23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint regarding Portfolio Recovery Associates ( PRA ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempt to collect XXXX debts I do not believe are mine. 

Debt # XXXX : XXXX. On XX/XX/year>, I sent a certified letter to PRA requesting validation of the debt. In this letter, I specifically requested : o Proof of my responsibility for the debt, such as a signed agreement with my wet signature.

o A copy of my photo ID used to open the account.

o Detailed accounting of the balance owed, including interest, fees, and charges.

o Documentation proving PRAs legal right to collect the debt.

2. PRA responded with an incomplete and insufficient documenta basic account summarywhich did not validate the debt or prove my liability. 


XXXX. On XX/XX/year>, I sent a follow-up certified letter reasserting my request for proper validation. PRA failed to respond to this second letter.

4. Despite this, PRA began or continued reporting this account to XXXX without validating the debt or providing sufficient notice. 


Debt # XXXX : XXXX. On XX/XX/year>, I sent a certified letter to PRA disputing this second debt and requesting validation. I included the same detailed demands as I did for the first debt ( e.g., wet signature, photo ID, accounting, and proof of ownership ).

2. PRA failed to respond to this request entirely, providing no documentation or validation for this account. 
3. On XX/XX/year>, I disputed this debt with Experian/Equifax/TransUnion, explaining that PRA had not validated the debt.

4. Despite PRAs lack of response, XXXX verified the debt as valid and kept it on my credit report.
Product: Mortgage

My husband and I are both XXXX XXXX and neither of us has any income at all due to the corona virus. We contacted our lender to ask for temporary forbearance, but they are telling us they will offer a 3 month forbearance and then the entire amount needs to be paid at the end of 3 months. How is this fair? If we end up being out of work for the full 3 months, are we supposed to perform a magic trick and instantly come up with the money in 3 months? Isn't it more fair to add the payments to the back end of the loan? That is what we are requesting.
Product: Mortgage

We sold our home. Paid off the loan. The bank continued to withdraw funds in the amount of the monthly payment AFTER the loan was paid in full. We caught the error when the withdraw was merely pending and notified the bank of the error. The bank refused to stop the withdraw. We asked them to return the charges. The bank refused and said they would send a check. It has been several weeks and the bank has been unresponsive to emails and phone calls have been unhelpful. It seems they intend to keep our extra payment. I don't understand how they can do this. The bank is Third Federal in XXXX.
Product: Vehicle loan or lease

Leased a vehicle from XXXX XXXX of XXXX in XX/XX/year> financed thru Hyundai finance. relocated to XXXX  from XXXX  in XX/XX/year> filled out title transfer to register vehicle in new state Hyundai finance did not release title to XXXX  Hyundai finance accuses dealership of not filling paperwork out correctly dealership has said that paperwork is filled out correctly verified with XXXX  XXXX that a title does exist and was sent back to Hyundai finance on XX/XX/XXXX of XXXX  XXXX is still refusing to send title to XXXX XXXX XXXX  expires in four days currently making payments on a vehicle that we Can not Legally Drive XXXX  hit us with a {$600.00} fee due to these issues no one is helping us have been working on for months calling Hyundai and dealership every day for almost 4 months. The dealer contact is XXXX XXXX. Have spoken to over 20 managers and employees from Hyundai finance.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Sequim Asset Solutions about a {$100.00} debt they received from XXXX XXXX XXXX XXXX for unpaid fees. I currently receive services from XXXX XXXX XXXX and pay monthly however they told me this from a previous account which was closed. The account was closed XX/XX/XXXX because billing responsibility was transferred to another account holder/ After the account closed, the old account accumulated recurring fees for a XXXX XXXX service I asked to cancel. I still made a payment in XX/XX/XXXX after learning the account was still not closed. A year and a few months later, I learned the recurring service for the XXXX XXXX was never cancelled and they sent the bill to collections ( Sequim Asset Solutions ). I was on the phone with over 10 different employees from XXXX XXXX XXXX for 9 hours just to find out that theres nothing that could be done and was left needing to pay for a bill on an account that was cancelled. I cried and have lost sleep since. This is by far the most traumatic thing that happened to me in such a challenging year.
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 
XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX
Product: Credit card or prepaid card

someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX  failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX  credit report lowering my score.
Product: Money transfer, virtual currency, or money service

XXXX : XXXX Helllo, dear 1. XXXX I made a wire transfer XXXX usd to my partner to purchase a car on the car auction who has account in Bank of America 2. XXXX it passed my corresponding bank and now payment is on approval in Bank of America I attached XXXX and all the required information 3. Regarding to the uetr-code, the payment is on approval in BofA since XXXX 4. XXXX I sent the inquiry on payment cancel due to long approval time-several messages from XXXX XXXX XXXX my correspondent bank ) were not replied Please help me to get the reply from bank and cancel it because I and the seller receive the greatest amount of penalties due to the contract conditions All my attempts of contacts to Bank of America were canceled, no action or support was made Waiting for your kind support and reply Uetr-code : XXXX XXXX  detail attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX, XXXX. 
Account number XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : 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 bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 10.2K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit See Attached : Enclosures : I have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed inwriting, upto and including but not solely limited to fraud and/or identity theft.

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003, Affidavit of Facts in Discovery, Exhibit A-B
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX XXXX XXXX. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a 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

in accordance with the Fair Credit reporting Act XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that XXXX XXXX XXXX XXXX had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX XXXX XXXX XXXX did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification XXXX XXXX XXXX XXXX received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. 
XXXX XXXX XXXX XXXX did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants XXXX XXXX XXXX XXXX to delete this entry. My continued efforts to remove this entry from my reports was through with a direct dispute to the company. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. XXXX XXXX XXXX XXXX did not provide the comprehensive account history for this account; including but not limited to all invoices, payments, notices, documents that bear my original signature and also any documentation that reflects I agreed to levelized billing with their company. The FCRA provides that utility companies may only provide or furnish information to the credit bureaus if they provided a consumer credit. 
XXXX XXXX XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Tennessee. XXXX XXXX XXXX XXXX did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. XXXX XXXX XXXX XXXX blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX XXXX XXXX XXXX should remunerate me for the violations.
Product: Money transfer, virtual currency, or money service

I use PayPal for several online purchases, specifically their app. I had to change one of my account numbers ( due to unrelated fraud on the account ). To keep this clearer : I had a XXXX card as my preferred charging option. New XXXX card was added the same day I got the new card. I set it as the preferred option again. I received no warnings that any subscriptions would need to be reviewed. I did not update or change anything for any of the other accounts. Today I log into my XXXX checking account and see my balance is considerably lower than I thought it should be and see that I have a PayPal transaction charged to it, which should have never happened. I did not authorize that. I immediately log into PayPal and see that not only did that transaction post but I have a second one that shows it has gone thru today as well. That will put my account negative and at this point, Im frustrated. I use my credit card for these purchases, not my checking account, because I keep the balance low intentionally and this is not what I authorized or signed up for. When I reached out to PayPal : their answer was to tell me they cant change was has posted. Never did they address my repeated complaint that the transactions were not authorized from that payment account. Their app should have had a warning or a prompt like youve changed your preferred payment : do you want to check your subscriptions too?
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. 

I do n't know this company or any of it affiliates.
Product: Debt collection

I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXXXXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : 1. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified.

2. The furnisher of the information must also be notified of any modifications or deletions to the consumers file.

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).
Product: Credit card or prepaid card

My Synchrony accounts were closed due to bias and XXXX. They do not want XXXX XXXX  that actually responsibly pay back their credit to have many accounts with them. I have never paid any of these accounts late. They have violated federal lending practices.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

( Account name XXXX Account number XXXX ) ( Account name XXXX XXXX XXXX Account number XXXX ) ( Address XXXX XXXX XXXX XXXX GA XXXX ) ( Address XXXX XXXX XXXX XXXX GA XXXX ) These accounts and addresses should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

The collection is not from the original creditor. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.
Product: Checking or savings account

My checking account is consistently being charged insufficient funds, sometimes more than once. I tried putting some back in savings but couldnt keep enough there being single mom. This is Trustmark bank an I am XXXX XXXX