23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is in regards to report # XXXX attached. I requested a reinvestigation of the bankruptcy record currently showing up on my credit report. About 28 days after submitting the dispute, Experian came back and confirmed that " The company that reported the information has certified to Experian that the information is accurate. '' In the letter sent to me, Experian is asking me to contact the company who provided them the information which in this case is XXXX so they can assist further. 

Please note that this bankruptcy is no longer being reported on my XXXX report since 2020. 

This letter that I received from Experian clearly shows that : 1- An investigation wasn't actually done. 
2- Experian actually never reached out the the provider of Data I submitted proof that this item is no longer on my XXXX XXXX report, which Experian ignored.

This credit agency needs to be held accountable for not providing accurate information. The Fair Credit Reporting Act ( FCRA ) is the law that mandates credit reporting agencies to ensure the accuracy of the information they report. According to the Experian failed to the FCRA, Experian is to : 1- Follow reasonable procedures to assure maximum possible accuracy of the information they report.

2- Correct/delete inaccurate, incomplete, and unverifiable information.

3- Conduct a reasonable investigation if a consumer disputes the accuracy of information in their credit report. 

I contacted XXXX and was told that they've requested Experian to update my records however, Experian has ignored their request. I have a letter from XXXX confirming they have reached out to the credit agency.
Product: Bank account or service

I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.
Product: Money transfer, virtual currency, or money service

Hello, I attempted to sign up with revolut.com. They provide a way to transfer money from my XXXX XXXX  to a foreign bank as well as convert the currency at far better rates than bank to bank transfers. I use a similar service from their biggest competitor XXXX which I had no problem signing up with. 

Upon completing the Revolut sign up, I was granted an account and within 1 minute my account was blocked and deleted. Revolute sent a templated email stating my account was denied and banned, no reason disclosed.

I contacted their customer support for details on why I was denied as well as whom I could contact to rectify the situation? Was their something amiss when I setup such as my address, my name, my SSN? 

Customer support stated that they will not provide the information as to why I was and will remain permanently denied. I counted that they must use a service or something such as XXXX or XXXX, XXXX and the like to determine why I was denied at Revolut but not with their main competitor XXXX? 

Revolut responded with the decision is final.

Thank you Revolut customer support email below : XXXX XXXX, thank you for your reply. 

I regret to inform you that we are no longer able to offer you our services and that your Revolut account has been deactivated- meaning you will not be able to open a new one in the future as well. I am sorry that this is the case, but under certain circumstances, we have to make these difficult decisions. As a financial services institution, Revolut conducts checks to ensure customers privacy and account safety. Sometimes, this means we have to close an account, which we reserve th
e right to do so as part of our Terms and Policies.

Thank you very much for your understanding. 

Kind regards, XXXX XXXX  Customer Support
Product: Student loan

Contacted for the first time in XXXX XXXX about a loan from XXXX 's that supposed remained unpaid. Live in XXXX. Wrote an XXXX chq as XXXX draft not possible ( too old fashioned ) and explained problem in letter. Chq returned and XXXX draft requested. Started to question paperwork and asked for proof of debt and method of payment other than XXXX draft. Only received unsigned form letter answering questions I did not ask and escalating the debt amount. Thought it was a scam due to time lag in invoicing, clock not stopped when validation of debt requested, debt not validated, no alternative payment method offered, IRC website says they are XXXX XXXX but actual XXXX XXXX site says they are not, lack of contact information on correspondence ie return address, no names or signatures, slow mailing to XXXX ( about a month ). I have copies of all correspondence including registered post and fax transmissions to XXXX. Complaint to XXXX ombudsman XXXX XXXX XXXX, no receipt acknowledged and followed up 5 times. XXXX XXXX letter received and email from XXXX XXXX Escalated Issues advising complaint to be lodged with FSA Feedback System and copy of a loan document provided. Issue lodged with XXXX Feedback System XXXX XXXX XXXX ( XXXX date XXXX XXXX XXXX. Information package from XXXX Feedback System received XXXX XXXX XXXX dated XXXX XXXX XXXX again unsigned, no contact information and no name. Claims much of my correspondence unable to be found ... ..and that even though I ca n't remember the loan does n't mean I am not responsible. However I finally received documentation about the loans but no explanation as to why it took so long to invoice me in XXXX as I have held a XXXX passport since XXXX and drawn XXXX Social Security since XXXX. The package also contains reference materials to an erroneous loan at XXXX XXXX XXXX in XXXX. A place I was never at. I was living in XXXX in XXXX. The only institution I ever attended was XXXX. Again it said to contact Immediate Recovery Inc to arrange payment so we are back to the spinning wheel again. XXXX provided no payment method and IRC have not answered my emails this week. I believe at the very least the interest should have ceased in XXXX XXXX, anything related to XXXX is not me and if they can not provide a swift code for direct deposit or credit card facility to clear the XXXX debt then Social Security is the only option. The debit is supposedly {$2100.00} as at XXXX XXXX XXXX. I hope you can help. Otherwise I will have to go back to the XXXX Ombudsman or just wait for the Social Security option as there appears to be gross incompetence or a scam going on. Note : I ca n't talk on the phone due to XXXX ( service related ) and the time difference between XXXX and XXXX also adds to the difficulty.
Product: Debt collection

Calls on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Each time he called to collect the debt I informed him I am working and have other debts I am also working on so I will call when I have money to pay on the debt. I can only do so much working a part time job making {$11.00} an hour. Each time he has called he gets more rude and has more of an attitude. This last time he called ( today ) I told him to put down that I will have a payment for the debt in 2 weeks, on my next paycheck. He asked where I worked and got mad when I repeated that I will have something for him in 2 weeks and he threatened to take other actions to get the payment and then he said " goodbye '' before the call dropped I told him to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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: Debt collection

This company was told twice by my attorney to send them debt verification and were told on the phone I had representation. 
They contacted me afterwards twice by phone, once on XX/XX/XXXX and once on XX/XX/XXXX. I told them not to contact me and gave them my attorney 's info. They never sent any debit verification. I sent them a letter stating same on XX/XX/XXXX. We never received anything in the mail. This is part of why they were sued for debt collection mishandling. They are now doing the same thing to me.
Product: Debt collection

On and before XX/XX/2019 repeated calls began form XXXX XXXX XXXX , XXXX ( XXXX ) XXXX. Threatening voicemails and even choice words conversation spewing from the attended operating the phones. As I only stated that I did not owe any debt nor did I know of the company she claims I was in debt too. She started to speak about my race and said " Are you mad that you didn't get enough food stamps, go back to XXXX! '' This company prides it self on harassing and trying to intimate American Citizens. 
I have provided a list of complaints I have against this company : 1.Collectors are threatening me with violence, a lawsuit, or arrest 2.I are receiving multiple calls per week from third party collection agencies 3.I 'm being threatened with negative credit reporting 4.A debt collector attempts to intimidate me 5.Criminal accusations are being made towards me 6.Use of obscene language during an attempt to collect 7.Automated robocalls are being made to my phone in an attempt to collect I have saved all voicemails from this company. Before ending I do not owe any debt nor have I ever heard of the XXXX XXXX  XXXX. I pride myself on always staying away from payday loans or and money borrowing service. So I no that all accusation that have been so aggressively made are false.
Product: Money transfer, virtual currency, or money service

I am using a financial service platform by XXXX. I was trying to send an invoice with my client last XXXX XXXX, 2023. The client signed up the invoice and paid the amount of {$3000.00} including the transaction fee for {$100.00}. I tried to call their customer support but they were not cooperative with my complaint. they just transfer me to another department or agent with no clear explanation is to why my money was hold. they have emailed me that they will hold my money for 90 days. I hope you can help me with this problem. Thank you.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want theses items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and an erroneous late payment posted on my credit report : STATE EMPLOYEES CREDIT U Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( 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 instructions of the consumer to whom it relates.

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Product: Debt collection

Jefferson Capital System, a XXXX XXXX Account, posted a delinquent charge on my XXXX credit report for {$1500.00} which dropped my XXXX score XXXX points. The report notes that the Original Creditor was " XXXX ''. 

This is not my account and I have never used XXXX. This is fraudulent. 

XXXX says that I need a letter from FTC to have it taken off of my credit report, please assist me, thanks. 

Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date of Charge : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, is EXPERIAN 's to report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for XXXX account ending in XXXX. This includes a 30 day late payment posted on XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. section XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction '' within this code. 

With that being said, EXPERIAN 's inaccurate reporting of late payments results in them violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written permission or instruction to furnish these inaccurate late payments on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA ad the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX  {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Portfolio Recovery Associates. I am utterly fed up with their tactics and the apparent lack of oversight from the credit bureausXXXX XXXXXXXX, and XXXX. 

Despite my ongoing dispute, Portfolio Recovery continues to manipulate my credit report, adding information as they see fit. Its as if they have been given XXXX  XXXX to disregard my rights. I have requested debt validation, yet they responded with nothing more than a vague statement from XXXX XXXX, which does not constitute proof of debt. I now demand an Assignment letter to review the purchase agreement related to this alleged debt, as I deserve to know the details of this transaction. 

Moreover, XXXX previously stated that Portfolio Recovery would be removed from my credit report. However, I have provided evidence that they have not only remained on my report but are actively making updates across all three bureaus. This behavior is unacceptable. 

During my attempts to resolve this, I encountered a representative who dismissively stated, " If we say you owe this debt, then you owe this debt. '' This encounter made it painfully clear that I am dealing with a bully, not a legitimate creditor. Their tactics have left me feeling victimized, and I refuse to engage with them any further. 

The harassment I have endured through my credit reports is not only insane but also deeply disrespectful. I will not stand for it any longer, and I am prepared to escalate this matter to court if necessary. 

I urge the CFPB to investigate Portfolio Recovery Associates and their practices. No one should have to endure such treatment. 

Attached are pictures of the different balances Portfolio Recovery initially reported to the 3 credit bureaus ( {$300.00} and {$300.00} ). I've also attached photos of the corrections Portfolio Recovery has made to all 3 credit bureaus to reflect a balance of {$300.00} across all 3 bureaus. This is shady practices at it's finest!
Product: Credit reporting or other personal consumer reports

Im disputing this account because my identity was stolen back in the year of 2019. This account was opened in XXXX according to whats listed on the credit report. Also I have disputed these same 2 accounts before and they were once removed off my credit report by the credit bureaus but they placed it back on my credit report. That is a violation of my rights. I was never notified of a reinsertion. I was never notified once they deleted the account that it would be put back on my report. My rights were violated. I would like for this account to be deleted from my experian and transunion account! XXXX deleted it but not experian nor transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed what I believe to be an error on my credit report. It was referenced by XXXX no contact or account number and no contact information, It has been over 30 days and I had not received a response from the credit bureau so I called today XX/XX/2019 @ XXXX EST and spoke with " XXXX '' she states they have no ID number so I asked her location she replies off shore. She stated that the investigation was complete and that it stands on report as correct. I asked how can this be so I do not even know who the XXXX was and she says a collection company collecting a XXXX account. I told her I ha no dealings with XXXX nor do I have any with XXXX so I asked what proof was provided them to prove that this collection account is accurate and I insisted on resubmitting another dispute she said I had to call XXXX I told her I had not contact so he offered to give me their contact and I asked to speak with a supervisor and told her I wanted to file a complaint against the reporting bureau because of the nonchalant way I was being spoken to and the manner in which my dispute was handled she hung up. I have never done any business with either of these companies and this should be not be reported on my report with out physical proof of the claim of debt stated to the bureau by XXXX XXXX Transunion File Ref # XXXX )
Product: Checking or savings account

On XX/XX/XXXX Ally Bank sent me an email that I needed to update the information for my beneficiary. 

On XX/XX/XXXX I emailed through the bank 's website : " I received an email to update my beneficiary information. My only beneficiary is a charity. What do I need to update? '' On XX/XX/XXXX I received a response " Hello XXXX XXXX XXXX, Thank you for taking the time to contact Ally Bank. Your business is important to us and we apologize for the delay in responding to your e-mail. We are happy to assist you with your inquiry regarding the beneficiaries that you have on file with us. 

Thank you for letting us know about the email you received. At this time, we can confirm this email was from Ally Bank. The FDIC is requiring Social Security Numbers to be listed for all beneficiaries effective XX/XX/2020 this is not mandatory until this date. Ally will be accepting other forms of identification in the near future for non U.S. Citizens and other entities. Required document information will be released as Ally Bank receives further details from the FDIC. Should you choose not to provide this information, your beneficiaries will remain on your account, however, you may lose a portion of your FDIC coverage. We apologize if this does cause any inconvenience. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you 24 hours a day, seven days a week. Our toll free number is XXXX ( XXXX ) or you can always visit us online at allybank.com. 

Sincerely, XXXX Ally Bank Customer Care '' On XX/XX/XXXX I wrote " XXXX, You obviously did not read my message. My only beneficiary is a CHARITY, which does not have a Social Security number. It has an EIN instead. Please confirm that you have the charity 's EIN on record. And please let me know immediately if you need any more information about my beneficiary. - XXXX '' I did not receive a response, so I repeated the email on XX/XX/XXXX. They have not responded.