23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery acquired a debt from XXXX XXXX, which was charged off. Portfolio Recovery continues to use deceptive tactics to collect debts ( as included in CFPB action against Portfolio Recovery docket number 2015-CFPB-0023 ). Portfolio Recovery has only provided statements from a creditor ( not the original creditor ) and no contract was provided. The statements are evidence of a credit, ( I credited XXXX XXXX ), statements are not sufficient to validate a debt. It is proof that a credit transaction took place but it is not evidence of a debt. See case law XXXX XXXX XXXX XXXX XXXX v XXXX. I am also demanding an audit trail for this alleged debt. As per the documents attached Portfolio Recovery acquired this debt and therefore should have in possession all documents from the beginning of this consumer credit transaction. I demand an audit trail. I demand this account to be deleted from my consumer credit file with XXXX, XXXX and XXXX, this debt was not validated by me and I did not opt in with Portfolio Recovery to share any information. If you have documentation that I opted in with your company to share any personal information, I demand documentation.
Product: Credit card or prepaid card

I have been making on time payments on my walmart capital one credit card then miss a couple of payments a few days later and charge me a late fee and refuse to waive it!
Product: Debt collection

A company representative entered my place of employment and had a form she stated I should sign and she would Notarize. I was told the form gave her my permission to research a piece of property ( my home ) my wife and I purchased after my Dad had passed away. I was mislead that this person was working for a Local Attorney. I found out from her Daughter ( a coworker ) that her mom was working for a tax debt collection agency. I did not get a copy of the letter and found that this person had contacted my estranged family in Florida and threatened them with lawsuits concerning this. She disclosed my debt to them, her daughter as she disclosed while having me sign the " research letter '' and she did not notarize the letter in front of me as Texas requires. The date is unclear but I believe it to be XX/XX/2021. 
The person 's name is XXXX XXXX, representing Linebarger, Goggan, Blair & Sampson , LLP. The XXXX has many complaints on this company and I am about to file another.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, the company placed an inquiry on my credit file with XXXX. I have attempted to get this removed by contacting both the company and the Credit Reporting Agency. BB & T has stated in writing that the inquiry was the result of a credit application from an automotive dealership. The only problem, which I have  explained countless times, is that I did not fill out an application with that dealership on the date in question. Had they checked, they would see that my signature is not present on any application used to access my file on that date.
Product: Debt collection

This company is harassing me thru mail, attempting to collect a fraudulent, sold debt from another debt collector from XXXX XXXX, XXXX. They have stated the original debt was from XXXX. Both of these debts are well beyond the statute of limitations. The debt they are trying to collect is fraudulent, I have never owed a debt to PRA, LLC, which they claim to have purchased this debt from. I have asked them not to contact me and told them the debt was fraudulent. They again mailed me paperwork from a debt from XXXX XXXX from XXXX and stated the debt was purchased from PRA, LLC, and then sold to them. I do not owe XXXX XXXX any money. I have cleared with them through their customer service that this debt is not mine. I never owed a debt to PRA, LLC. Even if this debt were legitimate, this is supposedly a debt from 14 years ago being sold over and over again. This company is absolutely absurd to claim this is a legitimate debt. They need to remove my account from their system and stop the mail harassment. This is NOT my debt. I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.
Product: Debt collection

Re : Investigation Complaint Against Credit Management LP To Whom It May Concern, I am writing to file a formal complaint against Credit Management LP for multiple violations of my consumer rights under federal and state laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and relevant Mississippi state statutes. 

Summary of Violations : Failure to Validate Alleged Debt : Despite my requests for validation, Credit Management LP has failed to provide proof of the alleged debt, including but not limited to the original creditor 's information, proof of a license to collect in the state of Mississippi, proof of the debt purchase agreement outlining the terms of the debt purchased, and confirmation of compliance with Mississippi state statute of limitations. 

Use of Law Firm as Debt Collector : Credit Management LP has engaged its law firm as a debt collector, which is in violation of federal law, as outlined in the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Relief : Failure to Validate Debt - UCC Law Codes : UCC 9-609 : Failure to provide proof of a valid debt constitutes a default.

UCC 1-201 ( 37 ) : Defines an " unauthenticated debtor '' in relation to providing proof of a valid debt.

Failure to Validate Debt - Federal Law Codes : FDCPA 809 ( b ) : Requires debt collectors to provide validation of debts upon consumer request.

FDCPA 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.

Use of Law Firm as Debt Collector - Federal Law Code : FDCPA 807 ( 6 ) : Prohibits deceptive practices in connection with the collection of any debt, including the use of a law firm as a debt collector. 
Request for Investigation and Relief : I request a thorough investigation into Credit Management LP 's unlawful debt collection practices and failure to validate the alleged debt. The failure to provide the requested information should be considered a default and admission of the illegitimacy of the debt.

Violations : Failure to validate the alleged debt as required by the FDCPA and UCC.

