23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates are the scum of the earth. Fraudsters and bottom feeders, and they have tainted my otherwise perfect credit report. In the middle of a pandemic I was rejected credit ( I'm a month behind on rent already ) because I found out my score dropped from XXXX to XXXX thanks to the bottom feeders at Portfolio Recovery Associates. They fraudulently added 3 collection accounts to my credit report 'see attached. None of which is mine, the worst part is the XXXX XXXX  $ XXXX collection account was fraud. I fought it and still have document from XXXX XXXX stating I never have anything to do with it. I've never done business with XXXX XXXX either, the original creditor of the 2 other accounts. 

Your fraudulent garbage is to be removed from my reports immediately! I'm also seeking legal help because this is simply unfair. They are literally destroying lives chasing a cheap buck, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a circus for 3 months now. My equifax credit score was restored to XXXX where it belongs a week ago and you dropped it again for no reason. XXXX is the culprit here but it has already been established. I have never seen so much XXXX and incompetence in my whole life, unless this is just deliberate mean action to keep a consumer like myselfs credit low. On Monday XX/XX/2020 I will be filing a civil lawsuit against XXXX. I will win that lawsuit. If need b I will include all of the credit reporting agaencies as well.
Product: Credit reporting or other personal consumer reports

Nelnet, XXXX XXXX XXXX, and Department XXXX XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( XXXX  ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Product: Debt collection

XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!
Product: Debt collection

I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to XXXX computers from XX/XX/XXXX which I do n't own and that I was contacted in XX/XX/XXXX and refused to pay. I immediately XXXX the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around {$4000.00} from some company that never contacted me prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

not reporting correctlyon my report already tried to dispute with company information not correct under section XXXX & XXXX they have not been verified
Product: Debt collection

Affidavit of Fact dated XX/XX/2018 Writ in the Nature of Discovery stating that House Joint Resolution 192, Article I Section X of the U.S. Constitution, and Clearfield Doctrine give me a right to pay my debts in Gold or Silver for which there is no such currency in America. I have conducted a XXXX XXXX XXXX XXXX XXXX to add as evidence of their being no debt under the name used in or on this account given from Discover Bank along with a Court Ordered Adult Name Change filed as completed. XXXX XXXX XXXX has also sent a letter stating that their going to charge off the account by Grantor when their are the Obligated party to pay such debt as mentioned in my Affidavit of Fact which went uncontested For the Record that falls into Default Judgement as well.
Product: Debt collection

I found out about this account XX/XX/XXXX. I found waypoint resources based out of Texas has reported on my credit. I never received no documentation or letter regarding XXXX XXXX. I also have two collections collecting on the same debt credit collections in XXXX  also collecting. Which they was paid XXXX   for the balance. Waypoint resources refused to help resolve issue.

From XX/XX/XXXX- XX/XX/XXXX my apartment was damage to Hurricane Irma. I moved back in my apartment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} MXXXX XXXXXXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

I was taken for over XXXX out of my account and was told I had something to do with it but I has called customer service and they went into my account and taken my money and the customer service hung up the phone when I asked them why my account was taken the money out of my account they hung up the phone. I called back and they never answer my calls for a while I called my bank that was attached and they couldn't help me they told me I had to call cash app. When I tried calling they said I owe the money. And it's nothing they can do.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 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

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT.

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I notice that my wife XXXX Account was removed from my credit report as a authorize user which is my wife account. I called both party Experian and XXXX asking why was it removed, Experian claims it was XXXX who removed, and XXXX claims they always reports, so now my credit score has down from XXXX to XXXX for a unknown reason, as of this month it still not showing on my report. But the two XXXX Account will show manage membership account, and both XXXX accounts are still active.
Product: Student loan

these loans are fraud and ive have r	he right to recission when fraud is apply to the contract... .usc 15 1611 willful and kownly committing fraud im giving then 20 days to send ne a payoff letter or have the inspector general file a lawsuit and then ill see them in court these loans should been discharge when the lawsuit was settle plese see attach paperwork
Product: Debt collection

I am not familiar with two debts which are being reported to my credit reports by Portfolio Recovery Associates. I have disputed the information in accordance with the FCRA and requested validation in accordance with the FCRA and FDCPA. One of the accounts continue to report to all three of my credit reports, while the second one still reports to two of the credit reports. I have never received any response from my attempts to validate the debt with this company.
Product: Mortgage

I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.
Product: Credit card

I have a dell/comenity credit card used to purchase one computer. Later, I went to my bank, XXXX XXXX XXXX XXXX, and got a debt consolidation loan to get a better interest rate. This was one of three accounts we decided to pay off and wrap into this loan. The other two went fine. But after Dell cashed the check they refused to credit my account. We have provided numberous times the check number, date it was mailed, date it was cashed, copies of the deposited check ( front and back ) and account it was recorded to at dell. But after two investigations with dell they refuse to credit the account. I disputed with transunion and received a cryptid investigation report which my bank and I didnt understand, but we do understand the debt still shows as owed. XXXX XXXX has offered to speak for me. This has taken MANY hours and call and documents and stress. I have downloaded these same documents to dell directly on their website numerous times and with their employee on the phone to verify they got it. Don't listen when they say I didn't. I sure as heck did! Now I owe my bank and dell. Please help make dell fairly credit my account for my payment.
Product: Debt collection

DEAR SYNCB/TJX COS ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ XXXX XXXX ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. Account Name : XXXX XXXX AND XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. Send me a copy of my credit report once you have done my request. My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX, XXXX and XXXX are complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.
Product: Debt collection

