23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is regarding XXXX, XXXX and XXXX XXXX XXXX XXXX referred to as XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX XXXX owe XXXX XXXX and their Portfolio Recovery Associates a total XXXX XXXX {$2600.00}. 
On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from XXXX XXXX on XX/XX/2024 stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested XXXX XXXX to provide XXXX XXXX competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with XXXX XXXX, and their client Portfolio Recovery Associates as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, Portfolio Recovery Associates , LLC hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account on XXXX XXXX law Firm XXXX, XXXX, XXXX, XXXX. 
And now, they are at it again with a new XXXX XXXX XXXX XXXX two weeks later continuing to utilize deceptive unfair practices to continue to extort. XXXX XXXX and their client Portfolio Recovery Associates is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. XXXX XXXX and their client Portfolio Recovery Associates is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
Portfolio Recovery Associates , LLC already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with XXXX XXXX to take {$2600.00} from me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. Credit Acceptance continued to report inaccurate information to all 3 the credit buraus. After each dispute Credit Acceptance would come back and say the information they are reporting was accurate. In XXXX, XXXX deleted the account after a dispute due to the continuous inaccurate reporting from Credit Acceptance. I grew so tired of the back and forth between Credit Acceptance, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from XXXX indicating that Credit Acceptance requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My XXXX credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Product: Debt collection

Gutel Chargo has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.
Product: Debt collection

Over the years Portfolio Recovery Associates has inaccurately reported debt to my credit report bureaus. They've been reporting on a monthly basis for several years severely damaging my credit for a debt that's not owe or belonging to me. They are the ONLY debt collection agency in my report which should tell you that I'm not a person who doesn't pay their bills. 

I've tried various methods to get them to remove the debt. I've sent them numerous certified letters to validate that the debt owed by me, I've disputed the debt various times with the credit bureaus and even spoke with Portfolios representatives via the phone. To now avail have they been able to validate the debt and still refuse to remove it, years later. 

This type of inaccurate illegal reporting is hurting my credit and they can't seem to justify or validate their claims or why.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer XXXX XXXX XXXX. XXXX XXXX has cited " technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thanks!
Product: Mortgage

XX/XX/XXXX I received a letter in the mail from SPS XXXX regarding my new XXXX and monthly payment. I have a ARM Mortgage that sets on XX/XX/XXXX of every year. I know for a fact, XXXX XXXX took the interest rates down 0.50 % in XXXX and then again in XXXX another 0.25 % in XXXX. Instead of my mortgage rate going down SPS XXXX took my mortgage rate up by using what is called a published " index rate '' and adding a certain number of percentage points called the " margin. '' Under the loan agreement, the index rate is 4.96902 %. From my research and my findings this was MANIPULATED, because the rate as of XX/XX/XXXX was 4.58 % and the margin rate was even lower than the " margin rate '' I incurred on my mortgage as of XX/XX/XXXX, due to the rates going down. Arm mortgages rates are tied into short term loan rates and my mortgage should have went down instead of going up due to LIBOR MANIPULATION. The margin that was disclosed was 2.25000 %. In my mortgage I have what is called " Margin Limitations. '' Meaning my first change date of the mortgage is when the " margin rate '' could be increased to 2.25000 %. Thereafter, stated in the terms and conditions it would never be higher than 2.000 %. Unfortunately SPS Servicing Portfolio, did not comply with the term and conditions or the New York Federal Reserve Bank Interest Rate or the SOFR and utilized an index from FTSE USD IBOR CONSUMER CASH FALLBACK 12-MONTH that is published monthly at XXXX. XXXX Stock Exchange Rate. All I am asking for is SPS Servicing Portfolio is to comply with the New York Federal Rate as well as the SOFR and not Continue to MANIPULATE my monthly payment by utilizing the LIBOR that is tied into the XXXX STOCK EXCHANGE. My mortgage payment should have decreased instead of increased effective XXXX XXXX. My current rate is 6.625 %. SPS Select Portfolio Servicing XXXX Inc., increased my interest rate to 7.25000 % as if my mortgage is being traded on the XXXX STOCK EXCHANGE as well as being MANIPUlATED by the Libor. In addition my mortgage appears to be traded as a Credit Debt Swap ( a Derivative ). In closing I sent my entire legal binding mortgage note to SPS Servicing Portfolio , IncXXXX, to XXXX as well as to XXXX. The email states received. Thus far I have yet to get any type of response concerning this DISPUTE. In addition I telephoned SPS Servicing Portfolio , Inc., on XX/XX/XXXX as soon as I received the updated mortgage payment effective XX/XX/XXXX. I requested all phone calls to be recorded. I spoke with a customer service representative at XXXX eastern standing time and then a manager at XXXX eastern standard time. Need assistance with this non compliance manipulation of Libor Interest Rates.
Product: Debt collection

