23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # 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 all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, and a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Over the past 12 months I have sent several dispute letters to XXXX asking them to verify the debt and they ignore my request and never do any investigations. I attached one the recent letters that I sent them and they completely ignored the letter. The letter that I sent included a copy of my driver license, social and recent bill and they ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me  and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
XXXX XXXX ( no acct # per XXXX XXXX ) unverified account/no contract
Product: Payday loan, title loan, personal loan, or advance loan

They are constantly harassing me and my family and friends. However worse than this, they are calling me at work after being asked to stop which violates the Fair Debt Collection Practices Act. They called my employer on more than XXXX occasion, which will end up making me lose my job. My husband and I are working with a credit relief company, XXXX XXXX, which they have also been informed of, I even provided them with XXXX XXXX phone number for them to call and speak to them, they refuse to do so and instead harass me, my family, my friends and my employer.
Product: Checking or savings account

sofi bank has put restriction on my account and not releasing the restriction for over XXXX months, i have no problem with credit and any other bank or financial institute please help
Product: Debt collection

The number XXXX has called nonstop and has left constant messages on my cellphone that are usually about 18 seconds long and are completely silent at random times of the day, usually during school hours, and even though they are automatically rejected in calls, they still call. After I looked up the number, it seemed to belong to XXXX XXXX and is widely reported as 'scam ' or illegally calling for fake debts, which led me to not answer. I am on the do not call list and despite that they have called me almost every day for the past month.
Product: Debt collection

XXXX XXXX XXXX XXXX : Ray Klein, Inc. dba Professional Credit Service Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : XXXX Description of the Issue : I am submitting this complaint regarding the unlawful and predatory debt collection practices of Ray Klein , Inc. ( dba Professional Credit Service ), which have violated federal and state consumer protection laws. On XX/XX/2024, Ray Klein , Inc. garnished {$6800.00} from my checking account without proper notice or adherence to Oregon law. This garnishment is tied to a medical debt that is beyond the statute of limitations for collection. 

Key Issues : 1. Improper Garnishment of Funds : The entire balance of {$6800.00} was taken from my account, leaving me with no funds for basic living expenses. This violates Oregon law, which requires at least {$2500.00} to remain in the account.

2. Failure to Provide Notice : I received no advance notice of the garnishment, which left me unable to contest or prepare for the financial impact.

3. Expired Debt : The medical debt in question is from XXXX, and is well past the statute of limitations for collection under Oregon law XXXX 
4. Improper Service : I was never properly served notice of the lawsuit tied to this garnishment. The documents were delivered to an address I no longer resided at, invalidating the service.

5. Harassment : Ray Klein, Inc. made attempts to garnish wages at a job I did not even work at, further highlighting the companys predatory and harassing behavior. They also pressured me for employment information during communications, which I felt was intimidating.

The companys actions are a clear violation of my consumer rights under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws. 

Impact of the Issue : The garnishment has caused severe financial hardship. I was left with no funds to cover essential bills, rent, or basic living expenses for XX/XX/2024. 
I have experienced significant emotional distress, including anxiety and embarrassment, as I had to take time off work to address this issue. 
My family has faced undue strain, particularly after Ray Klein, Inc. improperly attempted to garnish my husbands wages, even though the debt is solely in my name. 

Resolution Sought : I request the Consumer Financial Protection Bureau to : 1. Investigate Ray Klein , Inc. for violations of the FDCPA and other consumer protection laws.

2. Require the company to reimburse the improperly garnished funds immediately.

3. Ensure Ray Klein , Inc. ceases any further collection efforts, including garnishments or wage attempts, on this expired debt.

4. Hold the company accountable for harassment and violations of consumer protections.

Thank you for your attention to this matter. I appreciate your help in holding Ray Klein, Inc. accountable and ensuring that consumers are protected from such predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.
Product: Mortgage

Our mortgage is very delinquent. My husband got even further behind during my incarceration. I began incarceration on XX/XX/XXXX and just returned home on XX/XX/XXXX. I am now working two jobs and we will be able to comply with the mortgage payments going forward. The loan modification that my husband applied for while I was incarcerated was recently denied. I advised that my income was not included in the evaluation. I submitted an appeal and provided proof of income for both of my jobs. I seek to obtain a loan modification and not loose our home.
Product: Debt collection

I sent a let ter to National Credit Systems to vali date and verify derogatory information that is on my credit report o n   XXXX   XXXX   2017.  I have not received anything back from this company. I sent another letter the end o f  XX/XX/XXXX  wi ll still NO response.
Product: Checking or savings account

I have a checking account with M & T Bank. On XX/XX/XXXX, I notified my bank branch that there had been two duplicated ACH payments on my account, one for {$110.00} on XX/XX/XXXX and one for {$1000.00} on XX/XX/XXXX. I requested credit for each of these duplicated payments. The beneficiary in both cases was the XXXX XXXX, which has authority to debit my account via ACH and they have been doing so for several years. I first contacted the XXXX to see if they had inadvertently debited me twice. They assured me they had not and sent me a screen shot of their internal accounting records. I sent these to my bank. 

I asked the bank for credits. The bank manager called the XXXX to verify that they had not requested duplicate debits. I soon received a credit for {$110.00}, but the bank has been completely unresponsive regarding the duplicated amount of {$1000.00}. Over several weekd I have followed up repeatedly with my bank branch, and am told repeatedly that the matter is being investigated. I have asked to speak with whomever is conducting this investigation and my requests are ignored.
Product: Credit reporting or other personal consumer reports

I have recently noticed some fraudulent and inaccurate accounts on my consumer report that are affecting my personal life
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate accounts reporting in my credit reports which I have been disputing since XX/XX/XXXX but, to date, I have yet to receive one response from the credit bureaus. Per the FCRA, if the credit bureaus take longer than 30 days to respond or fail to respond to a dispute, they are to remove the information from a credit report. The credit bureaus have failed to respond to my disputes, they have failed to investigate the accounts, they have failed to fix the incorrect issues, and they have failed the law. Now, regarding the issues in my reports that I have been working on resolving, there are 6 DEPT OF EDXXXX accounts reporting 90 and 120 day late payments on my reports but, no 30 or 60 day late payments. Look at the attached reports, account # XXXX .... was reporting on-time in XX/XX/XXXX in the payment history and 90 days past due in XX/XX/XXXX. How can an account become 90 days past due in only 30 days? It can't this is an obvious mistake, one that the credit bureaus failed to fix over the course of the last 7 months. Same issue with account # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ... .. XXXX XXXX XXXX # XXXX XXXX. is reporting an on-time payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX and a 120 day late payment on XX/XX/XXXX. How did this account become 90 days past due in a period of only 30 days? Its an impossibility! There are also issues with a collection from XXXX XXXX # XXXX reporting on my reports, I have requested that the collection agency provide documentation proving my liability in this debt ( per FDCPA ) but, they have failed to respond with any documents and the credit bureaus continue to report this erroneous information. XXXX XXXX XXXX XXXX # XXXX .... agreed to defer payments due to COVID but, continued to report late payments in my credit reports, XXXX/XXXX # XXXX .... agreed to defer my payments and reduce them due to COVID but, also continued to report the late payments and actually charged off the debt- this was not part of our agreement. Look at the payment history, I continued to make reduced payments but, XXXX and XXXX XXXX reported incorrect information. XXXX XXXX XXXX # XXXX .... is an account I don't even remember opening so I requested a copy of the original contract on the account ( per section 609 of the FCRA ) but, no response again. As you can tell, I've been doing this for a while and working on resolving these blatantly incorrect issues. I am asking that you remove this incorrect information from my credit reports and hold the credit bureaus accountable for violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus XXXX  and TransUnion by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from Barclays on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted Barclays 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.
Product: Credit reporting or other personal consumer reports

A company called " XXXX '' has negligently and recklessely reported inaccurate information concerning my criminal background. They reported XXXX arrests that are both the subject of orders of non-disclosure. Another arrest in XXXX was also reported that has absoloutely nothing to do with me, but is instead the result of identity theft. 

I have already filed a Identity theft affidavit in connection with this arrest with the FTC. 

The potential employer was : XXXX... I was hired on the XXXX of XXXX. 
upon receiving the background findings, I was terminated and sent an adverse notice in my email inbox along with notice of termination. No '' Pre-adverse '' letter was ever issued to me. I was terminated on the XXXX of XXXX. 

Due to the reckless and careless behavior of XXXX, I suffered collateral damage that I feel I am entitled to recover from litigation.
Product: Mortgage

I am currently in Chapter XXXX bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because the there were no payments made XX/XX/XXXX. The trustee was holding onto the money to allow Ocwen time to file claim. My attorney file claim on my behalf after an additional fee on XX/XX/XXXX. Payment of {$16000.00} + was made to Ocwen however, they state they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen Rep who answered the phone apologized and I am receiving nothing in return for their mistake for not filing claim in a timely manner as well as no taxes. Only an apology.
Product: Consumer Loan

I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.
Product: Credit reporting or other personal consumer reports

Reason for Dispute : ABSOLUTE RESOLUTIONS INVESTMENT I am disputing the accuracy and validity of the above-referenced account on my credit report. This account is inaccurate, unverifiable, and has not been properly validated by the creditor. Under the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to ensure that all information in my credit file is both accurate and verifiable. 

The continued reporting of this item violates my rights under the FCRA. As such, I am requesting the immediate removal of this account unless the following can be provided : A copy of the original signed agreement that created this debt. 
Proof that the creditor has the legal right to collect on this account. 
An itemized breakdown of the balance, including the principal, interest, fees, and any payments applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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