23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phoenix Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barred Debt  The above account was reported on my credit report as delinquent to XXXX and identified as opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Phoenix Recovery that applicable to reporting to credit bureaus and collecting payments, I had made a determination that this debt is outside the statute of limitations of Section XXXX of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is FOUR YEARS and the debt was not mine. Per the Statue Phoenix Recovery is mandated to remove this account from my credit report immediately. 

DETAILS ABOUT AUTHORITY TO COLLECT THIS DEBT. 

Dear Phoenix Recovery Group I demand this debt be removed from my credit report per Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. 

I am requesting this removal be remedied expeditiously. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 {$1500.00} was unauthorized charges they refuse to refund my money after making a quick decision they closed my account XX/XX/2022 after i reported to them a dispute unfair deceptive practices fastest investigation they have done. 
15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1644 - Fraudulent use of credit cards ; penalties 029. FRAUDULENT PRESENTMENT AND RELATED UNAUTHORIZED CREDIT CARD TRANSACTIONS MADE BY ACCESS DEVICE18 U.S.C. 1029 ( A ) ( 7 ) 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM.

4A-204. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER.
Product: Consumer Loan

I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.
Product: Debt collection

Portfolio Recovery Associates is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this. Theyve added a collection to your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. XXXX failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ). 
XXXX. XXXX failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

DAMAGES XXXX. As a result of XXXX actions, Plaintiff has suffered : a. Harm to their credit reputation and score.

b. Emotional distress and frustration.

c. Denial or unfavorable terms on credit applications.

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : 1. Actual damages in an amount to be determined at trial.

2. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

3. Punitive damages for willful noncompliance.

4. Attorneys fees and costs.

5. Any further relief the Court deems just and proper.
Product: Credit card

HELLO MY NAME IS XXXX XXXX MY SAKS FIRST CARD BY CAPITAL ONE BANK HAS BEEN USED WITH FRAUD CHARGES ON THEM. THE CREDITOR IS NOT DOING ANYTHING ABOUT IT AND NOW MY BILL IS XXXX BECAUSE THEY ARE TRYING TO HOLD ME RE4LIABLE FOR THESE FRAUD CHARGES. XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; THESE CHARGES WERE NOT MADE BY ME I DID NOT EVEN HAVE MY CARD IT WAS LOST/STOLEN AND FRAUD CHARGES WERE MADE I BARELY RECEIVED MY CARD XXXX WEEKS AGO FROM THE MERCHANT. THE MERCHANT IS REFUSING TO HELP ME THEY ARE NOT EVEN TAKIN THIS COMPLAINT OR ANY OTHER COMPLAINT SERIOUSLY. AND SAYING THE COMPLAINT WAS NOT FILED BY ME AND SOMEONE ELSE BUT IT IS ME I AM TIERED OF TRYING TO GET MY FRAUD FUNDS CREDITED BACK TO ME. I REALLY NEED HELP SO THEY CAN TAKE IT SERIOUS AS THEY ARE NOT AND THEY ARE NOT HELPING.
Product: Credit card

Received a {$50.00} minimum interest charge after completely paying off my statement XXXX  months in a row and making XXXX purchases on the card. That is XXXX  month in a row they refuse to help or provide information I ask for. The only logical conclusion for the most recent charge is retaliation for my recent complaints. I was left with no choice but to cancel the card I have had over a decade because I cant think of any other way to get Citi to stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX XXXX  is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ; 60 days past due ; Open date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


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. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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: Checking or savings account

So I had a chase bank account witch got XXXX down back in XXXX they banned me after someone stole my bank card and took my money Im Ohio XXXX I asked them To return my money they did now they reversed it and apparently I owe them Money they dont want to copper with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming I am not who I say I am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. XXXX XXXX XXXX ACCT # XXXX & Experian did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), I circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX they took me to court I won was dismissed in court and I've disputed it with all the court paperwork showing this count was disputed and I won it's in my favor I'm disputed it a few times with XXXX and Equifax but it just seems like they're not caring and they're not fixing anything they're taking their side over a court order it's a {$5.00}, XXXX XXXX XXXX there shouldn't even be showing on my credit report any longer it was dismissed an open court I sent the credit reporting agencies paperwork and they still refuse to fix it
Product: Debt collection

