23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They claimed to serve someone I know for a court date, but I moved from that apartment, did an address change at the post office and DMV. They didnt serve me, went to court, received a judgment and garnished my pay. I contacted them when payroll told me about the garnishment, sent proof of my address change, and they proceeded to take the money from my pay. I did everything they told me they needed to stop the garnishment and they continued it without stopping. XXXX XXXX XXXXXXXX XXXX  and the undue stress is maddening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose
Product: Credit reporting or other personal consumer reports

Im writing AGAIN because Experian is still reporting my XXXX  XXXX XXXX ( XXXX ) account incorrectly as " CURRENT, WAS PAST DUE 30 DAYS. '' This ongoing failure is absolutely unacceptable. Despite multiple disputes, Experian has refused to correct this error, even though XXXX and XXXX have both updated the account to show " PAID OR PAYING AS AGREED, '' which is accurate. Why is Experian refusing to fix what the other bureaus had no problem correcting? Under the Fair Credit Reporting Act, Experian is legally obligated to ensure all information on my credit report is 100 % accurate ( 15 USC 1681e ( b ) ). When I notify Experian of an error- as I have, repeatedly- it is their responsibility to conduct a proper, thorough investigation and ensure the information is corrected ( 15 USC 1681i ( a ) ). If information is found to be inaccurate, incomplete, or unverifiable, you are required by law to either fix it or remove it immediately and notify the source of the error. Experians repeated failure to act is not just negligentit constitutes willful noncompliance. Under sections 616 and 617 of the FCRA, Experian could be held liable for damages of {$1000.00} per violation. Every time Experian fails to address or correct inaccurate reporting, it is another violation. This inaction is directly harming me by making me appear less creditworthy and creating unnecessary obstacles in my financial life. It is beyond frustrating that XXXX and XXXX can fulfill their legal obligations, but Experian continues to ignore mine. What is Experians excuse for this failure? Their refusal to resolve this matter shows blatant disregard for their legal responsibilities and consumer rights. This account must be updated to accurately reflect " PAID OR PAYING AS AGREED. '' Its not a complicated correction, and your repeated failures have wasted enough of my time. I expect this error to be resolved immediately, as I will not hesitate to pursue all legal remedies available for Experians continued violations of the FCRA. Enough is enough.
Product: Credit card or prepaid card

On or about XXXX I reported my Capital One credit card ( # XXXX ) lost.It was locked out by C/O and a new card was issued, when I attempted to activate new card is when the problem started. # 1 I had problems communicating with customer service due to very fast broken English. I was told to send my identification to C/O fraud department which I have and now they say they can't read it.I am very disappointed with the company and have canceled my cards, the problem is I have approximately {$300.00} in rewards they say I am unable to get after I no longer have their cards.I feel C/O owes me this rewards money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I challenge the accuracy, compliance and reportability of this listing.I contacted creditors and was informed that these accounts were not verified. 

There are no contracts, no valid claim ... accounts were settled with original creditors grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow ... 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX and Equifax to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Product: Debt collection

Portfolio Recovery Associates, LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX. to XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX- XXXX XXXX ( ET ) XXXX Alleged debt amount : {$1000.00} Alleged debt amount : {$1200.00} Alleged debt amount : {$2500.00} To whom it may concern, I would like to bring to your attention the violations committed by the company, Portfolio Recovery Associates , against me and my credit report. I have no signed contractual agreement with this company, yet they have fraudulently posted 3 alleged debt balances on my credit reports, which include but not limited to the credit bureaus XXXX, XXXX, and XXXX. I have repeatedly asked them to properly validate the debts, which include : 1 ) An original signed contract with blue ink 2 ) An IP address attached to my digital signature/email address 3 ) A video surveillance of my person enrolling in the account Portfolio Recovery Associates have refused to provide me any of the above and remove this false information from my credit reports ; instead, theyve sent me a bunch of spreadsheets and mostly blank pages with very little data on them. No signature or contracts! 

I have repeatedly told them that I am a Social Security XXXX recipient, and I believe they are trying to garnish my SSDI ( XXXX income ). Ive sent them a letter from my primary doctor confirming my medical condition, as well as an award letter from the Social Security Administration. Ive researched their company and found out that they have a history of fraudulent behavior violating the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act and being out of compliance, including using illegal tactics against unwary consumers. 

You can find in the link below, a news article where Portfolio Recovery Associates agreed to a {$4.00} XXXX dollar settlement with Mass. Attorney General for deceptive and unfair practices https : XXXX This major national debt buyer systematically and repeatedly broke our laws, lied to vulnerable consumers with exempt income, and collected debts they couldnt even prove were owed, Massachusetts Attorney General XXXX XXXX said . 

Below is another article highlighting their deceptive practices : CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debt Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/ Its obvious Portfolio Recovery Associates have not learned their lesson and continue to  engage in illegal activity. Because of this, they have forced me to take further action! I have included documents with this submission.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

My name is XXXX XXXX. This last year my wife and I opened up loan requests to refinance our home. My wife did have a bankruptcy XX/XX/XXXX and foreclosure XX/XX/XXXX and I brought this information to light from the very beginning with Keybank. I told our loan officer XXXX with Keybank in emails that we were not to move forward with any part of the loan if our information and those important dates withheld us from closing shortly and he confirmed via email it was not a problem. Paired with this problem was Keybanks title department XXXX who chose to pursue employment information I had not listed as primary althewhile not including the employment information I had provided as primary. This resulted in our first denial. After getting them to the proper information and at this point we qualify via credit and all other requirements and are anticipating closing documents. Keybank sends us a denial saying my wife 's previously mentioned foreclosure meant we must wait until XX/XX/XXXX for close. So XXXX of Keybank said we will revisit this next XX/XX/XXXX. 

