23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving harassing letters in the mail from a company by the name of  Portfolio Recovery Associates, LLC  demanding that I pay them for a debt that is not mine. I have seen this company on all three credit reports (  XXXX ,  XXXX , and  XXXX  ) I have DISPUTED with the bureaus by sending certified letters to each  one a sking the credit bureau and company asking for proof/valididty/andverification ; because I am not aware of EVER doing business with this company. I ha ve YET to get an y proof or signature or contract ; because there is no contract. I have disputed all of these accounts twice ; first attempt was  XX/XX/XXXX , second attempt was XX/XX/XXXX  After further research the second complaint I have is they will not validate the " debt ' they claim I owe to them. I did NOT sign a contract with this company and have never identified as such " debt '' with them. Next complaint, they are not licensed to collect in the state of Arkansas. The original company has been paid and my account has been closed with them. I have no relation ship with this company Portfolio Recovery Associates, LLC. Iv e never spoken with a representative and have neve r signed one singl e piece of paper or verified any information regarding my identity to them. As of  XXXX  I have sent out certified letters asking the company to cease and desist from contacting me or I will persue legal action ; as it is my right. This complaint with CFPB is my first step, and then legal action will follow. I have rights as a human being, a n American citizen and as a consum er and these companies are taking advantage of people whose debt does not belong to them and has already been paid. The company they claim they are on behalf of has told me I do not owe them a debt and the account is closed.  Portfolio Recovery Associates, LLC h as done inquiries on my credit without asking me and without permission ; this is a VIOLATION of my privacy and personal information that I DID NOT give them access to. I have NEVER given this company my social security number or spoken with anyone giving permission to run the credit report this is FRAUD! I have copies of the following inquiries placed without my permission Dates are as follows :  XXXX  :   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ....  XXXX : XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ...  XXXX  : ill have to research but there is about  XXXX  on there as well. This company is illegally pursuing debt collection and it is not fair to the common people.
Product: Mortgage

My Primary mortgage XXXX, that has been the subject of previous communications has been foreclosed, or more precisely the foreclosure sale date has been set for XXXX XXXX, 2015. 
I applied for the NC Foreclosure Prevention Fund, for the MPP. The sale date was stayed. In XXXX, I was notified by MPP, that my application was removed for consideration, so the foreclosure sale date was set for XXXX XXXX, 2015. 
I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and Transunion ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Product: Credit card

Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from Equifax and XXXX on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XX/XX/23. On XX/XX/23 I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XX/XX/23. I called back today XX/XX/23 to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past 3 or 4 months trying to correct this. The supervisor at Equifax was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by Equifax and XXXX.
Product: Debt collection

THIS debt recently appeared into my credit files. 
This debt may have been re-aged This debt is unrecognizable/ unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a fraudulent membership tied to my social security number. I've been trying to resolve this issue for over a year. I sent them documentation ( state issued ID, social security card, utility bill, and written request ) to reset the membership to Consumer Info XXXX XXXX XXXX XXXX XXXX XXXXXXXX as requested twice. Most recently on XX/XX/2023 via XXXX certified mail, which is showing as delivered. Subsequent calls to customer service to check in leads to being hung up on. Ticket XXXX XXXX
Product: Debt collection

FULL AMOUNT WAS PAID, AND DEBT COLLECTION COMPANY LISTED AS SETTLED FOR LESS : AMOUNT DUE WAS XXXX AND XXXX WAS PAID. But When I see the account statement where it shows I paid it only shows I paid XXXX. I dont know where the other {$310.00} went?
Product: Debt collection

The violations committed fall under various sections of the US Consumer Protection Law, and here is the detailed information regarding each infringement : 1. **False or Misleading Representations ( 15 U.S. Code 1692e ) : ** - Violation : Pressler , Felt & Warshaw , LLP falsely represented themselves as a debt collector in their communication on XX/XX/2023 and XX/XX/2023. This goes against Section ( 3 ) of 15 U.S. Code 1692e. 


2. **Communication in Connection with Debt Collection ( 15 U.S. Code 1692c ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated about collecting a debt by mail for the amount of {$2200.00}, violating Section ( a ) of 15 U.S. Code 1692c on the following dates : XX/XX/2023 and XX/XX/2023. 


3. **Permissible Purpose of Consumer Reports and False or Misleading Representations ( 15 U.S. Code 1681b, 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 6 ) ) : ** - Violation : On XX/XX/2023, Pressler , Felt & Warshaw , LLP performed an unauthorized inquiry to the credit report provided by XXXX. This constitutes a violation of Sections ( 2 ) of 15 U.S. Code 1681b, ( 10 ) of 15 U.S. Code 1692e, and 15 U.S. Code 1692e ( 6 ).

4. ** Acquisition of Location Information ( 15 U.S. Code 1692B ( 2 ) ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated that the consumer owed a debt by mail for the amount of {$2200.00}, violating Section ( 2 ) of 15 U.S. Code 1692B on the following dates : XX/XX/2023 and XX/XX/2023.
Product: Debt collection

I checked my credit report this morning XX/XX/XXXX and notice a derogatory account on my credit. 

Looking further I noticed it was from Amsher Collections agency. I have no idea of this debt or what it pertains to. They never contacted me regarding the debt via phone, or email, or mail. Which fails to meet the guidelines of the CFPB. 

I never got a notice and they are falsely accusing me of having this account, without ever giving me the means to pay it off or settle the debt if it were mine. This is unjustly accusing me of the debt without my legal due process taking place. 

My name is XXXX XXXX, Address is XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX Phone is : XXXX
Product: Debt collection

Student Advocates as well as equitable acceptance took money and did not pay on student loans. Stated that monthly payments were service fees. I spoke to federal student loan advisors and they stated that companies like this take money and never pay. I am now dealing directly with XXXX. and paying student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high 700 's. 
Thank You Kindly!
Product: Mortgage

My mortgage dashboard online portal with M & T Bank stopped working in XX/XX/XXXX. I am able to log into the M & T Online Banking page, but I get an error message when I try to access my mortgage account information. I have attached the error message to this email. I have tried accessing my mortgage dashboard on XXXX different laptops ( XXXX and XXXX ). I have tried accessing my mortgage dashboard on various internet browsers ( XXXX, XXXX, and XXXX ). I have tried accessing my mortgage dashboard on my laptop both on WiFi and on VPN. I have tried accessing my mortgage dashboard through my cell phone 's web browser ( XXXX  ) and through the M & T mobile app. I have tried accessing my mortgage dashboard through WiFI on my cell phone and through my cell phone 's data. I have also tried clearing my cookies and cache before every attempt to view the mortgage dashboard. Nothing has worked. 

Because I am not able to access my mortgage dashboard, I am unable to make payments online, set up automatic payments, view my mortgage information, or access my mortgage tax documents. I have called M & T Bank twice a month since the problem occurred and have been on the phone with a representative for XXXX minutes to an hour each time. There have been at least XXXX or XXXX called placed to M & T from XX/XX/XXXX to XX/XX/XXXX. Every time I call, the representative takes down the same information that I provided on the prior call and says that they will " escalate '' the issue and have someone follow up with me. None of the representatives I speak to have notes of any of the information that I provided on the last call, so I waste a lot of time going through the situation over and over again. Even though each representative tells me they are opening a ticket and escalating the issue, there is never documentation of a ticket the next time I call. To date, I have not received ANY calls, emails, or correspondence from M & T Bank to resolve this issue. All of the follow up calls have been initiated on my part. The calls have caused me to miss work ( so that I can call during operating hours of the bank ) and the inability to use the online portal puts me at risk of missing a payment or making a late payment. The most recent calls I have placed to M & T Bank were on XX/XX/XXXX at XXXX ( XXXX mins duration ) and on XX/XX/XXXX at XXXX ( XXXX mins duration ). In both of those calls, the representative told me that I would receive a call back from M & T to resolve the issue. I have not received any call backs. I am also not able to view my tax documents, which will cause a delay in my tax filing if left unresolved.
Product: Debt collection

XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the XXXX XXXX XXXX collection agency to prevent any negative remarks from being reported to Credit Bureaus. The XXXX XXXX  XXXX collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX XXXX  business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the XXXX XXXX   XXXX collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



