23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, XXXX, XXXX, Equifax. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. Experian continues to report a charged off account with a past due balance. I informed Experian in a previous CFPB complaint that the account is inaccurately reporting as " past due as of XX/XX/2021 '' and is continuing to report a past due balance ( please find evidence of account reporting as past due ). Upon further research this account is reporting as a Charged Off status ( please find evidence below ) and according to the Internal Revenue Service, IRS, on their public website www.irs.gov, this canceled debt is considered ordinary income for me. Experian is reporting income on my consumer report. Experian publicly states on their website that income is not included in their consumer reports ( please find Experian stating income is excluded from a consumer report attached ). I am a federally protected consumer and I have a right to privacy and it is Experian 's grave responsibility to respect my right to privacy. Experian has a duty to insure maximum possible accuracy on my consumer report. Experian isn't respecting my right to privacy nor are they insuring maximum possible accuracy on my consumer report by reporting income on my consumer report. Delete account XXXX XXXX Account # XXXX immediately from my consumer report.
Product: Credit card

apply for an increase in my credit, got a ltr from navy i m delinquent in their accts
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : DISCOVERBANK XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

My name is XXXX XXXX XXXX. I am a victim of identity theft. There were thieves using my identity to open accounts in a utility company XXXX XXXX XXXX in the period of XXXX to XXXX. These accounts were not noticed until they were delinquent and subjected to collections. The collections never reached to me but showed up in my credit report in XXXX. Both the collection agency which is XXXX XXXX XXXX and XXXX have never informed me these collections. 

This spring, we purchased a house for our primary residency. When I apply the home mortgage loan from US Bank, I was rejected because in my credit report there are these collections from the accounts I never knew. Now I can not get a loan because I am a victim of identity theft. 

I have acted quickly to resolve the problem. I reported the identity theft case immediately to the XXXX County police. The case number is XXXX. After receiving the police report, I contacted the three entities : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. I sent mails, made phone calls, sent emails to get their attention to correct this problem. Now, all three of them had verified that these accounts are not mine and their collections are not my responsibility because my stolen identity had been used to open these accounts by the thieves. The XXXX XXXX XXXX told me that it takes couple of months to withdraw the collections from the credit bureau, and XXXX told me my dispute was completed but they are investigating my case, in the meantime these collections can not be removed from my credit report. I do not know how long time they need to investigate it. The US bank will not consider my loan application because these collections are still in my credit report. 

I stuck here. I do not know what to do. I feel helpless.
Product: Credit reporting or other personal consumer reports

I have 3 hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within 4 business days per as per USC 1681c-2
Product: Debt collection

Received a debt collection letter from XXXX XXXX XXXX XXXX around XX/XX/XXXX for a debt of {$110.00}, after investigation found this was a fraudulent JC Penny account : XXXX, created in XX/XX/2014, based on stolen identity. After contacting JC Penny the account was closed on XX/XX/2014, JC Penny admitted error and close the account. But JC Penny lied, instead correcting their mistake, they sold the debt to the debt collection agents, and report the fraudulent account to all three credit agencies. I have filed a new complaint on XX/XX/XXXX this year to JC Penny, so far hasn't received any response from JC Penny.
Product: Credit card

On XX/XX/year> Citibank XXXX XXXX Credit Card Charged me XXXX & XXXX for membership fees. On or about XX/XX/year> I called Citibank to close my account and ask for a full refund of membership benefits from XXXX which they did not provide and they refused to credit back those fees. By federal law is illegal to charge for service ( benefits ) that are not provided/rendered. I kindly ask for your help in this matter. Thanks
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I noticed that there were several inquiries that I did not authorize or recognize. My concern is that these unauthorized inquiries are having a negative impact on my credit score and making it more difficult for me to obtain credit. I have already contacted the three credit bureaus with no real solutions. Therefore, I am requesting your assistance in investigating this matter and ensuring that my credit report is made accurate. I have also attached a copy of my fct report please review it and remove all of the unauthorized inquires because i was unable to list them all here. 

I appreciate your time and attention to this matter. I look forward to hearing from you soon. 
By : XXXX : Whiting All Rights Reserved
Product: Checking or savings account

I've continuously attempted to have Huntington National Bank go through and do a historic review of my accounts ; interest earned on promotional rates since 2014 ( which includes promotional Money Market Account ( MMA ) rates ) as the money paid, for monthly interest, from time-to-time,  does not accurately reflect the rates ; I am owed interest between my checking and savings accounts. Since this request has been put in and ignored by customer representatives. I've made repeated attempts to resolve the issue ( s ) yet have faced being neglected. In this instance, Huntington to re-calculate with he promotional rates assigned for my checking and savings accounts. I've tried in good faith in effort to resolve such matters. 

In additional, Huntington National Bank also needs to confirm the closure of each of my business accounts had XXXX  balances before they closed those accounts out as according to my records there were funds. There are numerous business accounts. It was outside of my will or knowledge that Huntington Bank closed those business accounts and have not responded over several years to confirm the request of a XXXX  balance with evidence. 

