23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Card opens through XXXX XXXX XXXX in XXXX of 2018 has been charged off or sold to another company Portfolio Recovery account status remains open on my credit report through Portfolio Recovery and reports a incorrect balance owed and timeline.
Product: Credit reporting or other personal consumer reports

Im receiving harassment calls daily. Ive blocked a dozen number from a company I did not do any business with and when I answer they hang up. Ive asked to stop bothering me multiple times and the harassment continues.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred despite having insufficient funds, when transaction were authorized. I was charged fees due to lagged postings of charges and credits. This issues aligns with recent CFPB findings against Navy Federal for similar transactions settled with insufficient funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have been trying to contact Discover 's legal team FOREVER, in order to settle my credit card debt for less. I have called over twenty times, however, they keep selling my debit to third party Collections agencies, and the latest one is XXXX XXXX  XXXX, which have a dishonorable reputation, rarely pickup the phone for negotiations, haven't made an offer, and are probably getting ready to sue me and garnish the very little stimulus check money I have in my account. It is indeed going to cost them more to sue me than settle with me over the phone. 

As I was able to reach them after numerous attempts, I offered to settle for less. The representative of XXXX XXXX  XXXX gave me the impression that she is working with me and that it's a " done deal. '' That was my perception. She asked numerous personal questions regarding my income, personal assets, about where I live, what I drive, how much I make, some other stuff. Then she placed me on a brief hold and came back by stating they can't settle for less and are offering to settle for {$4900.00} which is around six time the amount I had offered. She purposefully gave me the impression that those personal questions were asked to settle for the amount I had offered. 

I will be moving soon to the East, if everything goes as planned. XXXX XXXX  XXXX have allegedly transferred the debt back to Discover as I told them about the move. They don't operate there. I think this worked to my benefit since I wound't wish this entity upon my enemies. 

After the transfer, I have called Discover, the original debtor, an unhealthy amount of times, recorded many of these calls with their consent to prove in the court, when and if the time comes, that I have made the attempts. They either do not have the debt or are rude or unhelpful. The last, rude girl from the legal department yelled at me for recording without her consent, even though they'd been recording me constantly without my " yes '', and the app I used specifically mentions that it is being recorded. 

I was diagnosed with XXXX a couple of years ago, ( I can provide with the papers ), and I've been XXXX  XXXX  due to not being able to speak to anyone and/or negotiate in a reasonable manner. This is insanity. I understand my obligations, but unemployment happened, followed by Covid, XXXX XXXX  and despair. Why aren't this companies approaching more humanely? Why is no one contacting me with a reasonable offer? I can offer 15 % of the original debt for a full settlement. I am extremely poor right now, extremely XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX, Equifax, and TransUnion for unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act of 2010 ( CFPA ) as well as multiple violations of the Fair Credit Reporting Act ( FCRA ). 

CREDIT BUREAUS ILLEGAL PRACTICES & VIOLATIONS Failure to Accurately Convey Consumer Disputes to Furnishers The credit bureaus have distorted, truncated, and mischaracterized my disputes in direct violation of 12 U.S.C. 5531 & 5536 ( CFPA ). 
Failure to Remove Fraudulent Information as Required by Law Under 15 U.S. Code 1681c-2, once I have provided proof of identity theft, the bureaus are required to block fraudulent information within four ( 4 ) business days. They have failed to comply. 
Failure to Conduct a Proper Investigation ( 15 U.S. Code 1681i ) The credit bureaus have failed to conduct a legally mandated investigation of my disputes within the required 30-day period, resulting in continued damage to my credit report. 
Willful & Negligent Noncompliance ( 15 U.S. Code 1681n & 1681o ) The credit bureaus are willfully and negligently reporting fraudulent accounts, inquiries, names, addresses, and phone numbers despite clear evidence of identity theft. 
Failure to Provide a Full and Accurate Consumer Report The credit bureaus are required under the FCRA to maintain only accurate and verifiable information. By continuing to report fraudulent data, they are knowingly violating federal law. 
THE CREDIT BUREAUS ACTIONS HAVE CAUSED ME FINANCIAL & EMOTIONAL DISTRESS Due to their failure to comply with federal law, I have suffered : Damaged creditworthiness due to fraudulent accounts and inquiries Inability to obtain necessary credit and financial services Emotional distress caused by their negligence and refusal to act
Product: Credit reporting or other personal consumer reports

This is the XXXX  time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Lendmark checked my credit score without my consent. 
They want to offer refinancing. I turned them down. I have a hard inquiry hit. 
This is fraud.
Product: Student loan

In XXXX I enrolled in a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed 5 years of my masters as a full time student and than was involved in an XXXX. Left with a XXXX XXXX I was unable to finish and obtain my license to make money. My student loans ( XXXX XXXX, XXXX and plus loans went into default ). 

I was granted XXXX XXXX According to XXXX- XXXX onset XX/XX/XXXX, date of entitlement- XX/XX/XXXX - medical review XX/XX/XXXX with a 3 year review status The treasury did a TOP offset to my check for $ XXXX. 

***Social security administratioXXXX NEVER reviewed meIN 3 years instead they forwarded me a letter that : *** I DID NOT NEED TO BE REVIEWED. 

It is now 7 YEARS LATER. 

According to XXXX discharge form with NELNET,- with a XXXX year NO REVIEW, I can ask that my loans be discharged. 

I forwarded NELNET the letter of no review needed by SSA. 

NELNET declined my TPD due to SSA having me listed as 3 year review! 