Someone stole my identity I never had a robinhood account this is results of identity theft account XXXX
Product: Credit card or prepaid card

I am visiting from XXXX, and wanted to purchase a prepaid XXXX card to make a online retail purchase, as the retailer does not accept credit cards that do not have a XXXX billing address. On XX/XX/XXXX, I purchased {$100.00} on a variable amount prepaid XXXX gift Card from XXXX # XXXX in XXXX XXXX, CA at XXXX am PST. The card is issued by U.S. Bank National Association. The tab covering the XXXX digit number was intact, and the cashier gave me an Activation slip showing the card was " activated '', and had a {$100.00} balance. I went to the card provided website to register the card, and after XXXX or more attempts to register the card, I was directed to call the website. After waiting for XXXX minutes to speak to an agent, I was told that someone had tried to use the number on my card on XX/XX/XXXX, XXXX days PRIOR to my purchase, and my card was no longer active. The card could not be reactivated for me to use, and my ONLY RECOURSE is to have a new card mailed to me within XXXX business days to the XXXX address where I am staying. 
I am returning to XXXX on XX/XX/XXXX, and the issuing institution is '' unable '' to either provide me with a new card number over the phone for me to use online immediately, or expedite sending me the new card prior to me returning to XXXX, as " their courier can not guarantee delivery from XXXX, FL within XXXX days due to the holiday ''. 
The card can not be used outside of the XXXX, so I can not have it sent to XXXX to be used there. I essentially have lost {$100.00} XXXX ( {$100.00} plus the {$5.00} activation fee ) as I can't make the purchase I intended prior to returning to XXXX, and I won't be at the address they are sending the new card to use it. 
The fraud in my situation is not that someone tried to make a purchase with the number on the card I selected prior to being purchased. The fraud was committed when the issuing institution, U.S.Bank National Association, allowed the retailer ( XXXX # XXXX ) to accept payment and provide an " Activation Status Receipt ", knowing the purchaser would NOT be able to use the card until they called the issuing institution to find out why the card didn't work. 
The issuing institution is essentially stealing my money for XXXX days, and charging me a fee of {$5.00} to earn interest on my money while I wait for them to return the stolen funds. If I had not call them, but tried to use the card at an in person retailer or restaurant, I could have faced humiliation, embarrassment, or even legal consequences as the card I expected to be " Activated ", ( I wasprovided me with a " Activation receipt " ), would have been rejected, and perhaps had no other funds to pay.
Product: Debt collection

ConServe is attempting to collect a debt owed on an XXXX loan to the U.S. Government. They are charging interest and 1/3 admin fee, and refused to offer a settlement or allow me to make a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed inaccurate and unauthorized information reporting on my behalf, and it is to my knowledge per the Fair Credit Reporting Act ( FCRA ) that any inaccurate or unverifiable items be removed. I am therefore requesting that the inaccurate information be removed from my credit report. The following account is not mine and need to be removed : XXXX XXXX XXXX XXXX I've also submitted an FTC report which I attached.
Product: Debt collection

When I checked my credit report I saw that a company called XXXX XXXX XXXX was reporting that I have an account with them. They are reporting that I have a balance of {$7300.00} and I have a past due balance as payments have not been made. Once I noticed this on my report I immediately sent a letter to dispute and request valid proof that I owe them this debt. They received and signed for my letter on XXXX XXXX 2017. I sent the letter certified mail and received a signature confirmation. They sent me a response on XXXX XXXX 2017 stating that they do not have any documentation with my signature or any valid proof that I have any contractual obligation to pay them. All they have are statements showing a purchase which is not considered valid proof under federal laws ( FDCRA, FCRA ). I sent them a response letter again requesting validation of the debt ; I informed them that if they can not validate the debt they have to remove the information from my credit report by federal law requirements. They received and signed for my letter on XXXX XXXX 2017.  They never responded and they also failed to add a " notice of dispute '' to my credit report within 30 days of receiving my original dispute letter. On XXXX XXXX 2017 I pulled my credit report and saved a dated copy as proof that they did not add a notice of dispute. I sent another letter to inform them that they violated the law and should remove the derogatory and incorrect account from my credit reports to prevent further action. They received and signed for my letter on XXXX XXXX 2017. I even spoke to them on the phone on XXXX XXXX 2017, I was informed that no investigation had been opened and that they would open one now which could take up to 60 days to complete. This is unacceptable. They do not have any proof to validate this debt and therefore they are in violation of the law of they continue reporting it.
Product: Credit card or prepaid card

At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I attempted to request a copy of my free annual credit report from Equifax and received error code NH. 

On XX/XX/year> I submitted a complaint to the CFPB due to submitting requested documents to Equifax by mail on XX/XX/year> and still could not receive a copy of my free annual credit report. 

On XX/XX/year> the company responded to my complaint stating that they had resolved the issue and that I could request my free annual credit report with no issue. 

On XX/XX/year> I attempted to request my free annual credit report from Equifax using the website annualcreditreport.com and still received an error message " NH '' and to contact customer service for assistance. I contacted customer service submitted my identification for verification and still was not given my free annual credit report. 

On XX/XX/year> I attempted to request my free annual credit report from Equifax and again was denied my free annual credit report. The annual website referred me to Equifax 's website and I again received error code : NH. I contacted the customer service phone number and spoke with an agent whom informed me that my file was correct and active but in order to receive my free annual credit report I would need to submit my social security card and driver 's license to them by mail and once they receive the documents it would take 5 business days to process and then they would send me a letter notifying me that I may request my annual credit report.