I feel that, being subjected to the actions over the course of several years, I am full entitled to these actions in good merit and keeping order Huntington Bank realize the deficiencies for the issues provided.
Product: Vehicle loan or lease

Drivetime is a scam . Car b roke d own for the 3rd ti me on  XXXX   XXXX ,  2017  currently in shop but they will not cover repair. They are at fault car was falsely evaluated.
Product: Money transfer, virtual currency, or money service

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 For these violations.
Product: Mortgage

My mortgage was previously with XXXX XXXX, but XXXX XXXX sold the note to Select Portfolio Servicing. I am currently paying amounts significantly in excess of the minimum payments which I request to be applied to the principal balance ( $ 10K- $ 13K/month ). However, they are not applying the extra amounts to the principal. They are leaving most or all of the extra amounts as " unapplied ''. I am therefore being charged interest on the amounts that are intended to be applied to the principal. 

They also skip sending me statements promptly on monthly basis. 

The first payment was made to SPS in XX/XX/2019, but I have received only 3 statements XXXX through XXXX. 

I am requesting that I receive monthly statements promptly and that the extra payment amounts be applied promptly to my principal balance. The statement should reflect these applied payments, along with a new principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports equifax, XXXX  and XXXX XXXX. 

XXXX XXXX Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Factual Data : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax Credit Report Inquires : XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX  Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.
Product: Mortgage

During the big bank bailout, Bank of America took over Countrywide mortgage and my loan..Before a balloon payment was due I called the bank to see if I could make a loan modification. Then the process began which went on for months. At first, a regular payment came due and I made the original payment and it was returned to my account. They refused the payment. I let XXXX XXXX know and we continued with the modification. At this time, Bank of America was turning in bad credit on my account. I told XXXX and she told me that the bank would make it right after we finished with the modification. I got a notice that I had to make XXXX Trial Period Plan payments of {$640.00} and these are the payments for XXXX, XXXX and XXXX 2015 that they are saying I did not make. They did not apply this to my loan until all XXXX payments were paid. They then added XXXX dollars for interest on the loan. I then received a notice that the monthly payment would be {$720.00}. On the same notice they wrote " We appreciate your cooperation and look forward to taking the final steps to providing you with affordable mortgage payments ''. No time during this process did I talk to anybody about this loan. It was dictated to me from beginning to end. During this time we got a notice that we could not talk to XXXX about this loan anymore. We had to talk to whichever loan officer who dealt with me when I called. I talked to XXXX loan officer about the payment being excessive and he said I had to wait for a year to even try lowering it. At this time we were dealing with another bank and they said our credit rating was destroyed because of these payments they said we did not make. I called their credit dispute division and they said XXXX had asked them to remove the bad credit rating. But they said they needed a letter from me asking to have it removed. I sent a letter and still nothing happened. I went to XXXX XXXX, XXXX, attorney, and they sent a threatening letter on our behalf. Still nothing happened. We received a letter saying we needed to sign an authorization form before they could deal with it. At this time, nothing has been accomplished with fixing our credit rating. I am still making regular payments of {$720.00} as dictated by the bank. They lowered the interest rate 1/2 %.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX years ago in XX/XX/2021, my son had an XXXX  visit with 5 days without insurance. The hospital, XXXX 's XXXX  of Colorado neglected to work with me despite numerous contact attempts, and ignored me for over a year. XXXX 's then sent me to collections with BC Services who again, did not respond appropriately to attempts to correct the balance owed. BC Services after 1 year of ignoring every request along with XXXX XXXX XXXX XXXX Colorado tried to sue me, and sent a police officer to my door. Under the immense pressure of having police at my door for my son 's emergency medical debt, they made me set up and sign an agreement for payment. This was only after I was being sued and sent to court. There are phone recordings of me crying hysterically and BC Services not paying attention or following appropriate protocol. I since, have again reached out to XXXX XXXX XXXX XXXX Colorado and sent notice to BC Services that payment would be on hold until any discrepancy was rectified.

I have put in 2 complaints with BC Services now, and they have simply been closed with no additional explanation. This collection company is not honest, and they are not following protocol. I find this to be a violation of rights set forth by Colorado laws regarding medical debt and I am astonished that this can keep happening. 

My most recent letter ( sent to an old address ) is " RE XXXX '' From BC Services Legal Supervisor, XXXX XXXX
Product: Student loan

I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. 

On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. 

On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. 

On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. 
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. 

Sincerely, XXXX
Product: Credit card or prepaid card

My current legal name is XXXX XXXX, and my current occupation is XXXX. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
MY DISCOVER CARD account ending XXXX ( XXXX previous card ). WAS USED IN XXXX  WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.
Product: Debt collection

Midwest Recovery placed a {$270.00} debt on my credit report on XX/XX/XXXX this year. I never received anything from this company prior to seeing it come up on my XXXX  report. I called them today and they said they had my correct address and that they dont have to notify of the debt prior to placing my my report but if I paid it theyll send me a deletion letter. I should have had 30 days to dispute the validity of the debt
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of XXXX XXXX  identity theft.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX  for {$170.00} I immediately started a dispute, and a temporary credit was issued. 
I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. 
How was the order placed, online or by phone? Did the expiration date and CVV code match? 
I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. 
So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. 
And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. 
So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? 
The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.