23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When checking my credit report it became apparent there was an old XXXX cell phone bill that apparently hadn't been paid and I had NEVER been notified about. I contacted XXXX directly and paid them, as they were the original creditor. I then contacted the collection agency attempting to collect the debt and asked them to update their records and delete the account from my credit report, as they have no collection authority on a non-existent debt. They refused to comply or even give me any information about how to contact a higher up in the organization. I was simply hung up on more than once.
Product: Debt collection

Dear CFPB, I am writing to formally notify that XXXX XXXX XXXX has violated as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all forms of disclosure of my personal information. This includes any consent I may have previously given, whether written, verbal, implied, or otherwise.

Pursuant to 15 U.S.C. 6802, I hereby revoke any prior authorization and request that [ Company Name ] cease any further sharing or use of my personal information with third parties.

15 U S C 1681 ( Permissible Purpose ) 15 U S C 6805 Privacy Act of 1974 16 CR 313 16 CFR 433.3 17 CFR 424 Certificate of indebtedness which i was told was income could not be reported also it goes along wit 1099c Cancelation of Debt, between that and recovering from covid pandemic my Mental heath roof.
Product: Debt collection

In XX/XX/2018 I started getting phone calls from numbers I did not know, mentioning XXXX  XXXX and " actions '' they would have to take if I didn't call them back. I did not answer because I thought they were scam phone calls. 

In XX/XX/XXXX I was notified that my credit score had gone down, so I checked it, and saw a delinquent account on it. The account shows up as : XXXX/XXXX  # : XXXX XXXX XXXX XXXX XXXX , OH XXXX It appears to have been opened XX/XX/2018 and now has an unpaid balance of {$730.00}. 

I filed an investigation with XXXX XXXX, and they completed the investigation but the results were " VERIFIED AS ACCURATE AND UPDATED. '' I did not open this account and I need it to stop ruining my credit score - which used to be pretty good. I've never had a late payment or delinquent account so this stands out as pretty suspicious on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has put a missed payment on my credit reports. I was never billed for anything and I have a XXXX balance on both of my accounts with them. My authorized user had her card stolen/lost in XX/XX/2022. We filed a police report and notified XXXX XXXX. New cards were issued. I have had a ZERO balance on both accounts and paid the annual fee in XX/XX/2022 ( {$39.00} ). I don't even use these cards. They are old and help my credit " age ''. I've never really had any problems with XXXX XXXX- until now. 
Six months later, they are saying I have a " missed payment '' ( that was never due and never ever appeared for me to pay! ). They dinged my credit reports on XXXX and it tanked my credit. I am furious. I don't even know what this charge is and it hit my reports. Why?? Did they not close out my account correctly and those are fees or fraud from that stolen/lost card? This needs fixed. Extremely shoddy business practices. Ruining credit for NO REASON. OUTRAGEOUS.
Product: Payday loan, title loan, or personal loan

I was approved for a loan of {$2200.00} on XX/XX/23. I connected the application to my bank account ( by using MY bank log in info ). I received an email from Integra later that night stating that the funds had been sent to my bank. Saturday XX/XX/23 I still had not received the funds and contacted integra customer support. The support agent asked me to verify my information starting with my account number. She told me the numbers I was reading off were completely incorrect and that she would need to send to have the funds returned by the bank and I would have to provide a bank statement. I attempted to tell her that I was sure the account connected to my accounts because amounts in the accounts and everything were the same. It was also determined during that call that I had unknowingly applied using my maiden name. Im guessing this occurred due to me applying through XXXX XXXX which I had no clue had not updated my married name in the ten years I was married. On XXXX XXXX you have to update this manually I learned! Monday XX/XX/23 I spoke with integra again and since they had not received the funds I contacted my bank via their app messaging feature. It was determined by a bank representative that the money was being sent back due to my last name not matching my account. The account number was correct. I received a couple of emails from integra the next morning and thought I would just need to provide my bank statement and drivers license. The only info that was different on the new application was my last name. They even had my social security number. Easily could have been verified that I was in fact who I was saying I was. Called customer service to reapply XX/XX/23. SECOND application was denied! But they ran my credit again! I want either the inquiries removed or my loan since this loan was for emergency car repairs and to pay off an old loan that I thought my ex spouse had taken care of. I didnt read the complaints on XXXX  just looked at the rating, lesson learned.
Product: Money transfer, virtual currency, or money service

This is the 4th attempt I am making to recover my wire transfer that was done on XX/XX/XXXX, for {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX account. I was told that the customer does not exist no more. I now believe Capital One does not want to return my money. 
Please refer to complaint : 1. XXXX 2. XXXX 3. XXXX My bank XXXX tried to reach the XXXX  on this letter and so do I. No one picks up the phone. XXXX XXXX the data to CFPB tracking Number XXXX that you have received it on XXXX XX/XX/XXXX. 

In the 3rd reply from Capital One bank, they have asked the XXXX letter in a certain format that XXXX has provided it two different times. I am requesting Capital One should give me one person that I can deal with the issues to come to a solution. 

I also need a functioning number that my bank and I can talk to. 
Please see all attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with SUNBIT since XXXX 2022 in regards to two accounts showing on my credit report. I have tried disputing this with them directly to get it removed pursuant 15 USC 1681b ( a ) ( 2 ). There is no law that states SUNBIT is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give SUNBIT or its affiliates written permission to furnish a consumer report. These accounts have put a negative look on my credit report and is affecting my reputation as a federally protected consumer.

Additionally, 15 USC 1681 ( 602 ) of the FCRA states, " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. SUBITS 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). In order for SUNBIT to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.
Product: Debt collection

Hi, Portfolio Recovery Associates, XXXX Claims they have sent me letters for a debt I owned 2 years ago. I never received any communication for them informing me of this debt. No mail no phone call no nothing from them. A few days ago I received a notification from XXXX XXXX stating that my credit had dropped by 28 points due to Portfolio. Once I logged in I saw Portfolio and I got very confused cause I've never heard of this business before and neither have I ever spoken to them. I'm extremely upset about this because Portfolio didn't even notify me of this matter and I got attacked on credit score for it. I had to call myself to verify what the debt is about and what the debt is once my credit report got updated. I had to be the one to reach out to figure out what the report on my credit score was. One we figured out I settled the account and I paid it off and now it's all clear and settled but it's still showing on my credit report. It's a closed matter but for whatever reason they still didn't updated my credit. 

I tried contacting the company all day and no response and no pick up. I left an email with all the info for the payment that has been made and hopefully I'll get to hear about it then but I doubt it cause this seems to be a pattern with portfolio not just with me but other clients who I have read negative reviews on different reporting sites. I want this payment and the closed matter updated on my credit score especially since they are totally messed up for not even notifying me of this debt. 

I only found out about this debt in XX/XX/XXXX and it's XX/XX/XXXX now and It's already paid off and we settled it. I was on top of this and I need them to be on top of this also. I called last week to ask to speak to a manager and I asked him why I've never received communication about the debt weather its phone or mail and he couldn't ' even answer me as to why that happened and went to on to continue talking about totally something else disregarding whatever I had asked. I will be visiting legal options for this fraudulent activity. I do believe creditors need to notify you as soon as the debt is owned by them and I've never received such notification from Portfolio. 

I want my credit report to be updated since I have paid the full amount we settled all at once and this account is now closed. The final payment has been made. Debt creditors usually buy debts for pennies for dollar and they still don't do things right now. I didn't even receive an apology for never notifying me and they couldn't give me an expiation as to why this happened. I reach a bunch of reviews online from different costumers experiencing the same issue. 

THE BALANCE AS BEEN PAID OFF IN MY END AND I WANT THIS REMOVED FROM MY CREDIT ASAP. THIS DEBT IS PAID OFF. UPDATE MY CREDIT RIGHT AWAY THIS MATTER IS CLOSED AND SETTLED.
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to a fair and accurate credit report upon reviewing my latest credit reports I see that there have been multiple accounts and inquiries reported in my name that I didnt authorize nor were aware about I am XXXX havent had credit in XXXX years please remove the following credit cards and inquiries below ASAP Accounts Opened : XXXX XXXX XXXX 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: Debt collection

Debt collector called this morning on behalf of barclays bank delaware. 

( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for XXXX minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Vehicle loan or lease

I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

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

I was offered a settlement amount on my account in which I paid full. I requested that the company update the account ti paid and delete the account from my credit report. They refuse to do so even after the money had been taken from my account. I disputed the incorrect information on my account and instead of deleting it they added several late payments to the account and are now stating I am past due over XXXX dollars which is the remaining amount they said I would not be responsible for. As a consumer this is hurting my credit profile and they are doing this intentionally. I want this account removed from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # XXXX has violating my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1981 Section 604A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have attempted at least 3 times and spent over 45 minutes to get a card for my husband as an authorized user. Customer service sent me to the fraud department. After the fraud dept cleared me the sent me back to customer service and the same process was repeated with customer service. This went on over the phone. The last time l spoke to the Fraud department and they wanted to transfer me, l asked the gentleman to stay on the phone to intervene after explaining to him what was happening. He did not. 

We just got this card and have not used it. What a disgrace.
Product: Debt collection

This company ( Synerprise Consulting SE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.