23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio recovery constantly calls my cellphone and when I've told them I don't know about the debt, then ask when this debt was and they reply from 13 years ago. Then they call my home number don't reveal who they are just leave messages to call back at a XXXX number. They constantly call me on my home phone and cellphone from different numbers, some XXXX numbers others from different state area codes
Product: Credit reporting or other personal consumer reports

Ive sent numerous letters asking for these items and they only send the information Im attaching. There miss Original contract with my signature, complete payment history, proof that they can receive payment also if any claims has been submitted by original creditor
Product: Checking or savings account

I had bank of America joint account from XXXX to XXXX and I deposited XXXX in account and bank of America transfered all money to somebody s single account without asking me and joint account holder not giving me money and bank of America not giving me joint account records statements I want to know what happened to my account .did bank of America took all my money.so I want my joint account records and will pay fees to bank of America for job to get my records
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.
Product: Money transfer, virtual currency, or money service

I remitted money to XXXX through Sigue Corp in XXXX this year. After Sigue Corp stopped its business, I have not received my refund check! Now it has been XXXX  months, and Sigue Corp has not responded to me! My money has not been returned to me!

My child needs to pay for college tuition
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today regarding my credit freeze and fraud alert to confirm these were in place for my protection, that part of my call was completed, unfortunately I was transferred to the dispute department to address the fraud and errors on my report and to dispute a claim from XXXX XXXX XXXX XXXX that was fraudulent on my report. The representative I was speaking to was not helping me or cooperating with me. I asked for a supervisor and was put on hold for 20 minutes, finally he came back and indicated that he finally got a supervisor named XXXX on the phone, both were on the line and as the first rep released the call the supervisor ruefully put me on hold for 15 minutes without speaking to me or taking my call then just put me into the survey system without ever taking my call. I received no customer service from them.
Product: Credit reporting or other personal consumer reports

Company name : Trident Asset Management Address : XXXX XXXX XXXX, XXXX GA XXXX This account is closed and is reported by their company for a balance of {$610.00}. I have not agreed to or signed a contract with this company and I asked it be removed from my credit report. 

Company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX This account is closed and are reported twice in my credit report. your company for a balance of {$1000.00} and {$810.00} and the balances are incorrect. I have not agreed to or signed a contract with this company. I fell on hard times and communicated this with XXXX XXXX so I asked that this be removed. 

These 2 companies are relentless and refuse to remove anything that is a result of falling on hard times.
Product: Credit card or prepaid card

Barclay 's Card Knowingly Allowed Scam Artist Merchant, XXXX to Forge My Signature for {$250.00} purchase using their credit card. I did not sign Acceptance of Services Agreement form. XXXX Agent XXXX XXXX hacked my computer to obtain fabricated GA Driver 's license information and attempted to hold/lock my computer for ransom. 

No purchases were made with merchant XXXX. I provided proof of forgery to Barclay 's but they ignored me and forced me to pay for fraudulent charges by XXXX. 

Originally, Barclay 's Fraud Department agent said that they had mailed me {$250.00} refund but refund check never arrived. Then they deleted records from logs with reference to promised {$250.00} refund in mail. 

Now, they completely ignore me.
Product: Credit card or prepaid card

On Monday, XX/XX/2022, XXXX PM ( ET ) I sent a message through the secure message system because I had lost my XXXX XXXX Rewards XXXX. 
Message read : To : Comenity Bank Subject : Lost or Stolen Cards Message ID : XXXX need to close card and get another ordered I have been making above minimum payments, paying interest and waiting to recieve my card. I finally got ahold of the company to let them know that I still haven't recieved my new card and request another card and they told me that they closed my account per customer request, which was incorrect. I spoke to a regular agent, she told me there was nothing she could do. I requested to speak to a manager, she also told me there was nothing they could do. She apologized and told me it was very clear by the notes on my account that I did not request for my Credit Card Account to be closed, it was obvious that I was reporting my card lost or stolen and I needed a new one. This was a 4 year old good standing account that was a nearly {$9000.00} credit line. This is SO BAD for my credit score and I need something done immediately. By law, there has to be something that I can do. Thank you!
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions TransUnion consistently responded swiftly that the information being disputed was accurate and did not provide any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. which mandates a reasonable investigation of disputes. TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File N. XXXX ) against them for similar violations. I'm requesting CFPB to take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation as well the removal of inaccurate information on credit files.
Product: Credit reporting or other personal consumer reports

I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX, I received a text message from XXXX XXXX, an XXXX  Mastercard administered by Wells Fargo that an XXXX charge for {$15.00} had been attempted and declined. When I called the fraud department, I was either ( a ) told that I had no account with them associated with the phone number I called in from, even though they were the ones that messaged me ON THAT EXACT NUMBER or ( b ) put on hold to speak to a representative and then the call would would never connect to someone in their fraud department or I would be transferred to the incorrect department. I am currently unable to reach any person at Well Fargo after they messaged me at XXXX in the morning regarding a charge I did not do as I was home. 

Well Fargo already has a trash reputation after committing criminal fraud when opening up accounts illegally for people without permission and they are now precariously close to having a formal complaint filed to MasterCard for violating the card holder agreement and not properly connecting a customer to the fraud department for unauthorized use of their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Transunion due to inquiries that appeared on my credit report that I didn't authorize. I was instructed to contact the creditors directly and I was told that it was not Transunion 's responsibility to investigate or resolve my issue. On XX/XX/2020 I mailed a certified letter to Transunion requesting that someone investigate the inquiries on my credit report. I still have not received a response and it's almost XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.
Product: Mortgage

XX/XX/23 This issue is with Rushmore Home Loans. 

I have been trying to contact them since XX/XX/XXXX  I am in need of year end tax info which is not on their website. Additionally they have been " closed '' for the last week that I have attempted to call on the only two phone numbers I can find. Their email nor their chat box works. What options do I have to obtain my info?
Product: Credit reporting or other personal consumer reports

Experian is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.
Product: Checking or savings account

the staff XXXX XXXX from M & T bank even hang up the phone while i was begging for help with internaitonal call! how terrible! i serched for complaints and found your bureau, what a relieve! 

i was a XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ) in XXXX i opened an account with them. I came back to XXXX, XXXX in the same year..and brought my M & T card with me. and as i am in XXXX, i could not use the card ... after some years the card expired, but i kept receiving emails from them and filling forms to maintain the card. 
last month i had the international call with them, actually i called for many times and each time 30-60 mintutes -- international call! and after the virtual meeting and providing a lot of information they activated the card for me, but they say i can't use it as i have to put in the social security card number in their office. i told XXXX that i am not a XXXXXXXX XXXX, and i would not go back to XXXX. and she said, then you can not use the money! she asked me to call customer service. then i called immediately. the girl said i could update my XXXX address and call back after 15 days to require them sending the physical card. and i did so... today is already 20days and i called back, only to find the people say that they could not send the card and i have to contact XXXX. 
Then i called XXXX again, asking her if i could not use the money either online ( as they say i have to be in the office in US to input the social security no. ) or off lince ( as they do not willing to send the card due to the same reason ), then what is the sense for all the international calls made them ( each time 60 minutes for sovling the problem ) and even meetings to show all the information and documents including passport, driving licence, social security card, etc. 
i said to XXXX, you know i would not go back to XXXX as i m not a XXXX, and i had showed you all the information that you require... and you activate the account for me, so you have no doubt about my identity, then why you prevent me from using my {$1000.00} dollars either on line or offline?? she said she herself had no way. and i begged her to think of a suggestion or a person to refer to... she said no. and she hang up the phone... 
I understand the bank rules, and new situations always emerge, people are used to solve the new problems..otherwise, roberts can take up the work..and today she hang up the phone. that's really rude, even from an ordiinary person! she is from the banking service! 
my requirement is let me use my own money, either online or off line or any other way like you transfer the money to my XXXX account!
Product: Debt collection

I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting a collection for the XXXX of XXXX XXXX, partial account number XXXX. I contacted this utility directly and provided them with the necessary information so they could look up the account. They did not show any record of my ever having an account with them, and they verified I did not have any outstanding balance. The information on my credit report is in error.
Product: Debt collection

On XX/XX/2018, I submitted to the CFPB a complaint about Diversified Consultants, Inc. ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. 
In response to complaint ID No. : XXXX : Diversified responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

However, XX/XX/2018 resubmitted the same item that it stated it would conduct no further collection activity XXXX XXXX and XXXX, in direct contravention of its XX/XX/XXXX letter.
Product: Debt collection

I have been urgently trying to create a Nelnet account to pay my student debt, I have either been shown a screen after attempting to log in that says the website is down or a screen saying I have an account and I need to log in. I do not remember making any account with Nelnet. I have attempted to contact customer support over the phone and have not received any response after hours of wiring on call or the phone line not even connecting. After trying all of that I attempted to contact Nelnet email support and was lead in a very unhelpful loop where they told me to provide my information to get assistance and when I did provide the information they told me to call the customer support line that I already tried calling and also told me to log in to my account after being told that I was not able to and thats why Im contacting them.