23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing to file a complaint against Portfolio Recovery, a collection agency, for their alleged violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Portfolio Recovery has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Portfolio Recovery has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Portfolio Recovery has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit score and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ).

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Portfolio Recovery has failed to do so. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Portfolio Recovery accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

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

This account is not my account! this account was removed from my credit report in XXXX  when owned by XXXX This account has been purchased and illegally reinserted by Jeffereson Capital system acct # XXXX {$300.00} i am asking for a immediate removal of account,
Product: Credit reporting or other personal consumer reports

I sent personal information letters to the bureaus urging them to remove any personal information that is incorrect or inaccurate while providing the necessary documents. XXXX and Trans Union continues to report inaccurate names and an incorrect address on my report. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. 15 USC 1681 clearly states : It is policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy, security and confidentiality of its customers non public personal information. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

I open 360 savings accounts XXXX years ago for 4.3 % and they changed my interest rate to XXXX
Product: Debt collection

I sent a letter to BARCLAYS BANK DELAWARE letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and BARCLAYS BANK DELAWARE refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. BARCLAYS BANK DELAWARE provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX  beginning with XXXX 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. I did not give them 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: Debt collection

It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.
Product: Mortgage

I had a closing date on a property in XXXX. 
XXXX from Mino Lending gave me the closing costs, we spoke on the phone and I transferred the money. 
The day of closing the notary came, and for my surprise the closing cost changed for about {$4000.00}. I did not have the money and did not sign and lost the property. 

My broker has asked them to pay for the fees the seller is asking. They have not answer to us. I have contacted a lawyer as well.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

The funds in my capital one checking and savings account are not available due to a XXXX transfer of {$100.00}. 

The XXXX transfer was initiated on XX/XX/2024. I try explaining to capital one that the {$100.00} is not a business transaction. Unfortunately I was not aware that you can not use XXXX with capital one because it triggers a scam alert. 

Please guys help me out. Unfortunately I got all my funds with them and need to be able to access them as soon as possible in order to provide for my wife and kids. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and equifax are reporting an XXXX account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Product: Credit reporting

I recently requested an investigation on my credit report for XXXX separate items you 've come back on the XXXX and claim that you have verified that all XXXX belong to me which I find extremely odd considering that none of them belong to me the first XXXX is XXXX XXXX XXXX account number XXXX the second XXXX is XXXX account number XXXX how is it possible that you were able to verify that these accounts belong to me if you look at my credit report if you look at all three credit reports it is very clear that I was a victim of identity theft there are alerts and freezes on my credit report there are warnings about variations of my social security number being used there have been addresses that I have never lived at for example like XXXX XXXX where they have mailboxes that I do n't have XXXX at so of course they 're able to verify some basic information of course my name possibly the address things like this if the Criminal Who open these accounts did n't have the majority of the basic information he would n't have been able to open the accounts to begin with I mean there 's even been police reports filed and investigations I want a detailed explanation of how you came to the conclusion that these XXXX accounts belong to me I want to know all the identifying information that was used to verify these accounts because they do not belong to me they were open by someone else not myself and I am not liable the third account is the public record in XXXX Michigan case number XXXX this case is a little bit more complicated the credit card that sued me was for a furniture store once again the account was opened fraudulently XXXX XXXX the company everybody agrees at this point and the Judgment has been vacated this should not still be showing up on my credit report again if you have verifying information that it should I want a detailed explanation of everything that was provided to you by law I 'm entitled to this explanation if you 're unable to provide an explanation that I expect all XXXX of these accounts removed immediately they do not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. 1681b Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my Equifax credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXX XXXX  that I did not authorize or recognize. I have never had an account with XXXX XXXX XXXX, nor have I incurred any debt with them that would justify this collection entry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction withXXXX XXXX XXXX I believe this constitutes a violation of my rights under the FCRA. 

I respectfully request that Equifax take the following actions : 1. Remove the unauthorized collection account from my credit report.

2. Provide the name, address, and contact information of the entity that reported this collection.

3. Ensure that this unauthorized collection does not negatively impact my credit score. 

Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. 

If this matter is not resolved within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary.

Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Product: Credit card

Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date.
Product: Debt collection

I am a victim of identity theft and have submitted a FTC and Police report to the credit reporting agencies, who then forwarded the information over to Genesis Credit Management. Genesis Credit Management has been reporting WRONGFULLY and INACCURATLEY for 1 year. Genesis Credit continues to remove the account from my credit report and then place it back on with an even high balance. I have NO knowledge of this account and have NEVER lived in the state of Colorado. Genesis had REFUSED to acknowledge the information that has already been provided to them. Genesis continues to harass me asking for signature samples which is NOT mandatory when they have received a FTC Identity Theft Report AND a police report and Genesis has CONTINUED to harass me and cause me to be wrongfully denied for credit violating my rights as a consumer. I will be in contact with attorney to pursue genesis in the court of law if this isnt resolved.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the XXXX XXXX XXXX XXXX ( XXXX  ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the XXXX XXXX XXXX XXXX ( XXXX ). I have not been properly notified or officially communicated with by any members of XXXX in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of XXXX. 

The following article titled " Inside XXXX 's takeover of the XXXX XXXX  '', posted on XX/XX/XXXX and published by XXXX XXXX XXXX the access that the XXXX team was granted regarding files within the XXXX XXXX XXXX. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of XXXX who have been granted access within the XXXX XXXX XXXX XXXX email system, and provides additional details regarding XXXX XXXX 's access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the XXXX XXXX XXXX is being fed into artificial intelligence software by the XXXX commission. 
https : XXXX
Product: Credit card

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant XXXX, and I urgently request that you rectify this error by removing it from my account.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I've been having major problems with bank of america returning our funds.. I was diagnosed with XXXX back on XX/XX/year> by a XXXX neurologist. I was awarded critical illness insurance payment from XXXX on XX/XX/year>. On XX/XX/year> I Made my partner my Power of Attorney. On XX/XX/year> I transferred a portion to my bank of america checking account. I decided since the XXXX  disease is taking away the ability for me to move my arms and legs and cause speech impairment, to instruct my POA to make a series of withdrawals and open up her own Bank of America account and close my account. I also made a couple XXXX  transfers to her new account. 

The fraud department flagged her bank account as fraud and has been holding her checking account funds ever since. BOA also refused to let my POA close my account. We made visits and called the fraud department numerous times. We showed them the POA paperwork. We brought bank statements proving where the funds originated from. We also brought a letter from my doctor at XXXX for XXXX XXXX, explaining my condition. 

Bank of America says they will return the funds to my still active BOA account but still till this day, over a year and a half later, BOA still hasn't returned the funds. We are planning to make another in person visit to complain and demand our funds back, if we fail we will be forced to hire a lawyer which I really can't afford. 

If possible can you guys help? The XXXX disease has caused hardship and there are medical expenses. I'm quadriplegic now. Unfortunately the XXXX disease is very aggressive. We need our funds back. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I dispatched a letter last XX/XX/XXXX requesting the removal of the following items listed below that are UNKNOWN to me. Upon discovering this law today, I learned that as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any such items no later than 4 business days. I have previously referenced this in my complaint and I am reiterating it here. 
XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update.

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

Accounts : CITIBANK ACCOUNT NUMBER : XXXX CITIBANK ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX BXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}