back to nothing, actually I am now worse off because I wasted money on something I did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX and wired funds in full to Carrington Mortgage and paid off the loan in full. XXXX  credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned XXXX and was told to contact Carrington Mortgage to have them contact XXXX directly to correct. Carrington Mortgage is saying they reported the correction on XX/XX/XXXX to XXXX, but can not provide me with any documentation. XXXX is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both Carrington Mortgage and XXXX and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law FDCA, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the XXXX credit report updated so I can proceed with my closing.
Product: Debt collection

I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.