23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification from XXXX that my credit score dropped due to a new collections account from National Credit Adjusters on XX/XX/XXXX. The debt shows as a new collections account but the alleged debt is from XXXX. I called National Credit Adjusters and they advised they reached out via phone several times. I have not received one phone call or voicemail from NCA. They also mailed a letter that would have allowed me to dispute this/get more information/settle to an address that I lived at 2 years ago. This was sent straight to collections and dropped my credit score 42 points without me having an opportunity to dispute/clarify. I called NCA the same day and they are not willing to delete this record while I have an opportunity to dispute and/or clarify the details of this collection account and potentially settle. NCA has shown no flexibility on this matter considering the information they used to reach me was clearly outdated and incorrect. This can easily be verified.
Product: Debt collection

Our XXXX year old son hit a car in a neighborhood on XX/XX/XXXX. The woman whose car we hit went through her insurance and a collection agency for the damages, which we took responsibility for. In XXXX of XXXX, my husband received a call from XXXX  XXXX of Stuart Lippman and Associates requesting the amount of {$5800.00} to cover damages. At this time we had no bill to go over charged with him. He informed my husband that something came in the mail ( it had not ) and he would also email it ( also did not ). He demanded a down payment of nearly XXXX upfront and XXXX a month, which we responded was not possible. We ceased communication at that point as we attempted to go through home owners, which denied us XX/XX/XXXX4. Again, we have received 3 communications from Mr. XXXX. 1 on XX/XX/XXXX when he gave the figure XXXX to my husband who wrote it in his book. 2 When I spoke with Mr. XXXX on XX/XX/XXXX regarding an invoice he sent at XXXX with the amount owed as {$5800.00}. 3. On XX/XX/XXXX at XXXX an invoice for the amount {$5800.00}. During occasion 2, Mr XXXX and I were going over the invoice as he showed me what added up to the amount owed. About 20 minutes into the conversation Mr. XXXX stated XXXX had every right to demand XXXX from us. I stopped him there and asked was he mistaken with that figure. He stated no, that was the amount owed. I asked him where in the document I could find this and he told me to hold, coming back a moment later asking me where specifically I was looking and then to just go ahead and throw that one out. Mr. XXXX then continued to speak of payment of this larger figure, to which I said I would not continue or agree to anything without a correct bill. He intimidated me saying he had calls on hold and he needed to say his piece, which I didnt allow. We ended the conversation. At XXXX that same day I received an email with a note in the body stating please see correct documents requested. Satisfied that his response was quick and I could see a breakdown for the total of {$6400.00} only to find the same invoice that was previously sent for {$5800.00}. I have sent two emails since requesting the information I am owed before my first payment of {$1000.00} is due XX/XX/XXXX. We have received no response. I do not feel comfortable sending in payments for a claim I have received ever changing figures for. I should have had those invoices in hand before Mr. XXXX initially called my husband threatening to revoke his license. It is an extreme amount to pay with no assurances how much is due and if that amount will change again. It feels like that are pocketing money.
Product: Mortgage

I was close to the end of my loan and my mortgage company sent me an email with PDF letter attachment. The communication from the company said they were sending me a complimentary payoff amount letter. When I went to pay off the loan they charged me {$30.00} for the payoff letter. I wrote them 2x advising them of their communication saying this was complimentary. Both times they replied, without specifically addressing my actual complaint, that the fee was valid and that they would not refund it. I am now submitting formal complaint in hopes to get my {$30.00} back. Obviously that is not a lot of money but when they say they are giving me something for free and then turn around and charge me for it, that is not right. What else are they doing to their other customers. Hopefully this complaint helps fix the system. And yes, I can share that email and PDF from them with you guys. Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX  Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/2018 Balance : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$520.00} XX/XX/XXXX, XXXX, XXXX XXXX, {$920.00} XXXX XXXX, XXXX, {$500.00} Account Never Granted Closed by XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, {$2700.00} XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX {$1000.00} The collection and credit reporting agencies have broke the following laws according to the FCRA : 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s -2 Please remove immediately
Product: Credit reporting or other personal consumer reports

This complaint is for EXPERIAN, XXXX and XXXX it has come to my attention that your agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) for accepting and reporting false, poor, inaccurate, and misleading information regarding more than 20 180-day late payment notations reporting subsequently each passing month. Under the FCRA, consumer reporting agencies such as EXPERIAN, XXXX, and XXXX are obligated to uphold maximum accuracy in the reports they furnish. Accepting and disseminating such inaccurate information without raising questions or conducting a thorough investigation is a clear violation of your responsibility to ensure the accuracy and integrity of the reports. Pursuant to 15 USC 1681i ( a ) of the FCRA, I am hereby requesting that your agencies commence a thorough reinvestigation regarding the account with XXXX XXXX within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Student loan

I called mohela on XX/XX/year> to request a refund for XXXX XXXX forbearance payments that I made. The representative told me that she submitted the request. The payment request would have totaled {$690.00} I called mohela back today XX/XX/XXXX and was told that XXXX XX/XX/XXXX forbearance was not placed on my account and I would not get those payments back. Mohela constantly lies to me about my status and doesn't communicate well. I have sent multiple messages on their online portal to which I may get a generic response here and there. 

I was also told back in XXXX by a mohela representative in training that my loans were paid in full and not to worry. All these call are recorded. My loans in fact were not paid in full but were consolidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX Owed : {$10000.00}
Product: Credit card

* First and Foremost, Glad to see CFPB is SUING Capital One for Avoiding Capital One sued by US CFPB for avoiding billions in interest payments. So WELL DESERVED. 
I am a long standing XXXX XXXX Credit Card holder ... my account is excellent standing. 
On XXXX XXXX, Capital One charged me {$59.00} for MEMBERSHIP Fee due on XX/XX/XXXX for a Credit Card that I have NEVER received in spite of Capital One Telephone ( XXXX ) XXXX XXXX stating Capital One mailed my new card and if I wanted to active it. I have repeated reported to Capital One XXXX XXXX, that I have NEVER Received any cards related to my account. On XX/XX/XXXX, the {$59.00} membership fee was paid and posted. 
I have filed numerous complaints with CFPB regarding this issue that I have had with Capital One for years. Capital One is CORRUPT and ACTIONS need to be taken to Eliminate the corruption. Also, Capital One should NOT be allowed to acquire XXXX XXXX and the XXXX New XXXX XXXX should be URGED to Block any/all Capital One attempts to acquired XXXX. HOLD Capital One accountable for XXXX!!!
Product: Credit card or prepaid card

On XX/XX/21 I closed my netspend all access card so I wouldn't get any unauthorized transactions due to me no longer having my card in my possession because of potential theft. On XX/XX/21 netspend still let an unauthorized {$260.00} transaction occur. I then called to file a dispute and my card was canceled and a reported stolen. From there I was told by customer service that if they were still investigating the dispute that I would get a provisional credit to my account within 10 business days. Now it's the end of XXXX and no one contacted me on this matter. I called netspend they told me I was supposed to send a statement to the dispute email which I was never told to. The only email I received was to email customer service support with my dispute which I did. I was told that since I didn't send a Statement to the dispute department I was not going to get the credit they told me I was going to receive and no one ever told me about sending anything to their dispute department. So I find this to be unacceptable and feel like they totally lied to me and gave me the run around. Customer service was not helpful and said it was nothing she nor I could do but wait 45 more days of investigating. I asked to speak to a supervisor and was waiting on hold over 45 minutes no one ever came to the phone. I don't think it's right to have a pilocy and then not hold up to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call Transunion XXXX XX/XX/2020 call to dispute and call USBK court Nevada.
Product: Credit card or prepaid card

I ordered clothing while at a store in XXXX, XXXX for {$1800.00} using my Chase XXXX credit card on XX/XX/XXXX. The following day the store sent a person to do some measuring at which time I noticed the materials did not match those I chose in the store. I ask the store to cancel the order, but they refused to do so. I immediately contacted Chase to dispute the credit card charges. When the clothing arrived, it was not what I ordered and the materials manifest on the package clearly states the materials were not what I ordered. I repeatedly tried to contact the store to a obtain a return authorization and return address to return the clothing for a full refund, but the store did not respond or provide an address to return the clothing. I received a letter from Chase on XX/XX/XXXX stating the charges were valid because the store did not receive the clothing I attempted to return. I reopened the case with Chase and informed Chase that I had attempted to return the clothing to the store but was unsuccessful in getting a response from the store and that is why I still had the clothing via writing and a telephone conversation. On XX/XX/XXXX I received another letter from Chase stating the charges were valid due to the amount of time that has passed. I believe Chase has made mistakes in handling this dispute. The merchandise I received was not what I ordered. Chase incorrectly assumed I had and was able to return the merchandise, but the merchant did not answer their phone or emails in order to provide me with a return shipping address and I had informed them of this problem before they made their determination. 