Convergent XXXXutsourcing INC XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing INC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arro-gated paperwork intrusion upon the XXXX XXXX. Courts require your contract for ju-risdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Product: Checking or savings account

To whom it may concern, On XX/XX/XXXX I opened a new checking and savings account in person at citizens bank located at XXXX XXXX XXXX, XXXX, PA XXXX. These accounts were opened with a promotional bonus being offered for a total of {$600.00} US dollars in accordance to the fine print limiting the account ( s ) to maintain a {$15000.00} minimum savings and enrolled in {$500.00} direct deposits. I took a photograph of the agreement and have met the requirements. This information has been confirmed at the local branch I had opened the accounts. It also states the bonuses will be paid on XX/XX/XXXX if the account is in good standing and have met the requirements. This I have done. I brought my complaint to the attention of the local branch to the employee who originally opened these accounts with my promotion on XX/XX/XXXX ( approximate date ) It was determined I should have been deposited the {$600.00} bonus from citizens bank. She had corresponded with citizens bank corporate marketing department. It was agreed I would be paid the {$600.00} on XX/XX/XXXX. I had asked because of the error to match my interest rate of my other bank ( XXXX ) 3.75 %. Neither my full bonus or my interest rate request was given on XX/XX/XXXX. On XX/XX/XXXX I was only given {$300.00} and no change in my interest rate matching my other bank ( 3.75 % ). I called again citizens bank my local branch and spoke again with the same employee who opened the accounts. She acknowledged in her conversations internally with citizen bank they agreed to pay me {$600.00} in a deposit to my account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : 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: Credit reporting, credit repair services, or other personal consumer reports

I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX 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 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
Product: Credit reporting or other personal consumer reports

The collection company put a collection on my account. I had canceled my former ( XXXX  ) insurance.I had purchased car insurance with another company XXXX XXXX and Now I currently have XXXX XXXX. I emailed copies of my XXXX  cards. And my policy. XXXX emailed me saying I owe a {$0.00} balance .But the collection company is trying to charge me and they put it on my credit. {$750.00}
Product: Mortgage

I have been attempting to end my COVID-19 Forbearance plan with my Mortgage company, Flagstar Bank XXXX for over a year. 
I requested a Loss Mitigation Application from Flagstar Bank in XX/XX/XXXX ; and received the application in the mail on XX/XX/XXXX. After completing the application I submitted all the necessary documents and application to Flagstar Bank Via fax on XX/XX/XXXX. I then received notification, Flagstar needed additional documentation. Although these 'additional ' documents were sent with the initial application Flagstar Bank suggested I upload the documents through the online portal to ensure it was not a fax error. 
I submitted all documents through the online portal on the Flagstar Bank website and was finally offered a " Disaster Modification Agreement '' to bring my loan current ; this was dated XX/XX/XXXX. Although I agreed to the terms of this Modification Agreement, I notified Flagstar Bank I there were errors in the legal documents that needed to be corrected prior to my signing, notarizing and fully executing the Modification Agreement. In XXXX, XXXX I received the same Modification Agreement ( with the same terms ) that was suppose to have the errors corrected ; however, there were no corrections made. I again notified Flagstar Bank of the errors and requested the corrected Modification Agreement. Finally, on XX/XX/XXXX @ XXXX XXXX I received the Corrected Modification Agreement. I signed, notarized and mailed back the fully executed documents in the XXXX  packaging slip that Flagstar had provided on XX/XX/XXXX. 
Upon follow-up of the process, it was explained to me there may be shipping delays due to COVID-19 delays that were being experienced in addition to the holiday season. I continued to wait for finalization of the process from Flagstar Bank. 
In XX/XX/XXXX, Flagstar Bank then advised me the XX/XX/XXXX Modification Agreement had been closed and I would have to complete the entire Loss Mitigation Application process again. When Flagstar sent me a new " Loan Modification Agreement '' dated XX/XX/XXXX, the terms were much different and the interest rates were much higher than the initial plan I agreed to in XX/XX/XXXX. Flagstar expressed there was nothing they could do to assist me and could not explain what happen to my XX/XX/XXXX agreement. 
As I was trying to escalate this issue with Flagstar Bank Supervisors, I received in the mail via XXXX on XX/XX/XXXX my copies of the XX/XX/XXXX Modification Agreement which was FULLY EXECUTED, signed and notarized by both myself and Flagstar ; in addition, the cover letter provided with my copy of these documents stated " Enclosed for your records is a copy of the fully executed Modification Agreement and/or Partial Claim Agreement '' and my COVID-19 forbearance was closed out.

Flagstar is now telling me, this XX/XX/XXXX letter and fully executed documents are not valid and I will go into foreclosure if I do not agree to the newly offered Agreement with higher interest rates.

I feel that Flagstar Banks errors have created substantial complication in addition to an increase of financial liability for me.
Product: Debt collection

In XX/XX/XXXX, I attended a XXXX XXXX XXXXL OF XXXX XXXX, XXXX. Prior to graduating, I received employment offers from numerous XXXX XXXX Companies and/or Carriers, who also, offered to tuition reimbursement. I eventually accepted and chose XXXX XXXX XXXX XXXX. 
However, On XX/XX/XXXX, my birthday, another driver exited his vehicle without setting the brakes and his tractor and trailer rolled down and struck my tractor trailer while I was in the sleeper. As a result, I suffered a head and neck injury and underwent 2 steroids injections in my neck. I filed a workers comp, and hours after receiving my steroid injections, XXXX XXXX instructed me to drive to take a New Hire drug screening test. ( although they knew that my doctor instructed for me not to return to work until days later and to not drive and ect. ) The day that I was instructed to return to work from my surgical procedure, XXXX XXXX terminated my employment. ( 2 days later after my injections ) Long story short, I filed with Osha, and XXXX   Workers Comp. XXXX XXXX , XXXX denied my claim for Workers Comp, claiming that XXXX  had jurisdiction over the claim, although I reside in XXXX, the accident happened in and I was a dedicated driver in XXXX. 
XXXX XXXX XXXX XXXX stopped paying for my Student Loan, and now my loan is being reported as a charged off account with credit reporting bureaus. 
Later I confirmed, that XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX , XXXX Pathfinder Credit Services , Inc is not a party to the student loan agreement. 
Pathfinder Credit Services , Inc., is not registered and/or bonded as required by XXXX FINANCE CODE 392.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Checkr , Inc. for reporting inaccurate and outdated information in my background check, which has negatively impacted my ability to work for companies such as XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. 

Upon reviewing my background check report, I discovered that Checkr included false information, which does not reflect my actual record. The errors include : I filed a formal dispute with Checkr, requesting that they correct these errors and provide updated reports to the companies relying on them. However, they failed to correct the inaccuracies or adequately investigate the issue within the required timeframe.

I am requesting that the CFPB take immediate action to : 1. Require Checkr to re-investigate and correct the inaccurate information.

2. Ensure Checkr notifies all companies that received the incorrect report ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. ) with the updated information.

3. Mandate the permanent removal of outdated or incorrect data from my report.

4. Hold Checkr accountable for non-compliance with FCRA regulations.

Checkrs failure to maintain accurate records has prevented me from earning a living. I request the CFPB to intervene and enforce my rights under the law. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 Digits ) : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter.
Product: Bank account or service

I have been charged overdraft fees for purchases that were made when I had necessary funds in my account. I checked my account activity after each transaction and it showed I had money after each purchase. XXXX I only made one purchase without sufficient funds but I have been charged for more overdraft though.
Product: Credit card or prepaid card

XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!
Product: Credit reporting, credit repair services, or other personal consumer reports

Evening!! I currently have an OPEN DISPUTE with TRANS UNION LLC! This is the second time since XXXX I have had issues with Trans Union! I am currently disputing false and inaccurate information on my credit report and I have mailed off multiple letters! These people have constantly been sending me the same letter over and over! Stating they need more identification to confirm who I am. I send my Drivers Licenses, Proof Of Mail, & the mail is an Utility bill! Also I send off my SS card! Everything in 4K clear! This is OUTRAGEOUS! I DO NOT have to legally tell you that I have hired a credit repair company that is not your business. I am highly upset at this matter and I demand to have this taken care of immediately! I will be following up with legal advice upon this matter. Proof is provided below! XX/XX/XXXX! I would put my OPEN complaint in this but Im sure you guys can find it. These Credit Bureaus do not care about our consumer rights & this is 100 % Recorded TRUTH!