I find so many part of how this situation being handled as misleading and misrepresenting. If Keybank had said our dates and information were a problem we would never ordered appraisal or signed disclosures with locked rates with Keybank. We could have been working with other banks or keybank to lock in a nice rate in  XX/XX/XXXX for a late XX/XX/XXXX close. I believe Keybank is potentially responsible for me enduring a much higher refinance loan as a result of their delays. Their misleading actions will cost me additional months of pmi costs as well. Multiple loan agencies including XXXX, XXXX XXXX, XXXX XXXX I have spoken to are now offering to have all of these things set in place for us by lateXX/XX/XXXX early XX/XX/XXXX. I also requested Keyank to provide this for me and they have not provided anything or any response. I have all emails pertaining to these topics. I am contacting you because I have requested Keybank to simply refund my XXXX  appraisal expenses as a result of their actions and to move forward with another company. Keybank has not responded and it has been over a week now.
Product: Credit reporting 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 accounts 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 XXXX XXXX and XXXX XXXX
Product: Debt collection

There are actually several things that occurred with my situation. I received a debt collection letter from Innovative Recovery , Inc a few days ago stating this is an attempt to collect a debt and that I had 30 days to dispute the validity or any portion. The first issue is that I believe I only received this letter after I disputed the debt on my credit report thru XXXX XXXX. I first started seeing Innovative Recovery on my credit report on XX/XX/2020 and they submitted the debt daily on my credit report but I had never received a letter from them stating the debt had been sent to them for collection. So that was the first issue, how do you start reporting me to the credit bureau prior to contacting me? No letter, no phone calls nothing. So I was surprised to see it show on my credit report. Then that they had it hit my credit daily from XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, the XXXX again, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX which is around the time I filed a dispute with XXXX. So then when I looked at my last statement from XXXX XXXX, the Creditor, my statement was for {$71.00} but the letter from Innovative Recovery shows I owe {$96.00}. So that's another issue. Did I get charged a late fee by the creditor on a move out statement? Well I called Innovative Recovery today and spoke to XXXX. She advised that they have sent letters prior to the current one and they attempted to call me but no response. I advised XXXX that was incorrect because I have never received a letter until a few days ago but then I asked her about the amount due. I advised XXXX that my last statement from the creditor was for {$71.00} but my debt letter was showing {$96.00} owed so where did the additional fee come from. XXXX advised that her company tacked on a {$25.00} fee for their services. Is that legal? I do owe the {$71.00} and I am willing to pay it but I wish the creditor had reached out to remind me of what I owed prior to going to the debt collector who then went straight to sending hits to my credit prior to contacting me then adding their fee to what I owe. Please let me know if I am required to pay the {$25.00} fee added by the debt collector. I feel like they are doing shady practices and it's affecting my credit in the process.
Product: Debt collection

I do not know where this debt comes from, I am not aware of the amount that I owe - to anybody/ any organization.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Mortgage

I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the new collections account with Equifax. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX LXXXX XXXXNK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish this pantonion on consumerfinal. XXXX
Product: Prepaid card

I am a American Express Serve prepaid card holder. I used the cards Online Bill Pay feature to send my landlord a payment but, later that day he came to my home so, I paid him cash in hand. I then went into my online account to stop the payment and was not able to do so. I then contacted the customer service department who informed me that they had put in a dispute for the payment and that my money would be returned to my account within 3 business days. Today makes 5 business days and the customer service center just told me that the payment has NOT been stopped and, that I will get a E- Mail from their Disputes Department by the XX/XX/XXXX. They then also continued to inform me over a recorded line that they Do NOT have to abide by the same laws nor rules as a bank.
Product: Debt collection

I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a withdrawal from a XXXX. ATM for {$750.00} ... On XX/XX/XXXX. I attempted to make another withdrawal for $ XXXX.but the money did not dispense. And did not give a receipt. The screen stated that I need to contact my bank to dispute ... Ameican express bluebird .. I did that submitted the request dispute in writing.. I was advise that .. it will take up to 10 days.. on XX/XX/XXXX i received and email stating that they closed the dispute and i would not get my money ... I call back and was told there was nothing that could do they received documents that said it dispense.. I asked for a copy and all it show is the atm location and the debit amount.. I ask to speak with a manager there is never one available ... ask how i can submit a complaint and I was given a fax number. That money was to pay my rent .. I now have less than 5 days to vacate my home ... American Bluebird customer service or dispute Dept is no help .. I just want to get my {$750.00} I cant just walk away from this I have to pay my rent and other bills. i just want some help
Product: Credit card or prepaid card

My son is a member, I have a Power of Attorney to access his account. 

2 years ago our son opened a USAA secured credit card. At the time, we were told by the rep if he makes 2 years on time payments, the deposit would be released and he would be issued an unsecured card. 

He just applied to graduate from secured to unsecured and he was denied. The adverse action form indicated he has a XXXX FICO score but that he was denied for having insufficient credit trade lines. The customer service rep did indicate he had a perfect payment record during the 2 years. 

This seems like a bate and switch. We would have never signed up for a secured card if there was any doubt USAA wouldnt hold up their end of the bargain.