I was contacted by Franklin Collection 's via mail. I sent a email trying to validate the debt but they only sent a letter stating how much it was and requesting a payment. On XX/XX/year> I was contacted again after stating in the letter that I would prefer letter or email correspondence. I spoke with a rep. Who asked when was I going to pay the XXXX. I then proceeded to ask for information stating that it was my bill I was informed that I would have to contact the original biller even though Franklin I the company that have the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this XXXX XXXX in my collections. I got them removed from XXXX and all other reporting agencies for some reason it is still on my transunion, they keep calling me i do not owe them any money. I have no idea what they are talking about. They call non stop. I have tried to explain to them to show me paperwork as they have the wrong person. My latest phone call with them was on XX/XX/2022. This is fraud.
Product: Debt collection

This is in regards to Wells Fargo Bank NA. Continued repetitive calls, a couple of representatives used profanity, constantly calling from different numbers, and after explicit request of not to call during certain times I still receive calls during such times and debt collector claims to have no record of it.
Product: Debt collection

I FELL VICTIM TO THE EQUIFAX DATA BREACH AND OTHER DATA BREACH WEBSITES AND WOULD LIKE IMMEDIATE REMOVAL OF THE ACCOUNT FROM MY CREDIT REPORT WITHIN THE NEXT 30 DAYS.
Product: Debt collection

XXXX  ,2014- $   XXXX  - as k  XXXX   XXXX  to remove this off my credit report because this account is past 7 years and n o one  call me,
Product: Debt collection

When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 5 months, I have been attempting to correct an error on my TransUnion Credit Report. There is a XXXX XXXX Bankruptcy dated XX/XX/2019 in my file. This is not my Public Record and it needs to be removed immediately. Furthermore, it is hindering me from being approved for a mortgage. I have contacted TransUnion several times by certified mail and phone calls in attempts to resolve this matter. They claim that they investigated it and verified it with the US Bankruptcy Courts. I contacted the US Bankruptcy Courts myself and was told that they do not verify such information at all which makes proves TransUnion did not verify this public record. The US Bankruptcy Courts sent me out a letter as well explaining and supporting my claim. The XXXX  XXXX Bankruptcy is not mine and must be removed alongside of it not being verified as my account. You must prove beyond a reasonable doubt that this is my account and the US Bankruptcy Courts says that it did not verify it but several representatives have said it is verified. This is incorrect information and TransUnion is at fault.
Product: Credit reporting or other personal consumer reports

Over the last 15 years I have been a victim of identity theft and have taken my personal credit very serious. In early XXXX of XXXX after almost 10 years I went to purchase a new vehicle at a dealership in XXXX XXXX Ca XXXX 

Upon the purchase process it was brought to my attention that several addresses were listed that I never lived at. In addition, I noticed an account opened over the internet in or around XX/XX/XXXX. Having no prior knowledge of this account I was forced to contact law enforcement to report identity theft. 

Moving forward and during this process I was forced to file a formal report with the XXXX XXXX Police Department as well as file a affidavit of identity theft with law enforcement along with all three major credit bureaus. In addition, I was informed that there was an account opened under my name completely done over the internet. Furthermore, there was a loan issued under my name in the amount of ( {$65000.00} ) which was identified by law enforcement as forged signatures, depository information was fraudulent and not in my name, and to date no payments have ever been made on the account in question. 

In closing, over the duration of the last eight months I have sent in law enforcement reports, affidavits and all necessary documentation to formally block the account which was opened fraudulently including but not limited to names, addresses, and phone numbers not associated with me. Over the duration of time XXXX, Equifax, and XXXX has refused to " Block '' the information. Instead, the credit bureaus continue to send me erroneous letters outlining their investigation but has refused to outline what was or what was not validated. They have refused to follow both State and Federal governing laws. I have requested and demanded for them to follow statue and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than 7 years old and more than 7 years has passed since the account first went delinquent
Product: Credit reporting

I dialed XXXX by accident instead of XXXX. I thought I was calling Experian. I gave them my name and phone number before I realized something was fishy. They were trying to sell a credit protection plan across the XXXX credit reporting agencies. The man said he was XXXX XXXX and his direct number is XXXX XXXX. I do n't think I provided any other information, but now I am nervous.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from bank of america itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
Product: Credit card or prepaid card

XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money
Product: Credit reporting or other personal consumer reports

I am trying to buy a house, so I would like to monitor my Experian score daily because that is the score my lender is using, and I would like to sign up for Experian XXXX to boost it throughout this process. First, I got an " oops '' message when I tried to create an account, so I called them. They said I had to wait XXXX hours and to try again- they needed to verify my identity. I tried again after XXXX days, I received the same message. This time when I called the same number I was given the run-around by an automated system that refused to put me through to a live person and instead told me to create an account online. Which I can't do. It took me calling XXXX different numbers before I reached a person, and they told me that I did not have an account and that in XXXX hours, I would receive an email from them that would let me set up an account. After XXXX  days of waiting I never received an email to my inbox or junk folder. So I tried calling again and got the same automated run-around. On the XXXX attempt, I told the service I had a dispute and they put me through to a person. I explained my problem, she told me she couldn't help me but she would connect me directly to XXXX XXXX. I mentioned that I was having no luck with the automated system and she said that she would patch me through directly to the XXXX XXXX. She did not. I ended up back at the automated service which refused to let me speak to a person and kept telling me " goodbye '' each time I called. So I called back and once again said that I had a " dispute, '' I reached a live person who informed me that XXXX XXXX was experiencing technical difficulties today but their IT Team was working on it, and that she could not connect me to them - everyone was having issues today. I told her that I have had technical difficulties for the past XXXX weeks, to which she responded that that must be a coincidence and try back again later, she would not put me through to XXXX XXXX. I told her that I wanted to monitor my score daily, and she said that that wouldn't help, they don't change that often. I know this to be a lie because XXXX refreshes daily. She offered to mail me a paper copy. Each time I have been on the phone ( up to XXXX  times now ), I have requested the paper copy. It has been XXXX  days and I have yet to receive a single one. She said that she would not connect me to XXXX XXXX  and that it was not that big of a deal. It is a huge deal for me. These are my personal finances and I have a right to see them. She then told me I could do the free annual report. I tried that - in order to get your Experian score through them, you must create an account. Which I can't do. This is unacceptable service and should be illegal. I am tired. I am livid. And I am losing hope.
Product: Credit reporting or other personal consumer reports

All my XXXX XXXX loans were consolidated with XXXX back in XXXX 2023 ( READ THE DOCUMENTATION ) whereas experian has been showing XXXX XXXX and XXXX both at same time. Experian also one of the only 3 credit bureaus that still list them as active. Where is Experian getting this data that it's still active because it's not XXXX XXXX as I have a XXXX balance, which is attached.
Product: Bank account or service

A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XX/XX/XXXX
Product: Credit card

I am disputing my Mattress Firm account furnished by Synchrony Bank. 


Over a year ago, I called Synchrony Bank to close my Mattress Firm credit card account due to financial hardship. 

They close my Mattress Firm account. 

I asked for a payment program to pay the balance I owe to Synchrony Bank. 

They did gave me a payment plan program of {$50.00} to pay on the account every month. 

XX/XX/, my Mattress Firm account was {$1300.00}. 

My current balance on my account has increase to {$2300.00}. XX/XX/XXXX XXXX Synchrony Bank added over {$1000.00} interest on my account after XX/XX/.
Product: Mortgage

In XXXX of last year, we entered into forbearance on our mortgage with Suntrust, now Truist. After 90 days we ended the forbearance and were told in XXXX of XXXX that we were no longer in forbearance. We proceeded to make normal mortgage payments and have remained in good standing on our mortgage payments to-date. In early XXXX we decided we wanted to refinance our home mortgage and pursued this with another lender. We were told by that lender that we needed to provide them with proof that we were no longer in forbearance, as well as the repayment period of the forbearance portion of the loan. After looking in our internal files, we determined that we did not have such a document, so on XX/XX/XXXX, we contacted Truist and asked them to email us a copy of this letter, stating that we were no longer in forbearance. We were told that we would receive it within 7-10 days, THAT NEVER HAPPENED. So I called back 2 weeks later, on XX/XX/XXXX and another lady told me that I should have the email within 3-5 days, THAT NEVER HAPPENED. So I called back a week later, on XX/XX/XXXX, and they told me that they had failed to enter the code that signals my account to no longer be in forbearance, so she entered in the code that takes my account out of forbearance and trigger the letter to be mailed, I should receive a paper copy in 7-10 days. She then transferred me to the Home Preservation dept and they proceeded to tell me that I could not receive an email because their system is not setup to send emails, it wasn't even possible. She apologized and said I would have to wait for the paper copy to come in the mail. I wasn't happy, since I'd been told differently by 2 different agents prior, but accepted it in hopes of finally getting the paperwork I needed. Well it has now been 23 days since I was told I would receive the letter in 7-10 days, and I do not have a paper copy yet. But, the funniest part of this is that I actually did receive an email with a letter stating that i'm not in forbearance, but it didn't give the repayment terms or explain any details. So, this has been XXXX trying to get this paperwork and the customer service has been horrendous, to say the least. I've been lied to and given expectations that have not been kept, over 3 times and by multiple agents. I was told they didnt have managers and I could never speak to anyone with XXXX authority than the person I was speaking to. Lastly, I was told to visit a local branch, which I did, and they told me that they don't have access to home mortgage information, and they were not sure why someone would have told me to visit a local branch. I have now been waiting for over 6 weeks to receive a letter that I was initially told would be received within 7-10 days. I am not happy and feel that they are delaying me because I am pursuing a refinance with a different lender. This is poor business practice and I hope this will allow me to receive the letter that I have requested, but also deter anyone from pursuing Truist, formerly Suntrust, for their home mortgage needs. I will be calling Truist again tomorrow. Thank you for your prompt assistance with this matter.