23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company by the name of Portfolio Recovery calls me everyday looking for a XXXX. I have told them time and time again that there is NO XXXX at my number. Then they ask for my information and hang up when I tell them it is not needed to remove my number from their records. I have told them to stop calling and that I will report them. Now they call and do not leave messages and hang up when I answer. I know it is them because if I call the number back it states on automatic response that it is Portfolio Recovery. I have no outstanding debt, no credit cards to my name and no unpaid medical bills.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$5400.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Checking or savings account

On XX/XX/XXXX US Bank put my checking account on hold because a deposit came back rejected. They never notified me of this. I found out when I went into the branch on XX/XX/XXXX to inquiry why I was not seeing any account activity. On XX/XX/XXXX they informed me the bank did not want to assume risk for my account and they would be closing it. While on hold they were not allowing deposits or withdraws. They said I couldn't withdraw the funds in my account. I have had multiple auto payments returned to creditors before I could stop them since the bank never informed me of the hold on the account. 

The branch said they could not tell me when the account would be closed even though they said to close it. They could also not allow me to withdraw the funds I have in the account. They said when the account was closed I would be sent a cashiers check overnight. They said I could try the 24-hour customer service line and they could probably give me dates. 

I called there on XX/XX/XXXX and was told the department that could help was closed. I called back today XX/XX/XXXX and the person in that department said they could not tell me the date or when they would be sending out my check with my funds. That the process could take up to 90 days to be completed. I asked to be escalated to a manager or someone who could provide more details and they told me it was an internal team that handles that and they don't take customer calls. They then put me on hold to speak to their manager which I gave up on and hung up after 20 minutes of being on hold. 

This is all of my money and I have bills to pay. How can they stop me from accessing my money and not provide me with a reasonable date that I will get my money. This seems like something they should have to resolve at the very least within 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I booked a XXXX XXXX ticket from XXXX to XXXX on XX/XX/XXXX using Chase ultimate rewards points for my husband. Travel date was XX/XX/XXXX and the points used were XXXX. 
Flight # XXXX. The flight was cancelled on XX/XX/XXXX while waiting to board the flight at the airport. XXXXXXXX XXXX  confirmed cancelling the ticket at the airport and refunding the amount. They also provided receipt. See attached below. I reached out to Chase Ultimate Rewards team 4-6 times and they confirmed they'd refund the points in XXXX billing cycles. It's been way more than that but I never received the points. Around XXXX call, they confirmed they've received refund from XXXX XXXX and I shall receive my points in the next billing cycle. They also promised an additional XXXX points as a compensation for all the trouble and inconvenience. 
After that call, I have not yet received the booking points XXXX points + addition XXXX points until today. I called them again, but nothing yet.
Product: Debt collection

I have called this collection and they are doing nothing about this matter. I never even been to XXXX XXXX. I am not responsible for someone using my information. This is nothing but a fraud account. They think its ok to keep a fraud account on consumer credit when it is not.
Product: Debt collection

On XXXX/XXXX/15 I requested validation from AD Astra. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
Product: Debt collection

Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as below:379845444451000 - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web XXXX therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is XXXX XXXX XXXX {$2100.00} and the other account is JPMCB CARD SERVICES {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me. 

I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THIS INFORMATION IS REMOVED FROM MY CREDIT FILE.
Product: Debt collection

On XX/XX/XXXX, myself, my mother and ex husband were called from The XXXX XXXX in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for Continental Finance credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
Product: Checking or savings account

I had checking account that's free with northwest banking before Wells Fargo. I had free savings account before Wells Fargo. I was grandfather in without fees. I didn't sign up for fees. I had over {$650.00} in checking and they shut it down by taking fees when I was grandfather in .Then they took another {$350.00} out my savings to close it without signatures I had those accounts before Wells Fargo took over. I want my money in a check. Lousy 45 years with them and I paid off credit card early and they dinged my credit for it without having a balance on the card. Wells Fargo said they had no idea what I was talking about. I had someone take care of their negligence across three credit bureaus for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two names on report are incorrect ... I do not have/use an alias ... Possible fraud ot ID theft ...
Product: Money transfer, virtual currency, or money service

