23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. Today I received a notification on my credit report that Portfolio Recovery Associates reported an account I have no knowledge of. ( XXXX XXXX ) for {$1600.00}. I previously had problems with this company where they previously reported an account that was inaccurate and lacking documentation. Without verifying the debt, portfolio tried to collect payments by pressuring me with false statements and ridiculous claims of a lawsuit using robo-signed court documents. They closed that account after I clearly proved to them that the account did not belong to me and filed a complaint with the CFPB AND XXXX. Please refer to CFPB COMPLAINT # XXXX ... Portfolio sent me a letter dated XX/XX/XXXX stating that the tradeline was closed and removed from all credit reports.. Now they're stating that there is a another new account with a new account number. The previous account that was closed ended in account number XXXX. I called them today and spoke with two different representatives on a recorded line.. they both stated to me that the complaint that I had made previously was regarding another account and that they just purchased this new debt in XXXX?? .. I stated to them that I sent them a letter regarding the false new account and they need to use the documentation that included my FTC affidavit notarized and signed with my police report as I was a victim of identity theft and the girls stated to me that the debt buyer just bought this new account for pennies on the dollar in XXXX and their job is to collect on it aggressively. Portfolio Recovery Associates knows this information is inaccurate and can not be legally enforced based on disclaimers, past practices of debt sellers, or my consumer dispute. They have all my supporting documentation on file!! This is a violation of Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Portfolio Recovery Associates needs to close and delete this tradeline off of my credit report. This is also a violation of the fcra 605b identity theft law. Should they not remove this tradeline I will pursue with a lawsuit. I have supporting documents where that supports my dispute and they have yet to prove to me that this account is mine. I will also take this to the media should not this not be resolved because I am exhausted calling them trying to get this account resolved closed and deleted!!! I also sent them a cease-and-desist request to discontinue the phone calls and the letters that they are continuously sending to me and calling my place of employment and they have went against the law of the cease and desist which both representative stated that they do have on file and completely ignored it. My information is listed below : this has gone way too far that they're allowed to continuously break the laws like this.. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Mortgage

I have contacted pennymac mortgage for over 3wks to receive a copy of my note.The note was not included in my final paperwork from last transaction. i finally realized after multiple attempts they had no intention of sending the note ; since they know i need to refinance. I have filed this complaint in hopes of obtaining the note with your help.
Product: Money transfer, virtual currency, or money service

I opened a new account with Webull Pay, with an intent to invest in cryptocurrency. However, given the surge in cryptocurrency prices recently, I no longer want to invest and I want to transfer my funds out of Webull Pay. Webull Pay has informed me that they are not allowing me to transfer my own money for XXXX  days. 

This " XXXX  day '' rule was messaged to me as a " updated security measures ''. It is completely unacceptable to acknowledge that the money is mine but do not allow me to withdraw it. XXXX  days means loss in other investment opportunities that I have. 

If they have security concerns, they should give customers a way to submit supplementary materials like a letter of good standing, not disallowing customers to have access to their own money.
Product: Credit reporting or other personal consumer reports

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

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

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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with SELF FINANCIAL/LEAD BA AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, Experian has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE EXPERIAN!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Product: Mortgage

I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX
Product: Money transfer, virtual currency, or money service

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 a 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: Payday loan, title loan, or personal loan

I took out a payday loan and didn't realize how high the interest rate was. I don't believe they can legally charge that high of a rate in the United States.
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find attached a response to a letter I sent to the Federal Trade Commission dated XX/XX/2020. I have over 20 complaints regarding Equifax Credit Reporting. I asked the Federal Trade Commission to please help with Equifax continues to report my name wrong. They continue to add a suffix " XXXX '' to my name and I have sent them copies of my driver 's license and social security card over 18 times and they continue to report me as a " XXXX ''. 

I have asked over 18 times via phone, online disputes to Equifax and CFPB with NO avail. I have also asked to have my consumer statement removed and again they refuse to remove it. 

Also, there are inquires that show on my credit report that are not mine and I have a fraud alert on all 3 of  my credit reports. Equifax told me and the CFPB that they were going to remove them and actually said they were deleted. They are still there. 

All I get is canned XXXX responses from Equifax, the CFPB and now the Federal Trade Commission kicked the can back to the CFPB. Does anyone give a XXXX about this? Does anyone hold anyone accountable? 

