23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started a Closed Corporation in XX/XX/XXXX and closed it XX/XX/XXXX. In XX/XX/XXXX I saw on XXXX that PORTFOLIO RECOVERY ASSOCIATES , LLC, was filing suit against me personally, for XXXX  XXXX, instead of them having my Closed Corporation in the court documents, they had it as an LLC. Which was False and the court documents had a few other False statements. I check with CFPB website and saw that in XXXX of XXXX, CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. Repeat offender : PORTFOLIO RECOVERY ASSOCIATES , LLC, was at it again. I sent PORTFOLIO RECOVERY ASSOCIATES , LLC, a Cease & Desist LTR-Cap 1 and a copy to the Judge too. I checked on XXXX the day before court and saw that the case was Dismissed by PORTFOLIO RECOVERY ASSOCIATES , LLC and to not contact me again or I would send my information to CFPB. Well they did and wanted me to fill out a Hardship Case. So here I am, on CFPB filing a complaint on PORTFOLIO RECOVERY ASSOCIATES , LLC who is a REPEAT OFFENDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding TransUnion credit reporting agency, for over a year now, I have called their Dispute department repeatedly, submitted on-line disputes into their system directly, and have written to their CEO directly as recently as XX/XX/XXXX, pleading that they update my Chapter XXXX Reorganization status from FILED to DISCHARGED. 

I am suffering from a low FICO score - this impacts my job prospects and lending underwriting. I was a victim of HOA abuse and banking illegal foreclosure which resulted in my Chapter XXXX Reorganization filing in XX/XX/XXXX, upon the advice of counsel, to protect my estate. It has taken me five ( 5 ) years to improve my credit - I am now over XXXX. Yet, TransUnion is interfering with my healing and recovery - continuing the abuse and violations I have suffered. 

As a result of their overt negligent mismanagement of my credit file, even considering all the opportunities I gave them to fix my record, I was just declined for a vehicle loan as a result of my TransUnion credit report. The dealer specifically called out that the Bankruptcy was listed as FILED which was the cause. Even when I gave the dealer a copy of the courts Final Decree - Case Closed, same as I gave the TransUnion, they were adamant that they must go by the credit report BK status, even if it 's incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of interviewing for a new job and all three bureuas have that I left my current job in XX/XX/2021 which i did not!!!
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Problem am having with Capital one auto finance is they are threatening me and sending threatening letters to my address. I do not owe this company and nor Have I done any business with them. Nor have I signed any documents with them. They need to stop Harassing me. This company has No proof or documents of me signing anything.
Product: Checking or savings account

Hey i been Banking with US bank for some months and this been around XX/XX/2023 and i been getting money i worked for threw that account so they seen the money i worked for coming in on the regular now they want to close it because im a hard-working person and i get money come in legitimate way.
Product: Checking or savings account

On XX/XX/XXXX my card was charged the following international transactions fraudulently : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX
Product: Debt collection

On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XX/XX/XXXX for an account that has been paid and closed since XX/XX/XXXX.It was a manufactured home that i paid off and sold in XX/XX/XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XX/XX/XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.
Product: Mortgage

I've had to file numerous complaints regarding the same issue with my mortgage company saying I'm more than 30 days late yet I have receipts showing my loan is paid on time every month. Most of last year and now this year again. How many complaints am I going to have to file before something is FINALLY done??????? 

I have a reporter from XXXX XXXX on standby ready to come to my house to get to the bottom of this issue.
Product: Credit card or prepaid card

I bought an item at Best Buy Stores, and it was 0 % interest for one year. I have very good relationship with Best Buy Stores at XXXX CA XXXX. 
For some reason, I usually get a notification letter or email from Best Buy credit card financial services within 2months, notifying me of my promotion that getting expired. I have been very sick and for this reason, I made a direct withdrawal payment process from account, since I have ran into situations that I don't get my statements from Best Buy credit card company. 
Now, I did never got my statements and did never, never got courtesy reminder letter or email, like I use to, from Best Buy credit card company to alert me of upcoming promotion that will be ending soon, especially with the good relationship I have with this company. 
But to my greatest surprise and shock was that I got an email from Best buy to notify me of applying interest amount to my balance. I called to discuss the issue with services, appealing to have me pay off the balance immediately and to reverse high interest that applied to my account. Also, explained my devastating health issues and challenges. The lady I spoke refused to understand or help out. 
I, requested to speak with the Supervisor and explained the above situations and again, she declined to assist to work out something, even though I appealed and requested to pay off the entire owned on the XXXX and that I never received any courtesy reminder letter as I used to, like I used to. But, it seemed like a clear game and intentional act to avoid notifying or sending a courtesy letter, to enable them apply the high interest to my account. 
Please, I am appealing to Best Buy financial services that I have no source of paying this high interest. My devastating health situations had forced me to loose my full time job and actually struggling financially, physically, emotionally, inorder to make both ends meet. Please, I appeal for to reverse this extra charges and give me the opportunity to pay off the entire amount owed immediately, please that is all I ask for, please. Thank you so much for your cooperation and understanding on this case.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged 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  Listed below are the Collections that are being challengeXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX Dear, I agree to pay the following financial obligation regarding account number in XXXX which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please block this information from my credit report within 4 days pursuant to section 605c of the fair credit reporting act
Product: Student loan

This will be my fourth or fifth complaint with this company. Every issue I bring up its we are unable to help you at this time. But when my account was inaccurate on their part it was an easy fix. I have reached out to both the CFPB and the XXXX  multiple times. This is the only service provider that refuses to remove the late payments from my credit after giving them information about why I was unable to make my payments on time. 

As mentioned in my previous complaint, on XX/XX/2024 I suffered a XXXX  which landed me in the hospital for XXXX days. After XXXX surgeries, I was okay to go home but would be out of work for the next XXXX weeks. My mental, physical and emotional health took such a hit that I contemplated XXXX XXXX XXXX XXXX Once I went back to work I was put on a modified work schedule. I knew I would need another XXXX in a few months. Fast forward to XX/XX/2024 I underwent my XXXX XXXX and was out of work for XXXX weeks ( I had to go back early for financial reasons ). 

I am not asking for forgiveness but to remove all late payments from all XXXX of my loans so that I can refinance and have an easier monthly payment. The last information I was given was that Firstmark Services is not the same thing as Firstmark Services Trust ( which I find hard to believe ). All information searched doesnt display that there is even a trust. 

( There is also a medical journal article about my surgery that I am willing to share with corporate and any other medical information needed. )
Product: Bank account or service

I signed up for a Citi Bank checking account. There was a promotional offer of : Deposit {$15000.00} for XXXX days, then after the XXXX days allow up to XXXX days and a {$400.00} bonus would be deposited into your account. I complied with all the requirements and this has been confirmed by Citi Bank. XX/XX/XXXX I should have had the {$400.00} bonus credited to my account. It has not. I have contacted Citi Bank and they claim they have opened an investigation, but I have not received the bonus or explanation why. I have seen online other that have experienced similar issues with this Citi Bank bonus offer. Thank you. 

XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I sent the loan companies home office a message requesting to be placed on a {$10.00} a month payment plan due to extended closures of businesses from covid19/coronavirus outbreaks after I contacted the loan company by phone to setup the minimum payment of {$10.00} that I could/can afford to pay without any penalties during a time of the Worldwide epidemic virus outbreak. 
On XX/XX/2020, XX/XX/2020, and XX/XX/2020, my payments to the loan company of {$10.00} as scheduled were either paid in office, left in the night drop, or sent by USPS on time and the company still chose to contact me to collect for more and/or send a notice of payment due after excepting my minimum payment arrangement up until my account is paid in full. 
On XX/XX/2020, the loan company sent me a notice of delinquent account options that I picked up at my mailing address on on XX/XX/2020 to contact them and that court costs and attorney fees in the filing of lawsuit and garnishments usually exceeds {$300.00}.
Product: Credit reporting or other personal consumer reports

i made a payment arrangement and the account was bought current.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am the XXXX XXXX XXXX for my XXXX mother. She wants to close her Discover card ; however, when I've contacted them, they have told us that the account can't be closed because there is a credit balance of {$230.00} on the account. We have contacted them repeatedly over several months, and though they claim they will send a check, they do not/have not. When we contact them about this, they tell us the same thing again -- that we can't close the account because there is a credit balance, yet they will not send the money. We believe this is a puposful attempt to hold her money so they can collect interest on it.
Product: Debt collection

I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!
Product: Checking or savings account

I am a victim of job fraud. I applied for a job on the job posting called XXXX for a " Receptionist '' at XXXX XXXX XXXX. On XX/XX/XXXX, the job listing texted me a interview questionnaire to complete with a series of questions and information on my job capabilities and job task/requirements/benefits. I completed the interview questionnaire and received a confirmation that I had got the job on XXXX XXXXXX/XX/XXXX at XXXX. They sent me the link to their official website and explained to me procedures and task to get started. They said that in order for me to get the work at home equipment, that they would send me a cashier check through XXXX tracking system and I were to purchase their equipment from one of their 107 affiliate vendors. On XX/XX/XXXX, I received the cashier 's check and was told to deposit the check for the work at home equipment. I went to my bank and deposited the check. I walked out and my mom called. I told her what I was doing and she explained that these are red flags for job listing. I looked up on XXXX " job fraud signs '' and one of signs was cashier check. I called my bank XXXX immediately after I deposited the check and explained to them that I am a victim of job fraud and I believe the check is fraud as well. They said okay and that the would let their check department know. 2 days later after the incident and I took a look at my account ; it was closed with out any notification from the bank.