23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/2024 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against Portfolio Recovery Associates XXXX Inc for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Portfolio Recovery Associates , Inc has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with Portfolio Recovery Associates , Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with Portfolio Recovery Associates proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. Portfolio Recovery Associates conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Portfolio Recovery Associates take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Portfolio Recovery Associates is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Husband XXXX XXXX from XXXX and he was main provider.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a certified letter to XXXX in response to receiving my consumer report that is negatively impacting my consumer report. As per 15 USC 1681a 2, my transactions and experiences between me and the person making the report should be excluded. Additionally, 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Finally, 15 USC 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. As the consumer, I did not give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate, and injurious information to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). The FTC provided me with an identity theft action plan, which included requesting my free credit report from the National Consumer Telecom & Utilities Exchange ( NCTUE ), because of the fraudulent XXXX account. 

On XXXX XXXX, XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use NCTUE 's phone numbers to request my credit report. On the best of occasions, I get to the point where it says it is ordering my Credit Report and then it says it can not process the request.
NCTUE 's website does not permit me to directly request/access my credit report.
NCTUE 's website does provide a mailing address to request this information ; however, it does not provide any indication as to WHAT is required for me to send to actually get my credit report. Given the lack of security surrounding CRAs right now, I do not want to send more information than necessary. NCTUE has no way for me to verify what information they need and the phones are not working. I am the victim of identity theft and need this report, but can not obtain it from NCTUE.
Product: Credit card or prepaid card

I originally disputed a portion of a charge from a XXXX XXXX XXXX, The XXXX, a division of the XXXX XXXX which is a division of XXXX XXXX XXXX with my credit card provider, CitiBank. I was precharged for an Advanced Deposit at The XXXX for items that I may use while at any of the XXXX hotels during my stay. The Advanced Deposit was for {$680.00}. I spent {$510.00} of that amount, so I requested a refund for the difference {$160.00}. Attached is all of the requested documentation from CitiBank that I provided as well as my final appeal that was denied twice. In the last email from CitiBank, attached, they stated that since The XXXX would not refund the amount requested, they could not assist me or refund the {$160.00}. All of the documentation as well as my final 2 emails to CitiBank are attached. I apologize if some of the documentation is duplicated. I am hopeful for a positive reply from you by invoking the Fair Credit Billing Act under your authority. Please let me know if you need any additional information.
Product: Checking or savings account

XX/XX/2024, I called the Bank of America XXXX line. Bank of America does NOT have a fraudulent account opening choice for fraud so I had to use click on Debit card to get through. 
They informed me that the XXXX XXXX has a sepaate number XXXX. 
I fcalled and filed a fraudulent bank checking account, savings account, and debit card opening fraud. Th fraud claim was XXXX. The account was set up with my Tax ID that is available from XXXX. 

On XX/XX/2024, Bank of America sent a letter requesting : - a copy of my business 's articles of incorporation - any Fictitious Business Name Statement - Copy of my personal valid government issued identification - Original account documents you received - Proof of business address from XXXX XXXX to XX/XX/2024 XXXX ws unwilling to provide such personal information since the account was opened by a fraudster. 

On XX/XX/2024, Bank of America idicated that th ccount will remain open and be availabl for deposits, loans, and debit card usage. 

OUTRAGEOUS
Product: Mortgage

I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that in my records. The cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX un-authorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are In Direct Violation of The Falr Credit Roporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 16668 : A croditor may not treat a payment on a credit card account under an open-end consumer credit pian as late for any purpose. 
Remove these late payment and update this account, update this payment to current or on time Immediately as you are In Direct violation of several laws under The Falr Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered a collection account from IC System on my XXXX credit report for {$120.00}. This account is inaccurate, improperly reported, and unverifiable for the following reasons : 1. Incorrect Open Date The account is listed as opened on XX/XX/year>, but this is not the true date of delinquency. The original account became past due over two years ago, meaning this date is misleading and does not follow the FCRAs reporting guidelines.

2. IC System is NOT the Original Creditor IC System purchased or was assigned the debt but has not provided proof of assignment or original account records to verify their legal right to collect or report this debt. 
3. Failure to Provide Debt Validation Under 15 U.S.C. 1692g ( FDCPA ), I have the right to demand full validation, including the original creditors contract, detailed account history, and proof of assignment. IC System has failed to provide any of this documentation.

4. Inconsistent Reporting The account only appears on XXXX and not the other two credit bureaus, suggesting incomplete or improper reporting in violation of FCRA 623 ( a ) ( 1 ).