If the CFPB would review my account of complaints on their website they would see all the complaints.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a regularly scheduled payment by the due date. On XX/XX/XXXX I paid off my credit card in full except for a pending charge of {$26.00}. On the morning of XX/XX/XXXX I checked my account and it showed a balance of {$26.00}. On the evening of XX/XX/XXXX I checked my balance again to find an interest fee of {$100.00}. I promptly called capital one to remove that charge since my payment had cleared on the XXXX before the new cycle started. They refused to remove it and were simply patronizing and rude. I asked to speak to a supervisor who was more rude than the first. He explained the interest rate was based on the average daily balance and that it would take 2 months to see those fees based off of my average daily balance go down. I proffered that I would never be able to pay off my credit card based on their predatory interest practices. He then further explained I could take my business elsewhere. I have been their customer for almost 18 years and in that time I have never missed a payment or been Late with a Payment. I asked to speak with someone above him and he said that was not allowed. Capital One needs to be investigated for their predatory lending practices and exorbitant interest fees and their complete lack of customer service. Please help.
Product: Checking or savings account

I received an email and text ( XX/XX/year> ) from Chase regarding fraud and that there was a restriction on my account ( both checking and savings ) and that I needed to contact them before my accounts were closed. 

I called them and at that point was made aware that my debit card was closed and after getting transferred 4 times, speaking to the rep was told that Chase was ending their relationship with me and my accounts would be closed in 10 days and I would not be able to open another account with Chase. 

No explanation as to why and not even given a chance to fix what the issue could have been. This has been a huge inconvenience as I do receive my payroll direct deposit into this checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

by fcra rights and laws for my consumer protection i have not given XXXX XXXX .XXXX  XXXX experian i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports
Product: Credit reporting or other personal consumer reports

I am receiving credit denials from XXXXXXXX XXXX and is dated XXXX. The name on the letter is directed to XXXX XXXX and is unlawfully using my home address as their address. I do not know this person and since my personal records have been stolen in the past year several times, I would like this name unassociated with my address. I have reported to all credit agencies that information could have possible been stolen. I have put freezes on my credit and have arranged to be contact if anyone tries to use my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data on my credit report. this is my 2nd attempt please review all data that is hindering my credit report with Experian.
Product: Credit reporting

I requested to have my employer updated and address corrected. Although, the employer was updated the address was totally messed up. This is inaccurate information.
Product: Debt collection

I received an invoice from XXXX XXXX XXXX district stating that I owed taxes on my vehicle leased by Mercedes Benz. Below are the account numbers I was provided. 

Primary account number : XXXX Lease account number : XXXX I informed XXXX XXXX with Mercedes Benz that these charges were inacureate and eroneous. 

I notified XXXX XXXX that I believe these charges are incorrect for the following reasons : This vehicle is not used to generate income and has NEVER been used to generate income. This was stated to owner at the beginning of our lease. 

I am a service connected XXXX Veteran we do not pay taxes the first XXXX years of business per Texas comptroller. 

I sent XXXX XXXX and Mercedes Benz the attached 50-285 Leesee 's Affidavit of Primary Non-Income Producing Vehicle Use, emails and supporting documents verifying that these charges were erroneous and asking them to remove these charges with the attached Affidavit provided by XXXX XXXX XXXX XXXX. 

Mercedes Benz reported this inaccurate debt to XXXX XXXX XXXX district. Although I have submitted substantial evidence to prove this debt is inaccurate as well as documents to send to the XXXX XXXX XXXX XXXX, Mercedes Benz refuses to remove it and validate this debt. 

This inaccurate and erroneous debt has the potential to put liens on my home and business. This inaccurate and erroneous debt is causing me harm and hardship.
Product: Debt collection

The following account is not mine from Portfolio Associates LLC. I never signed an agreement with this company. I've asked the company to provide with documentation of any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states " The communication is from a debt collector, but not an attempt to collect a debt '. The account number is XXXX, {$2100.00}, XXXX XXXX XXXX XXXX XXXX /Portfolio XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am trying to cash a check written from XXXX XXXX on their account at Bank of america Bank of america refuses to cash this check stating its over their check cashing limit since i do not have an account with them or any other bank i dont think this is a fair policy for a bank not to honor their checks even with proper identifacation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS XXXX PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.