Use of a law firm as a debt collector in violation of the FDCPA.

Remedies Requested : Monetary relief for any damages incurred due to Credit Management LP 's unlawful practices. 
Personal punitive damages for the distress caused to my life by their actions. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my consumer rights.
Product: Checking or savings account

TD Bank closed my account on XX/XX/XXXX and has not given me any explanation so far. I have not yet returned the {$15000.00} in my account. I went to TD Bank 5 times and the staff told me to go home and wait for news. I have not received any news so far. I sent an email to inquire, but no response. The following are the bank statements of my personal account and company account. The money in the four accounts was forcibly withheld by TD Bank. After a month, TD Bank did not respond to me or call me. When I called to inquire, they said that there was no money in my account and no money to return to me.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # are XXXX, XXXX. 
I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me XXXX XXXX  and emotional XXXX I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the Equifax data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a MoneyLion Account nor authorized MoneyLion to access my personal information or report to credit bureaus on my behalf. 

This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Product: Vehicle loan or lease

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I did not agree or sign a contract with Bridgecrest to collect on an alleged auto loan debt. I sent certified mail with return receipt the following information which will be uploaded. 

1. debt validation letter 2. cease & desist letter 3. XXXX XXXX letter demanding that Bridgecrest show any and all proof that I agreed or signed a contract with them. which in return Bridgecrest could not prove. Bridgecrest looked over all documents and unstapled them and stuffed them back in the envelope and shipped them back to me without answering or showing proof of what I asked for. 

1. Obtaining my information and using it without I, XXXX XXXX, the Consumer permission is Aggravated Identity Theft Pursuant to 18 U.S. Code 1028A ( 1 ) and 18 U.S. Code 1028 ( 7 ) 2. Also demanding me to make monthly payments is extrotation Pursuant to 18 U.S. Code 875 ( d )
Product: Credit card or prepaid card

Summary : I was shown an offer on my American Express Credit Card account page with an offer of an extra XXXX bonus miles if meeting a minimum spend requirement. After being approved XX/XX/XXXX for the card and meeting the minimum spend for sign up bonus, I realized I had not received a sign up bonus in XX/XX/XXXX. American Express says they showed a popup stating I wasnt eligible, however this is absolutely not something that was shown or seen at any point during my application. I am requesting resolution to the misleading advertising and resolution of the signup bonus used to draw my attention to the credit card at the time of application. 

XXXX XX/XX/XXXX - Applied for Delta Skymiles Platinum Card assuming i would be given a XXXX sky mile sign up bonus if minimum spend was met. 

XXXX XX/XX/XXXX - Called American Express to inquire about why my sign up bonus had not been credited. American Express said that i had been rejected by the committee due to my credit history and i was not eligible. The CS reps stated i was informed of this decision through a website popup. I absolutely did not see a popup of any manner of this sort, and I would not have applied for the credit card if this were the case as the card has a yearly fee that I would have felt uncomfortable with, if not for the initial sign up bonus. CS rep stated they would open an investigation to check if i should be eligible, and to call back in 2 weeks. 

XXXX XX/XX/XXXX - Called American Express to follow up on the status of their investigation. They informed me due to my credit card history i was ineligible and would not be changing their decision.
Product: Payday loan, title loan, personal loan, or advance loan

Payment came due, while working out of town. My friend tried to pay the next day but they wouldn't allow her to. I called and they said I had to make the payment in person bc I was a day late. I told them the kind of work I do I will be gone for a while. They told me they couldn't help me. So after a couple days go by, someone calls me and say I can pay by the customer portal. I have been trying and it keeps giving me a network error. I have reached out to them several times and my assistant, bc I use my truck for my business. Now I have extra fees added to my account when I made multiple attempts to pay it.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, Experian did not provide me with the information that validates the following listed account below : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Experian per their dashbroad claims XXXX XXXX validated the information but this can not be the case because XXXX XXXX has not provided me the proper validation via this government agency which makes it impossible for them to validate the information with Experian.

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

Re : Inquiries Confirmation # XXXX The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order D ) employment I did not authorize and do not fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX NC - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX Equifax comes back next day with a response of inquiries are factual record of file access and will remain I filed a claim with FTC which I have uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX bank card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I REFINANCED MY CAR WITH A NEW LENDER ( XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old lender account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, Transunion, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1XXXX is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.XXXX  reported my account closed in XXXX XXXXand then reported it opened again in XXXX and added two late payments 3.Transunion is reporting two late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 4. Opened dates are all different for each consumer reporting agency. 
5.Transunion is reporting Account status as closed. XXXX is reporting as paid. XXXX is reporting as closed 6. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX. 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's Transunion and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX
Product: Credit card

Capital One hard inquiry made on XX/XX/2023 I do not recognize this hard inquiry and I want it removed immediately from my credit report in both XXXX and XXXX