23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery has been informed by the CFBP of my dispute to the account that's placed on my credit report which in fact their response was stating their information was accurate information without providing proof of my signature to the fraudulent placement. Portfolio Recovery isn't licensed in my state to collect any debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt Portfolio Recovery was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if one was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. This collection agency attempts to collect a fraudulent debt. Portfolio Recovery refuse to remove this fraudulent account off my credit report without any investigation into the matter! Under 15 USC 1692g ( b ), you are required to provide me with certain information regarding the alleged debt. The CFPB also alleges that Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for Portfolio Recovery Associates to investigate the dispute. 
Failing to timely resolve disputes : On at least tens of thousands of occasions, Portfolio Recovery Associates failed to resolve disputes within the required time. 
Conducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, Portfolio Recovery Associates did not conduct a sufficient investigation that considered all necessary information. This is the exact same tactic Portfolio Recovery Associates is doing on my credit report without proof! This company parked a debt on my credit report without any notice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX, XXXX, and transunion asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance
Product: Mortgage

Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
Product: Debt collection

I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt I am victim of identity theft somebody stole my personal personal identity and used it to obtain rental leases and other accounts I reported the fraud with police report ftc report to companies to then have the companies assign Me to a person who never answers the phone or follows back up knowing these accounts are fraudlent and do not belong to me. I had the accounts removed from XXXX credit agencies only for them to go to XXXX and report these fraudlent accounts I have tried everything to talk to somebody about me being a victim of identity but they purposely ignore me and try to report items to credit file after deletion
Product: Checking or savings account

My Chase bank checking account was fraudulently accessed by individual pretending to be Chase bank employees- including a call from fraud department from Chase bank phone number ( number was the same as on the back of my debit card ) After gaining access to my account criminals wired {$15000.00} out of my checking account to XXXX XXXX. When Chase bank called to authorize wire transfer i picked up the call and said i am already on the phone with Chace ( not knowing that i am on the phone with the criminals ) - real Chase employee after i informed them of this - went ahead and released the wire. Which i specifically did not authorize on that call. 
After realizing money were wired out of my account i called Chase bank and asked them to freeze everything - all accounts, all transactions, all online access. This happened about 30-40 min after the fraud wire taken place. I also called XXXX XXXX and gave them account number and the name on the account and asked them to freeze that account since my funds went in there without my authorization. 
After weeks of " investigation '' Chase informed me they were unable to recover funds from XXXX XXXX and denied my claim due to no fraud can be proved or i benefited from this transaction. 
This was escalated a couple of times within chase bank for further review but now they closed the case and said fraud can not be proven. 
i ask you to please help investigate this since chase won't- they are only interested in minimizing their fraud insurance claims.
Product: Credit reporting or other personal consumer reports

On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. XXXX XXXX XXXX XXXX XXXX and without this misinformation being corrected XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I feel they keep taking unnecessary amounts out of my account or double charging for something but it only showing one charge.
Product: Credit card or prepaid card

After I received the Rejection letter from XXXX. I notify the Credit card XXXX whether or not we can cancel charges that I have made to XXXX. but XXXX Credit Card was not response correctly. Originally fee 's was {$280.00} XXXX
Product: Credit card or prepaid card

The charge was made with American Express XXXX card on XX/XX/12 to XXXX XXXX for {$12000.00}. This card is not now active as XXXX visa took over the XXXX credit card business. Having called both companies in trying to resolve the complaint they each say it is the other companys responsibility. The run around. I understand that XXXX XXXX was convicted of fraud. A long with XXXX XXXX and XXXX I have called serveral times to resolve issue. Both companies say they can not find the charge because of the length of time involved. Can you help me?
Product: Debt collection

I received a letter from Harris & Harris Ltd. in XXXX, XXXX, offering to lower my debt to XXXXXXXX XXXX XXXX  XXXX by {$770.00} in return for XXXX payments XXXX for {$22.00} and another for {$30.00}. XXXX XXXX XXXX Account XXXX XXXXXXXX : Harris & Harris cashed my check for {$22.00} on XXXX Account XXXX XXXXXXXX : Harris & Harris cashed my check for {$30.00} on XX/XX/XXXX. 


In both cases, my XXXXXXXX XXXX XXXXXXXX XXXX account was credited ONLY for the XXXX payments I made, NOT for the {$770.00} as promised. I sent a letter to the company via certified mail ( signed by XXXX XXXX, on XXXX XXXX, XXXX requesting an explanation, which I did not receive. Instead, I have been inundated with collection calls.
Product: Credit card or prepaid card

Since I obtained the Bread Cashback American Express Card by Comenity Capital Bank, I have not been able to access my account online to view transactions or make a payment. I got the card around or I first used the card around XX/XX/XXXX. Around XXXX I tried to create an account online to make a payment, but each time I tried the system denied my input and the following statement is given each time I try : " The information you entered does not match our records. Please confirm your information is accurate and try again. '' Each time this happens I call customer service. Sometimes customer service can not access my account or say there is little they can do to help and they open a ticket for another entity to try to fix the problem. Each time I call customer service enters a note to my account regarding the problem. According to customer service during the summer of XXXX there was a software update which affected several accounts and apparently my account was affected by this update. Late XX/XX/XXXX I was finally able to make a payment through the automated phone service. I in-turn call customer service for them to remove and credit my account for any late fee, financial charges, etc. which they did do. On XX/XX/XXXX I tried to make a payment, but the system did not recognize my account so I called customer service, but they did not see my account by the account number. They were able to see the account by my phone number, but were not able to access the account. Once again I am not able to make a payment. My biggest fear is that negative information get reported to the credit bureau and it impact my credit history and score.
Product: Debt collection

This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with Ascendium Ed XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Exeter Finance, LLC on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is being send to my mothers email and I have never given any consent to allow for that.
Product: Credit card

Bank of America Attn : Billing Inquiries XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of disputed charge to account Dear B of A Billing Inquiries Division : I am writing to dispute a charge of {$18000.00} to my credit card account on XXXX XXXX XXXX The charge is in error because the company that I hired to do work for me is in breach of contract / services not rendered. 

I have been working with the company, XXXX, for the entire year, giving them chance after chance to provide what they told me they would provide in their contract. However, although they attempted to over the months, they were never able to deliver. I asked for my money back last XXXX, within XXXX  days of filing a dispute claim with you. They told me that they would send my request to their billing department, but then they didn't follow through. 

I contacted Bank of America many months ago regarding this issue, to find out how long I have to file a claim against the company. Your customer service representative told me that I have at least XXXX XXXX  to file a claim, and up to XXXX XXXX This should be documented, as I know you record all phone calls. 

I recently received XXXX letters from you, both dated XX/XX/XXXX. XXXX letter stated that you were working on my claim, and that I should send you information to support my claim within the next XXXX  days, The second letter stated that you completed your research and that my claim was denied. But you didn't give me a chance to send you my information to support my claim.

I believe that you should allow me to dispute this charge for the following reasons : 1. After the company didn't perform, and after giving them plenty of time to do so, I asked them for my money back. Then, when they didn't do follow through, I filed a dispute with Bank of America within XXXX  days of me asking for my money back. 

2. A Bank of America Representative told me that I had XXXX years to file a dispute, and up to XXXX years. You have record of this phone conversation, since I know you record all phone calls. 

Please work with me on this to get a fair resolution. 

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

Payments were made on time, except XXXX. But the credit card lists XXXX late payments. If you sign in, you can see that payments were made, and I have tried to dispute an error multiple times, and even sent an official letter by mail on XX/XX/XXXX, without a response. 
Descriptions of the payments : XX/XX/XXXX shows as a late payment by 30 days. Payment was late XX/XX/XXXX shows that payment was late, but I have made a minimum payment of {$XXXX} as requested. on XX/XX/XXXX made XXXX day before a due date XX/XX/XXXX shows that payment was late, but payment of {$XXXX} was made on XX/XX/XXXX a day before the due date. 
XX/XX/XXXX showed late by XXXX  days, but payment was made on XX/XX/XXXX at {$XXXX} and on XX/XX/XXXX at {$XXXX}
Product: Credit reporting or other personal consumer reports

XXXX, and Trans Union, On XX/XX/year> you XXXX, yet again sent me another ID request sheet. 

As well onXXXX you Trans Union , yet again sent me another I D request sheet. 

I'm done with the whole ID game, For XXXX  years now you've played games with my livelihood. At this point you are now playing games with the livelihood of my company. 

Please allow me to reference CFPB complaint number XXXX Where on XX/XX/year> I sent you copies of my West Virginia State ID and my Social Security card. Directly to you through the cfpb platform. 

This shows willful intent on your part to harm the very natures of my personal and business endeavors. 
Thank you for the additional evidence. 

Have a good day LKiko
Product: Credit reporting or other personal consumer reports

XXXX transferred my loan and did not notify me. When I found out, I paid the new company instead of XXXX and XXXX still reported my payment as XXXX  days late in 2023. 
They promised that they would remove it, but never did. for XXXX  days. I was told that it was being corrected but it is still on my credit report.
Product: Debt collection

Reprise financial keeps calling my work. I am currently working with XXXX XXXX to reduce the amount I owe and offer them a sum. Reprise has been contacted regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX  XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX XXXX about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank you.
Product: Mortgage

Wells Fargo mortgage co. Is stating I owe {$24000.00} for nonpayment of mortgage payments in XXXX. They state I was put on a deferment at that time. The documentation that they sent me does not show I missed that amount of payments during that time. I never requested or signed any deferment papers with Wells Fargo in XXXX. I was never sent any annual emails or letters stating that. When I applied for a deferment in XXXX I finally received a letter in XXXX hat stated I had made XXXX deferments. One in XXXX For {$24000.00} and than one in XXXX. I did make the deferment in XXXX but not in XXXX. The bank has been lax in sending the documents proving I had a deferment on my mortgage for XXXX. I need documentation from Welks Fargo and the credit bureaus for XXXX that shows the mortgage delinquencies
Product: Consumer Loan

I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after XXXX?