Given these clear violations, I demand immediate removal of this account from my credit report. If IC System can not produce full, legally required validation within the required timeframe, this account must be deleted per FCRA and FDCPA regulations.
Product: Checking or savings account

I opened an account with TD bank on XX/XX/2023 with a promotion that if I have a direct deposit post to the account I will receive a {$400.00} bonus I have completed the requirements by XX/XX/XXXX my direct deposit posted to my account in the amount of sent over XXXX XXXX was also a promotion to open a savings account together with the checking account and maintain {$10000.00} balance for 90 days which I completed as well. I was promised an additional {$200.00} for the savings promotion. I have called the numerous times inquiring when I will receive my bonus. I called on XX/XX/XXXX and XX/XX/XXXX and was assured that I will receive the bonus as promised by no later than XX/XX/XXXX. I still have not received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of the wrong persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Brclysbankde XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit unions XXXX, Experian XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX
Product: Debt collection

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

The account in question has been reported as a collection/charge-off, which is adversely affecting my credit score. I believe that the reporting of this account is inaccurate, as there remains a balance after it was fully charged off. I respectfully request your agency 's assistance in rectifying this matter by conducting a reinvestigation and providing any pertinent information that may be missing.

Additionally, I seek clarification regarding the presence of a past-due balance on my report despite the classification of this account as a charge-off. This situation appears to violate 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). Furthermore, I have yet to receive a 1099-C form, which raises additional concerns about potential fraudulent activity and further violations.

I formally demand the immediate removal of this account from my credit report to ensure that your agency is reporting comprehensive and accurate information. I appreciate your prompt attention to this matter. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not XXXX  days late on the account ( XXXX ) in XXXX of XXXX  as reported by Experian. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months, I have reached out to Experian to address many inaccuracies they're reporting to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' one account countless times. I have shown this very account as fraudulent, I've shown the inconsistencies and lack of permissible purpose as they're missing information, have invalid information and are simply not mine without proof provided. This account remains on my consumer report. 

I have sent various correspondence and I've sent this certified mail with return receipts requested. My requests have not been met, I have not been provided any documentation of closed and thorough investigation for maximum accuracy either. This has been happening since XX/XX/XXXX up until currently. The account in question has added illegal interest to this erroneous account as early as XX/XX/XXXX and Experian continuously allows them to report this false information.
Product: Debt collection

On XX/XX/XXXX I noticed a new and unknown debt collection on my credit report for {$3400.00} - XXXX XXXX XXXX ( Original creditor, opened XX/XX/XXXX ) that had been added in XX/XX/XXXX. I immediately wrote a debt verification letter to the named collector, XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) requesting a debt validation letter as I had not had any prior contact ( call, letter, bills, etc ) for this agency or original creditor. They have failed to respond to the debt validation letter. I also filed two disputes with the credit bureaus but those have not resolved anything. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. The debt was last reported to the credit bureaus XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate. 

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Mortgage

I have been trying for two years to get one document from Citizens Bank, a discharge notice on a home equity loan. It was originally taken out XX/XX/XXXX at the XXXX XXXX XXXX  office of Citizens Bank XXXX, with a credit limit of {$50000.00} and filed with the XXXX XXXX ( XXXX  ) Registry of Deeds on XX/XX/XXXX as Book XXXX pages XXXX. I need the document so I can declare the land is free from liens before we grant a neighbor an easement on part of our land. I began nearly two years ago trying to obtain this document from Citizens Bank ( which is supposed to be filed with XXXX XXXX XXXX XXXX, XXXX XXXX, because the property is in XXXX XXXX  ). I first went to the XXXX XXXX office where I was told they don't handle that work in the branch office, but she gave me detailed instructions how to file the request by fax. I did, but waited several months without hearing from anyone. I then went to the XXXX XXXX office of Citizens,  located in a XXXX XXXX XXXX supermarket. The took my information and told me not to worry, I would get it in the mail in 10 days or so. I didn't. I went back a few weeks later and spoke to another person, who went to so far as to call the office where they handled these documents. Again, she said, it would about 10 days and she would call me then. But she didn't call. I tried to reach her using the business card she gave me, but the phone number was not answered and attempts to e-mail her were unsuccessful.. 
I'm not sure when the XX/XX/XXXX home equity loan was paid off, but the XXXX XXXX XXXX XXXX shows a subsequent home equity loan for {$77000.00} from XXXX XXXX  on XX/XX/XXXX, so I assume it was around that date. 
Please help. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX h XXXX c XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX social security # XXXX i am a victim of identity theft all credit cos we're already informed & and given police reports including XXXX in XXXX Minnesota state abbreviation MN please adjust my XXXX XXXX to a normal-perfect XXXX XXXX XXXX or better please please clear my credit report to a new credit report social security XXXX XXXX XXXX requested after contacting your agency to get a new driver 's license number # and & to get a new social security number please process my request right away please i unlocked my credit on XXXX XX/XX/2021 thank u XXXX XXXX XXXX was notified new address XXXX XXXX XXXX XXXX MA XXXX and & XXXX XXXX XXXX XXXX MA XXXX thank u
Product: Vehicle loan or lease

THE TITLE FOR MY MANUFACTURED HOME. ITS BEEN PAID OFF FOR 30 YEARS AND THEY WONT DO A RELEASE OF INTEREST SO THAT THE NEW OWNERS CAN TRADE IT IN ON A NEW MANUFACTUED HOME