23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY is located XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company has obtained my personal information without my legal consent. I sent a letter requesting PORTFOLIO RECOVERY to provide related documents like, details pertaining the furnishers, proof of documents bearing my signature between Portfolio Recovery and myself. what was the amount paid for this debt? Is Porfolio Recovery licensed to collect in the state of Texas. I am requesting information in connection with my total indebtedness to this alleged debt. please investigate this company.Due to this company 's unethical practices it has cause damage to my credit report and credit worthiness to sustain a living. I am demanding to delete and remove
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX XXXX account number XXXX with balance of {$550.00}, Account Name XXXX XXXX account number XXXX with balance of {$1000.00}, Account Name XXXX account number XXXX with balance of $ XXXXhas violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and, I seek appropriate redress for these violations.
Product: Credit card

Dear XXXX XXXX XXXX, XXXX ; APPLE CARD - GS BANK ; Please kindly see the attachment! I am writing to seek your urgent assistance regarding a significant issue with my credit report. After reviewing my report with my loan officer, I discovered that my account was marked as late for XXXX, XXXX, and XX/XX/year>. This seems to be an error, as I settled my bill in full, totaling {$3200.00}, in XX/XX/year>, and requested that the account be closed immediately. 

I recently ( TODAY ) contacted your customer service team to address this issue. During a call a few minutes ago, a representative confirmed that the account was indeed closed and that there is no remaining balance. They assured me that an immediate request would be submitted to remove the late payments from my credit report. I am following up with this email as advised to ensure that the correction is processed without delay. 

The erroneous late payments are causing significant distress and could jeopardize my home purchase, as my loan officer indicated that these marks are adversely affecting my credit score. Given our positive history, I am confident that we can resolve this matter swiftly and prevent further complications. 

( APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX, PA XXXX ( XXXX ) XXXX )
Product: Debt collection

XXXX XXXX Account XXXX On XX/XX/2019, A company shown as CREDIT CORP SOLUTIONS was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of Non Authorized Inquiries on my credit XXXX   XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ;  XXXX XXXXL XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX  XXXX XXXX Balance : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXBalance : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breech. I was never promptly notified as required by law, with detailed information on what data was compromised. Need all information on my credit report removed within 30 days According to 15 USC 1681 XXXX XXXX XXXX
Product: Vehicle loan or lease

I am filing a complaint against XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX  failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with my GAP information sent in to pay off the loan due to the loss. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Payday loan, title loan, personal loan, or advance loan

I went to the Credit Fresh client portal yesterday and paid off my debt. This morning, Credit Fresh charged me the regular recurring payment. I contacted them, and they stated that the current balance on my portal showed the amount deducted from the upcoming payment on XXXX, XXXX, 2024, today. 
I explained to the Credit Fresh representative that I was not expecting another charge from them after I believed I had paid my debt in full. Additionally, I explained to them that my XXXX payment might bounce back because I did not expect it. The Credit Fresh representative stated that interest rates and bounce-back fees would be charged. 

To conclude, the total balance amount in the client portal was not accurate, and now, in addition to the high interest rate paid, I have to pay fees for the returned payment. Clients have the right to see live information in their client 's portals to avoid overcharges.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times with no solution for the error code they give when i request my credit report. According to Equifax i do not have any credit history. I have a mortgage for the last 11 years, a new auto loan, several credit cards and a XXXX score with XXXX and XXXX. 
I get an XXXX  error message from Equifax and they do not have any idea how to fix the issue. They said none of my lenders report to them which in nonsense. They have costed me XXXX  of dollars each month in auto loan payment because of their error due to the terrible rates i an offered. 
There is multiple examples of this error affecting people online but they are clueless on how to fix it. 
I can not even get my free annual credit report from Equifax. No issues with XXXX and XXXX.
Product: Debt collection

On XX/XX/year>, I sent a certified Debt Validation Letter to National Recovery Agency regarding a medical debt they are reporting on my credit report. USPS tracking confirms they received and signed for the letter on XX/XX/year>. As of XX/XX/year>, they have failed to respond or provide any form of validation. 

In addition to violating the FDCPA by continuing to report this account without proper validation, they are now also in violation of the CFPBs updated rule effective XX/XX/year>, which prohibits the inclusion of medical debts on consumer credit reports. Despite this policy change, the account is still being reported, damaging my credit profile and violating federal law.
Product: Debt collection

Portfolio Recovery has been reporting a collections account with the XXXX bureaus for quite come time without my attention. To my recollection, I have never been contacted about this debt - with validation or to pay. I recently sent them a letter on XXXX XXXX for verification of debt. PRA did not respond within 30 days, therefore, I sent a letter to all XXXX bureaus PLUS PRA on XXXX XXXX to delete the account due to no verification of debt/no response within 30 days. PRA is now re-reporting the collection on my account as of the most recent check on XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, UT XXXX Subject : Request for 1099-C Form for Charged-Off Account Dear Synchrony Bank, I am writing regarding my account with your institution, which was charged off as a loss on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. My understanding is that when a debt is charged off and considered uncollectible, XXXX XXXX  may issue a Form 1099-C, Cancellation of Debt, to the account holder and report it to the IRS if the amount forgiven meets reporting thresholds.

