23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Demand for Immediate Deletion of Debt Reporting and Notice of Intent to Sue Dear Portfolio Recovery Associates , LLC, I am writing to address significant issues related to your attempt to validate the alleged debt with account number ending in XXXX. After reviewing your response, I have identified several critical omissions in the documentation provided, rendering your claim insufficient under the Fair Debt Collection Practices Act ( FDCPA ). The following information was either missing or inadequate : 1. Original Contract or Agreement You have failed to provide a copy of the original contract or agreement bearing my signature, which would substantiate my agreement to the alleged debt. Without this, I can not verify any obligation to repay the claimed amount. 

2. Complete Payment History The provided documentation does not include a comprehensive payment history from the original creditor, XXXXXXXX XXXX XXXX, which would detail account activity and substantiate the balance. This omission violates the FDCPA requirement to provide accurate records for debt validation. 

3. Itemized Statement of the Debt There is no itemized breakdown of the balance, including principal, interest, fees, or other charges. Such information is critical to determining the accuracy of the debt and any additional charges you may be attempting to claim. 

4. Proof of Licensure to Collect in Texas Your validation lacks evidence that Portfolio Recovery Associates holds the appropriate licensure or authorization to collect debts in Texas, as required by state law. Until such proof is provided, I have no reason to believe that your agency has the legal right to pursue this debt. 

5. Previous Lawsuit Dismissal You previously sued me regarding this same debt, and the court dismissed the case due to your failure to appear. Your ongoing attempts to report this debt, despite the courts dismissal, may constitute bad faith and harassment, which are actionable under the FDCPA. 

Demand for Immediate Action I am formally requesting that you : Cease all collection activities related to this debt, including reporting it to credit bureaus. 
Immediately remove any negative information related to this debt from my credit reports, as you have failed to provide sufficient validation and documentation. 
Notice of Intent to Sue If Portfolio Recovery Associates fails to comply with these requests within 30 days, I will initiate legal proceedings under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). This legal action may include claims for statutory and actual damages for continued violations of my rights, as well as any attorney fees incurred. 

Please consider this letter your final notice to resolve this matter amicably by removing all references to this debt from my credit report. I trust that you will comply with your legal obligations promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

I have an all cash offer to pay my PHH mortgage in full and I asked for an extension of the foreclosure sale date due to title issues. My mother, deceased in 2012 was still on title.

I also provided PHH all the documentation requested PRIOR to the foreclosure sale date which were : - Proof of funds in escrow - Sales contract And they still refused to extend the foreclosure sale date. So I also filed bankruptcy to stop the sale and buy time, and they still sold the house to a third party and are now having to rescind the sale. 

This is the fourth complaint I have filed against this unscrupulous mortgage company. I am a XXXX yo XXXX woman on dialysis trying to realize the generational wealth my parents left me and these people are doing their best to prevent that from happening. 

I need time to handle the title issue and have retained an attorney to do that. My cash investor is willing to wait until we can go through expedited probate. 

PHH will get their money.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting the late open account on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments promptly. I am asking for your help to correct or remove these accounts in my credit file : XXXX XXXX Balance : {$100000.00}.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review.
Product: Bank account or service

Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.
Product: Debt collection

lvnv funding XXXX XXXX XXXX XXXX XX/XX/2024 dispute no reply account paid
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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} XXXXBANKRUPTCYDISCHARGEXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy  ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, Equifax, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for Equifax or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, Equifax, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Debt collection

I HAVE A RENTAL BLOCK FOR APARTMENT THAT NEVER LIVED IB. IT WAS DELETED FROM CREDIT BUREAS BUT COLLECTION COMPANT nATIONAL CREDIT SYSTEM STILL TRYING TO COLLECT AND HAVE A RENTAL BLOCK ON MY HISTORY.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer as part of a home buying process for $ XXXX on XX/XX/XXXX, there were no questions asking about what type of account it was. I was informed on XX/XX/XXXX that Marcus by Goldman Sachs did not transfer out to Trust accounts- this makes no sense as they do wire to external escrow/title companies on a case by case basis. This initially delayed the process. I was then forced to change the type of account at my receiving bank. 

I initiated another wire transfer on Tuesday XX/XX/XXXX at XXXX XXXX. This was after the wire cut off time and was informed that the wire would be processed next day but may take 1-3 business days. I asked that the wire be expedited and was told that it could not be. I noted that this was very time sensitive and we needed the funds transferred over to meet the close date for our mortgage closing process for a new home. I followed up the next day after the transfer did not complete and asked what could be done, and the representative escalated to a manager to expedite, I was told it was through the first verification and would be ready. I called to check in this morning at XXXX EST to check and re-iterated that in order to meet close, I needed them to verify the wire transfer this morning ( Thursday ) - they said it had not in fact been verified. They had no way of contacting the department in charge of verification and no updates beyond that the wire was in queue. I was told to call in in an hour to check. I called multiple times today and there was no change and no insight into what stage of the process it was in. The wire has still not transferred. In fact the bank 's notes incorrectly said that I told them that I needed funds by Friday - I told them no fewer than 6 times in the last 3 days that I HAD to have the funds by Thursday AM. Understood that they say 1-3 business days, but the communication has been poor and there is no accountability about how to manage the wire process and intercept and escalate if there are issues. We are now going into the third business day, which essentially means the expediting was meaningless. We have now missed the deadline for our close of escrow. Everyone felt bad for me but they were powerless to do anything. 

Generally speaking as a commercial bank Marcus by Goldman has failed in my eyes. My money is held hostage as it clears wire transfer timing, the rules behind where you can/ca n't wire to are not clearly articulated- especially at time of wire which I did OVER THE PHONE, and we missed close and there was no accountability.
Product: Debt collection

This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the bureau about an open investigation about some inaccuracies on my credit report, they still not giving an answer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Commenity Bank Express is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate 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: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit card or prepaid card

During my application process as part of getting it I sent a XXXX dollar deposit to the company first progress. The amount was charged and taken by the company and I have never received my card. When I looked the application it needed a copy of my driver 's license which was expired XX/XX/XXXX because I needed to renew it but because of covid-19 closing the DMV in my area I can't get it renewed. So since it's expired the company denied my application but never returned my deposit and I still don't have my card. I futher more want to cancel my application and want me {$300.00} returned. There is no contact number or option on their website to fix the problem..
Product: Debt collection

I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  SC XXXX. HAS AN ACCOUNT THAT HAS BEEN ON MY CREDIT ACCOUNT SINCE XX/XX/2016 IN THE AMOUNT OF {$1400.00}. I HAVE DISPUTED THIS AND IT YET REMAINS UNINVESTIGATED AND UNCHANGED.
Product: Checking or savings account

Fraud Case number : XXXX Accounts ending in : XXXX XXXX XXXX XXXX XXXX XXXX  Ph no. XXXX To whom it may concern.

I am writing to request a reissue of funds for the violations on my past Wells Fargo Bank accounts.

In the case of Consumer Financial Protection Bureau vs Wells Fargo Bank.

Violations : - Illegal use of identity - Illegal use of bank accounts- Unauthorized product enrollment - Hinderance of financial opportunities - Misuse of public trust - Potential credit score impact - Emotional distress and pain and suffering.
I am requesting the amount of {$50000.00} USD to be reissued to me XXXX XXXX XXXX in the form of a check sent to my address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Thank you, Respectfully submitted.
Product: Money transfer, virtual currency, or money service

PayPal has decided to hold my fund that where originally disputed by the person who did the transaction. This matter was closed in my favor and PayPal still doesnt want to release my funds which Im depending on these funds to pay my rent this month. Can you please assist me on getting my funds I already beat the case and PayPal has no reason as to why to hold my funds for 180 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.
Product: Debt collection

I noticed on my credit report that this company added a collection debt on my 3 credit bureau credit reports. I sent them a debt validation letter within 30 days on XX/XX/2021. They have not gotten back to me and have not verified the debt. Due to this, the item must be removed from my credit reports immediately.