23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/year> XXXX XXXX, XXXX and XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX Subject : Cure Letter/Notice of Non-Compliance with Prior Correspondence Re : Account Number : XXXX / Amount : {$7500.00} Dear XXXX XXXX XXXX This cure letter serves as a formal notice of your non-compliance with our prior correspondence, specifically the NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND A REQUEST FOR A PROOF OF CLAIM AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, dated XX/XX/year>, filed under complaint number XXXX with the Consumer Financial Protection Bureau and was delivered to PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) electronically the same day, XX/XX/year>. 
In accordance with the aforementioned correspondence, you were required to provide substantiating evidence validating your ownership rights and entitlement to collect the designated debt within the designated timeframe. However, to date, you have failed to fulfill this requirement. 
Failure to cure this condition within 15 days after receiving this notice may result in all concerned parties being deemed in agreement with the claims and terms outlined in the previous correspondence. Additionally, a default judgment of permanent and irrevocable estoppel by acquiescence may be legally binding.

It has come to our attention that PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) acknowledged the XX/XX/year> correspondence on XX/XX/year>, indicating your failure to provide proof of claim, dispute, rebut, or contest the terms outlined therein. 
We request your immediate attention to this matter and appreciate your cooperation in adhering to the outlined procedures. 
Please be advised that my precise and correct dwelling address is provided below, and any correspondence incorrectly addressed will either be returned unopened or respectfully discarded without prejudice : Peaceful dwelling place in care of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Sincerely, XXXX XXXX, without prejudice Authorized Agent for XXXX XXXX Enclosure ( s ) : Affidavit, Documentary Evidence, Invoice No assured value. No liability. Errors & Omissions Excepted. All Rights Reserved.

Calls may be recorded
Product: Credit reporting or other personal consumer reports

I completed a SF85P and the investigator mentioned a debt to XXXX, XXXX XXXX XXXX XXXX and paypal. I am not aware of any debt to these companies and would like more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo account. 



I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

The Company violated my privacy and consent by submitting late payments to my credit report. 15 USC 1666b states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I am writing to dispute the debt that is being reported under my name. 

I would like to clarify the following points : 1. Court Proceedings : This matter was taken to court, and the judge determined that I had no obligation to pay the disputed amount. The case was dismissed without prejudice, confirming that I have no outstanding debt related to this case.

2. Reported Amount : Additionally, I have noticed that the amount they are reporting against me is higher than the original amount I allegedly owed. ( Which it was {$1700.00} ) and the new amount that Im getting accused of owing is ( {$3600.00} ) This is inaccurate and may be a violation of my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I DEMAND THAT THESE INQUIRES ARE PERMENANTELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Borrower XXXX XXXX Your payment schedule will be as follows : Number of Payments XXXX Amounts {$300.00} XXXX {$300.00} When payments are due First payment is due on XX/XX/year>, and then monthly on the same date thereafter. 

Late charges : If your payment arrives after your XXXX grace period, you will be charged a late fee in the amount of {$15.00}. This fee is charged only once per late payment. 
Prepayment policy : If you pay off your loan in advance, you will not be charged a penalty. In the event of a prepayment, you will not be entitled to a refund of any pre-paid finance charges or other fees. 
See your Loan Agreement for any additional information about nonpayment, default or other matters related to your loan. 
Itemization of amount financed : Amount of Your Loan : {$10000.00} Origination Fee : {$690.00} Amount Given to You Directly or your designee : {$10000.00} The interest rate equals approximately XXXX. How was this calculated? If a weekly payment is made to XXXX XXXX on weekly basis, the amount owed is lowered. With this loan the amount paid during the month goes to interest, not the principal. 

Also if the principal is paid in full does this resolve the loan as paid in full. To pay off the principal is {$12000.00}. How does this effect interest payment?
Product: Credit card

On XXXX I sent a dispute for two items from a specific merchant. 1 transaction was for failure to provide the service that I purchased/ Failure to provide advertised refund. The second was an unauthorized transaction from the same merchant. I provided full and adequate information in my dispute for BOA to open and process an investigation with the merchant, On XX/XX/XXXX I received a letter from BOA requesting " additional information '' concerning the case. The majority of the information requested had already been provided in my initial dispute. I sent a full response up by Fax and Postal mail on XX/XX/XXXX. 

On XXXX I received a second letter asking me to sign a form to report the charges as unauthorized and issue a new card. I returned this form on XXXX by Postal Mail. 

On XX/XX/XXXX I received a letter from BOA ( Dated XXXX ) stating that the case had been closed because additional information was not sufficient or received in a timely manner. 

I very promptly replied to BOA 's arguably burdensome inquires. I.e. BOA requested information already provided as well as mailed multiple requests that could have easily been combined into a single inquiry. Additionally BOA asked for information to be returned in a timeline not reasonable by today 's Postal Mail standards. 

I am very concerned based on this experience that customers are being denied their rights to dispute purchases intentionally and/or unintentionally by BOA. The requested response deadlines provided by BOA could not be met by the typical customer.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I saw inquiries that do not belong to me on there
Product: Credit card

On XXXX XXXX, 2023 approximately XXXX XXXX 3 smaller charges and one large charge of {$1800.00} appeared on my Apple Card provided by Goldman Sachs Bank, while I was at work without access to my phone or other electronic devices. These charges were made at XXXX XXXX, XXXX XXXX, Florida, which I was told is a corporate office. I saw the amounts in the wallet app of my phone that evening and called Apple Card Support immediately as I knew I hadn't charged anything that day. I started a dispute and was told at the time that it looked like someone hacked my virtual card. I was informed that I would not be held responsible for charges I did not authorize. The card number was changed as well as my password. On XXXX XXXX, 2023 I received an email telling me I would not be held responsible for the charges of {$1800.00}. The lesser charges were taken off permanently as well. Then on XXXX XXXX, 2023 I received another email stating the charges of {$1800.00} would remain on my card. I have disputed this with them over and over and have written them showing I could not have made those charges as I was working without my phone and sent a copy of my time sheet punch as well as the no cell phones policy allowed in the warehouse where I was working at the time. They have repeatedly told me they have proof that I made the charges, but have refused to send me the evidence they have against me. I have written the the Attorney General of California where I lived at the time as well as the Attorney General of Florida where the charges went through. I filed a complaint with The Federal Reserve and they advised me to also file with you. I have way more communications than will fit into the file to upload.
Product: Debt collection

RENT RECOVER ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX  Address :  XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , GA  XXXX  Phone : (  XXXX  )  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You   have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify RENT RECOVER or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report N otice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to a n account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission RENT RECOVER  acc #    XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   SOC  SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} 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 reporting, credit repair services, or other personal consumer reports

I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with XXXX  and Equifax and disputed these fraudulent items four various time. For some odd reason, XXXX and Equifax will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX   XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX/XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX-XXXX   XXXX  : Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

American express reserve issues debit cards based on email verification, not a real identity of the person like social security number.I received a debit card sent by a scammer and I deposited {$500.00} towards comcast service for 5 months as a promotion.Scammer even sent me all details about comcast services and when called the number it said XXXX menu. 
Actually scammer filled my information and gave his email and when american express sent him email confirmation, he clicked and got approved a debit card for XXXX without depositing single penny. I Can not imagine opening an account without real identity of the person. 
American express reserve agent informs me that debit cards are not fraud protected and buyer be aware.Why is american express is allowed to issue debit cards based on email verification.This is a perfect recipe for scammers and terrorists to transfer money, if american express can not trace the XXXX XXXX. 
your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 
XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved my credit report and saw that Experian is incorrectly reporting a fraudulent report on my credit profile from XXXX XXXX. That account does not belong to me and is incorrectly being reported on my file and is hurting my credit as a result. I have contacted the credit Bureau " Experian '' and indicated the account is not mine and should not be on my credit profile. After retrieving my credit report recently I noticed that are still reporting this account on my credit report.
Product: Mortgage

The mortgage company did not pay the property taxes for the year of 2022. The escrow was not assessed correctly because when they first obtained the mortgage they used my home address ( for which there was no mortgage ) instead of the property address. When they FINALLY fixed the address to the correct property they did not update the tax bill address, and were not paying the correct county. I had no way of knowing they were not paying the correct county out of the tax escrow. REPEATED attempts to get the correct taxes paid to the correct county have been unsuccessful. None of this was an issue withe the original mortgage company. It was when the mortgage was bought by Loan Care that the trouble began. They have not done the due diligence to correct this issue and it has cost me time off work and has damaged my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I recently viewed my credit report and noticed inaccurate information. Rushmore loan management is showing a late payment status over 120 days late. This information is in accurate. I have never been late with Rushmore loan management and This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with Rushmore therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
Product: Credit card or prepaid card

Complaint against XXXX, XXXX, XXXX, and Capital One for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and Capital One for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my Capital One credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against Capital One and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and Capital One regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. 

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, XXXX, XXXX, and Capital One but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the Cyber Attack Explanation from Capital One XXXX XXXX XXXX XXXX Sincerely,
Product: Checking or savings account

My account was closed due to an unknown reason, with Bank of America. I ordered a new card due to fraud and I never received the new card. After a week or so, I received notifications that my account had been closed due to a check being deposited. I made the bank aware that I did not deposit a check and that I never even received my new card and asked if they could simply check the cameras to help found out who may have deposited this check. Not only did I never receive my card, the check that was deposited was not in my name. They told me they would investigate the issue, but did not. They closed my account and it would no longer allow me to open another account.
Product: Debt collection

In XXXX, I had a Capital One credit card and the debt was sold to XXXX  XXXX XXXX XXXX XXXX ). I spoke with XXXX and they threatened to sue me and filed a court judgement against me in New York.