23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never heard of this company before yet they have arbitrarily decided to show up on my Credit Report. They did not give me any notice of my right to dispute the debt and are in violation ( s ) of the California Rosenthal Act and it's federal counterpart the Fair Debt Collections Practices act.

I have never heard of this company in my life. I have also sent them a request to validate the debt, which is attached. I have faxed it and sent it to them via certified mail. According to the law, they are required to cease all Credit Reporting until they can abide by the FDCPA and FCRA.

I wanted to attempt to resolve this through the CFPB instead of filing a lawsuit, but of course, that will be next if they do not remove this item from my Credit Report ( s ) right away.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Citi contacted my husband about a credit card account that he is not on nor is an authorized user. They proceeded to try to get him to make a payment on the account. They told him how far behind and how much is owed on the card
Product: Credit card or prepaid card

I have approximately XXXX missing off of my card. I have tried to contact them at XXXX and XXXX and I can not get anyone on the phone to discuss the situation.
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 has violated my rights. Or 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

I noticed Unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Debt collection

On XX/XX/XXXX, I returned to work from a meeting and the front office receptionist said I had a missed a call from a woman who would not leave a message with her OR on my voicemail. She gave me a phone number : XXXX. I was on my way to another meeting so I couldnt get the full report of what was said, but the woman on the line refused to say where she was calling from and my receptionist implied that it was a debt collector which is embarrassing. Further, I don't owe any debts, so it must be inaccurate. My ID was stolen earlier in the year, and although I was able to recoup my losses from my bank, there are residual effects of my ID being available for all kinds of scams ; I assume this is from that. 

However, later today the woman called again to my direct line at work. She asked me to verify personal information and I refused because she would not tell me where she was calling from or why. She got increasingly aggressive. Ultimately, I told her that this was a business and if there is a personal or financial issue with me she can not reach me on a business line. About 10 minutes later she called again. 

It is extremely unprofessional for me to be placed in a situation where I could have a debt collector call my office multiple times a day. It is also not allowed after they have been told by an employer that employees can not receive these kinds of calls at work. Further, since she would not identify herself, it is unclear if this is a real claim of any kind or a scam. 

I looked up the number online, and it seems to belong to LTD Financial Services which has been sued before for bad business practices.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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
Product: Credit card

Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down XXXX points ) because the balance was instantly above my credit line. 
I feel it is because they do not have the capital to lend anymore ... is that legal.?
Product: Debt collection

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX home XXXX mobile Account : Portfolio Recovery Associates, LLC # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Seller : XXXX XXXX XXXX  XXXX In XX/XX/XXXX, I made arrangement for a debt that I originally owed to XXXX XXXX which was sold to Portfolio Recovery. To pay off this debt, I spoke to a representative at Portfolio Recovery, legal department. My arrangements were as follows : {$200.00} initial payment following {$100.00} each month ( XXXX day of each month ) and the last payment of {$65.00} due XX/XX/XXXX. 

The original amount due was {$2000.00}, Portfolio Recovery settlement in the amount of {$1400.00} plus {$200.00} court total due of {$1600.00}. I initially paid {$200.00} when I made these arrangements and {$100.00} would be due every month beginning XX/XX/XXXX until XX/XX/XXXX, and the last payment would be {$65.00} on XX/XX/XXXX. I have paid each payment until XX/XX/XXXX. My total remaining due is {$860.00}. 

To date I owe Portfolio Recovery {$860.00} which I verified today ( XX/XX/XXXX ) by calling them. On my credit report, all three agencies, it states that as of XX/XX/XXXX I owe {$1300.00}. I have called Portfolio Recovery numerous times. After, many, many, many calls, no action has been taken by Portfolio Recovery to correct the amount that I presently owe, {$860.00}. I have verified each month and complained about this error but they do nothing to correct the amount due with the credit agencies. ( XXXX, XXXX, XXXX  ). 

This seems to be against the law to not report the correct amount due on all 3 credit agencies. This continues to tarnish my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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
Product: Checking or savings account

I tried to make withdrawals from my IRA account with Merrill Lynch for three straight days from XX/XX/24 to XX/XX/24. Although my account balance shown on their web site was for more then I tried to withdrawal. They did not process the withdrawals stating that the funds were not availble. They could not even give me an answer why the funds were not available.
Product: Money transfer, virtual currency, or money service

I send money on XXXX XXXX. Promised availability is XX/XX/XXXX. Until now nothing receive but money was already drawn from my account. Called on the XXXX and they told me to call again within XXXX to XXXX. When I called again they told me the same thing. On the XXXX I received an email from Western Union customer care team that says that it the cause was a recent internal system update that affects the availability of the money and some transactions. I called again that day and the same answer, call again within XXXX to XXXX hrs. I called again today and talked to a supervisor and at first he said he didnt see the email that says about the recent internal system update. Theres no use of talking to them cause they dont know what is really happening and they keep on telling different answers to me. The problem said was already escalated to the right department on my 2nd call but nothing is being done. It was a very frustrating ordeal cause although it is a small amount but it is a hard earned money and my daughter needs it for their expenses in another country.
Product: Debt collection

