23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 we were notified by Portfolio Recovery Associates , LLC of an alleged debt. We responded on XX/XX/2021 disputing the debt and requesting that documentation be provided to validate the debt. Rather than validating the debt, we instead continued to be contacted for purposes of collecting the debt, despite failing to validate it per our dispute request. On XX/XX/2021 after receiving another attempt to collect via mail I sent a second notice to Portfolio Recovery Associates , LLC reiterating our dispute of the debt and notifying them that they were now in clear violation of the Fair Debt Collection Practices Act by ignoring our request not to be contacted for purposes of collecting the debt until such a time they could validate it. After this second letter was sent, Portfolio Recovery Associates responded to the dispute by providing some of the documentation we requested to validate the debt and their legal ability to collect on it, but failed to provide satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on XX/XX/2021 requesting that they provide the additional documents that they had failed to provide and reiterated that we are still in dispute of the debt. Portfolio Recovery Associates responded to this request by re-sending the exact same documentation they had previously provided us while still failing to provide the other requested documents such as proof of their being licensed to collect debts in California and proceeded to threaten us with a lawsuit as a means of intimidation and to prevent having to provide the documentation we requested. Despite being in good faith negotiations regarding a disputed debt, we were concerned over this legal threat and decided to make a payment to Portfolio Recovery Associates as a delay tactic while we decided what to do about our legal dispute requests going ignored while simultaneously being threatened with legal action, despite remaining in ongoing good faith communication with Portfolio Recovery Associates. 

To our surprise, shortly after making this payment we received a lawsuit stipulation for settlement letter from Portfolio Recovery Associates indicating they had sued us despite not informing us that a lawsuit was being filed and despite the fact we were still in ongoing communication with them regarding a dispute that had not been settled. We have already suffered violations of the Fair Debt Collection Practices Act by Portfolio Recovery Associates , LLC from other debts that they ultimately were unable to verify and were written off. Due to this past history with Portfolio Recovery Associates we had every reason to be wary and demand documentation validating the debt as well as their legal ability to collect on any debt they could validate. The threatening and filing of lawsuit without notifying us while failing to provide all the requested documentation is exactly why they should be worried about a lawsuit. If they want a settlement, then we will offer on on our terms if they wish to avoid going to court to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this misleading account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, American Express and XXXX falsely in my name. I have never requested any cards or products if XXXX, American Express or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, XXXX XXXX or AMERICAN EXPRESS ) in the last 2-3 years. It is fraud. Please remove.
Product: Credit reporting or other personal consumer reports

THE FOLLOWNG ACCOUNTS WERE OPENED FRADULETLY IN MY NAME AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FOLLOWING INQUIRES DONT BELONG TO ME XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a statement in XXXX that stated the closing date for that billing period was XX/XX/XXXX. The statement indicated ( highlighted in red ) on the first page that I must pay a balance of {$2000.00} by XX/XX/XXXX or any remaining balance would be assessed interest at the standard purchase APR. On XX/XX/XXXX I paid {$210.00}. On XX/XX/XXXX, I paid {$1800.00} for a total payment on the account of {$2100.00}. This is above and beyond the clearly stated amount of {$2000.00} noted on the XX/XX/XXXX statement. Upon receiving my XX/XX/XXXX statement I noted an interest charge of {$2.00}. What this shady bank did was charge me standard purchase XXXX for charges that posted ON and AFTER XX/XX/XXXX that were not paid off by my payment on XX/XX/XXXX ( some posted as of the date of XX/XX/XXXX through XX/XX/XXXX ). There is no way, I, as a consumer, would know that I was being charged interest for NEW charges in the current billing cycle because of a promo that stupidly ended in the middle of a statement cycle. Any charges that posted to my account from XXXX that XXXX is attempting to claim fall under the " promotional '' period is predatory. I want my {$2.00} refunded.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 someone hacked into by Bank of America ( BoA ) online banking account and attempted to transfer {$3500.00} from my BoA to a source Bank of America will not reveal. I did not realize what actually took place until XX/XX/2021 and I called BoA. However, On XX/XX/XXXX someone DID call my cell phone telling me they represented BoA and knew all the details of my BoA account ( including my account 'nickname ' ) and that same someone who said they were calling from BoA explained to me someone was trying to perpetrate fraud against my account and in order to stop the transactions from happening I needed to provide them with a code they had just sent to my cell phone. Thinking this was BoA I gave them the code. An amount totally {$3500.00} was transferred out of my account and into an account BoA would not provide me. I explained to BoA that this was fraud and that I did not intentionally make these transfers. They have since investigated my claim and are insistent that I made these transfers although I told them I did not and it was fraudulent. I'm not really sure I do from here so i'm contacting you for assistance
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in 60 days to be removed.

