23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.
Product: Checking or savings account

This company closed my account XX/XX/2022, Ive filed several complaints including one in XXXX for money they owe me- they stated they mailed me a check but did NOT!! Its been another 4 months!
Product: Student loan

I cosigned with daughter on student loans. She can not afford the payments, and neither can I. I tried making for a few months, but could not keep up. When my daughter called, she told she was not eligible for deferment or forbearance and rep suggested not making payments and then talking to their collection department. I just reached out to lender and was told he is unable to help me and to talk to collection department. We tried to resolve this prior to becoming delinquent.
Product: Checking or savings account

I went to go withdraw {$200.00} from the ATM in XXXXXXXX XXXX XXXX  on XXXX XXXX XXXX on the XXXX of XX/XX/year>. When I went to go complete my transaction, the ATM swallowed my card and my funds we were not given. I went to one of the employees to explain the situation and she said I will get my money back and I will have to get a new card and make a claim. I made the claim the next day due to work and the 24-hour hotline dropping my calls. I have now received my claim was denied, even though the employee reassured me everything will be well since the ATM will be serviced and investigated. 
I never received my {$200.00} and had to get a new card.
Product: Mortgage

On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.
Product: Debt collection

I asked to company to send me a signed document with my name on it to prove the debt belongs to me. They failed to do so.The debt is also reported as a open status.
Product: Debt collection

Debt is 10 years old and was removed and then recently added back to credit report. I am receiving an enormous amount of debt collector calls harassing me and my family. Company falsified dates saying account was opened in XXXX and it was opened in XXXX
Product: Debt collection

I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
Product: Debt collection

XXXX, XXXX, XXXX XXXX are dishonest people and corrupt. XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Capable of XXXX, conspiracy to commit XXXX, lying, aiding and abetting, trying to obtain property under false pretenses, sending someone over to my house to XXXX XXXXXXXX. Lucky I was not home. XX/XX/2024 those attorney people sent XXXX XXXX hoping to commit a crime against me. Oklahoma Motor Credit XXXX XXXX XXXX XXXX XXXX need to be shut down permanently and there insurance and the entire business needs to pay up. I want them prosecuted and held accountable for their actions and crimes perpetrated against me.
Product: Credit reporting

I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested over 10 times for Equifax to update my personal data to show up-to-date information. They continue to state the previous addresses have been removed from my credit file. But as XX/XX/ the information still remains. As soon as this is not up to date this increases my changes of having a mixed file and destroying my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 facts ( equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). 
XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( XXXX XXXX  Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. 

I have attached XXXX and Equifax reports to show the discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

CItizens claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from Citizens for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to Citizens.
Product: Credit reporting or other personal consumer reports

I have had a credit representative sending bi-monthly letters to challenge the veracity of the information that they have listed on my credit report. The most recent letters to me have come mid XXXX, 2024. My representative has been sending letters to XXXX, Equifax and XXXX. Both XXXX and XXXX have responded by both email and USPS mail stating We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. XXXX and XXXX go on to talk about how I can dispute this on my own and that theyre misrepresenting my credit information and blah, blah, blah about the credit company acting unlawfully. My representative has been sending these challenge letters for MONTHS now to all three credit reporting agencies and has represented herself legally from the beginning. Interestingly Equifax has sent NO communication at all to me. By the way, these letters all contain a picture of my drivers license, social security card and a utilities invoice to prove my identity. I am tired of their stall letters and want them to investigate my report. And please contact Equifax about their complete and total silence. They too are not doing their job.
Product: Credit reporting

I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have reports I have never applied for such as XXXX XXXX, XXXX or Kikoff Ive ask for disputes and for it to be removed, nothing has been done.Please help me
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Product: Checking or savings account

I have been charged an overdraft fee multiple times on my navy federal account when my account was in the positives yesterday XX/XX/year> I was charged 2 overdraft fees when I didnt use my card at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

Transunion lowered my score XXXX points for bo reason at all. Because they did not want NY credit score to increase. It was lowered XXXX points and raised back up by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Port Svc. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.
Product: Credit card or prepaid card

I bank with USAA Federal Savings. I have checking, savings, home, auto, Medicare supplemental insurance, all my banking needs. I have been with them for over ten years. Over the course of the ten years their customer service has completely evaporated as they transitioned to an online bank. 

On XX/XX/2023 I reported fraudulent transactions on my XXXX XXXX Credit Card. Its my card and my wife and son have copies as authorized users. The fraudulent transactions were only on my copy of the card. I went on The USAA App reported the fraudulent transactions and they canceled my card and said they would XXXX  a new card ASAP. Since its is now XX/XX/2023 and there is no resolution to my account problem, let me make a long story short. USAA froze all three copies of The Platinum Credit card, I can not get money from it on the app, I can not pay the monthly bills and to this date I dont have any replacement cards. I call almost everyday and get multiple stories, unfulfilled empty promises, zero empathy, less than zero customer service including from supposedly senior banking officials and often time rude behavior. Mu average time on a call to their customer service center is 2 plus hours and NO, ABSOLUTELY NO RESULTS. The worst part is they wont say why or how this happened. They stonewall, lie, obfuscate and generally try to wear you down. I cant tell you how many times Ive been guaranteed my cards would be in my hands in days. Just so you know I filed a complaint to The FDIC and they forwarded it to you saying USAA fell under your jurisdiction. Please help me resolve the rude, inconsiderate and incompetent problem. Thank you for your time and consideration.
Product: Checking or savings account

Wells Fargo had took money out of my account. I get money from Social Security so now Im unable to pay my bills because of this transaction. They refuse to give me information as to why they are taking money from my account. I need that money back so I can said bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}
Product: Debt collection

Speedy cash has opened an account on my credit of {$2100.00}. I am unaware of this charge and I would like it disputed.
Product: Debt collection

I have disputed with Portfolio Recovery, on several different occasions. This alleged debt is NOT mine and it is ruining my credit profile and my good credit history. They have failed on SWEVERAL occasions to show proof and what I mean PROOF is a signed contract that I owe this company MY SIGNITURE. I DO NOT owe this company a dime and they have failed to deliver PROOF as REQUIRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX