23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rent recovery Solutions is reporting a debt to the credit bureaus in which I do not owe. I do not have a contract with this company and have never done business with this company. 

On XX/XX/XXXX I sent Rent Recovery Solutions a debt validation letter to investigate this debt in which they responded on XX/XX/XXXX with a printout of charges of {$750.00} from an apartment complex " Peachtree Landing '' from XXXX. 

The letter with the printout of charges doesn't have my signature nor the signature of the person that created the letter " XXXX XXXX '' and said charges. I never knew anything regarding these frivolous charges. 

I also asked for a Consumer Signed Contract between myself and Rent Recovery Solutions, any judgment that they have against me, why they think I owe them money. I never received any of that. 

I called XXXX XXXX and asked to speak with XXXX XXXX and was told she no longer worked for the company as of XX/XX/XXXX. 

I spoke to the manager at XXXX XXXX and asked her to verify the debt. I was told by the manager that they could not verify the debt as the property was sold to a new owner as of XX/XX/XXXX. The new owner of the XXXX is The XXXX XXXX. 

I called XXXX Landing again and spoke with the Assistant manager XXXX and asked her if she could verify the debt and was told the same thing that they couldn't verify the debt and I do not owe them any money. 

I called the former owner XXXX XXXX XXXX and spoke to someone in both their New York and XXXX office. I asked them if they could verify the debt and provide me with documents of said debt. Both offices stated that they could not verify the debt nor provide me with any documentation of debt due to not owning the property anymore. I was told that XXXX XXXX XXXX does not own any interest in XXXX XXXX. 

After investigating this matter myself I sent Rent Recovery Solutions a followup letter on XX/XX/XXXX asking them to delete this debt from my credit file as they did not do their due diligence and investigate. 

I also informed them that I contacted both companies in which neither company could verify the debt. In my letter, I asked Rent Recovery Solutions who do I supposedly owe money to if both The Harbor Group and XXXX XXXX XXXX are saying they can not verify the debt and I do not owe them. I never received a response back from Rent Recovery Solutions and they are still reporting this frivolous debt on my credit file.
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates due to their handling of a debt collection matter, which I believe has led to several violations of my rights under federal regulations. Specifically, I allege the following infractions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Portfolio Recovery Associates did not provide the requisite validation information for the debt they claim I owe. Despite my repeated requests, they have failed to supply the necessary details, such as the amount owed, the original creditor, and pertinent account numbers. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Portfolio Recovery Associates neglected to inform me of my right to dispute the debt within the mandated time frame. They did not adequately communicate my rights to contest the validity of the debt or to request verification, thereby obstructing my ability to exercise these rights.

3. Use of False, Misleading, and Deceptive Means : Portfolio Recovery Associates has employed deceptive practices in their attempts to collect the alleged debt. They have provided incorrect information about the debt and have used coercive tactics to pressure me into making payments without proper validation.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : Portfolio Recovery Associates has reported inaccurate and unverified information regarding this debt to consumer reporting agencies. This action has adversely affected my credit score and my ability to secure credit, despite the debt being neither validated nor properly substantiated. 

This debt is said to be opened in XXXX information is reported differently between all 3 credit bureaus. They are still not correcting their ways despite being sued. CFPB cracks down on Portfolio Recovery Associates with {$24.00} XXXX judgment By XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX POSTED IN CFPB, DEBT COLLECTION, REGULATORY AND ENFORCEMENT On XX/XX/XXXX, the CFPB filed a complaint and proposed judgment against Portfolio Recovery Associates , LLC ( PRA ), one of the largest debt collectors in the United States. If entered by the court, the proposed judgment would require PRA to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX to the CFPB as a civil penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account
Product: Credit card or prepaid card

Before I purchased round trip ticket on XXXX to XXXX from XXXX, I decided to take advantage of the promotion they were running which included XXXX bonus miles ( after spending {$2000.00} on purchases in the 1st 3 months account open ) AND, most importantly, {$250.00} statement credit " Enjoy a {$250.00} statement credit after your first purchase with the MileagePlus Explorer Card. If you make your first purchase today, your first purchase and statement credit will post on the same statement ''. 

I applied and was accepted and booked my flight on XX/XX/19. I just received my statement and the {$250.00} credit was not reflected so I called, twice. Their response was that marketing won't approve because I didn't go through the correct promotional online path. 

As a consumer, I don't decide what the path is. I printed out the promotion to be sure I had documentation of what the promotional offer was. They will not credit my account with the {$250.00}. I called Chase on XX/XX/XXXX and again on XX/XX/XXXX at XXXX XXXX ( CST ). Spoke with XXXX XXXX. I also sent an email to XXXX explaining the situation to see if they can help since it is their partnership with Chase. 

I am at a loss as to what to do next.
Product: Money transfers

Moneygram short changed the exchange rate on money sent to XXXX by almost XXXX dollars. I caught it because I had checked the exchange the day before. I have send money previously but never paid attention. If they are doing this routinely they are profiting enormously off of people who can least afford it.
Product: Payday loan, title loan, or personal loan

The problem is SELF advertises that they will report all payment activity to assistant consumers by raising their credit score by showing on-time payments, etc ... The problem is, I took out the loan and made at least 6-7 payments on time that have never been reported on any of my credit reports. I requested via their website to cancel the service, AND I spoke with a representative in their XXXX office. I was assured that the activity would be reported, and it still has not. I stopped making payments because I wasn't getting what I paid for nor what they advertised. I continue to get harassing emails about my loan being late.
Product: Debt collection

I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Nothing has been provided. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX $ XX/XX/year> 15 U.S.C. 1692c ( c ) refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) which states that a debt collector must cease further communication with a consumer if the consumer sends a written notice refusing to pay the debt or requesting the debt collector to stop contacting them regarding the debt ; essentially, it gives consumers the right to tell a debt collector to stop contacting them about a debt.
Product: Credit card

I have contacted them numerous times since XXXX, most recently in XXXX and XX/XX/XXXX, regarding my covered borrower status under the Military Lending Act ( MLA ). Despite my inquiries specifically about MLA, they initially ran an SCRA check and informed me that I did not qualify under the Servicemembers Civil Relief Act ( SCRA ) because I opened the account while on XXXX XXXX, even though I had not asked about SCRA. 

Then said I qualified for MLA and they would need to apply it. In fact on their website it states, " Credit must be acquired while on XXXX XXXX '' which it was and has been. 

Eventually, they conducted an MLA inquiry but denied my eligibility, claiming that my account, opened in XXXX, was not covered because MLA protections apply only to accounts opened after XX/XX/XXXX despite me being on XXXX XXXX in XXXX and currently still being on XXXX XXXX. However, when I consulted the U.S. XXXX Legal Assistance Office, I was informed that this interpretation is incorrect. According to the legal office, credit card companies were required to comply with MLA provisions for all relevant accounts starting from that period, regardless of when the account was originally opened. 

Additionally, I had no balance on the account until recently, which means all transactions I am being billed for likely occurred after XXXX. Any changes to terms or agreements made after that date should have been subject to MLA requirements. Despite this, American Express continues to refuse to comply with the law despite me informing them numerous times and for years of my status.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry That I know nothing about ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXXXXXX 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

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX Transunion reports the date the account was opened was XX/XX/XXXX where as XXXX  reports a date opened of XX/XX/XXXX ; XXXX  does report anything. 

Transunion reports the date last active was XX/XX/XXXX where as XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  dies report anything - XXXX AES - Account Number : XXXX Transunion reports the number of months in the loan to be XXXX whereas XXXX reports the number of months to be XXXX ; XXXX  reports nothing. 

Transunion reports the date last active to be XX/XX/XXXX whereas XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  reports nothing. 

XXXX  Reports that this account was 30 days late whereas Transunion and XXXX  reports nothing. 

XXXX  Reports that this account was 60 days late whereas Transunion and XXXX  reports nothing. 

XXXX Reports that this account was 90 days late whereas Transunion and XXXX  reports nothing.

XXXX Reports that this account was charged off ( CO ) whereas Transunion and XXXX reports nothing.
Product: Credit reporting or other personal consumer reports

XXXX You said : Write a short brief description about how XXXX, transunion and XXXX not looking into validating accounts in regards to the lawsuit XXXX said : XXXX XXXX, TransUnion, and XXXX, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : XXXX giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 XXXX, TransUnion, and XXXX, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability
Product: Debt collection

Report from the investigation shows fraud. I demand excerpts from the investigation proven the accuracy of the report.
Product: Debt collection

I am writing this letter due to the actions that Spring Oaks Capital has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Spring Oaks Capital, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Product: Mortgage

J.P. Morgan Chase is foreclosing on my property with an assignment that has been robo-signed and conveyed fraudulently, and refused to restructure the mortgage payment.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " XXXX XXXX XXXX XXXX  XXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions