23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Letter of Removal Dear Portfolio Recovery Associates, I am writing to formally request the removal of my debt from your records and the cessation of any further collection activities related to the alleged debt. After careful consideration and several attempts to resolve this matter, I have discovered multiple issues that raise concerns regarding the legitimacy and legality of the debt collection process. 

Firstly, I have sent three dispute letters to Portfolio Recovery Associates regarding the lack of proof of the alleged debt 's profitability. Despite my requests, I have not received any satisfactory evidence or documentation supporting the validity of the debt. This failure to provide essential information raises serious doubts about the accuracy and legality of the debt in question. 

Furthermore, upon conducting thorough research, I have found that Portfolio Recovery Associates lacks the necessary license in California to collect on a debt. As per the information provided on your website and various regulatory documents, there is no mention of Portfolio Recovery Associates holding a valid license for debt collection activities in California. This oversight further undermines the legitimacy of your claim to collect the alleged debt from me. 

Based on the aforementioned reasons and the absence of proper documentation, I kindly request that you immediately : Cease all collection activities related to the alleged debt. 
Remove any negative reporting on my credit profile associated with this debt. 
Confirm in writing that the debt has been nullified and no further collection attempts will be made. 
Failure to comply with this request may result in legal action being pursued against Portfolio Recovery Associates for violation of debt collection laws and regulations. 

I expect a prompt response within [ number of days, e.g., 30 days ] from the receipt of this letter. Please send all correspondence regarding this matter to the address mentioned above or via email at [ your email address ]. Additionally, I request that all future communication be conducted in writing to maintain a clear record of our interactions. 

Thank you for your immediate attention to this matter. I trust that you will handle this issue professionally and in accordance with the law. I look forward to receiving written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report, which I believe violates 15 USC 16c-2. This incorrect information is affecting my credit standing, and the inquiries listed were not authorized by me.
Product: Debt collection

I am being billed for a XXXX debt that was paid and settled in XXXX. I have emailed and written to the company and the response I received was : '' Hello. We will certainly notate your account of your dispute, and collections will continue. '' XXXX XXXX XXXX XXXX XXXX XXXX of Client Services I have contacted the original creditor, XXXX XXXX XXXX and they confirmed that I have no outstand balance in collections. The account number provided by Debt Recovery Solutions as the original account number is not even one of their account numbers. 

I believe this is a fraudulent attempt to collect on a debt that doesn't exist.
Product: Vehicle loan or lease

The following documents are the information I originally purchased this car. I am confused and don't understand where the total amount of XXXX for the car attached to this form came from? Is it fake?
Product: Credit reporting or other personal consumer reports

Dear [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to demand the immediate removal of a fraudulent collection account reported by LVNV Funding LLC for {$1700.00}, which was opened on XX/XX/XXXX, without my knowledge due to identity theft. This account is not mine, and I have provided ample documentation to prove this. 

In XX/XX/XXXX, I submitted a data breach letter confirming that my personal information had been compromised, making me a victim of identity theft. Additionally, at your request, I signed and returned an identity theft affidavit on XX/XX/XXXX. Despite fulfilling all necessary requirements, this fraudulent account remains on my credit report, causing significant harm, including a credit score drop of over XXXX points. 

Furthermore, I have reason to believe that the third-party company handling this debt has stolen my identity and used my information without my consent. I never authorized them to access or use my personal data, making their actions both fraudulent and illegal. 

Your failure to immediately remove this fraudulent account constitutes a violation of my rights under : FCRA [ 15 U.S.C. 1681c-2 ] : Requires the blocking of fraudulent information when identity theft is reported and verified. 
FCRA [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting inaccurate information and mandates that they conduct a thorough investigation. 
FDCPA [ 15 U.S.C. 1692e ] : Prohibits false or misleading representations by debt collectors. 
FCRA [ 15 U.S.C. 1681i ] : Mandates that credit bureaus correct or delete inaccurate or unverifiable information within 30 days of a dispute. 
I demand that this issue be resolved immediatelywithout further unnecessary back and forth. Specifically : Permanently delete this LVNV Funding LLC account from my credit report. 
Provide written confirmation that this account has been removed and will not be reinserted. 
Restore my credit score to reflect the removal of this fraudulent account. 
Cease and desist all reporting of this fraudulent debt. 
If this matter is not resolved immediately, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office for further investigation. I am also prepared to pursue legal action for the damages caused by this negligent and unlawful reporting. 

This is my final notice. I expect written confirmation of compliance within the required XXXX timeframe [ 15 U.S.C. 1681i ( a ) ]. Failure to act will result in formal complaints and legal consequences. 

Sincerely,
Product: Student loan

Earlier this spring, I went through the process of loan forgiveness via PSLF program. My federal loan was noted as having a XXXX balance as of XX/XX/2023 after completing the program requirements. I received a letter stating as such. I have been trying to contact MOHELA since late summer to present date, regarding my credit report. My credit report still list the full balance of {$110000.00} due MOHELA. Each time I try and reach out to this company, I am unable to get a representative on the phone, despite remaining on hold for up to two hours per phone call. I have tried several times a week starting at the end of XX/XX/2023. I have also sent messages through the email portal which have remained unanswered. I would like to get this balance noted as paid in full or removed from my credit report. It is now negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet XXXX  and equifax has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.
Product: Debt collection

Auto loan paid in full. Balance is 0, account is closed. Lender keeps calling 3 times a day, everyday.
Product: Debt collection

Valentine & Kebartas is the company trying to contact me. The first representative was extremely rude and would not disclose the company he was calling from. I had to do my own research to figure out who they were. I was not comfortable with the first agent so I requested for a supervisor to call me back. I spoke to the supervisor and was told I would receive a call the following XXXX. I did not hear back until that following XXXX  and each phone call that I received until today I have answered, no one speaks and then they hang up. I had to call back multiple times today just to get in contact with someone and was met with an extremely pushy and rude supervisor. I tried to explain my concerns to this individual who told me that there has been no one on his team that has been difficult with me, and that when I want to settle my debt to call him back. I also asked for documentation of this matter before I give them any info and it didn't really seem like they could give me anything. I am very frustrated as I want to clear this up, but I am not comfortable giving any of my information to this company.
Product: Credit card

On XX/XX/2024, I called Care Credit to find out why, despite paying {$100.00} every month when the minimum payment was only {$62.00}, my balance was not going down. The representative went through my bill and told me that the interest was {$38.00}, and the 'credit card insurance ' was {$30.00} per month. I asked him what was the 'credit card insurance ' fee as I was never aware of this monthly charge. He said when you get a Care Credit credit card, that is automatically added and that I would have to 'opt out ' to get it removed. This was news to me and I was shocked. I had not idea as this was never told to me at all. I would NEVER have agreed to an additional {$30.00} per month for credit card insurance. I thought that was outrageous that they did that. He mentioned he would remove that charge but I should call the company who provides that service and he gave me their number. I then called the company and asked what was the name of this company and she said the company name is XXXX XXXX. The rep there mentioned that I 'opted in " for this additional charge and service. I told her that is not what Care Credit just told me as they told me I was automatically enrolled in this and I was to 'opt out ' if I did not want it. I said, " how would I know to opt out of this if I had no clue about it in the first place ''. So XXXX different stories from each company as to how I was 'enrolled ' in this nonsense credit card insurance. I told in NO WAY would I have ever agreed to opt in for type of additional service. Never would I agree to have a {$30.00} dollar per month charge added to my bill which also, drives my interest rate up further. I struggle to pay my monthly bills as it is and in no way would I ever agree to such a charge. She then mentioned I 'checked the box ' on the application. I asked for that proof as I know I would have never opted for that. She told me she would be willing to give me a {$390.00} credit back. I initially said yes and we hung up. I immediately called back and asked for a full refund as I know I did not 'check that box '. 

I have requested proof of my application and where I opted for this service. The company stated I can not get that proof and they had mailed me some sort of package. 
I did not receive that package they are referencing. When I speak to the reps there, according to them, they can see where I 'checked the box '. If they can see it then they can send me that proof which they refuse to send me after several attempts to get this. 

They say I check the box and I say I DID NOT. Send me the proof. 

XXXX XXXX
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report, even after multiple dispute attempts. Despite my efforts, the information remains incorrect and continues to impact my credit profile negatively. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, violating the FCRAs requirement to remove such data after the legally allowed time frame.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of the disputed accounts or provided proof of their accuracy.

FCRA Section 1681e ( b ) ( Accuracy of Information ) By continuing to report inaccurate information, the credit bureaus have failed to ensure that my credit report reflects the maximum possible accuracy.

I request that the CFPB investigate these violations and ensure that the credit bureaus take corrective action to address these issues and bring my credit report into compliance with the FCRA.
Product: Debt collection

Account was closed in XX/XX/2019 and then new account was opened by XXXX. 
I paid debt in full prior to this. I repeatedly told the representative to not close account because I didnt not have issue with my current contract. The representative insisted it was in good standing and paid in full. By opening a new account without my consent this inherited a debt that I was fraudulently charged for. Ive asked numerous times for phone transcripts and either I get hung up on or denied information. I am requesting phone transcripts and detailed information concerning this account legally how can they refuse but yet still demand money?!
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. 

Account Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with XXXX, Transunion, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit card or prepaid card

I had a crewed several hundred thousand miles on PenFed travel card only to find they expired them without giving me meaningful and apparent notice.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off and Request for Validation To Whom It May Concern, I am writing to formally dispute the charge-off reported on my credit report under [ XXXX XXXX XXXX ] i

n accordance with my rights under federal law. I believe this charge-off is inaccurate or unverifiable. Additionally, I am requesting a full validation of the alleged debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692g, I request that you provide : 1. The name and address of the original creditor. 2. A detailed explanation of the nature of the alleged debt, including how the amount claimed was calculated. 3. Documentation showing that I am legally obligated to pay the alleged debt. Furthermore, under 15 U.S.C. 1635, I am asserting my right to rescind any agreement tied to this account if applicable, due to misrepresentation, errors, or failure to disclose terms in accordance with the Truth in Lending Act. If this charge-off stems from a contractual agreement with inaccurate or omitted disclosures, I reserve the right to exercise this rescission. Until this debt is validated and all legal obligations have been met, I request that you immediately cease any collection activity, including reporting this account to credit bureaus. Continuing to pursue collection without proper validation constitutes a violation of the FDCPA and my consumer rights. If you can not validate this debt or confirm its accuracy, I request that this account be immediately deleted from my credit file, and any adverse information related to this account be removed. Please respond to this dispute within the timeframes required by law. I look forward to your prompt attention to this matter. You may contact me in writing at the address listed above if you require further information.

Sincerely, XXXX XXXX Account Number XXXX Please forward all documentation to the following address.

Enclosed is copy of identification, social security number, voter registration card and copy of U.S. Mail. 
XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Trans Union keep sending out stall letter stating they can't verify me, now enclosed is verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Will include attachments of dates of denial emails on two different occasions on tw separate pre-approvals. I was invited to apply for credit and loans with Upgrade with a decent credit score. I will attach the minimum scores they normally approve consumer applications with XXXX or higher.
Product: Checking or savings account

When Suntrust merged with Truist, I expected a new debit card. In mid XX/XX/2022, I received a call from Truist asking me to contact the support team about a potentially fraudulent charge on my debit card. I confirmed the charge wasn't mine. Of course, my current debit card was then frozen. It took two trips to the local branch and spending multiple hours to obtain a temporary card. Meanwhile, my new permanent card has never arrived. I was told it was mailed XX/XX/XXXX. It is now XX/XX/XXXX. On XX/XX/2022, I receive a post card from Truist stating my PIN had been changed and it reported the new number. The card stated that if I did not request the new PIN to contact Truist at XXXX Whenever I call, I am placed on hold for hours at a time. I can not call them and do my work also. I can find no place to contact Truist to request a new debit card be sent to me. I can't take time during the day to go to my local branch due to my job responsibilities. All I want is my new debit card and to confirm that I never requested this new PIN and to make sure the PIN given is not associated with my account in any way.
Product: Debt collection

The debt in question is older than 7 years and should be removed from my credit report. 

The company is misrepresenting the amount of time it has been since the first late payment was made. 

The first late payment to the client was made in XX/XX/2016 the debt collection company is attempting to state the first late payment was XXXX of 2016. 

This is not true I was evicted by XXXX of 2016. 

An item should be removed from a credit report 7 years after the first late payment is made.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
BANK OF AMERICA XXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : 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 consent.

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 then Records of convictions of crimes which antedates the report by more then 7 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 the information is in accurate.

This isnt not the first time, the three credit bureaus XXXX, Equifax and XXXX have violated my rights.

XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago.

This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them.

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.
Product: Checking or savings account

Bank does not let me transfer money out. 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was canceled for no reason ( Item # : XXXX ). 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was also canceled for no reason ( Item # : XXXX ). 

The bank would not let me transfer out more than {$25000.00} under any circumstance, even during the Covid-19 pandemic.