HOW DO I GET SSA TO CHANGE MY REVIEW LETTER TO 5-7 YEARS SO NELNET WILL APPROVE THE TPD DISCHARGE? 
I am currently still receiving XXXX  - XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

I C SYSTEM at ( address of company ) has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.
Product: Credit reporting or other personal consumer reports

Company in question : CREDIT COLLECTION SERVICES- XXXX XXXX XXXX XXXX, XXXX, MA, XXXX phone # ( XXXX ) XXXX self-service.ccsusa.com AKA CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ccsusa.com ALSO operating at XXXX XXXX XXXX, XXXX, MA, XXXX They have willingly furnished false and misleading information onto my consumer report to the consumer reporting agency " XXXX ''. They have posted the following information to XXXX : Original Creditor : XXXX XXXX XXXX Account Type : Open account Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : XXXX $ Original Balance : XXXX $ This account is not open and I have requested XXXX debt verifications with the most recent being just over 30 days ago with no response. I have sent this certified mail with return receipt and they have received all XXXX separate requests from me with no replies. This is a clear violation of the FDCPA and their duties to the consumer to stop reporting to consumer reporting agencies until the debt has been validated.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX
Product: Credit card

I received a hot water heater installation by a third party partnering with Lowes ( XXXX ) on XX/XX/XXXX. Additional parts not provided were included and I was coerced to sign and swipe my Lowes card at a higher amount to complete the installation because the initial quote that was given was different and not provided until the old hot water heater was removed and the new one installed.

After trying to resolve with Lowes throughout late XXXX and early XXXX, I filed a dispute for goods and services not received on XX/XX/XXXX with XXXX bank, Synchrony. I was called by a representative from XXXX on XX/XX/XXXX and was eventually threatened during that phone call to drop the dispute. I uploaded supporting documentation of that call along with additional documentation via an XXXX XXXX of email confirmations that Synchrony sent to confirm receipt of documents by Synchrony on XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

I was informed by Synchrony that the dispute was resolved in favor of XXXX on XXXX. I called to speak with a Synchrony dispute representative and the manager confirmed Synchrony did not receive the documents despite the audit trail confirmation. He reopened the dispute and committed to locating the documents and Synchrony reaching out to me if they needed to be reuploaded by me. Nobody reached out. 

Today, XX/XX/XXXX, Synchrony closed the dispute a second time in favor of the merchant and told me to resolve it with the merchant directly, which I dont feel comfortable with after the threat. I called to speak with a manager in the dispute department and I was told they would reopen but they continued to reiterate that they hadnt received the documents despite the email receipts I have. I told them I would open the CFPB complaint about how this has been handled and they told me to do it and that the dispute would likely still not be resolved in my favor because they dont believe I didnt receive the goods/parts not provided or needed. They called it quality but one of the parts is one I installed on my own because it wasnt installed that day. So I dont understand how I can still have to go through the pain and suffering of trying to resolve with a merchant that is scammy, has an F rating on the XXXX, and my bank is gaslighting me saying they didnt receive documents despite sending me receipts that they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX  refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX bankruptcy was discharged thisXX/XX/2020. After reviewing my credit report I see that my existing mortgage with XXXX XXXX XXXX  is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time. 

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit. 

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.
Product: Debt collection

I am writing to dispute the validity of the debt referenced in your recent communication to me, which you are attempting to collect and have furnished on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Tennessee state laws, I request that you provide me with the following information to validate your authority to collect this debt :
Product: Credit card or prepaid card

Received call around XXXX on XX/XX/2023 from XXXX XXXX XXXX Police detective XXXX XXXX XXXX XXXX ) XXXX, informing me that they had recently came across a large scam involving multiple people and that one of the pieces of mail they found was in my name. The perpetrator involved had applied for and received a Bank of America XXXX Alaska Mileage credit card in my name. XXXX XXXX gave me their police report : XXXX. I called Bank of America and they informed me that their was a fraudulent credit card set up in my name with a credit limit of {$15000.00}. Thankfully, no charges were made on the card, and the Bank of America representative informed me that he card had been closed. I have contacted my financial institution, XXXX XXXX, and verified that my account is secure. I filed a police report with my local XXXX XXXX police department : XXXX. And I have contacted the XXXX credit bureau ( XXXX ) XXXX to report the fraud. I was informed my my local police department XXXX XXXX XXXX XXXX to notify the XXXX XXXX XXXX XXXX. Thank you- XXXX XXXX ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

I was hired by my employer in XX/XX/XXXX. I set up a direct deposit from my paycheck to a XXXX XXXX XXXX  on XX/XX/XXXX. Unfortunately, I did not keep an eye on these transactions and lost tabs on if the money made it to the account during the following pay periods. Fast forward to XX/XX/XXXX and I realized the XXXX account I set up did not have the amount of money I thought to be in there. I stopped all transactions at that time. After speaking with XXXX, they confirmed the account was set up but no transactions occurred. After speaking with my employer 's HR, they contacted ADP ( only employers can speak with ADP ) and it began a ping pong of me going between all parties to locate my money. I spent countless hours on hold, waiting for responses, sitting in XXXX branches, follow ups, etc. We were able to locate the money, where it remains, with XXXX in a " lock box '' account which belongs to " XXXX '' which is a XXXX XXXX XXXX. Due to the fact that I do not have a XXXX  account, I can not be tied to this lock box and thus can not recover the funds. ADP has refused to do a trace and recall because the transactions are " more than 60 days old '' ( XXXX advised me this is illegal and ADP should have many years of records ). My employer doesn't see how they can help me at this time and refused to assist further. I have documentation of my dialogue with my employer 's HR, confirmation of account set up, and tracing numbers of deposits that are linked to XXXX and the aforementioned " XXXX ''. I am in need of a resolution as this has been mentally draining and time intensive.