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

l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), ( inquiry : XXXXXXXX XXXX XXXX ), ( inquiry : eXXXX XXXX XXXX XXXX ), ( Accont : Prestige Financial Auto ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
Product: Money transfer, virtual currency, or money service

XXXX XXXX is misleading and doing fraud say that I old him {$300.00} I never authorize or agree for that loan and they sold the debt collection to national credit adjuster I have contacted both parties and they both asked me for a copy of my ID and Social Security and proof of residence. I sent it to them and they just said everything is verifying. and thats a lie because on XX/XX/XXXX of XXXX. I never applied for a loan at speedy cash. And then it says XX/XX/XXXXXXXX Everything is up to date. So yes, theyre scamming me and the doing fraud I asked him for a copy of the contract and I never received anything back this collections ask hurt my credit and myself and hurts me financially due to higher interest that I have to pay you to their mistake and there being scammers.
Product: Mortgage

The problem is that someone else used my physical property description on their FHA Partial Claim mortgage. The FHA mortgage was given to the borrower on XX/XX/2022. The borrower signed on XX/XX/2022. The property description attached WAS NOT to his property, but listed the physical description to my property ( which is in a different county ). It appears that the borrower 's original mortgage has been transferred to another company and I reached out to the new company- with no resolution. Please note, this problem was identified when I tried to refinance my own mortgage to make some home improvements. Both my mortgage and title companies have reached out to HUD and the current mortgage company for the borrower and have gotten no answers/assistance/resolution. This has been going on for months- and we keep getting the runaround. We need this title issue fixed immediately as it is currently showing a HUD lien on MY property- which is incorrect. 

**Note : a copy of the borrower 's FHA Partial Claim mortgage is too large for me to attach to this online complaint, but I do have it should it be needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.
Product: Mortgage

I've called to update escrow account withdraw amount due to change in property taxes, XXXX bank refused to update the withdraw amount for future payments until XXXX, 2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to this company on or around XX/XX/20, and XX/XX/20. XX/XX/20 results came back that the company verified the information was correct with XXXX and or US Bankruptcy Court of Florida. XXXX I resubmitted a dispute letter with proof that the verification didn't actually take place as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court of Florida has disclosed they do not report or verify to any credit reporting agency.
Product: Debt collection

I do not recall all of the dates. However, Ive requested for the last 4-6 months that this company please stop calling my sons phone. 

The persons of interest that are being asked for. ( XXXX XXXX ) Ive informed that I dont know who they are, Ive never heard of them, and I am not them. 

This particular phone call a lot of regulations were broken. I do not know your companies rules. But there are federal, state laws, and regulations and procedures that have to be followed. 

I am fed up with how this call even went. The agent was very rude after I told her that she was calling my XXXX yr olds phone. I didnt appreciate it, at all. Then to question me after I told her that it was my sons phone number. She said I didnt give a yes or no answer. Um, excuse me I pay this phone bill. I clearly said no that wasnt who I was and she continued on. I dont handle business this way. It was completely unprofessional. the agents id number XXXX. 

She went back and forth with me. At this point I have told this company multiple times that it was a XXXX yr olds phone. I asked for her employee Id. She gave it to me, but I needed to get something to write it down. She argued with me that she already gave it to me. 

I then requested a manager XXXX XXXX, which came on the phone. I explained to her, but quite frankly Im sick of my son getting these calls. Secondly, I asked the manager for the agents id number she said she couldnt give that. Now thats a refusal. As a manager how do you refuse that information. I didnt ask for her full name. As matter of fact I do not recall asking for her name. I asked for her id number. 
I do not know what your company is used to dealing with. I know the laws, and I am not stupid. 

I do not want his number on an automated dialer and I didnt want manual calls. 

So, with all of that being said. I will contact an attorney for harassment unless you have something else to offer for a resolution. Making sure his telephone number is off. Was the first resolution. It wasnt taken care of after the first request. So now, you guys can come up with a resolution that is meaningful. 

Have a great evening, Portfolio Recovery Assc.