23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 for two different account Debt Validation letter was sent by me using certified USPS mail with a return request to Portfolio RecoveryAsscociates, LLC the completed request was never sent back to me, things such as * Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
* Complete line-by-line accounting of alleged debt. 

Portfolio Recovery Associates LLC claims the unvalidated credit debt amounts for two separate accounts are {$6900.00} and {$600.00} ( as it illegally shows on my credit reports ). 

Portfolio Recovery Associates , LLC told my lawyer and me by letter that they believe they sent enough information. 

Also upon research on https : XXXX, it does NOT show that Portfolio Recovery Associates XXXX is Licensed to collect in Texas, yet they still ignored my attorney and I request to stop collection efforts along with never sending my completed debt validation request they still added it to credit reports which are damaging my reports illegally and wrongfully. 

I contacted my attorney and my attorney called me and informed me that " Portfolio Recovery Associates , LLC '' is violating Federal Law and that I should submit a complaint to the Federal Trade Commission. 

I have given Portfolio Recovery Associates almost a year now to make this right by removing these negative things from my report and life but they have yet to remove these negative reports from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX # XXXX, XXXX 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. 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 an 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 convinctions 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: Debt collection

XXXX started charging my company 4 additional lines that were never ordered. They just put them on my account. Not sure when that started, but we contacted XXXX XXXX in XX/XX/XXXX, and they agreed they were improper charges. We asked for credit but it never came, and they also continued to charge us for those lines. We spent hours on phone trying to resolve, but no help. Finally, we as a result we chose to switch services. XXXX was to send shipping labels for their equipment to be returned and credited, but they never would even after repeated calls. Final billing came to {$2300.00}. We again asked for the credits and shipping labels onXXXX and again on XXXX. No response from XXXX XXXX until Amsher Collections dinged my credit reports. We called Amsher XX/XX/XXXX to discuss, but they did not return my call. Contacted Amsher today XXXX and spoke with XXXX XXXX and XXXX XXXX. They reported to me that XXXX XXXX just gave us a credit of {$540.00}, on XX/XX/XXXX, which we have not seen or received other than the verbal credit when speaking to XXXX. It was unfair that Amsher would arbitrarily ding my credit report on a disputed billing WITH-OUT even returning my phone calls. This action has damaged me personally. I offered to pay {$1500.00} of the supposed balance of {$1800.00} with-out verifying the credits, but they refused. Is there any legal action I can do against Amsher and XXXX XXXX. Can you order Amsher to remove their negative credit report immediately. I have no problem paying what I may owe, but I need to be treated fairly. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 and XXXX XX/XX/2022 consumer contacted Equifax , Inc. at XXXX publicly listed at https : XXXX to request a security freeze. The telephone system allows a consumer to press 1 to request a report, 2 to dispute information related to a report, or 3 to report identity theft ; there are no other options available and no option to speak with a representative to request a security freeze. Furthermore, no representatives are available to the consumer if options 2 or 3 are selected.
Product: Student loan

MOHELA/DEPT OF ED Last reported XX/XX/XXXX {$4200.00} Reported balance Highest balance {$4100.00} Payment status -Current Worst payment status -Current ACCOUNT DETAILS Account status -Open Type -Education loan Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO MOHELA/DEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Debt collection

Company ( Toyota Motor Credit Corp. ) refused to comply with administrative process letters. Failed to comply with federal, state, and trust regulations. Violated the consumer/beneficiary on numerous counts of fraud and identity theft. Legal action is now in pursuit, and their failure to produce the requested documentation is the reason for litigation. Company is hiding behind a color of law to which does not exist only to due ignorance and unfortunately this isn't that case at hand. The company ( Toyota Motor Credit Corp. ) legal attorneys/lawyers does not in fact represent you in the legal matter nor do they represent me the consumer/beneficiary in this matter. With that being said please do have your defense solid and credible for the record because all communications/telecommunications will be recored for the record due to legal matters. Frankly if the matter doesn't resolve in a financial remedy that's not worth taking to court there might be a chance for settlement matters. But for the time being please be noted that the company ( Toyota Motor Credit Corp. ) holds NO dual power of attorney over my legal fiction or anything regarding the matter at hand. Everything associated with my consumer report is private confidential information not to be traded or exchanged with no one or third parties. Please be advised that all matters are trust related so the trustee 's ( Toyota Motor Corp. & Lexus Financial Services ) at hand are at breach under trustee malfeasance and will be persecuted to the fullest extent of the law. The company ( Toyota Motor Credit Corp. ) failure to comply and or correct the matter will only include more assessed fee 's and penalties in the over all grand total of the fee schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXX XXXX XXXX # XXXX 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: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I am uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010. They have intentionally and willfully ignored my complaints, repeated requests to fix multiple issues/ errors within my credit report and have violated my rights under FCRA section 605 ( c ), section 623. I have submitted multiple documents of identifying information. The reports they have sent me contain the same information Im disputing and they are updating not removing or deleting not verifying anything. I will attach all documentation sent to them with multiple complaints filed through the CFPB they closed two prior complaints no resolutions.
Product: Debt collection

Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.
Product: Credit reporting or other personal consumer reports

These credit bureaus have repeatedly failed to maintain accurate records on my credit report, despite my numerous efforts to have the inaccuracies corrected. This letter outlines the specific violations of my rights under the FCRA that have caused me significant financial and emotional harm.Incorrect Names and Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) 2. Failure to Remove Fraudulent Accounts ( Violation of 15 U.S.C. 1681i ( a ) ) Despite filing multiple disputes, the credit bureaus have refused to remove fraudulent accounts that were opened in my name without my authorization. This failure to investigate and correct these inaccuracies within a reasonable time is a violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputed information in a timely manner. Inaccurate Reporting of Collections ( Violation of 15 U.S.C. 1681e ( b ) ) The credit bureaus are reporting several fraudulent collections accounts on my report that do not belong to me. This is a violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Failure to Remove Fraudulent Bankruptcy Filing ( Violation of 15 U.S.C. 1681c ) The credit bureaus have also failed to remove a fraudulent XXXX  XXXX Bankruptcy listing that does not belong to me. This bankruptcy is causing severe damage to my creditworthiness and violates 15 U.S.C. 1681c, which governs the reporting of public records and the obligation to remove incorrect information.
Product: Money transfer, virtual currency, or money service

PayPal restricted my account from sending and withdrawing funds, which I believe is due to mistakenly sending the money under XXXX XXXX and XXXX ' instead of XXXX XXXX or XXXX. ' They said they would email me the reasons for the restriction, but I have not received any communication from them. The total amount of funds in my account is {$170.00}. Before permanently limiting my account, they asked me to submit some documents, including my National ID, proof of residence, bank statement, and an explanation of some of my previous transactions, including those from my stepsister and one of my friends. My stepsister, XXXX XXXX, sent me {$44.00} on XX/XX/year>, for my father 's XXXX  and I provided proof, including receipts and the doctor 's prescription. The other amount, {$55.00}, was sent by my friend on XX/XX/year>, as payment for two weeks of work as an Internet ads rater for XXXX. I also provided proof of payments that the company sent to her email. I understand there are policies, but we did not engage in any illegal activity. I earned the money working as an Internet ads assessor. I urgently need the funds for my tuition fee and for my father 's daily medication. Therefore, I am requesting that the money be released immediately. I will be more careful next time in terms of sending funds. I want to complain because I believe it is unfair to hold my funds for 180 days just because we did not know how to navigate the online app. Your help in this matter is greatly needed and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  CHILD SUPPORT Account # XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Subject : Complaint Regarding Illegal Overdraft Fees Charged by Navy Federal Credit Union ( XXXX - Present ) To Whom It XXXX Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXX practices of charging illegal overdraft fees, specifically through their XXXX XXXX XXXX XXXX ( OOPS ), which have impacted me since XXXX. I request that these fees be reimbursed from the Victims Relief Fund, as I was charged improperly for overdrafts in situations where my account had sufficient funds at the time of transaction. 

According to recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX engaged in unlawful overdraft practices between XXXX and XXXX, including charging fees for purchases made when my account had sufficient funds but later showing a negative balance due to delayed transaction postings. Additionally, I was charged overdraft fees related to delayed payments from services like XXXX, XXXX, and XXXX XXXX, which were not disclosed to me by XXXX XXXX as being subject to late processing times. 

Specifically, the following occurred : Surprise Overdraft Fees for Transactions with Sufficient Funds : I made purchases with my account showing enough funds, only to later be charged overdraft fees when the transaction posted to my account days later and my balance became negative. This aligns with the practice described in the CFPB 's action against XXXX XXXX, where fees were charged despite there being sufficient funds at the time of the purchase. 
Overdraft Fees Due to Delayed Payments from Peer-to-Peer Services : I received payments via XXXX, XXXX, XXXX XXXX XXXX that were immediately available for spending, yet I was charged overdraft fees when the payment did not post until the next business day. This practice also appears to have violated CFPB regulations, as these delayed postings were not disclosed at the time of the transaction. 
I am requesting a refund of the overdraft fees charged to me under these circumstances, and I seek reimbursement from the XXXX Victim Relief Fund, as I have been financially harmed by XXXX XXXX illegal practices. 

I am aware that XXXX XXXX is under a CFPB order to refund affected consumers and cease charging these fees in the future. I kindly request that my case be reviewed and that I be reimbursed for the overdraft fees I have been charged from XXXX to the present. 
Should further information or clarification be needed, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to a prompt resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( SYNCB/XXXX XXXX XXXX )