I used the Request Money transaction in Pay Pal on XX/XX/XXXX to request {$200.00} from a friend. She responded and sent me the amount. At least 24 hours went by before I moved the money to my bank account. On XX/XX/XXXX I again used the Request feature for {$300.00} from a different friend. At no time during either transaction was I advised that there would be a fee nor did the website advise on the Request page that there would be a fee. On XX/XX/XXXX both my friend and I were having problems getting into Pay Pal at approximately XXXX XXXX. At XXXX XXXX we were able to complete her end of the transfer. I helped her walk through it as she had not done it before, at no time did she click on anything that this amount was for goods and services. When she completed her end, I then logged into my account and verified that my Pay Pal balance was {$300.00}. I had to take a call and leave for an appointment. Later that afternoon I went in transfer the money to my bank account, however, I noted the balance was {$290.00} now because a {$9.00} fee had been taken by Pay Pal. At XXXX XXXX EST I called the Pay Pal customer service number at XXXX. I was finally able to reach a live person who said his name was XXXX, we were on the line for 29 minutes and he could not explain why my transaction on XX/XX/XXXX was not also charged a fee, he said it must have been an error on their part. I asked to speak to a supervisor, he said there were none there. I asked for his last name, he refused. I asked for his employee ID, he refused. He gave me his extension as XXXX. After further discussion he said he would find a supervisor. He kept me on hold for long periods and I finally told him I would call back later as we had been on the phone for 29 minutes. I called back to the same number at XXXX XXXX EST and reached XXXX, she was giving me the same run around so I asked for her supervisor. She put me on hold, within a few minutes I could hear and XXXX answered identifying himself as a supervisor. We went through everything and he was not able to tell me where I would have seen the information advising me of a fee. I asked for his last name, he refused and said it was company policy. He said he could give me his supervisor ID which was XXXX. I asked for his extension number and he said they did not have extension numbers. I told him about the previous call and that XXXX had given me his extension. He said that XXXX must have been mistaken and that was his emplyee ID. I advised him that I would be filing a complaint regarding employees using false names ( XXXX was clearly at an offshore phone center ), not disclosing fee information upfront and for refusing to provide full identification and contact information. This second call lasted 43 minutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX PST I was denied a cc and logged in to TransUnion to see what is on my report that would cause the denial. I knew my credit score is over XXXX and never denied credit in my life so I thought it odd that I was denied. 

First thing I saw when I logged in was the message telling me I'd already pulled a report in the past 30 days ( regrettably, I didn't screen capture it ). I've not requested anything from any bureau for well over a year ( probably much longer ) so that was alarming. I then clicked the link to view the previous report. It took me to a screen Personal Credit Report For : this field was blank File Number : this was blank also Date Created : this was blank also I contacted TU via chat. After over half an hour in chats with XXXX people and clearing caches, logging in & out to no avail, I was told I wasn't entitled to 'Online Products ' and that the only thing they could do was send me a report via mail. 

With the appearance of two errors, I was wondering if the XXXX company even actually had the opportunity to see my data. If so, why could I not see the data without waiting for mail deliver of the report and why didn't the customer service rep know I wasn't entitled to see the data without wasting their time & mine? There was a link ' view previous report- why, did that link exist if I wasn't entitled to see it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 Transunion XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I looked back at my report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report It shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to investigate these accounts listed below : ( Account # XXXX ) the date of last payment is not correct. This account is incorrect.
Product: Credit reporting or other personal consumer reports

Comenity Bank- Torrid card was sold to another creditor XXXX XXXX XXXX XXXX XXXX XXXX, and this account has been settled and paid off as of XX/XX/2023.