A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?
Product: Mortgage

Select Portfolio Servicing Inc ( SPS ) sent a letter stating " Your Mortgage Has Been Referred For Legal Action ''. Further, the letter stated, " Select Portfolio Servicing, Inc. ( SPS ) the mortgage servicer on the above referenced account, has referred your account for legal action. However, you may still be able to avoid foreclosure. '' It goes on to outline " alternatives '' to foreclosure. Specifically on XXXX XXXX, 2016 we sent a RESPA Qualified Written Request for information demanding " Proof of authority from XXXX Bank XXXX XXXX XXXX Mortgage XXXX XXXX to conduct business on their behalf. '' Previously SPS had stated in correspondence the alleged involvement of the aforementioned entities in the subject mortgage. SPS has indicated that, in regard to the mortgage, " The Note Holder for XXXX Bank XXXX XXXX, as Trustee, Successor in interest to XXXX Bank, XXXX XXXX, as trustee for XXXX XXXX Mortgage XXXX XXXX. '' We have previously questioned SPS 's authority in the matter and have rejected and denied the profession of their role as servicer. SPS has not fully and properly responded to the RESPA request of XXXX XXXX, 2016 - there has been no detailed response to the inquiry. SPS now threatens us with legal action. We allege that their handing of this matter is in violation of FDCPA.
Product: Checking or savings account

My Chase XXXX feature is restricted on XX/XX/2023 Chase told me someone reported a fraud on the payment they sent me and they did not provided any another information like who reported the fraud but all the money i received it's legit, none of them it's fraud, because all the money i received are either through friends/family And after I found out my XXXX features got restricted, I tried to call XXXX and XXXX told me to called Chase, Chase told me to called XXXX and tell them I checked with my bank, the blocked its placed on XXXX network and XXXX told me they only partner with chase, and they can only see my phone number XXXX or email address is restricted and its linked with my chase bank and chase it's only one who can removed restriction.
Product: Credit reporting

I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was 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 the XXXX Credit Bureaus was XX/XX/2022, 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 accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX  XXXX, XXXX XXXX
Product: Mortgage

I called Truist on XX/XX/XXXX and talked with XXXX XXXX about flex modification on my mortgage. She advised me that I would go into forbearance for four months, after a three month trial period, Then she stated that my mortgage would be stretched out for 40 years and that the rate would go down a point ( currently XXXX - XXXX = XXXX ). I called Truist XX/XX/XXXX and was told that I successfully completed my trial, and that the modification to my loan is now 40 years and at the rate is XXXX. That has been my rate ever since I got the loan in XXXX. They told me that it would be dropped one point which would be XXXX. I called Truist and gave them dates, times and the people I talked to that verified loan would be modified to 40 years and drop a interest point. Truist said it will go through the recordings, and even if Im right that they still arent going to honor quoted rate. I had 3 different Truist representatives verify my rate would drop on phone calls prior to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

The history of my loan going from here to there without my knowledge with numerous interest and added fees. Navient adding on Extensive extra charges Overcharging me and adding fees without any cause or prior notification to me. I also applied over a year ago for a program to help with some of these fees and expenses and never received anything back from Navient in regards to it yet I am still charged ridiculous amounts in interest rates and fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 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 or other personal consumer reports

The following accounts should not be reporting on my credit, they are the product of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my PayPal account received XXXX deposits of {$240.00} from the state of Arizona and then was used to purchase a XXXX gift card for {$480.00}. It also used the bank account associated with my PayPal account to purchase {$100.00} of bitcoin at the time. This was done by someone without authorization to my PayPal account. I reported this suspicious activity to PayPal and they came to the conclusion that my account was permanently compromised and decided to close my account with PayPal. While I did not understand why my account would be closed if I myself didnt do anything wrong, I understood that after 180 days I would receive a link to transfer my funds from PayPal to my bank account. It has now been 9 months since the 180 day period has passed and I have not received any update from PayPal. I have called their support line, emailed their support team, chatted with a support agent online, and have received the same canned we have no information at the time on your account and to please wait for the email from us. I used my PayPal account for my partner to send their part of the rent and I still have my funds on my account. PayPal is just sitting on my funds for no discernable reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had complained to all 3 credit reports that account that were discharged in my bankrupcy should not be showing because they were discharged, the have wrong dates of filing and Bankrupcy court did not report to them. XXXX XX/XX/22 also i had put a credit freez on my credit because my id came up missing, people were still able to run credit with notifying me which in curd 65 hard inquires that i asked to be removed, Account XXXX XXXX XXXXXXXX XXXX it was filed on XX/XX/22 not in XXXX pls remove due to the fact that is in accurate info.
Product: Credit reporting or other personal consumer reports

I noticed a derogatory account from XXXX XXXX  on my credit report. I submitted a dispute on the Experian website as I have never had an account with XXXX XXXX. The results came back that the account was verified as mine. I then contacted XXXX XXXX  directly to dispute the account. I provided them my full name, address, and social security and they are unable to locate an account for me based on my information. I then contacted Experian to inform them of this information and asked them to hat information they provided to the creditor so that I may understand how they were able to confirm the account as mine and when I call XXXX has no record of me. Experian was not able to provide me any useful information, only stating that they file the dispute with the creditor and the creditor performed an investigation and gave them the results.
Product: Debt collection

I paid XXXX to settle the above debt and it was removed from my credit report. I received an alert that the debt had been added back. Although it has been paid in full and settled.
Product: Checking or savings account

TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and provided documentation time and time again but EXPERIAN doesn't seem to understand that verifying a Fraudulent Account means nothing. So at this point I demand the following accounts be DELETED under Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX  XXXX  1 per Section 553 ( c ) ( codified at 50USC 3953 )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy showing on my credit report that does not belong to me.