23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a collection account reported by **Portfolio Recovery Associates ( PRA ) ** on my credit report, originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the **Fair Debt Collection Practices Act ( FDCPA 809 ) ** and **Fair Credit Reporting Act ( FCRA 609 & 611 ) **, I request verification, including proof of debt ownership, a signed agreement, a balance breakdown, and legal collection rights.

Additionally, **Portfolio Recovery Associates sued me in court without providing proper notice**, resulting in a **default judgment** against me. I was unaware of the lawsuit and was not given the opportunity to defend myself, violating my due process rights under the **Fair Debt Collection Practices Act ( FDCPA 807 ( 2 ) ( A ) ) ** and **Federal Rules of Civil Procedure Rule 4** ( requiring proper service of legal documents ). 

I request an investigation into this matter and a full validation of the debt, including court records of service and notification. If Portfolio Recovery can not provide verifiable proof within **30 days**, I request removal of this collection from my credit report per **FCRA 611**. Additionally, I request a review of the default judgment due to improper legal notice.
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. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I've never lived at these addresses listed above. 15 U.S.Code 1681 Section 602 A. States I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, CashApp 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: Checking or savings account

SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone XXXX
Product: Student loan

I am having a few issues with Navient regarding my student loans. 

1. I keep track of my payments and every time I go back in to pay extra amounts towards my loan the loan balance has gone up.

2. They will not allow me to pay all extra payments towards my principal balance.

3. After paying off a few loans in full, they dropped my payment amount without any notification they were doing so. I've called several times to ask them to keep it at the original payment amount and they continue to not change it automatically.

I also want to know if I was affected by the Navient lawsuit where payments were being mishandled and incorrect steps were taken to help borrows get out of debt faster.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XXXX XXXX of XXXX, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX equifax and XXXX regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX . 
XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX  XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, AND EXPERIAN ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681 b 2 - ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b 4. 15 US Code 1681 a 2 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Student loan

Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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: Checking or savings account

On XX/XX/XXXX a company by the name of XXXX XXXX withdrew {$230.00} from my account without my permission. I put in the claim dispute with USAA. They went ahead and opened an investigation and never asked me for any of my paperwork or my statement instead they accepted the merchants paperwork and deemed the investigation closed and allowed them to withdraw the money. I have asked on multiple occasion since XX/XX/XXXX to speak to a supervisor to go over the paperwork provided by the merchant and as of today XX/XX/XXXX that request continues to be ignored. I have told them I havent done business with that merchant since XX/XX/2021. I asked them to confirm through their updater system if thats how the merchant was able to charge the new card and that request has been denied and rejected. I told them I didnt even receive whatever XXXX  the merchant is claiming to have shipped and I just want them to do proper investigation. Unfortunately I have gotten no help at all even though Ive spoken to multiple representatives and Im just being ignored. I told them at this point I would need to file a complaint with the CFPB because no one is willing to help me out with this fraud on my account and the last representative by the name of XXXX just said go ahead then.
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus by notarized certified receipt mail requesting that the XXXXXXXX XXXX XXXXXXXX account be removed, as well as the DISCOVER BANK account # XXXX, from my credit report being that they are not my accounts. My XXXX credit report is showing that the XXXX account is 9 years and 7 months old, and the DISCOVER BANK account is 30 years and 7 months old. 

I have been a victim of identity theft on the XXXX XXXX and that information is reflected across all three credit reporting websites. The information does not reflect my credit use or history, and I am absolutely pleading with your company to have the information corrected and removed from my credit report immediately. I would greatly appreciate your help because it has been more than two years and I'm still very eager to have these items removed. Please, and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FAILED TO RE-INSERT MY ACCOUNTS BACK ON XXXX.
Product: Debt collection

For nearly six months I attempted to gain access to my online account. Was unable to fir quite some time. A check was mailed in liu of the debt. The check only covered late fees every month causing my debt to be overdrawn simply because I could not get a hold of someone so I could make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
Product: Credit reporting

probably XXXX 6 years ago the credit bureau said I owed money on a capitol one credit card. I have never had a capitol one credit card also they said I had a XXXX credit card which I purchased a computer. I have n't signed up for a credit card thru XXXX. I have n't had a computer for probably XXXX or 7 years
Product: Mortgage

This is XXXX XXXX I am struggling right now to make my house payment sense the COVID 19 we have been on short time not getting overtime at work not even working a full week now and soon we might be laying off. I got a letter from my mortgage XXXX saying I owed for XXXX and XXXX in the amount of XXXX that amount includes XXXX late charges and XXXX in other fees as noted. They said partial payments would be returned!! They said they were trying to help me but how when they are still charging me late fees?
Product: Credit card or prepaid card

My neither, sister and I received {$100.00} XXXX  gift cards for XXXX from our grandmother. The cards were sealed in the packaging and required activation. 

Upon activating, all three cards ( which were mailed to us to separate addresses ) had pending activity prior to activation. One card was completely cashed out. All three had initial transactions at XXXX XXXX, a store we'd never heard of, for XXXX. This was before we ever received them. We also found out another relative, in another state, had also their XXXX gift card maxed out before they ever used it. 

I called XXXX, the number on the card, to alert them and cancel the charge. They stated they couldn't do anything with a pending charge, were very rude ( making remarks about how it was only XXXX on my card ] and when I asked how a sealed card could have charges prior to receipt or activitation, I was told that they don't have a way to know that and that there was no one to escalate my complaint to in order to avoid future fraudulent charges or scams with their product. I was also concerned that any remaining balances are now compromised. The agent offered to cancel my card. I asked to confirm that I would just lose my money if I cancel, and she said yes. That is an unacceptable response to a fraud concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage is held by Carrington Mortgage Services in California. Have had many problems. Filed a complaint 2 years ago. Still no resolution y et CMS contin ues to harass me and is trying to foreclose on my house. See attached complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have an old XXXX XXXX account that's been current on payments since XX/XX/XXXX, but keeps showing severely late. I've already addressed this issue directly with XXXX XXXX   and they advised that the problem isn't on their end but how the credit bureaus are showing my payment history. Instead of noting the arrears as a past open account with current payments the bureaus are reflecting an old account with severely late payments from XX/XX/XXXX to current date ( XX/XX/XXXX ). I've attempted several times to address this with the bureaus to note the account and payments correctly. However, it is still not corrected. I have copies of pay stubs showing these payments on time set on auto deduction. Why is this still not updated? The bureaus all need to get on the same page and update how they view and notate XXXX XXXX payments!!!
Product: Credit card

XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX XXXX XXXX XXXX CA - {$20.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX NV Services {$4500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX CA Services {$20.00} XX/XX/XXXX SQ XXXX XXXX XXXX OH Merchandise {$4500.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$18000.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$440.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$440.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$2500.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$5000.00} XX/XX/XXXX RETURNED XXXX XXXX {$2500.00} XX/XX/XXXX RETURNED XXXX XXXX {$5000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$35.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$50.00} XX/XX/XXXX RETURNED XXXX XXXX {$35.00} XX/XX/XXXX RETURNED XXXX XXXX {$50.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXX XXXX. 
DATE PAYMENTS AND CREDITS AMOUNT FEES FOR THIS PERIOD AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX CASHBACK BONUS STATEMENT CREDIT - {$210.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX RETURNED INTERNET PMT {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$200.00} XX/XX/XXXX TRANS. 
DATE PAYMENTS AND CREDITS AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX, XXXX  and Transunion, since XX/XX/2020 about this collection account on my report. I have not received a response and the account has not been deleted from my credit report. I believe a failure to investigate inaccurate items on my credit report allow for them to be immediately removed. Please assist me in this matter so that i do not have to file for litigation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX, Equifax and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX, Transunion, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.