23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a mailing from a debt collection company called Dynamic Recovery Solutions dated XX/XX/XXXX. It claimed that I owed the original creditor, XXXX, the telecom company, {$370.00}. The letter also indicated that the debt was purchased from another collection company called XXXX XXXX XXXX. I had never heard of the original debt. 

Upon calling Dynamic Recovery Solutions, I learned that the supposed debt was from XX/XX/XXXX - 13 years old - and that it was not reportable to credit reporting agencies because of its age. I explained to the representative that this debt was not mine, that I had never heard of it, and that it is unscrupulous and illegal for a company to make up a debt in a consumer 's name and offer to negotiate that debt down, especially a supposed debt of such age. I threatened legal action and an FTC complaint if any further steps to collect this fraudulent debt were taken by the company. They claim to have filed a " request for dismissal '' of the debt back to XXXX XXXX XXXX - the original debt collector - but never emailed me the paperwork confirming that this request had been made. 

I believe this company may be operating a scam, namely calling former XXXX customers from years past and claiming that these consumers owed XXXX some nominal amount that could be resolved for some fraction of the original " debt '' amount. As a result of the age of the " debt '', consumers ' lack of memory of debt from decades prior, and consumers ' fear of harming their credit scores, consumers may pay the {$100.00} or so dollars to have the issue resolved, even if there was no " debt '' owed in the first place. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on Equifax and through some investigating I found out that XXXX XXXX ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/XXXX  opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent emails and called all 3 credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them.

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Product: Money transfer, virtual currency, or money service

I had {$660.00} wired to XXXX XXXX, XXXX from my checking account at Chase Bank. And to add insult to injury, I was changed a foreign wire transfer fee of {$40.00}. I did not give written authorization or verbal authorization for this transaction to be created. 
I have NEVER sent a wire transfer from my checking account either domestic or foreign in all the years I have banked here. No one called me to verity or ask any questions. They just wired my money. I now have late fees because I work hard for my money and it takes every penny to live on. When it was reported. My original account was closed and a new one opened. I was told they would contact the bank in XXXX and ask them to send the money back. It has been XXXX weeks and I am struggling. I have visited branches in XXXX, XXXX  and XXXXXXXX XXXX I have provided a notarized affidavit stating I did not initiate or authorize this wire transfer and I NEED my money back. They said they were so sorry but it looks like I am out the money. How is that possible? On my last call with Chase, which was XX/XX/year>, the person informed me that there were several wires initiated and only one went through but they can't tell me why?? On XXXX a wire was initiated for {$1100.00} and was declined. Later that day, a wire came through the wire transfer department for {$880.00}, and was declined. On XXXX, a third wire transfer was initiated for {$660.00} and Chase sent the wire. They have my cell phone and email address on file and not one time did anyone notify me that all this online activity was going on nor did anyone from my bank notify me of this activity. Now they literally are saying, sorry XXXX. 
I need someone to help me please?
Product: Debt collection

Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX  XXXX and XXXX bank. I do not owe debts to either creditor. 

1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I address issue on XX/XX/XXXX and the website work only one day for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2, also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a cred cared account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.
Product: Credit reporting or other personal consumer reports

The following accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and # 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 I reviewed my credit report on XX/XX/year> and noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681e ( b ) ).

Moreover, under 15 USC 1681i ( a ) ( 5 ), if, after any reinvestigation of information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : * Promptly delete or modify that item of information from the consumer 's file based on the results of the reinvestigation.

* Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from providing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given these violations, I request the removal of the inaccurate and incomplete information from my credit report to ensure it reflects accurate and verifiable data.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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

In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXX XXXX data breach to our student loan information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report as well.
Product: Debt collection

The company call me at work. I have told them I can not get calls like this at work. XXXX XXXX calls me and I ended up having to hang up on him because even though I told him I am at work he just kept on talking. Calls to my work need to be stopped or I will lose my job. Their number that he called me from is XXXX - XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit another complaint regarding the continued false reporting on my credit reports by XXXX and XXXX, as well as the illegal use of my personal information. 

Despite my repeated attempts to resolve these issuesover ten dispute letters sent to the credit bureausI have not received a satisfactory resolution. XXXX has consistently employed stall tactics, claiming they can not verify my identity, even after I provided ample documentation, including my driver 's license, Social Security card, pay stubs, and evidence of the inaccurate accounts. 

Specifically, I am requesting the removal of the following accounts from my credit report due to false reporting and failure to validate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other negative accounts associated with my name These accounts are damaging my credit profile and do not accurately reflect my financial responsibility. I have provided all required documentation, and it is unacceptable that XXXX continues to state they can not verify my identity. 

I urge the CFPB to investigate this matter and take appropriate action against these credit bureaus for their misleading practices. Thank you for your attention to this urgent issue.
Product: Mortgage

XXXX, through the servicer Seterus, filed a les pendens against my property while I was making timely payments on my trial loan modification - I had already made 2 payments on time. This appears to be a " dual tracking '' based on what I have read. I called Seterus and they told me this was their standard practice and the lien would be removed when I had made the third payment. I never received any notice of service nor any other communication that they were proceeding with the foreclosure. I did not receive any late notices from them until my loan was 6 months delinquent.
Product: Credit reporting

Debt not accurately verified. No contract or signature for the following collection account : XXXX
Product: Credit reporting or other personal consumer reports

ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and Commonwealth VA Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that XXXX accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer report.
Product: Debt collection

I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Re seller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removedremoved disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

My complaint is against Bank of America and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as " policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that " all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming " we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of " policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this " policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called " hold '' on our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that is not mines I didnt authorize it I have over 20 hard inquiries really is that even realistic a normal smart person knows if you apply for credit and get denied there is no reason to continue applying that just make you look desperate and in need so why in earth would I have over 20 credit inquiries I'm working on fixing all the errors on my credit report so I can be financially right in the years ahead and I cant do it with all these inquiries that is affecting me from getting funding even with my XXXX credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to experian in XXXX about an account that is charged off but still is reporting late payments on my account. I sent a dispute challenging the account all together because I have no knowledge of the account. I have yet to hear anything and its been over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. Experian had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.
Product: Checking or savings account

On XXXX XXXX I opened my account at the XXXX branch of Atlantic Union My account end in XXXX Routing number XXXX. My account was used by my ex finacee for a fraud. I understand that there would be an investigation for this account. The investigation has been going on for one year and 3 months. The bank has not reached out to me concerning my balance of {$57000.00} until I received a generic letter concerning a domicile account within the next 30 days. I have called and called and no return calls. I have sent a letter to the Senator office as well, I just want answers.
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. IAccording to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Accounts : Account Info Account Name XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXXXXXX XXXX XXXX  XXXX Account Number XXXX Account Info Account Name XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request to investigate the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX
Product: Debt collection

Received a call from a phone # XXXX stating that I owe {$280.00} and the doctor had been trying to collect this since XX/XX/2015. The caller had my name, birth date, doctors name and address. I called my doctor and they had me call their billing department and they stated that I had a zero balance. The " collection '' agency " Transworld Systems '' also gave me this number to call them tomorrow so I could pay this so called debt ( XXXX ) to prevent my credit from being effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 someone stole my identify and opened a revolving credit line with XXXX. 
They ordered a {$930.00} product in my name. When I was notified on XX/XX/2018 I reported to XXXX, that this was Fraud, I froze all my credit lines, made a police report and reported it to the FTC. They are still claiming it is mine and trying to collect on it. Meanwhile they fraudulently opened a line of credit in my name, without doing the proper due diligence and were neglectful with my information.
Product: Credit card

Bought a bed last year and it is no good we put together right but what wood its made out of stinks it started falling apart