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.

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 XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is reporting inaccurately. I have supporting documents
Product: Debt collection

No legal validation for this collection. Requesting actual account and chain of assignments to show ownership. NON ASSUMPSIT binding both parties. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX send via certified mail to this company. They are in violation with the laws. The Credit bureaus and also in cahoots with these people. This is an unverifiable account. I have made several attempts to deal with this matter. I want to know who is the agent for this company XXXX XXXX XXXX
Product: Checking or savings account

My bank is withholding my money from me. I had a refund sent to me from XXXX on XX/XX/XXXX, I had XXXX different transaction sent to my bank account I got XXXX out the XXXX back. The XXXX payments I received back was for XXXX and I had another for XXXX. I reached out to them multiple times about the XXXX refund and also spoke with XXXX who informed me they already sent it out and traced it back to my banking company Current. They keep telling me wait such and such amount of days, but everytime it gets to said day it's another problem with me getting my money.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I borrowed XXXX from Coinbase, through there new Borrow feature, just to see how it worked. I payed the loan back, XXXX days later, way before incurring any interest. When I clicked submit payment there was an alleged network error and I had to re-submit the payment XXXX times until it said that it went through. 

A day later I checked my bank statement and found out that XXXX had taken XXXX, XXXX times. 

When I submitted a complaint and evidence of the mistake, XXXX asked me for transaction records, when I provided them I was ghosted. 

This company has no problem putting people in financial jeopardy when they make a mistake and that is not ok. 

This company is too big for its own good and is XXXX over honest, hardworking people.
Product: Credit reporting or other personal consumer reports

This account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by TRANSUNION. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, TRANSUNION has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ TRANSUNION ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit card or prepaid card

On XX/XX/22 i noticed that XXXX  someone was making unauthorized purchases with my card. I could only see that XXXX charges were pending for XXXX, {$290.00} and {$190.00}. I called my card and informed them on XX/XX/22 at XXXXXXXX XXXX They froze my acct. I made them aware that i am still getting notifications that my card is be declined at XXXX and some one is still trying to use it and that all XXXX  charges are unauthorized. Then on XX/XX/22 while my card was still locked they released XXXX payments to XXXX for {$250.00} and {$180.00}. XXXX not sure why they did this on a locked account. i called them and they said they had to do this to go through the process of fixing my acct and " i was not to worry ''. Their card holder agreement state that if i report the charges within 2 days of knowing about it that the most money i would lose is {$50.00}. They are refusing to give me any of the this money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Checking or savings account

I received a card in the mail from Citizens Bank stating I could " get up to {$700.00} ... '' if I opened both a checking and savings accounts, and followed the conditions stated on that card. I did so, even walking through the set up with their representative, following all conditions correctly. But they did not follow through with their payment, and said so on the phone.
Product: Credit reporting or other personal consumer reports

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  these accounts are fraudulent experian wasnt trying to remove the account
Product: Debt collection

A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Product: Checking or savings account

Wells Fargo keeps screwing up my account- I am being charged outrageous fees. In the last few months their ATM screwed up my deposit and Wells Fargo STILL has way too many accounts opened in my name. We attempted to make deposits ... and the ATMs around here always seem to malfunction. 

We have attempted to work this out before, but Wells Fargo keeps trying to mess with us. I'm fed up with the bankers at the branch and just want them to stop predatory behavior when it comes to the people they purport to serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. I notified Experian and all the credit reporting companies. I have a XXXX  XXXX XXXX XXXX worth a XXXX $ card limit that was fraudulently open. I have asked Experian to please remove it from my report. All other reporting agencies, have removed the inaccurate reporting.
Product: Debt collection

The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 

I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Product: Mortgage

Since filing a complaint with CFPB about XXXX XXXX XXXX, I have more information about the damage done to my insurance coverage by their neglecting to pay the homeowner 's insurance company- XXXX. When they failed to pay and the insurance coverage lapsed, XXXX refused to reinstate the coverage I had. It was good coverage at a reasonable price. I was forced to get emergency coverage from XXXX at a higher rate, a higher deductible and no coverage for the roof of my house. So, the damage done goes beyond the {$340.00}. Truist is trying to charge me for the lapse in coverage. 

I believe Truist should approach XXXX XXXX XXXX and persuade them to reinstate the coverage I had at the rate I was paying. I should be reimbursed for any funds Truist has taken from the escrow on my house. The mistakes made by Truist will be costing me for the next 28 years. I sent the paperwork with the previous complaint. 

If Truist can get XXXX to reinstate my insurance policy as it was originally issued, I would be deeply grateful. As a senior citizen, I can not afford to pay, and pay, and pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently. 


FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) XXXX -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) PORTFOLIO RECOVERY -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX