23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Portfolio Recovery Violations : 1- In the beginning, Portfolio Recovery, as an entity, refused to reveal their address location for mail correspondence. This was one of their deceptive tactics, according to the Fair Credit Reporting Act, the Consumer Protection Act, and the Fair Debt Collections Practices Act. They hide their location and address. This was deceptive and unethical.

They have just sent a letter to my po box with their address in the letter. I will test it to see if their address ID real.

2 -- Portfolio Recovery does NOT realize that the debt they are trying to collect is Time-Barred with a Four Year TIME CONSTRAINT, according to the laws in the state of California. Th we Four Time constraint begins when I made my last payment to the debt. Meaning I have statutes of limitations that they are NOT honoring. According to the Fair Debt. 
Collections Practices Act and the Fair Credit Reporting Act, This is the LAW in California. Putting it another way, in California, most credit card companies and their debt collectors have only four years as a time limit to come after a consumer. That is why Portfolio Recovery is so aggressive to try to get me to pay on the debt. Once that period elapses, the credit card company or collector loses its right to file a lawsuit against you. 
Portfolio Recovery doesn't realize that I know this... perhaps they know NOW!!

Now, the FDCA, FCRA, CPA, and CFPB, we all now know the truth!!!

3 -- Lying by stating that they called my residence, when in fact, I live in a Homeless Shelter. Also, they lied by stating that they called my job, when in fact I was unemployed during that period. My tax statements will reveal that I am telling the truth, which I am willing to state under a grand jury!

I have all the evidence.

4- Harassing me by sending text messages stating that I waive my rights unless I communicate with them only by phone.

Putting me under Duress by constantly Harassing me!!

5 -- In addition, the text that they sent was meant to intimidate me into believing I have no rights, and that I have no choice except to adhere to their demands. Deception and more Deception.

6 -- They have violated the Fair Debt.

Collections Practices Act The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/year>, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

These are California ( state ) laws and Federal laws in concordance with the United States department of Juatice. Both California and Washington D.C. 

I, XXXX XXXX, state that after Portfolio Recovery associates adhere to the demands, to cease and desist all forms of communication with me : No Telephone, Analog nor digital, Cellular Phone, Telegram, Mail ( USPS ), ELECTRONIC MAIL, SOCIAL MEDIA, XXXXXX/XX/XXXX... etc. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I had bad service with XXXX  and they released me from my contract. I then sent back the device. They then billed me for the device. I then called to resolve and they acknowledged ( on 2 occasions ) that they did receive the device. They still continue to sell my information to debt collectors that routinely call me. No matter how many times I explain it they call back and are rude.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year XXXX XXXX XXXX, I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, TransUnion, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.
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 violates 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 and others unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as the company did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant amount of inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

This complaint is a direct response to the actions PayPal claims to have taken in the response it originally provided to CFPB complaint ID XXXX. 

As part of the original complaint, I specified that due to limitations placed on my account, XXXX, I was unable to access the remaining funding in the account or initiate a transfer. At this time, despite the changes represented in the companys original response, I am still unable to access my funding or initiate a transfer. 

Even after PayPal claimed to have re-configured its internal limitations to allow the addition of new banking information, I was unable to do so. It was only after I complained again to PayPal through its website, and received no response or acknowledgement that the claimed changes were actually made permitting to add new banking information. Today, I remain unable to access the funding or initiate a transfer to my banking information. 

Furthermore, the system is now prompting me to confirm a code associated with a temporary credit/debit of {$1.00} to the new information. The transaction I see from PayPal is not in this amount, nor does anything even vaguely resembling the requested confirmation/verification code. Altogether, I still remain unable to access my funding or initiate a transfer despite the claims PayPal misrepresented in its response to complain ID XXXX. 

At this point, I am completely fed up with PayPal and its alleged resolutions. I do not want to confirm any additional banking information or verification codes. I do not want to engage with customer support. I want my money. Please confirm how a check can be mailed to the address and account holder of record. No other resolution will be considered satisfactory in light of the repeated bad faith actions and misrepresentations PayPal has made on this matter thus far.
Product: Student loan

The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.
Product: Credit card

I received a call from XXXX stating they were chase bank and someone had opened a credit card in my name and charged XXXX to it they then proceeded to read off for other of my credit cards # 's- expiration dates and XXXX digit codes and balances. they had my ss # and home address. as the call proceeded they said they transferred to this company CFPB to some one named XXXX XXXX and she had my complete credit report information. she then wanted to transfer me to a debt settlement company. 
I hung up I have now received XXXX phone calls non stop. 


This was complete fraud I have locked my credit reports but I wanted to report that number that called me stating they were from chase bank. 

These are the numbers calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I cant even explain how terrible the customer service reps are within this company. On XX/XX/XXXX I attempted to register my card online and send money to myself using it on XXXX. My XXXX. It wasnt working so I called to see XXXX dollars had been taken off by some random consulting company. I told the rep I didnt take that money off to which he told me maybe I should stop putting my card in random websites. Like what? I asked for a supervisor to which he blocked my card and hung up on me. I called again and again and again over the next couple of days until I just gave up. All I got was some rude replies and telling me I have to wait 90 days. Today XX/XX/19 Im like let me check and see if anything changed, again a rude rep, when I asked what happened if this false company doesnt respond he says I assure you its not a false company, to which I said ok so what kind of company is it, he said wait 90 days and they will tell you after they investigate, Im like Im not sure you understand what Im asking, he kept repeating 90 days 90 days 90 days. What is up with this company? I only used my card once at XXXX XXXX and then registered it on their website, now my money is gone,. The reps are rude, vague and just sketchy, they are all over seas completely unregulated and unchecked in the way they speak. Im upset because my money is stolen right before XXXX and a rep is telling me I need to be more professional as it is human nature to be professional. I want my money back and I dont want to wait 90 days and I will be seeking out a lawyer because I feel they enabled the debiting of my money. I literally had to sell my phone and that was the money from my sale for my XXXX kids XXXX. I was belittled and mocked by their over seas agents. I would never recommend this gift card to anyone.
Product: Credit card or prepaid card

Bank of America fraudulently tried to open a credit card in my name on XX/XX/XXXX. I forwarded the email to their abuse email address to notify them that I did not apply for a credit card and this is fraud. They sent another email on XX/XX/XXXX advising me that they could not pull my credit report because I have a freeze on my credit. Again, I responded this is fraud as I did not apply for credit. On XX/XX/XXXX and XX/XX/XXXX they sent me text messages " regarding my credit request ''. I know that Bank of America was recently fined by CFPB $ XXXX in XX/XX/XXXX ; apparently they are STILL trying to open accounts without permission!! They need to STOP!!!! I believe they have my name and information as I used to be POA on my dad 's accounts at Bank of America ( which we closed ). I never applied for a credit card, am not a customer of Bank of America, and years ago, placed a freeze on my credit as I don't need credit and to protect myself from fraud. But that isn't stopping them from harrassing me to unlock my credit so they can process a fraudulent credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ) ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Credit card or prepaid card

Hello. I have an amazon Storecard services by synchrony bank. I have fallen on hard Times and havent been able to make a payment for a few months now. I am XXXX and currently Have active cases with social security XXXX as well as worker compensation. I am trying to download my billing statements as I do not have paper statements. They are only available through my online account. I am being told that unless I make a payment that I will not be able to get my statements. Is this legal?
Product: Credit reporting or other personal consumer reports

XXXX is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. Ford Motor Credit - Omaha Service Center Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.
Product: Credit reporting or other personal consumer reports

The Collection Account in question does not belong to me. I've repeatedly requested the original contract and any signed documents linking me to this account from the reporting agency, XXXX XXXX XXXX to no avail. 

I've never held a XXXX account and have asked for any contract associating me with it, again with no success. Their claim of {$610.00} is baseless as it's not my account but rather a fraudulent one. 

XXXX XXXX account has overstayed its welcome on my credit file, surpassing the permissible duration according to consumer laws, and should have been removed by now. 

Regarding the XXXXXXXX XXXX  account, I've disputed its authenticity and requested XXXX to provide any documentation linking me to it, but nothing has been forthcoming. 

Furthermore, accounts settled and paid should not linger on my credit file beyond the stipulated timeframe set by consumer laws, including the XXXX XXXX XXXX account.
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 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I did not authorize Synchrony Bank to run my credit. I told them that I would pay in full out of my own pocket
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Payday loan

I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.
Product: Checking or savings account

Hello, The problem I have is with Chase Bank - Chase.com. 

I have a checking and a credit card with Chase bank On XX/XX/2019 I submitted a one time payment online, using chase bank application, of XXXX $ - the payment was towards chase credit card Chase by mistake or by their application issue charged my checking account 2 times of XXXX . Therefore i can see that XXXX $ was taken away from my chase checking account. 

But checking credit card processed and received only 1 payment of XXXX . So I lost XXXX $ ( 2 times of XXXX $ ) from my checking account and credit processed only one XXXX . Therefore Chase bank stole second XXXX $ from my checking account I'm calling chase bank daily regarding this issue, spend 5+ hrs on a call with chase bank, went to a chase branch, talked to at least 5 managers, sent at least 7 emails to chase bank Everyone I spoke to from the chase bank can see and they agree that XXXX $ disappeared from my checking account, they agree that bank somehow charged XXXX $ by mistake and those money has to be back, BUT none from chase bank helped to return XXXX $ back to checking. They keep directing me to debit card department, debit calling credit, credit finger pointing back to debit, managers pointing back to debit, credit, claim department, claim department telling its not a fraud and they can not help. I spent a week trying to return stolen by chase bank money and Chase bank did NOTHING to help so far other than finger pointing to its different departments
Product: Student loan

XXXX XXXX reported to the IRS on XXXX for XXXX that I paid {$1300.00}. The amount of interest payments I actually paid in XXXX was : {$4700.00}. 

I reached out to resolve the tax information issue multiple times in early XXXX until the tax filing deadline. I was told on XX/XX/XXXX via email ( see attached ) that it will be corrected in the next XXXX XXXX. I filed my XXXX tax return only reporting {$1300.00} in interest paid hoping XXXX XXXX would resolve the deficiency. 

It did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX  ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX