23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, I made a complaint towards Portfolio Recovery Associates LLC on the issue false statement or representation. On XXXX  My debt total was {$3200.00}. I spoke with a representative who stated they can bring the payment down to {$2400.00}. I replied I could not pay that amount but, I could pay {$1800.00} right now to close out the account. Portfolio Recovery came to a decision and agreed on the {$1800.00}. I provided my debit card information and the representative began reading the disclaimer ; however he stopped and put me on hold for about 25 minutes. After the {$1800.00} was taken out of my account, he stated that the Assistant Vice President declined my offer. At this point I was provided false information. I called Portfolio Recovery back and another representative told me I had a balance of {$2800.00}. I was given different amounts from Portfolio Recovery. 

On XX/XX/, arrangements were made to settle my account for {$2400.00} making the following payments : Payment of {$900.00} due by XXXX, Payment of XXXX due by XXXX and Payment of XXXX due by XXXX My debit card information was provided again to make automatic payments. 

I received a signed Request for Satisfaction/Certificate of Service letter from Portfolio Recovery Associates LLC that requested the courts to mark the case as paid and satisfied, and dismiss any and all post judgments actions, etc. This letter let me know that my debt for Portfolio Recovery Associates LLC. is Satisfied. However, I get a notification about my credit that my debt with Portfolio Recovery increased to {$5000.00}. Portfolio Recovery took that {$1800.00} from XX/XX/ and applied it to {$3200.00}. I did not receive a written notification pertaining to change. Portfolio Recovery is still attempting to collect debt I no longer owe by calling me repeatedly. 

An agreement was made and arrangements were made to settle the account for {$2400.00} by making 3 payments that were taken out of my account automatically after providing my debit card information. 

I have attached supporting documents.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened with my information through Navy Federal Credit Union on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit reporting is still showing a derogatory remark account of {$200.00} that was paid on XX/XX/XXXX, on my XXXX XXXX app. XXXX has dropped the account in the same XXXX XXXX report. 
The account which was opened XX/XX/XXXX was for physical therapy I received for a XXXX XXXX injury. XXXX  shouldve paid it, but due to transient management and intransigent staff at XXXX, they didnt pay it. I received a settlement when I filed a grievance over my treatment during the time I had the injury and received a settlement in spring of XXXX from which I paid the bill myself.
Product: Mortgage

I got a call from XXXX XXXX at cornerstone mortgage who say we can refinance your loan she help me originally loan I have now from purchasing in nevada retire home move from California sold house there. The refinances loan started last year in XX/XX/XXXX. I send all information that the underwriter needs approved me 5 times the out the XXXX then a few approved of conditioning loan approvals then XX/XX/XXXX loan should have closed. So the underwriter decided not to close loan on retire booklets bottoms page were I highlighted out my CSA number retire booklets on page were the underwriter approved 5 to 6 times with the same info in pages the. Decided not to approve on XX/XX/XXXX and still waiting on closing just fax income proof letter from ssa that i will be getting in next year still have not heard anything from this company I like just paid off my debts with another co but I think they may charge me a fee can someone help please need help my number XXXX and now few more month it a year no one should wait this long for refinance loan I work XXXX at XXXX XXXX XXXX XXXX XXXX helping vets I hope this will never happen to anyone thanks XXXX XXXX this complaints of processing loan only and waiting to long as almost a year.
Product: Debt collection

I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.
Product: Credit reporting or other personal consumer reports

Theres an inquiry on my credit report, that I didnt make or give consent to any to make. So Im asking all inquiries to be dropped from credit because it made a major decrease on my score of credit. Which I am not comfortable with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Product: Checking or savings account

I was unable to sign-in to my account online and was told someone would call me back to resolve the issue. That was many days ago and no one called. Tried to transfer funds to another account, but transfer was reversed since the account was reportedly inactive. Tried to contact bank by phone, but no one that could help was available. Was told someone would call me back, but based on recent experience, I didn't believe that. I have nearly {$3000.00} tied up by this bank. There is no way to contact their corporate headquarters.
Product: Credit card or prepaid card

