23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt. 
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling. 

Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.
Product: Debt collection

I disputed this account with the credit bureau and it was not verified, and therefore, deleted. This account was recently added back onto my credit report without prior notification. This account does not belong to me. I have no contract with this company.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unrecognized Hard Inquiries and Address Data Breach Concerns Dear CFPB Complaints Department, I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report and to express concerns related to a data breach involving XXXX Credit Bureau. I recently discovered the following hard inquiries on my credit report that I am unaware of : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Experian : XXXX. XXXX XXXX - XX/XX/year> I have no knowledge of these credit inquiries and did not authorize them. To support my dispute, I have attached a report from the Federal Trade Commission ( FTC ) requesting the removal of these hard inquiries from my credit report. 

Moreover, I am deeply concerned about a data breach involving XXXX Credit Bureau, as my personal information may have been compromised. Given this breach, I am worried about the security of my sensitive data and the potential impact on my credit profile. 

I request that the CFPB investigates these unauthorized hard inquiries, ensures their removal from my credit report, and addresses the data breach concerns related to XXXX Credit Bureau. Additionally, I seek assurance that my personal information is protected and that measures are in place to prevent any further unauthorized access to my data. 

I appreciate your attention to these urgent matters and look forward to a prompt resolution to safeguard my credit information and privacy. 

Thank you for your assistance in addressing these critical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX committed Identity theft/fraud XXXX I am a victim of identity theft and I never authorized this inquiry/account. 
This company XXXX opened a trade/credit account using incorrect address & name. 
They falsely posted that account to my credit report. 
I called XXXX customer support but no answer. They have no fraud department to submit complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, Experian, XXXX and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4300.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX using Chase QuickPay with XXXX. I sent $700 to a vendor for a used XXXX  XXXX. I was promised that the XXXX  would be shipped out by the vendor but it never was. After a week that I sent out the payment and did not receive a tracking or a response from the vendor. I called my bank Chase to put in a complaint. Chase told me that they would not help me out. I tried to get some sort of verification from them so I could go to the police to file a claim but they refused to give me one. I sent messages and direct requests for help to XXXX  but nothing has been answered. It’s now XX/XX/XXXX and I don’t have the XXXX  or any help from Chase or XXXX  to recover my money. Recently I received a notification that Chase is going to monitor XXXX payments for scams and will be able to block payments. I feel let down by my bank that they haven’t done a thing to protect me when I needed the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX  and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : R.S. Clark and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Product: Debt collection

I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my report please remove this account from my report. It is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XXXX  : Collection account from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX Balance {$430.00} Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Product: Checking or savings account

I was out of the country for three months from XX/XX/XXXX to XX/XX/XXXX for family emergency. 
When I came back, my debit card is not working. I went to the bank of america on XX/XX/XXXX and I ask them why is my debit card not working. They told me, my bank accounts are frozen because of suspicious activity. My all money in the account is not there. And I immediately claimed those withdrawal are not mine. 
These is for sure fraud to my account. I notice the scammers fraud my bank. I report to federal trade commission someone is using my personal information and I let them know. 
I lost from my saving account XXXX dollars and checking XXXX dollars. I'm very disappointed by this situation. I can't pay my rents and it's ruins my life so bad. 
After all investigation, from the bank they are saying, the charges are made by you or by someone who has permission to use the card. I do not authorized any one. I don't lost any card or Id either. This is like covering up the situation for me. This is totally unauthorized debit transaction.
Product: Mortgage

I lost my job due to Covid and have experienced financial hardship also due to hurricane Laura and delta. My home is unable to be occupied due to these hurricanes. I have hired an attorney to receive payment from my insurance company but am still awaiting results. My mortgage company m & t bank is telling me I am ineligible for any assistance due to the home being non owner occupied. I looked on huds website and it shows there is assistance available for non owner occupied homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

This cell phone debt is not mine. This debt originated with XXXX who sold it to XXXX XXXX XXXX ( who deleted the debt ), XXXX bought it back, and sold it to Convergent Outsourcing who said that they had no information on the debt at all to even collect. <P/>PLEASE SEE COMPLAINTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent As a consumer, I should not have to jump through loopholes to see who owns the debt and try to track creditors down. <P/>Debt not validated with any original documentation to include my signatures.
Product: Credit reporting or other personal consumer reports

I woke up to find unauthorized inquiries on my credit report, and I have no idea why they are there. I check my credit regularly, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I'm deeply frustrated and need the documents I've provided to be thoroughly reviewed so I can have peace of mind and this issue can be resolved once and for all.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXXXXXX  I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! Experian, XXXX, and XXXX, that this inquiry due to Violation of 15 USC 1681b Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX Auto Dealers, New XX/XX/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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX
Product: Mortgage

I have a home loan with LoanDepot LLC. 

The first thing that caused me alarm was that they changed my account number about XXXX years after I had the loan. 

My mortgage payment is due on the first of the each month but my statements arrived on the very last day of each month. 

Recently they sent a letter that they had been hacked. I have not been able to make an online payment for the past XXXX months. 

When I complained about not getting my statements in a timely manner, I was told the payment isn't considered late until the XXXX of each month. I want the statements on time so that I can submit my payments on time. I like my credit to reflect on time payments. 

Recently I mailed in a payment, last month actually, I couldn't pay online and I didn't have a current statement. I sent the payment, a check and my loan information. Also a note letting them know my issue. 

They have now attached a late fee of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now Experian keeps telling me that there is a problem that exist that does not allow me to get my report online at the free annual credit report site. I have tried to call them many times to ascertain what the condition is and how to fix it but I have gotten no where with them.
Product: Student loan

Hello. I am an employee at a company that offers a XXXX XXXX  student loan benefit through XXXX. I have attached evidence of these payments being sent by XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>, as well as older payments. These payments have not appeared on my Mohela account ( my federal loan servicer ). I have called and spoken to representatives of both Mohela and XXXX XXXX XXXX reconfirmed that payments are in fact being sent. I " reverified '' my loan with XXXX to ensure that the correct loan was on file. When I spoke with Mohela, I was bounced between many representatives, and was ultimately not given any answer, but it was confirmed that payments were being " seen '' in the {$100.00} amount despite not being applied on my account.
Product: Student loan

Payments are being misalocated. I am on a fixed rate to pay off my loans in 20 years, and somehow my loan balances are increasing.
Product: Payday loan, title loan, or personal loan

I have an installment loan with both cash net USA and XXXX XXXX XXXX and due to COVID my spouse is currently out of work. I have reached out to both companies to explain this and to let them know that I would still like to remain an active payer but could only afford a smaller amount per pay period. They have both refused the lower payment amounts but instead have either deferred the payment which is making the interest constantly accrue and they have offered to split the payment up into four payments which means they expect me to pay the regular amount and the split amount once the one payment deferment ends. They keep saying I need to call back if the situation has not changed and I keep getting the same answer and same resolve. It has gotten to the point that I dont feel like I should call them because they are not listening to me at all
Product: Credit card or prepaid card

I have a Bank of America prepaid visa card which XXXX company sent me a year ago as a partial refund for damaged goods. I received the card a year ago and it expired on XX/XX/2021, which was a month ago. I found out that Bank of America took all the remaining balance ( over {$100.00} ) off the card upon expiration. I was never told about this kind of charge when I received the card, so I contacted Bank of America on XX/XX/2021 to see if I can get my balance back. However, the BOA representative told me she can not return the money back to me.