The merchant has not provided to Chase any documentation that states the quality of the clothing. The merchant provided documentation on the box of the sent clothing to me that is different than they described to me at time of purchase ( attachment XXXX ). The merchant has provided sales drafts that are completely different than the ones they provided me ( attachments XXXX and XXXX ). The sales drafts the merchant provided me do not state that the clothing is non-refundable nor do they contain my signature, nor are the signatures on the sales drafts provided to Chase by the merchant my signature indicating fraud by the merchant. I believe Chase has inadequately evaluated the provided documentation I submitted and negligently investigated my dispute and therefore a billing error remains in effect.
Product: Debt collection

Case no : XXXX CFPB closed this case prematurely. Discover clearly states in their letter to expect a response within 30-90 days and CFPB closed the case before the response was received. Please reopen the case as it is NOT settled. 
We can solve this case in one day. All Discover bank has to do is to show the signature on the credit card application form AND the I.D . Used by the applicant and we will have our answer. 
Like I said I was living overseas since 2010 with NO legal address or utility bills hence could not produced the same. 
Do the right thing. Do not close this case until it is resolved. 
Thank you. 
XXXX. XXXX XXXX. 
( XXXX ) XXXX.
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. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX accounts has been resolved with Transunion in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Student loan

They said i went XXXX XXXX  something, i never did I never ask for a loan because my situation is i didn't even finish XXXX grade last time was XXXX  at XXXX XXXX high i summit all paper work year after year now they did they never got nothing Im homeless I don't have any of my record is been more than 7 year me trying to clear this but they never give me a result my signature doesn't even come closely to mine
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX [ Your Phone Number ] XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Dear Sir/Madam, I'm writing in response to your recent communication regarding the alleged debt associated with Account ending in XXXX. It's noted that my credit card account with a balance of {$730.00} and its associated agreement were sold and transferred to Portfolio Recovery Associates , LLC on or about XX/XX/XXXX. Hence, I am advised not to send future payments to XXXX XXXX. 

Despite previous communications, I maintain my dispute concerning the validity of the debt claimed by Portfolio Recovery Associates , LLC. I've consistently requested evidence of my original agreement with your organization, including a copy of any contract bearing my wet signature with Portfolio Recovery Associates , LLC. Unfortunately, this request remains unfulfilled. Therefore, I formally request a cease and desist on further collection attempts. 

Furthermore, I wish to address the information provided by XXXX XXXXXXXX XXXX regarding the purported debt. While it's stated that an account was originated on XXXX XXXX, XXXX, under the name XXXX XXXX XXXX, I affirm that I have never entered into any contractual agreement with Portfolio Recovery Associates , LLC. 

In light of findings from the investigation conducted by the Consumer Financial Protection Bureau ( CFPB ), it's evident that the burden of proof regarding the legitimacy of this debt has not been adequately met. Moreover, I emphasize that in Alabama, the statute of limitations for debt collection lawsuits on an open account, such as a credit card account, is XXXX years from the date of the last action on the account. 

Additionally, Portfolio Recovery Associates has faced regulatory actions due to their practices, including violations such as collecting on unsubstantiated debt and filing misleading affidavits. Consequently, I dispute any claims to rights or obligations stemming from an alleged debt that has not been substantiated with verifiable evidence. 

The CFPB filed a complaint and proposed judgment against XXXX on XX/XX/XXXX, requiring XXXX to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX as a civil penalty. XXXX also agreed to settle a multidistrict litigation for making autodialed calls to consumer cell phones without consent from XX/XX/XXXX to XX/XX/XXXX. 

Given the circumstances, I refuse to provide a signature in support of what I perceive to be unfair and potentially fraudulent collection practices. I assert my right to demand the removal of any inaccuracies associated with this disputed debt from all credit reporting agencies. 

In conclusion, I urge Portfolio Recovery Associates , LLC to cease all collection efforts and to promptly address the concerns raised in this correspondence. Failure to do so may result in further escalation of this matter through legal channels. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX