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

Portfolio Recovery FAILED to mark account in dispute after I submitted my dispute via CFPB # XXXX on XX/XX/2024 and Portfolio Recovery XXXX XXXX via CFPB XXXX XXXX XX/XX/2024 and according to XXXX Credit Report XXXX XXXX XXXX dated XXXX XXXX they were in clear violation of the FDCPA XXXX ( XXXX ) ( XXXX ) as this is more than 30 days as required by LAW and alledged account was not marked in dispute as of XXXX XXXX. 




This is a very serious violation in accordance with the Fair Debt Collection Practices Act XXXX ( XXXX ) ( XXXX ). 

I want Portfolio Recovery # XXXX. 
removed from my credit report ( XXXX ) immediately. 
I am keeping careful records and will seek legal representation if I am forced to.
Product: Checking or savings account

I have had a Morgan Stanley Private Bank Account and an E*Trade account since XXXX XXXX XXXX  ( they are linked under a single sign-on ). My accounts have always been well-funded ( never overdrawn ) and Ive never used the margin on the brokerage account. 

I have set up wires from the MSPB account several times online. On XX/XX/XXXX, one of the contractors working on my house left before I could bring him his check. I told him Id send him a wire if he could send me his account info. He sent me his acct. and routing number, then I put the rest of the beneficiary details ( name/address, etc. ) from his invoice onto the outgoing wire transfer request. The wire was for {$2000.00}. I sent it one time, then got an email saying the wire transfer had been canceled, I was in a hurry and tried it again, got the same email again. Then, I tried it for a third time for XXXX XXXX thinking that may make a difference ( though I hadnt reached any daily wire limits ) got the email that the wire was canceled again. I had the account page open all day and was day trading throughout the afternoon. Then, the internet dropped and logged me out. I tried to log back in and it said my User ID was inactive due to unusual activity and to call the E*Trade. 

I called E*Trade and was told to submit a letter of instruction with my signature, copies of my DL and SSN card, and a copy of the most recent statement of the funding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted everything and they said great, we will unlock your account in 3-5 business day and you can go back to normal, I said, heck no, I am closing this account because this is ridiculous and you can just wire my cash back to XXXX XXXX and can do an ACAT for my existing positions to my other brokerage account. Called back 4 business days later and they said they needed to do a three-way call with me and XXXX XXXX to verify my identity. We did the three-way call and everything was satisfactory to the E*Trade CS Agent -- he told me that the back office would need to review everything and that a new 3-5 business day window would now begin for their review. That was on XXXX I have called back every 3 and 5 business days and am told it is still under review but that have my wiring instructions and ACAT ready. The last time I called, the agent said that I could get with XXXX XXXX and see if they would recall the funds ( which seemed weird to me ). My last wire from XXXX XXXX to this account was for XXXX XXXXXXXX in XXXX. 

I filed a complaint with FINRA yesterday and sat down with my personal banker at XXXX XXXX today. I brought her everything and we called them together. They have her the same response - the account is still under review and they cant provide a timeline for when I can have access to my funds or positions, but that is should be soon. We asked to speak with a supervisor and they said that any superior could not provide us with more information and that this is in the back office. Now, my banker wants to try to recall the last wire that was sent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX  : Account number : XXXX, XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I don't recall having a contractual relationship with this collection company RCI BILLING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, XXXX and Equifax, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Product: Credit card

Synchrony Bank closed and or significantly decreased the credit limits on the below active accounts with XXXX balances due and without prior notification as to cause or reason for closure. I have asked for copies of the credit card agreements that explain account closures initiated by the bank and have not received them. These actions have caused a significant negative impact to my credit score. 

Amazon Store Card : Credit limit {$2000.00}, XXXX balance and no payment due. Notified of closure on XXXX XXXX by credit monitoring with XXXX XXXX. 

Synchrony Master Card : Credit limit decreased from {$1500.00} to {$250.00} in XX/XX/year> with XXXX balance and no payment due.
Product: Vehicle loan or lease

I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Navy Federal Credit Union on XX/XX/21 for a car loan for a total of {$19000.00}. To date I have paid {$5400.00} on the principal. Per 16 CFR 433.2, Navy Federal Credit Union excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECTTO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a Florida Notary Public, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan and I would keep the collateral ( vehicle ). 

I have attached proof of notification and receipt. I am requesting that the CFPB contact Navy Federal Credit Union ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Attention : Formal Complaint -Acima Inaccurate Reporting on Credit Bureau XXXX I am writing to make a formal complaint on Acima Leasing. I purchased a jewelry selection from Watch-N-Gold through Acima as financing option with no credit checks and NO CREDIT Reporting. NO credit reporting was an important factor in determining if I would move forward with ACIMA XXXX. 

During the months of XXXX and XXXX and including XXXX I experienced medical issues that impacted my immediate attention to connect with Acima to assure payments were successfully applied. However, at the end of my hospital stays, I actively connected with Acima to rectify any payments upcoming to assure account was in good standing. 

My payment failed and I immediately rectified the payment and contacted Acima to make an arrangement to satisfy payment. I did attempt to make a payment. Payments automatically set to deduct from my bank account for payment on a bi-weekly basis. 

I was not provided with any documents or lease agreement with any updated terms that entailed reporting to any credit bureaus is a requirement by ACIMA LEASING. 

I, XXXX XXXX XXXX have spoken to two agents that communicated that Acima does not report to any of the credit bureaus. XXXX XXXX and XXXX XXXX did provide me with this information. Also, at the time of deciding to choose Acima XXXX XXXX XXXX communicated this information to me. However, Acima reported a late payment on the month of XXXX. My lease is now paid and closed. 

I am requesting that this item be removed and to request another specific change to correct the information which is requesting XXXX to update and delete late payment for the month of XXXX. 

Please investigate this matter and delete and correct this matter as soon as possible. 

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

I am being charged by Experian for some premium credit monitoring services which I never signed up for. The company makes it extremely difficult to cancel the service. There is no option to cancel the services and get the refund on their website or their app. Calling customer services requires more than one hours of wait time. The first time I called ( XXXX ) and waited for half an hour  then the call got dropped. I called again on the same date and my calls keep getting dropped. After about 8 attempts and three hours later, including waiting for more than an hour, I finally got a call with a representative. I ca n't simply stop payment on my credit card because it may hurt my credit score. The way they treated their customers is unacceptable. Please look into this behavior on consumers 's behalf. Thank you.
Product: Debt collection

I do not owe the debts to LVNV Funding LLC or Resurgent Capital Services L.P . I requested debt validation on XX/XX/year> and they did not provide as I do not owe them anything and they are in violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Student loan

Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me
Product: Credit reporting or other personal consumer reports

XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXX  XXXXXXXX XXXX XXXX is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all hard inquiries these are not authorized by me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan was transferred from Ocwen Loan Servicing to PHH Mortgage on XX/XX/XXXX. There was no information given to make payments. I called the customer service number and the wait time was over an hour. The online system would not let me set-up an online account to make a payment. Once I did speak with a rep, I was able to make a payment. My XX/XX/XXXX payments was applied to XXXX. I have never been late with a payment in 16 years. My XXXX payment was applied to XXXX. I called again and waited another hour to speak with another rep. He told me that he would put a work order in to research my history with Ocwen and it would take 10 days. I called backed after 15 days and was told to send my own payment history ( which I did ). On top of that I made a payment, and they debited the incorrect amount out of my bank account. I have two liens and one is fully paid off. They keep telling me to send in payments for interest and recording fees. I have already sent these payments twice and I don't even have a principal balance. I was told that they keep applying those payments into a suspense account instead of updating the system to show that I fully paid off the loan. They keep taking my money and not updating my account. The last time I made a payment on my fully paid off account, they ended up debiting an entire mortgage payment from my account. It was the amount I paid prior to paying off the account. They did not have an authorization to debit my account for a full payment that was not even due because the loan was paid off. As I stated, I paid this recording fee and interest twice. As for my second account, they also debited an entirely different payment than I authorized over the phone I called back today and was told that my representative was unavailable for the entire day and there was no one else that I could speak to about the matter. I never take time to file complaints, but this is absolutely the worse company. How can you debit my bank account for an unauthorized amount. How can you still be making entire payments on a loan that is fully paid off? How can only one person in the entire organization be the only one to help me? How can the company take over my account in XXXX and bill me for XX/XX/XXXX and then apply that payment to XXXX when I already paid the mortgage for XXXX to Ocwen?  Something is wrong with this company all together.
Product: Student loan

As of today I have received endless emails regarding my student loans and repayment even though there is a moratorium on Student Loans until the end of XXXX. Today 's email stated I was past due and the company has placed my student loans back on my credit report impacting how many accounts I have. They have failed to send documents I needed through the mail to show my name change and proceed with reducing my monthly payment and when I did call I got told I had to complete paperwork with the federal government. They refuse to help or work with me directly. The debt with them does not reflect when I pull up my federal loans and this ongoing harassment is not going to be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Checking or savings account

Chase Bank will not refund fraudulent transactions of unauthorized use of my debit card in another state saying the physical card and PIN were used. 

Fraudulent Transactions included : - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX - {$2600.00} - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX XXXX {$2600.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 - {$480.00} Total charges amount to {$5600.00} The transactions took place in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida XXXX when I was in  XXXX XXXX, CA XXXX at work with my debit card in my presence.

Chase initially refunded the amount when the claim was filed on XX/XX/2023. But later reversed the credit and took back the amount when their investigation inaccurately concluded that the physical card and PIN were used and are calling it a legitimate transaction ( XX/XX/XXXX and XXXX, XXXX ).
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( " You have reached customer service ... '' rather than, " You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.
Product: Checking or savings account

Hello, On XX/XX/year> I deposited a large check in person at a Wells Fargo branch in XXXX. I spoke to the manager and a teller and they reviewed the check before depositing it into my account. 

The total of the check was {$62000.00}. This was late on Thursday afternoon. 

By Friday morning they said the check was altered. The check was rejected and my account was closed. 

I contacted the issuer who said the check is legitimate. Wells Fargo did not even wait 24 hours for the check to clear. For a check that size, it usually takes a few business days. 

Wells Fargo also said this check looked suspicious and that's all the reason they need to take such action. 

Wells Fargo returned a copy of the check to me but not the original check. I would appreciate any advice. They didn't even discuss this matter with me before closing my account. 

Is there any action I can take at this point to prove that the check was legitimate? 

Thank you. 

Best Regards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. 

I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.