23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted XXXX XXXX on XX/XX/2021 and they sent me to Frontline. When contacting the lender Frontline Asset Strategies ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, XXXX XXXX. I contacted XXXX XXXX, Operations Support Manager at the XXXX XXXX, and they claimed to not have knowledge of the account and sent me back to Frontline. Yesterday, I was contacted by XXXX. XXXX XXXX from Frontline offering me help with the account, but when I called back, they told me that I have to contact XXXX XXXX. They have been " playing this game '' since XX/XX/2021 when I first contacted Frontline Asset Strategies. I am really concerned, worried and having XXXX XXXX about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company inaccuurately reporting status. Account is charged off or closed with a balance.
Product: Credit card

I closed synchrony bank XXXX account in 2019 but they keep sending me emails and they claim they will keep my account open for XXXX years. I want them to close it and delete all my information. The reason there is so much identity theft is partly due to these companies keeping customers information. 
I spoke with a woman, from XXXX who claimed they are legally obligated to keep it which I don't believe is true. Why would they legally be obligated to keep my information? Especially after 4 years?
Product: Debt collection

I have settled this account XX/XX/2020. I have contacted and told them that they are reporting to the credit bureau incorrectly.
Product: Debt collection

Received a call at  XXXX   XXXX  CT from  XXXX , a representative  of Portfolio Recovery  (  XXXX  ). I asked that the company not call me which was greeted with an ended phone call. I immediately called back (  XXXX  ), and when I asked again to be removed the representative demanded that I give my first and last name when I call back and then hung up.     I do not want them contacting me over the phone. Any and all business they have can be done through the USPS.
Product: Credit reporting or other personal consumer reports

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat XXXX  to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check in the amount of {$23000.00} to a XXXX. They are doing work for me on my deck. I mailed the check on XX/XX/XXXX and it posted as processed by my bank ( Capital One ) on XX/XX/XXXX. On XXXX the XXXX contacted me to follow up on the payment as they had not received the check I mailed on XX/XX/XXXX. On XXXX, I logged into my Checking account to review the transaction since I knew it had posted to my account. I opened up the image of the check and everything on the check had been changed except my wife 's signature. The Pay had been changed to XXXX XXXX XXXX a mobile deposit was made to to the same name XXXX, which I believe is XXXX XXXX XXXX XXXX. I immediately called Capital One to report the check had been stolen, washed and deposited by the person named above on XXXX. I've been contacting my bank every XXXX days since discovering my check had been stolen and the only feedback I continue to get is that they have contacted the bank where the check was deposited and are trying to recover the funds. I desperately need to get this money back and based on the interactions I've had with Capital One it seems like they don't seem to care if I recover the money stolen from me. I don't know what else to do so I'm filing a complaint with CFPM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HARVARD COLLECTION SERVICE for committing identity theft. I have never given HARVARD COLLECTION SERVICE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from HARVARD COLLECTION SERVICE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HARVARD COLLECTION SERVICE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HARVARD COLLECTION SERVICE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HARVARD COLLECTION SERVICE continues its collection efforts, I will file for litigation for actual damages caused and HARVARD COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Money transfer, virtual currency, or money service

I have an account with eToro for XXXX that is losing value and decided to sell and withdraw the money. 

I attempted to withdraw funds via using my XXXX XXXX XXXXXXXX checking account, however, I could not add my banking information. eToro 's platform indicated that the routing number is not accurate. 

I tried a different checking account from XXXX and that one also encountered the same issue. 

I can not get a hold of a live customer service or support person. I opened a ticket and nobody has responded. I tried to use chat and it says nobody is available and got a bot to chat with without resolving my issue. 

eToro made it easy to deposit money but withdrawing is rather a hustle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Product: Prepaid card

My account on XXXX  says it was paid XXXX weeks ago. And on XXXX  website and money network websites it says it would arrive in 10 days. Well its been longer since 10 days. 

I tried calling them but i cant get pst the automated system because XXXX not on there system when putting i in my social and my birthday. The money on XXXX says i already got paid so if XXXX not on the system where is my money at since u guys are in charge of it. Sorry this whole thing is just irritating. And i cant speak to a human without getting a card that i never got or my info working. This has been happening with other people. And also that peoples info and cards have been getting stolen
Product: Debt collection

This company is reporting an account to my credit which I have no idea who they are or where this account is from - I talked to the company and let them know of this and no one acts like they want to assist me- I am disappointed!
Product: Credit reporting or other personal consumer reports

I looked at my credit report months ago and noticed some things that were XXXX  % NOT correct. I know Transunion has tons of clients and lots of people to work with, however, I am NOT satisfied with them continuously ignoring my request and failing to make the necessary corrections to my account, even after I have consulted with a consumer attorney, they still have not corrected it or sent me any correspondence responding. 

I sent a letter asking them to reinvestigate the accounts below mult : XXXX XXXX XXXX XXXX : This account was opened in XXXX of XXXX, and paid in full on XX/XX/XXXX. It was a leased vehicle and I have NEVER missed a paymen.t I have sent Transunion the proof of payments and they still fail to correct my report or even respond to my investigation requests. 

Bankruptcy XXXX : I have written to Transunion multiple times about correcting the misinformation and how they have this listed on my credit profile. They continuously refuse to respond to my requests to update or delete the information to ensure it is correct. 


Can you please look into this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago, I was able to work with the rate reduction team at navient, to lower the interest rate of my loans and have a fixed payment for the life of the loan. These payments were set up automatically, and for the next 2 years taken religiously without issue. 6 months ago, I was given a call stating that one of the loans were coming out of the program and no longer eligible ( after I was told they all were enrolled in the program ) I explained to the representative what I was told and who I spoke to 2 years prior and they were able to find the recordings and they would enroll the single account back into the program. 2 months later, I got another call from someone else, stating the same thing. In which, the same conversation ensued and the same result. 2 months after that, someone else called on the same issue, in which I explained and they told me everyone I spoke to prior to was wrong, and this particular loan was not eligible for the rate reduction program. They then had proceeded to place late payments on my credit report, and the automatic debits they had placed from years prior to was still paying that loan at the amount we agreed on, however, since now they wanted to say that one account at a 10 % rate was not eligible the amount they were debuting was not enough. I have been going back and forth with them, to backdate the loan, update the payments and my credit so that it is properly reporting my payments that been applied and taken on time. However, up until now, I still have no answer and have spoken with numerous representatives that acknowledge where they messed up and attempting to rectify with the credit area but tell me I have to wait 30 days for an answer from 3 different areas, in which, in the last 2 months I havent been able to have anything update and my credit continues to plummet. Ive disputed the information with the credit bureaus and they are receiving information from navient stating the late payments are correct, when they are telling me they will update the right information and notify the credit companies that I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. application number XXXX spoke to someone named XXXX who was helpful but i was still upset from the lies of the employees as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XXXX XXXX ACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON
Product: Checking or savings account

I am a victim of identity theft and I reported this to CapitalOne on XX/XX/2021 and asked to flag and secure my accounts. CapitalOne failed to protect my assets and failed to take precautions. On XX/XX/2021, CapitalOne allowed the fraudster to do 2 withdrawals back to back within a span of 5mins and took a total of {$6000.00} from me. It has been an entire month and each time I call they all say the same thing, no timeframe of when I will get my money back and no timeframe for any updates/status of my case. I have been asking for an affidavits for weeks and still no words about it. If CapitalOne had taken my reporting seriously back in XXXX all of this could have been avoided. All the represenatives nonstop repeating the same thing that I will get my money back don't worry about it and someone will contact me in a few days, but this is not the case and its 4 weeks now and still no answers.
Product: Credit card or prepaid card

XXXX XXXX made illegal purchases on my DiscoverCard totaling {$680.00} from XX/XX/2020 to XX/XX/2020. I do not have the products in hand and never received the service or product. XXXX XXXX scammed, conned, and did dishonest business practices in gouging me out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX XXXX XXXX XXXX has XXXX to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC XXXX number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX  XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my Experian and XXXX report, and three of them on my XXXX report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
Product: Mortgage

I have requested a copy of Notice of Assignment, Sale and Transfer of servicing rights for my home loan account. I have still not received this notice. I am looking for the assignment reported to XXXX XXXX for the complete transfer of rights from Washington Mutual to Chase. 
I also am requesting details of who owned my mortgage while CHASE was servicing this loan.
Product: Student loan

Received a letter from Mohela indicating that they owed me a refund of {$3900.00} and I could expect a check within 45-60 days. I have not received that check, and when I ask Mohela about it I get a different answer every time, including that it was mailed back in XXXX by Mohela, and that they are not responsible for mailing the check but the federal government is. It is 60 days, and I have not received the refund, and have not received a clear answer from the loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report But I have items that are left over which are listed below. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX
Product: Debt collection

I contacted this company via us mail requested verification of debt. I also filed a claim against this company for failing to provided the verification of the debt and the account that they are reporting. They responded by sending an statement but failing to provide other proof as I requested. I requested for them to provide 1 ) What the money they say I owed was for. 2 ) The original creditor and how the amount was calculated. 3 ) Proof that they were assigned to the debt or owns the debt. 4 ) Proof that the statue of limitations are not expiredAdditionally, when I spoke on the phone with a XXXX XXXX that represents the company, he refused to allow me to make arrangements and threaten to take me to court over the amount that I owe. He told me that he would not accept anything less than XXXX regardless of my financial hardships which was not his concern. I spoke with him at my job which is a recorded line to prove his conversation. 
This statement that was sent to me via mail is not enough information to verify their claim. Attached is copies of what they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to get this this bankruptcy removed from my record from Equifax and XXXX with the law that went into effect in XXXX 2017. According to the requirements to remain on my record it must have 3 of 4 things. 1. Date of birth 2. Correct address 3. Full social security number 4. Correct name. The name just says XXXX XXXX, theirs alot of them I 'm XXXX XXXX XXXX XXXX, Does n't have a full social security number, the address is not where I live. And the listing has no return address which has to be provided.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$4700.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX  {$11000.00} XXXX XXXX XXXX {$640.00} XXXX {$0.00} XXXX XXXX {$0.00}