23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bonneville Collections is a scam company. They are located in XXXX XXXX, UT. See attachments. I do not owe this debt. Ive contacted this company several times and have explained that this debt is the result of stolen identity. XXXX XXXX XXXX takes a persons information over the phone to start a new utility service. The person isnt asked to come into their office to provide proof of identity or information to initiate utilities. This debt does not belong to me. Bonneville Collections and XXXX XXXX XXXX XXXX have destroyed my name and credibility. Theyve gone so far as to place this fraudulent debt on my credit report. Ive already had a pay a fraudulent debt with XXXX XXXX XXXX because someone initiated utilities with them too. XXXX XXXX does not have the customer come into their location to make sure the identity of the person requesting services matches state/government issued ID. These actions, by XXXX XXXX, XXXX XXXX XXXX and Bonneville Collections have caused XXXX, XXXX and tremendous XXXX  resulting in XXXX. I have contacted XXXX XXXX of XXXX. I will be looking for other agencies to contact about what has been allowed to happen to me.
Product: Credit reporting or other personal consumer reports

Car was repossessed w/o any missed payments.

Requested debt validation letter and havent received in over 2 years.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from Experian that currently still show inaccurate information. I have sent 3 requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. 
I demand you to remove this item below : 1 ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX XXXX ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX Please find attached documents : XXXX XXXX United States Bankruptcy XXXX XXXX XXXX XXXX Georgia letter 2 ) Georgia Drivers License 3 ) Georgia XXXX XXXX XXXX ( light bill ) Please Pay By : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Experian - Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX and 2 inquiries appeared for one application. Also, my credit score dropped approximately 100 points immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting

I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them.
Product: Credit reporting or other personal consumer reports

Account Has been paid in full, XXXX XXXX refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with Experian and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to XXXX updated information. 

Here is the situation. In XXXX XXXXXXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX did NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to Experian, XXXX and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on Experian, XXXX and XXXX part. Correspondence with Experian has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to Experians records, this has not been provided. XXXX and XXXX site does not provide and option to address the issue since the problem is not one of the options listed.

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like Experian, XXXX and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.
Product: Mortgage

SPS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have an approval from SPS for the previous buyer ( issued on XX/XX/XXXX and good through XX/XX/XXXX ). This buyer backed out at the last minute and we submitted a new offer on XX/XX/XXXX to SPS. SPS had acknowledged receipt and has been telling us for the last TWO WEEKS that the offer is under review. Now, all of the sudden, they are refusing to work on the new offer claiming the auction date is too close. In previous conversations with SPS they stated the full package and offer must be submitted more than 37 days of the auction date ( XX/XX/XXXX ) so that there is time to review for the approval. Instead of reviewing the offer that was submitted more than 37 days prior to the auction date SPS is now making up new numbers and claiming the offer has to be in within 47 days. 



-- -- -- -- Our new offer was submitted WELL before the 37 days prior to this auction date and SPS is STILL REFUSING to review the new offer. Its not as if we were asking SPS to re-view completely new terms - the buyer can close very quickly as it is an all-cash offer AND the terms for the new buyer were exactly the same as the old buyer. 


-- -- -- -- When pressed on the date discrepancy between the 37-day rule and the new 38-day rule, SPS came up with a flimsy excuse, saying they wont review the new buyer because they were working on an extension for a previous buyer and were unaware that that buyer had walked during the extension review. I find this to be disingenuous at best because as soon as we knew about the new offer, we told SPS and provided them with another offer the same day. There was no hiding of any facts or deception by us in regards to the status of the buyer. 


-- -- -- -- ****Additionally it is important to note that the ONLY reason the extension was requested in the first place was due to the other THREE LIENS with the FTB and the IRS , on the property, which we have already started work on getting removed so that we can close as quickly as possible. In fact, the IRS has already issued their release, and the FTB is only days away from issuing their release letter. Both releases are at NO COST to SPS nor the homeowner.

-- -- -- -- Normally, SPS approval letters allow 45 days to close. SPS only  gave 30 days on this one. WHY???? Is it because he's XXXX? 


-- -- -- -- I want the new offer to be reviewed. There should be no issues or further delays, as the terms of the offer are the exact same as the ones SPS already approved. We may need a small extension to the approval letter itself, in order to obtain the THREE Lien Releases from the FTB and IRS there is nothing we can do about this-we cant make them disappear. ************* HOWEVER, we will close prior to the auction date of XX/XX/XXXX we just need an approval for this new buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Portfolio Recovery never proved that I owe this debt, I never signed anything with them. It wsa also send and recieved after the 3 year statuate of limitations was up. It is still showing on my credit report. I believe they have been suid for this very practice.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I emailed to see if they could email me a payment plan with a lower payment so I can take care of this and they can stop threatening me. I explained to them why I do not have a phone during the day. I work I. A lab and not phones are around due to confidential information. They ignore and do not respond. That is all they have to do.
Product: Debt collection

I had no idea there was a judgement against me I received notice in the mail XXXX my niece I take care of told me she went to the bank and she gave me a notice a writ of execution was on my bank account.She stated they also have frozen her bank account she is under age.I was told from Midland Funding LLC this debt was with XXXX XXXX they indicated i declined to appear in court XX/XX/XXXX.I was told a court papers was left at my residence I was out of town when they said the notice was left XXXX. I was out of town have my airline ticket to prove i was not in town.The actions of this creditor severely crippled my normal way of life which is preventing me from handling executing my daily finances.
Product: Checking or savings account

I renewed my CD XXXX XXXX XXXX XXXX over the telephone on XX/XX/XXXX. 

This was to Bank of America, I spoke with XXXX. 
I was told the CD would be sent to me to arrive in 7 -10 days. 

XXXX XXXX called on XX/XX/XXXX and spoke with XXXX He said i would get the CD for sure - conf # XXXX. 

What I got a few days later was an envelope stuffed with booklets about how BoA handles my account, etc. But no CD - the very thing I asked for. 

Every other bank has no problem with sending a copy of a CD- why won't BoA do it. 

Please help me get a copy of my renewed CD. Thank you.
Product: Credit card

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX and XXXX Credit Bureaus are reporting inaccurate information on MILITARYSTAR. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the list of the erroneous account reporting on my Credit report. MILITARYSTAR XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Bank account or service

MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT BANK OF AMERICA.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH BANK OF AMERICA IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH BANK OF AMERICA.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY.
Product: Debt collection

On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S Bank reported our credit card account 30 days late on XX/XX/XXXX and 60 days late XX/XX/XXXX. There was an ongoing error with their mobile application which would state a {$0.00} payment before the due date. 

Same problem happened with our Equity line of credit in XX/XX/XXXX, which we disputed and U.S Bank acknowledged the error produced by the mobile application and agreed to remove the 30 day late remark. 

Attached is a letter from U.S Bank confirming the mobile application error which also affected our credit card account XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They call me XXXX XXXX XXXX  this is not my name they keep asking me on a recorded line to say I'm XXXX XXXX. Then they've asked me to pay back over XXXX to a student federal loan
Product: Checking or savings account

on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me
Product: Credit reporting or other personal consumer reports

Disputed Accounts : [ Account Name or Creditor, e.g., XXXX XXXX XXXX XXXX ] Reason for Dispute : The account is inaccurately reported as both charged-off and closed. Payment history details are inconsistent across reports from other bureaus. 
Requested Action : Please remove this account or correct the reporting to reflect accurate information. 
[ Account Name or Creditor, e.g., CREDIT COLLECTION SERVIC ] Reason for Dispute : This collection account lacks validation or clear information about the original creditor. 
Requested Action : Remove this account unless validation is provided as required under FCRA. 
[ Account Name or Creditor, e.g., XXXX XXXX Credit Card ] Reason for Dispute : Payment histories are inconsistent across the credit bureaus, and late payments are reported inaccurately. 
Requested Action : Correct the payment history or remove the account.
Product: Credit card

Discover turned my account over to collections/attorney and a garnishment was issued against my paycheck. No paperwork or calls were sent/made to me before I received the garnishment notice from my employer. Discover will not give us any information since this is with an attorney/collections. Charges were made in XXXX, judgement made in XXXX. Garnishments started in XXXX. At no time was I contacted or made aware of this process until I received the garnishment and I have been told nothing could be done since it was already filed and approved. We dispute the charges of XXXX  and need help getting this resolved. Again, no notifications were received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit card

My flight on XXXX XX/XX/XXXX was delay due to weather. According to American Express - XXXX XXXX, I'm entitled to trip delay and cancelled benefits. Then a claim No. XXXX with XXXX. However, XXXX rejected my claim stating " 2 claims per Eligible Card per 12 consecutive month period '', because I had a claim in XX/XX/XXXX, hence the claim was rejected. However, the term of Trip Delay Insurance does NOT state when the 12 consecutive month period starts. XXXX adjuster stated that 12 consecutive month period is the start of first incident occurred. Insurance company can't just cite new terms or adding non existing terms after we signed up for our card, and worse after incidents occurred. I requested the claim to be escalated and dispute for the claim. However, XXXX 's adjuster XXXX refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not investigation for the dispute just a standard response : Reference XXXX I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on my aunt XXXX XXXX citi card. I got the card been using it. They had told her it would report to all the credit reporting agencies but never did. She had called citi about the matter and they said it should been reported. This is why I am coming here so we can resolve this as soon as possible. My account # ends in XXXX
Product: Debt collection

Debt collector never reached out or mailed any type of communication. They have appeared on my credit report and the amount is changing every month.
Product: Student loan

I am writing to report a serious issue regarding the relentless and intrusive communications from XXXX. They have been reaching out not just to me, but also to my family members, including my parents, aunts, uncles, great-aunts, great-uncles, and cousins, multiple times each day. Despite my repeated requests for them to acknowledge my concerns and stop this harassment, XXXX  has not only ignored my pleas but has continued to suggest unrealistic monthly payment plans and forbearance options. These proposals not only fail to resolve the core issue but also risk worsening my already significant debt due to accumulating unmanageable interest. Additionally, I have conveyed how this constant harassment is affecting my parents ' XXXX, yet XXXX  has remained unresponsive to my requests for a fair and amicable resolution. Their insistence on communicating with individuals not listed in my file, beyond just myself and my cell phone number, is both intrusive and inappropriate. I feel I have no other option but to inform XXXX  of my intention to report them and consider legal action for harassment and unfair practices. Nevertheless, their aggressive tactics persist. I respectfully urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into this situation and take suitable action against XXXX  for violating fair debt collection practices. I believe my rights as a borrower are being severely compromised, with a permanent mark on my credit score
Product: Money transfer, virtual currency, or money service

on XX/XX/2024 i was scammed by a XXXX account promising a rental apartment in XXXX XXXX. They emailed a signed rental agreement and asked for a security deposit for one month 's rent. i XXXX  them {$1200.00} from my Bank of America account. they claimed that this payment froze their bank account and after several days of back and forth they confirmed receiving the money. 

now they are asking for first month of rent without willing to talk on phone or provide keys to the place.