To date, I have not received a 1099-C form related to this account. If my account qualifies for cancellation of debt reporting, I kindly request that you send me the Form 1099-C at your earliest convenience. If this debt does not meet the criteria for issuance of a 1099-C, I would appreciate written confirmation for my records. 

To assist you in locating my account, here are the details : Name on Account : XXXX XXXX Date of Charge-Off : XX/XX/XXXX Sold to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) If additional information is required to process my request, please contact me directly at XXXX I appreciate your prompt attention to this matter, as it is important for my financial and tax records. 

Thank you for your time and assistance. 

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

THIS IS A FOLLOW COMPLAINT. Under federal law, you have 30 days to complete your reinvestigation but still no response. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I received a letter from Sentry Credit claiming I had debt owed to XXXX 's and that they were going to seek a judgment against me. I do not have a XXXX 's account. I called XXXX 's on XX/XX/21 to confirm that no one opened an account in my name or under my SSN. I checked my credit report on XX/XX/21 to confirm no one opened an account under my name or sought do to a credit check.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, AMOUNT {$440.00} has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor. DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX XXXX****
Product: Debt collection

On XX/XX/2020 at XXXX XXXX  ( ETZ XXXX I received another debt collection call from a collection agency representing Kohl 's for XXXX XXXX. I have a letter from Kohl 's to the CFPB about this very same debt incurred by XXXX XXXX XXXX not me ) dated XX/XX/2020 with XXXX XXXX represents Kohl 's and states that they will not contact me again, but because the debt is not mine and I do not have the account number or other information about XXXX XXXX XXXX XXXX XXXX like where he is that they can not assign my issue to any account. 

The XXXX  in that response from Kohl 's is that when they first started calling me about this debt it was Kohl 's collection team and I spoke with a nice collection manager. I explained that I have seen/heard from XXXX in over 20 years and because he terrorized me my entire childhood and XXXX  me for one year at XXXX years old ; I won't ever see/hear from him again. I did not know where he was nor did I care to. That Kohl 's Manager was mortified at what she heard and said she was adding notes on the account and I would never be contacted again. 

The collections was handed to a debt collection company and I was contacted. After much ordeal I finally got to a member of the senior management team and told them the same thing. They again promised I would never be contacted. Kolh 's sent the debt to a different collection company and again I was called. Each time I've called Kohl 's leadership team and yelled and explained the same and I've been verbally promised I would not hear from any collectors again. I filed with the CFPB against the collection company. One to two months and yet another different collection company and this time when I filed with the CFPB I added Kohl 's to the filing and I received the letter dates XX/XX/2020. My response to the poorly caring response from Kohl 's and XXXX was that if they contact me again I will SUE the XXXX XXXX XXXX  * out of Kohl 's. 

Today I received another collection call from Kohl 's. I don't know how much XXXX XXXX owes and I don't care ; but I warned Kohl 's and the CFPB that if I continue to get harassed over a debt that isn't mine I will take action. 

CFPB - this is directly breaking several regulations that you have against collection companies and the fact that you refused to push/fine Kohl 's for breaking regulations show you to be complicit in their illegal and fraudulent behaviors. You need to take action and fine companies when they continue to break regulations and if you won't ; then why are you in place. Times are changing - change or get out of the way!
Product: Checking or savings account

XX/XX/year> filed out complaint for money getting stolen from me. They reimbursed the most of the disputes but on XX/XX/year> they closed the account and stated I wouldnt get a refund for the XXXX to XXXX I had in my account nor would they give me back lovey I had in a credit builder account which is XXXX dollars. They are just going to take my XXXX dollars and not give me any reason why they are taking my money. 
This is chime with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Goldman Sachs 's AppleCard. Is it a scam? In the number of times that I've applied for this card, the application comes back declined due to ineligibility. I've read the eligibility requirements and found that I've met eligibility requirements the whole time to apply and reapply if I believed there was an error. Then it gives me another denial reason of, " you've applied a number of times and we can not verify your information at this time. '' I've talked with their customer service representatives just to have them state previous reasons for denial, different from the reasons I receive on my end. I ask them if they needed my assistance in verifying information required in order to possibly receive a more favorable decision, they said it has something to do with the way the information is presented on my application. My application is prefilled for me through my phone 's memory and do not see any mistakes so how am I ineligible or unverifiable when my credit is better than it was upon prior approval? Credit score is XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with an unwelcoming and unruly phone SantanderConsumerUSA Agent named XXXX ( ID # XXXX ) who first rudely told me that a change date request mistake could not be reversed in the system. I requested for it to be escalated to a manager whom I never spoke with.