We, XXXX XXXX and XXXX XXXX saw a scheme on the XXXX XXXX website. If we get the AA Citibank Credit Card we would get {$250.00} off the first purchase of air tickets. So we both went ahead and individually applied for the cards. I, XXXX XXXX booked tickets from XXXX to XXXX on XX/XX/XXXX for {$330.00} with my card ( ending XXXX ) and XXXX XXXX booked return tickets from XXXX to XXXX with her card ( ending XXXX ) for {$330.00}. Citibank charged us the whole amount of {$330.00}. We both filed disputes. I, XXXX XXXX, had taken a screenshot of the XXXX XXXX offer. I was refunded the {$250.00} and had to pay only {$85.00}. XXXX XXXX had taken a screenshot also, on a different computer that saved the screenshot in a .png format. Citibank said that the image was not clear and that we should mail a print out to the XXXX XXXX, XXXX XXXX XXXX She sent it via tracked certified mail, tracking number XXXX and it reached the post office pertaining to their XXXX XXXX XXXX XX/XX/2021. XXXX never received an acknowledgement of her letter from Citibank. Moreover, while the transaction was still in dispute, they added on penalties and interest. They also sent her to collections and started harassing her with calls. Whenever she tried to call disputes, her call was always redirected to the collection agency. After this, just to not have to deal with the harassment, XXXX XXXX paid up the complete bill. However, on XX/XX/2021, Citibank had severely damaged her credit score. This is having a major financial impact in relation to an impending house purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the XXXX bankruptcy court. I have a letter stating the is not true from the XXXX bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting a account i dont own
Product: Credit reporting or other personal consumer reports

Made aware of Chase Bank, XXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, XXXX XXXX XXXX XXXX XXXX  all have record of derogatory account. Can not open bank account with Chase Bank due to fraudulent account. 

Active fraud alert on all credit reports since XX/XX/year>. No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/year> I had entered information on XXXX in regard to obtaining an HELOC loan. The first call connected me with Mortgage Banker XXXX XXXX with AmeriSave Mortgage. I was on the phone with him for a long time and became very overwhelmed with information. I remember him giving me cost information and some fee that was {$500.00}. I told him I wanted time to think about everything and go over it all. He then proceeded to " talk me into the process '' by offering to reduce the {$500.00} to {$250.00}. I eventually gave in and accepted to start the process. I didn't understand what was happening, or what this XXXX XXXXXXXX {$250.00} cost was, and it is on me for not asking a lot more questions and for not sticking my ground and taking time to process and read over everything. I felt rushed and pressured and didn't hang up as i should have. I asked the next day about canceling the process and all XXXX would ask me was " why would you want to cancel it? '' I then emailed XXXX XX/XX/year> and requested to cancel the loan process and to obtain a refund for the {$500.00} pending charge on my bank account. No contact received back so on Monday XX/XX/year> I sent another email in regard to this matter, receiving a response that he would cancel the process, but the charge was nonrefundable as he previously stated to me on XX/XX/year>. I did not hear this or I would have very much not agreed or signed anything that day. When asked who i could speak with he never replied to me from that moment on. I found online the customer service email address and sent my refund request to them on XX/XX/year>. I received an email confirmation stating it was forwarded to Sales Manager XXXX XXXX. XXXX XXXX and I spoke on the phone XX/XX/year> and he advised me that the portal i signed into had the nonrefundable clause in bold print about the charge and that he reviewed everything and will not be refunding my money. After talking with him i agreed that i messed up and did not read, hear, or ask questions l should have and that is on me, but the agreement was {$250.00} but they took {$500.00}. XXXX had told me i would get {$250.00} cash back at the end of the process. I advised that since i canceled the process by the XXXX day I should at least be refunded the {$250.00}. XXXX XXXX stated they would not be refunding that ither as that was only after the loan was completed. When i asked him who i could talk with above him he stated that " there was no one above him. '' I do not feel this process has been right or fair. I feel as if this company scams people out of money. Although I do wish to receive the full {$500.00} back since i didn't go through with this loan process, I believe at minimum i deserve the {$250.00} that I was told I would get at the end. Thank you for your time and help with this matter. 
XXXX,.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. ( XXXX XXXX with A balance of XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER had service with this company or owed this company A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am a member with Credit Karma. Credit Karma has the Guarantee policy if u have a guarantee offer to apply for a credit card. And if u get denied. They will give u XXXX. I applied for XXXX XXXX credit card. From my credit karma site. I was denied. When applying for the XXXX for being denied. It's no longer in my account. The offer. I just now starting to file for the XXXX promotion. What worry me. Since I been denied. The offer does not reflects in my account anymore. I had already been denied for the card threw experience credit reporting site. And when I seen the credit karma Guarantee on my credit karama acct. I applied again. Now I been denied twice!! It's going to lower my credit score for applying.
Product: Debt collection

XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.

I want this account removed from MCM and from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX  to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit