23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal complaint against Portfolio Recovery : Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Collection Information Dear Consumer Financial Protection Bureau, I have reviewed my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), and I have not found any prior notification of this debt before it appeared on my credit report as a collection. According to the Fair Debt Collection Practices Act ( FDCPA ), section 809 ( a ), collection agencies are required to provide written notice of the debt within five days of the initial communication. Since I have not received any written communication from your agency, I am disputing this collection account. 

I am writing to file a formal complaint against Recovery Portfolio for egregious violations of my consumer rights as protected by the Consumer Protection Act. Portfolio Recovery placed a collection on my consumer file without issuing requisite notice and without notifying me of disputing this alleged debt.

I, hereby, declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights, according to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased may be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from all of my credit reports. 

The date on your consumer report indicating that I opened an account with Portfolio Recovery is blankly false. I never received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. I am disputing owing any and all debts to Portfolio Recovery. This information tarnishes my credit history and infringes upon my consumer rights. 

I am requesting debt validation. The purchase agreement between Portfolio Recovery and XXXX XXXX. I am also requesting proof that Portfolio Recovery is licensed and bonded. 

If any actions by Portfolio Recovery constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( I ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX ( XXXX ) ( a ), I am formally demanding the swift deletion of this collection from my credit report and I trust the Consumer Financial Protection Bureau XXXX XXXX investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention regarding this matter. 

Thank you. 

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

i have a hard inquiry on my XXXX report, i did not give my consent for them to check my credit. please remove
Product: Credit card

I have a Macys account and didnt get my last statement and there was a late charge that was waived. I'm sure now there will be interest charges as a result. I can not deal with calling Macys everytime i have an issue. Please close my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX as I advised XXXX that these are Fraudulent accounts XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX is being negligent in follow consumer laws and FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Experian 's failure to update my credit report to reflect the forgiveness of my student loans through XXXX. Despite submitting multiple disputes and providing documentation from XXXX and XXXX, Experian has not updated my account to show that my loans were fully paid and forgiven. 
Details of the dispute are as follows : Dispute Report Numbers : o XX/XX/year> - Report Number XXXX o XX/XX/year> - Report Number XXXX Loan Details : My federal student loans, totaling {$66000.00}, were forgiven as of XX/XX/year>. I have submitted all necessary documentation confirming this, including official records from XXXX and XXXX. 
Despite these efforts, Experian has failed to update my account to reflect the loan forgiveness. In contrast, the other XXXX credit bureaus promptly updated their records to show a XXXX balance on my loans.
Product: Mortgage

I got very sick with a XXXX XXXX and could no longer and then XXXX happened. Our funds were becoming very tight and our mortgage company offered a Forbearance, and said at the end of the Forbearance the amounts missed would go back into the loan and we would start our payments back up. Every time it was time for the Forbearance to end and payments to start up and I would ask about it, they continued to send me a loan modification packet and would continue my Forbearance. For the past year they have said that my Forbearance limit has been maxed, and thats completely fine but I have begged for my loan to be set back up on the payments as stated in the beginning but they have still continued sending a modification packet that says I dont qualify for a modification. Im not trying to get a modification Ive asked for a year for my payments to be set back up and an exit from the Forbearance as stated would happen. Now they are either Foreclosing XX/XX/XXXX, I have to pay a lump sum of {$18000.00}, or file bankruptcy to keep my home. Weve lived in our home for 20 years I cant lose my home. 
Our states attorney general is helping and she did get it reversed about 45 days ago and closed everything out and they started again. I just need our loan exited from the Forbearance so payments can resume back on track.
Product: Credit reporting or other personal consumer reports

SYNCB/JCP is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent XXXX and it is hurting my credit scores. This is violation of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX XXXX This should be immediately corrected and as such they should remove all late payment history from my account.
Product: Debt collection

I received a notification by USPS that Phoenix Financial acquired my account from XXXX XXXX XXXX, requesting payment of {$1200.00}. Unknown why since I have an active automatic payment plan with XXXX. On XX/XX/24 I went on XXXX website, set up a payment plan of {$24.00} per week ( the most spread out option avail ) via my XXXX XXXX. I am a XXXX XXXX XXXX  and am anticipating Spring Break & Summer recess, of which I do not work or receive an hourly salary, I will be collecting Unemployment, and can not afford the current arrangement. I went on Phoenix website to change my pay plan, theres no option. Nor is there an option to stop the same. On XX/XX/XXXX I called Phoenix & spoke to three different people ( XXXX, unk woman, XXXX XXXX. No one was able to change, delete, amend, access or anything to my account. XXXX disconnected me after 15 minutes, as well as # 2 lady after 3 mins, XXXX tried to help & after 15 mins tried to get a supervisor to no avail. # 4 person Supervisor XXXX did call me back & she also couldnt do ANYTHING. She said if the pay plan was done over the phone by them she would be able, but if its done via their online web then theres no way to change it! As her last resort effort she instructed me to change the credit card, and see if it gave me the option for a different pay plan. It didnt. She then said email them to cancel my payment plan so that I could start over, which I immediately did. That was at XXXX XXXX ; she was to call me back at XXXX but never did. Nothing has been changed or corrected AND this morning I received an email stating my next withdraw is pending. I feel this is deceptive practice and should be illegal for them to be financially entrapping me. I want it to stop so I can USPS a monthly check payment.
Product: Vehicle loan or lease

I have been with XXXX financial since XX/XX/2023. I use them to finance a new vehicle, and ever cents any time Ill do just about anything with the account whether its making a payment trying to deferred payment trying to get information they tack on ridiculous amounts of fees most recently I asked to defer my payment for XX/XX/2023 I have never missed a payment. In order for them to process the deferment request they demanded {$50.00} in fees and gave no explanation other than movement of the account as the reason for the fee. I have tried to refinance and have been unsuccessful and I am at my wits end dealing with these people.
Product: Debt collection

XXXX XXXX XXXX, a collection company, purchased my bad debt from XXXX XXXX, the original creditor on XX/XX/2012 with a final balance owed of {$8100.00}. XXXX XXXX is now reporting on my XXXXs as an Account and not a collection company. XXXX XXXX is a debt buyer/collector, which can not extend credit to any one. They are reporting in my " OTHER '' accounts section of my XXXX credit report. XXXX XXXX list the debt as as a " Retail '' Creditor Classification, and updated the Payment Status of " Collection Account ''. The account will show up in my " Negative Accounts '' Section because of the payment status, and not because it is being listed as collection company. I want XXXX XXXX to stop this fraudulent way of reporting and remove their accounts from all three of my XXXX ( XXXX, XXXX, & XXXX ) They accepted or purchased the debt, that does not give them the right to report as an original creditor, thus creating the fascade that I have unpaid account that is current. The orignal creditor is no longer reporting on my credit file. This does not give XXXX XXXX to act as if they are the original creditor.
Product: Checking or savings account

The bank has for XXXX continuously reported information wrong on app and online banking that does not aline with reps on phone or bank office locations. When transferring money to 1 account is over withdrawn it marks all accounts overwithdrawn. 

I do not know what is correct in my accounts for over 6 months and have made recordings and screen shoots of the calls informed bank with no action taken. 

I have more documention then what is attached.
Product: Credit reporting or other personal consumer reports

Incorrect addresses added to my credit report. I have never lived at the following addresses : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Student loan

On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.
Product: Credit reporting

I Received Notification That Exquifax Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX XXXX, And XXXX. Both Of These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Equifax Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The Equifax Credit Reporting Agency Should Accurately Report That The Balance is Zero.
Product: Consumer Loan

My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. 

Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. 

XXXX XXXX XXXX | Recruitment & Retention Advisor | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND CAPITAL ONE CAUSED MY DATE BREACH THE SIGNED THE FTC AND USED SOMEONE ELSE NOTARY WHICH I'LL BE WILL TO SWEAR UNDER OATH

XXXX  
I WENT TO TUAN V LE 
WHICH I NEVER DID BUSINESS WITH AND HE agreeD TO FIX WHAT XXXX CAUSED FOR FREE
Product: Mortgage

Our mortgage is being transferred to a different company from Mr Cooper. Mr Cooper mailed us the notice on XX/XX/XXXX. Since the USPS is slow ( due to USPS management 's decisions in the past few years ), we didn't receive the notice until XX/XX/XXXX. It was in the same sort of envelope that Mr Cooper uses for their junk mailings with refinancing offers, etc. Fortunately we opened it instead of throwing it in the trash. The loan transfer is scheduled for XX/XX/XXXX -- only 11 days notice. Mr Cooper calls it 15 days notice. In either case that is way too short a time. I tried to set up an account with the new company XXXX, who hadn't notified us AT ALL. Per their website, they said that they send emails out 15 days in advance. They never sent an email ( even though Mr Cooper has our email addresses ). They have our street address but did not send any letter through the mail. I can't set up an account with them because we haven't been " onboarded '' yet. I know that we do have a 60 day grace period, thanks to the federal government, NOT to either of the mortgage lenders. Why isn't it required that these firms send notices by mail, at least, in an envelope marked " important '' if not by certified mail? Our house is one of our biggest investments. Both of these companies seem to treat this like substituting XXXX for XXXX ; or some equally trivial matter instead of a several XXXX XXXX dollar expense. When we have bought real estate, we have always shopped for mortgages with reputable companies. The only way we can change companies now is if we refinance our mortgage at nearly twice the interest rate and with no guarantee that another shady company won't buy our mortgage.
Product: Debt collection

canceled my service. they continued to charge me for XXXX  months.they wouldnt remove and threaten to sue. continues calls.
Product: Payday loan, title loan, or personal loan

When apply for the loan I knew they were high interest rates however when speaking to the employee by the name of XXXX he didnt explain to me of really high interest rates 100-179 % interest rates. From what was explained to me on the last two days from customer reps and supervisors Ill be owing {$18000.00} for a {$2600.00} loan. They always say we recommend to pay As soon as possible not everyone is made of money. Being new to ever receive a loan like this I was not very knowledgeable but as a company and its honesty to its customers. They are scammers they mislead and they are shark loan. They XXXX so many ppl over. Please please anyone beware.
Product: Checking or savings account

I had overdraft fees. That I shouldn't of had.
Product: Credit reporting or other personal consumer reports

I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies XXXX, XXXX and Experian to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX
Product: Checking or savings account

Claim # XXXX was closed with no resolution. 
My response, XXXX was a minor when the account was initiated, so the only number you would have on file is mine and I have not received an alert nor confirmed any transactions. Id like to know what number this alert was sent to. 

In addition, in one of my conversations with customer service, they claimed my son called in, was authenticated, and requested a credit for an ATM transaction. You neglected to address that. Was the PIN changed in any of those calls? And what information was used to authenticate him? 

According to an XXXX XXXX article, XXXX XXXX XXXX, it is very possible for hackers to steal PIN codes from a retailer. If I am correct there were several transitions from retailers, XXXX and XXXX XXXX before larger withdrawals were made. 

You can not provide video recordings from your ATM, nor can you prove that my son or I made these charges. 

Furthermore, I had four accounts with Chase, # XXXX is NOT an account that I own. 

As you can see from my history, weve had a steady income. Nothing has changed that would be a motive for us to commit such heinous acts. 

I came across another article that further validates that my account could have been hacked, and possibly by a Chase banker. XXXX XXXX XXXXXXXX On XX/XX/XXXX, my husbands payroll deposit of {$2200.00} was deposited and the same day the account was restricted. The balance was then transferred to the account ending XXXX, along with the balance in XXXX account ( which I believe was {$19.00} ). Again, we were not notified. And after I called to inquire and filed the executive office complaint, then all the accounts were closed and XXXX was created. 

Chase, youre the fraud!
Product: Credit card

An unpaid due amount appeared on my statement ending XXXX XXXX. To me this is impossible since I do online banking and have authorized my bank to pay upon receipt of the e-bill. The credit card services section and bill pay/online banking are with the same major banking corporation. After several phone calls and going up the chain my dispute has not been solved. I had asked card services to remove the unpaid amount from the statement. They continually tell me that my XXXX payment has not been received and that they can not remove the amount. What I thought was a refund of the past due amount actually was treated as a cash advance. I have had XXXX managers in card services tell me that this was a banking error. According to card services the bill pay section made my payment early, XXXX XXXX, which happened to be the ending date of my statement. Therefore, it was credited to the previous month. I contacted bill pay/online banking and asked about when the e-bill was received and paid. According to bill pay the e-bill was created on XXXX XXXX, 2015, received by bill pay on XXXX XXXX, and paid on XXXX XXXX. 
Card services resolution is to reduce some of the interest charges, removal of late charge fees, and pay the overdue charge on a date in XXXX that I can not remember that was told to me. They also suggested that I pay the current minimum due and continue to carry the overdue amount. Neither of these solutions are acceptable to me especially the last XXXX. Carrying an overdue payment for months will ruin my credit rating which, in turn, I will have debt collectors. The bank that I deal with has received government bailout money and I consider my situation to be fraudulent also. Any help that you can give me would be greatly appreciated..
Product: Debt collection

THE COMPANY ~ SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ON MY CREDIT REPORT AS OF XX/XX/2021 STATING THAT I OWE XXXX. I DO NOT KNOW WHO THIS COMPANY IS AND I DON'T OWE THEM ANYTHING. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL OR EVEN BEEN CONTACTED BY THIS COMPANY PRIOR TO THEM PLACEING THIS ON MY CREDIT REPORT. I FEEL THAT DURING THIS PANDEMIC ERA THAT THE WORLD IS IN,  COMPANIES ARE TAKING ADVANTAGE  OF CONSUMERS AND DOING FRAUDULENT THINGS TO OUR CREDIT REPORT AND THINKING WE WON'T STAND UP FOR OURSELVES. IT SHOULD BE A LAW AGAINST THIS. AND IF IT'S  ALREADY A LAW IN FORCE,  THEN THIS COMPANY SHOULD BE REPRIMANDED! IT'S NOT RIGHT TO JUST PLACE THINGS ON CONSUMER REPORTS WITHOUT CONTACTING THE CONSUMER PRIOR.  ESPECIALLY IF THE CONSUMER DO NOT KNOW THE COMPANY. OR IF THE ACCOUNT HAS  ALREADY BEEN CLOSED. I HAVE NO IDEA WHO THIS COMPANY IS AND I HAVE NEVER HEARD OF THIS COMPANY UNTIL NOW.