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

Concora credit : Destiny Mastercard XXXX  this year possibly sooner my account was frozen and card shut down XXXX  fear of account takeover. Spent the following months verifying identity, awaiting 3 investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally XXXX  after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing formally and submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done my previous attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit 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 XXXXXXXX.
Product: Debt collection

RE : XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC I am writing to follow up regarding the matter of an outstanding account that has been associated with several entities, including XXXX XXXX , XXXX, LVNV Funding LLC , and Resurgent Capital Services . As I have become aware of the involvement of these entities in relation to the account in question, I am hereby requesting documentation and proof of your ( Resurgent Capital Services ) in connection with this business matter. 

To provide some context, the account in question originated on XX/XX/XXXX, with XXXX XXXX  and was opened with XXXX. The last payment received on the account was on XX/XX/XXXX, and it was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$1300.00}. It has been brought to my attention that LVNV Funding LLC allegedly purchased the account. 

However, despite this information, I have not been provided with any documentation or evidence demonstrating how both you and LVNV Funding are involved in this business matter. It is imperative for me to understand the nature of your connection with this account and to ensure that all parties involved are operating within the bounds of the law. 

Therefore, I kindly request that you promptly provide me with any and all documentation, proof of assignment, or other relevant information pertaining to your involvement with this account. This documentation will help me to better understand the situation and take appropriate actions if necessary. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation at your earliest convenience. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Broke The Law!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and got XXXX in XXXX of 2021 and my mortgage payment still does not report to my credit report. And I'm getting the run around about who problem it is.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX a payment was duplicated at XXXX for XXXX dollars. Cash app was notified- all necessary steps were taken, a police report filed, and they continue to deny the dispute without providing any documentation except a copy of the charge. All of this is a clear violation of the XXXX and they continue to violate it
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 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account NamXXXX XXXX XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am being charged a {$7.00} maintenance fee but I have regular ACH deposits. I want the {$7.00} fees reversed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX  XXXX Balance Owed : {$96.00} XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$840.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX Acct paid early XX/XX/XXXX XXXX. CURRENTLY Waiting escrow overage refund! RELIANCE states sent XX/XX/XXXX regular mail but has no way of tracking. They will Not cancel issued check and overnight and stated it would take at least 30 days for a replacement to be issued. OPINION- built in float to hold our funds! How you allow this is unblievable but then again what don't you allow?
Product: Credit reporting or other personal consumer reports

On XX/XX/2017 My vehicle was broken into and personal information was taken along with cash, My drivers license and my SSN card which were stored in my vehicle middle console. This information was subsequently used to open a Cellular phone with XXXX XXXX  on XX/XX/2017 which i did not authorize. The person used the card to run up a bill of {$1500.00}. This account shows up on my credit report in all three bureaus as a collection. I have provided the three major bureas a copy of the police report filed, The FTC identity theft report filed and a copy of my drivers license and SSN card as required. This information was also provided to XXXX XXXX. This information still appears on my credit report even though it should be blocked by FCRA 605B as I have provided the neccessary documentation.
Product: Vehicle loan or lease

Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.
Product: Debt collection

I am a veteran and was offered a 3 line package with XXXX if I transferred my lines. On XX/XX/2021 I tried to port over my wireless cell from XXXX by XXXX to XXXX however they could not complete the port. I was misled when they offered the services. Since the port was not able to complete I never activated the services. In other words, I am being billed for services never rendered. XXXX recognizes that the port was not successful and the account was canceled the same day. I contacted XXXX several times and was advised they will correct the account but have not done so. Now they have placed the account with a collection agency that has threatened to report it on my credit report. This is a clear case of unfair and dece [ tive practices. The amount billed is {$97.00}.
Product: Mortgage

I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.
Product: Credit reporting

I disputed my judgement with Equifax on XXXX XXXX, XXXX. The other XXXX bureaus had already deleted it. This was an eviction from XXXX XXXX and the courts replied to Equifax reporting satisfied/released. 1. Equifax refused to remove it stating the courts would have to send additional forms even thou the courts responded to them directly stating it was released. ( I have the conversation recorded ) 2. Equifax then RE-AGED this judgement on my credit file to XXXX XXXX to reflect it as being recent!. ( I have the form showing my score went down due to a NEW judgement being added to my report. ) 3. They also did this to another item I disputed. I have the information showing my score dropped due to a new ( bad account ) being added to my credit profile. They closed the previous account and then " opened '' up a new account on their own. I DO NOT have a new account with this company. Equifax is maliciously causing stress to me, reporting wrong, damaging, and inaccurate information to my credit profile. My consumer rights have been violated.
Product: Money transfer, virtual currency, or money service

Scammers made it seem like a friend was in danger unless I wired money to fly them home. Starting on XX/XX/XXXX. I wired 4 installments of money to various banks in the USA. 
The first two installments were {$5200.00} each. The third and fourth were each {$25000.00} I could not get the money back unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/ Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted Experian several times regarding the numerous inaccuracies on my consumer report, as previously discussed with your office. There are multiple discrepancies in names that don't match my driver 's license. Kindly remove this erroneous data promptly. Attached documentation, including my driver 's license, validates my claim. Thank you for your prompt attention.
Product: Debt collection

This is now the 5th police report I have had to file due to my identity being stolen in multiple cities in Georgia. Somewhere between the last few years, someone in Georgia was using my Social Security information to apply for, and open, lines of credit in my name. They were traveling to different apartment complexes who would eventually send their missed payments off to collections agencies. These credit accounts turned into collections accounts without my knowledge of their existence and ended up showing up on my credit reports. I have filed multiple police reports in an effort to have these false collections removed from my credit reports and yet they keep showing up. I have never lived in/nor traveled through Georgia in an attempt to find an apartment or to apply for lines of credit. The most recent apartment complex to add to my list was XXXX at XXXX, who eventually sent off collections to Genesis Credit Management in XXXX WA.
Product: Money transfer, virtual currency, or money service

Okay im resident of XXXX Ohio and I was scammed out of XXXX $ on Thursday XX/XX/XXXX. 
Okay this what happen i walked to the ace cash XXXX right and i had check in hand and id and was just trying to do business right. Im second in line up next, i get to the window and i gave her the check then she ask for id i gave it to her. Then she started talk to me like a Friend right we was talking bout nothing for real then she got the cash out the register right then counted the money .Then somebody walk in and i looked to see just a random boy then i looked back at the lady/employee she put some money back in the cash register. She acted as she put all the money up on the conuter all XXXX $ up but really put XXXX $ back in the cash register as i look away Sincerely unknown
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Debt collection

I AM NOT THE " XXXX '' that owes this debt! How many XXXX times do I have to tell Portfolio Recovery Associates " XXXX '' that I have NEVER in my life lived in Missouri! If anything, I believe that this is a case of credit fraud! XXXX can NEVER EVER prove I lived in Missouri! I can sure as XXXX prove I never have!
Product: Debt collection

Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see Experian stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against Experian and sue them for the damage taken due to their incompetence. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please eliminate this damaging data immediately. 

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

There are numerous account listed on my Transunion credit report that I have no knowledge of. This was a result of malpractice or an error.