23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Oportune used to be known for progresso finaciero I have talked to them multiple times about my hardships at work and that I know of my financial obligations towards the loan. They offer no resolution and try to force huge amounts obvious payments that I cant pay. Ive paid them XXXX and then XXXX twice trying to catch up with my obligation. They call 8 plus times a day harassing me even after I try to resolve my missed payments. They have called my place of work and sent letter plus an actual person to my place of work which is my Employers physical address putting my job at risk of me being fired because my boss is not appreciating these calls or someone arriving at her home. She as well be filing a complaint against them. I dont own any vehicles, a home or house. They are threatening to sue or have filed when Ive tried to discuss with them and resolve issue. They do not care. I would understand if I were honestly ignoring my obligation but I am not. Im trying to work with what I can. Ive had two loans with them before and paid them off. This is a third loan Ive obtained with them and its ridiculous to me that I am a Returning customer and this is what they are doing to me. After I pay this off I will ABSOLUTELY not do any type of business and take my referrals elsewhere who have taken out loans with them as well. This company is a joke and Im thinking of course suing for my hardship with them and my way of income being compromised because of them harassing my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified Prosper Funding LLC that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past 20 years this company transunion has reported this bs false information i have asked them over 100 times to show proof my signature something on these medical bills they are constantly falsely putting on my account, they know and have been told over 30 times that I have full coverage insurance with the government and they still are falsely ruining my life because of these false reports even asking numerous times for proof which they just decide to ignore me which has caused me to not get jobs .credit .cars a home and I am so tired of it they should be put in jail also they have the nerve to never let me get my credit report or score on line saying I have to write them so they think they can prolong it enough is enough and I am going to have to take this to a higher level .how is it that my score with XXXX  and XXXX are in the XXXX while there score for me is in the XXXX and they never reported the car I paid for 3 1/2 years with never one late payment that because of these companies I had to pay the highest % rate for no reason except for them reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Transunion, XXXX and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX XXXX
Product: Debt or credit management

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Collection Agency Name : Receivable Management System Account Number : Unknown Amount of Debt : XXXX Date of First Delinquency : unknown I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. 

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX, if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a letter saying that the report was prepared on XX/XX/XXXX After looking at the report it showed that someone opened an account with USBANK XXXX. The account Routing number shown in the report is # XXXX and the account number shown in the report is # XXXX. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This is a savings account. The document sent by XXXX XXXX shows my first and last name, my address, my social security my date of birth with is correct however the drivers license ID # XXXX provided to open the account is not my drivers license number. The ID State is MN which is not where I live. 

Upon reviewing the information I submitted a dispute and provided my two drivers license, one who was inspired and the current updated both with same ID number which does not correspond with the ID number on the report. 

On XX/XX/XXXX I received a letter from XXXX XXXX  saying that upon investigation based on the information I have provided the records was removed from my file and no further information existed on my records. 

On XX/XX/XXXX XXXX XXXX sent me a letter stating that they have proceeded with my request fir file discloser ad based on the information I have provided they have determined that I did not have a consumer file on their system. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating that a further investigation reviewed of the deleted information has resulted in the determination that the original information has been reinserted in my XXXX XXXX file. The letter also shares that the furnished of information contained in file many be contacted at : US BANK N.A. XXXX XXXX XXXX XXXX, WI XXXX with phone number XXXX I contacted XXXX XXXX asking why they have reentered information in my file after I showed that my drivers license is not the same people used to open the account. I also asked them to help me but they informed me that I needed to appeal again.
Product: Debt collection

Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a XXXX XXXX. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.
Product: Checking or savings account

I had a CD with Marcus Bank. I called to give closing directions at maturity. 
The bank clerk accidentally closed my account that day and created a XXXX early withdrawal penalty, I called the bank and they agreed they made a mistake. It's been one month and they have yet to pay me the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a Social Security alert through the credit alert notification on XX/XX/2019 from XXXX XXXX associated with XXXX  XXXX on an address that I have never lived at nor heard of before pop up on my credit report as an associated address of mine.
Product: Credit reporting

I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same information
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XX/XX/XXXX -- {$29000.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XX/XX/XXXX -- {$36000.00} XXXX XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

Portfolio Recovery is attempting to collect a debt not owed. I asked them to produce a wet ink signature with me in contract with them. Under 15 usc 1692 ( g ) and they havent. This is a violation for false reporting. I am a consumer and the original creditor. Also under 18 usc 8 all debt are under the obligation of the United States. 
1. Send me a wet ink signature stating were in contract 2. Not a photocopied statement 3. Send me a contract where you have a right to collect 4. Prove that I owe your company a debt
Product: Mortgage

To Whom It May Concern : Shellpoint Mortgage Servicing recently became the new loan servicing company on my loan. The new owner of the loan is XXXX. Since taking my loan the servicer has had incorrect payments every month, for the past 4 months. When I contact customer service at Shellpoint the agents can not explain to me why my payments are wrong, although they acknowledge they are wrong. Additionally, Shellpoint Mortgage debited an amount {$500.00} GREATER than I agreed to over the phone when setting up the initial mortgage draft payment after the loan was sold. They worked to remedy this situation, but their competence and professionalism has been in question ever since. My payments are still not accurate, and they can not explain how they are coming up with the payments. My statements provide little information, and they are not responding in kind to my requests for more information. 

I 'm unsure how to proceed since I have no choice on who my loan gets sold to, and who services my loan. Shellpoint Mortgage is an abomination in the world of loan servicers, and I 'm not confident that they are even able to collect and properly apply my payments to the loan. 

I 'm hoping that you can help.
Product: Credit reporting

I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to delete the OneMain Financial hard inquire off the credit report because i did not authorize this company to run my credit this is fraudulent.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX
Product: Debt collection

Phone call after phone call all day. Being told they going to take action against us. Refusing payment when we try to make it. Saying that's not good enough we need it now period
Product: Debt collection

I was threatened with a lawsuit about a debt I didnt even know about.
Product: Debt collection

XXXX XXXX XXXX has been calling me to collect a debt this was a debt from about five years ago but I reported the card stolen at that time. One of the very first times they called they said that it was verified that it was not my debt to pay, so they sent papers to the house I used to live in another state I never got those papers. I've been disputing the issue for about 3 months with the credit bureau. They recently called and said they verified everything and that all I need to fax them is a copy of a fraud report so I can have evidence on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect account information on my file. Not only is it unfair, its also illegal. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX this year ( 2023 ), I have deposited {$60000.00} into my Apple XXXX account at Goldman Sachs. Then on XX/XX/XXXX I tried to withdraw {$50000.00} to complete the purchase of a new automobile. GS has declined my request three times, and I have been on the phone with them seven times so far. I get numerous explanations, but at least four times I was told the money would be returned to the source account, but it never has. I am at my wits end with them and don't know where to turn. Meanwhile, I had to borrow money to complete the purchase of the new vehicle. Thanking you in advance for your help.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$21000.00}
Product: Credit card

There are inaccurate late payment remarks that I do not recognize as I am always never late.
Product: Checking or savings account

I was appointed by the XXXX XXXX court to be my deceased father 's personal representative for his estate. Despite having presented Huntington Bank with the documentation from the court, including the court order to release my father 's bank accounts, they have not complied with the order or communicate with me regarding this case. 
I visited the bank twice in XXXX. I was told by the bank manager that the case had been referred to their legal department. During the second visit and email, the bank manager told me that he was no longer authorized to discuss the matter with me and that the legal department would be working with me. As of the filing of this complaint, nobody from Huntington has communicated with me. 

Brief Timeline Follows : XXXX XXXX XXXX XXXX father ) dies. As per law his assets go into probate until a personal representative can be appointed. 

XXXX XXXX XXXX XXXX appointed as personal representative via court order. 

XXXX XXXX XXXX XXXX visits Huntington bank as well as contacts bank manager via email. XXXX presents court order appointing him as personal representative and authorizing bank to release funds from father 's bank accounts. Bank manager reminds me that he's not authorized to discuss the matter and that their legal department would be " handling it ''. 

XXXX XXXXAfter continued silence from Huntington, I filed a complaint with the Attorney General 's Office . AG 's office sends a letter to Huntington giving them 10 days to respond to them and me with a proposed resolution. 

XXXX XXXXFunds remain inaccessible to me or XXXX XXXX-brother who held joint account with father. 

Currently awaiting a response from Huntington Bank.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I attempted to use a balance transfer check in order to pay Launch Servicing , LLC, but the check never reached their hands according to a representative. I contacted them by phone on three separate dates. To be specific, on the XXXX of XXXX, XXXX of XXXX, and the XXXX of XXXX. However, they all resulted in disappointment. On the XXXX, XXXX day, and the XXXX of XXXX, I tried leaving messages regarding the status of the balance transfer check and received the same reply, the check had not been received. Yet the check was posted on the XXXX of that same month! 

The check number is XXXX, posted on my credit card ending in XXXX on XX/XX/XXXX, of this year, for the amount of {$1500.00}.
Product: Credit card or prepaid card

I leased a new car & went to Costco to buy some detailing rags with my son, aged 1, with XXXX issues. A Costco rep asked me if I wanted to apply for a credit card & I said I did not, but they implied that a business account has a very good chance of getting granted. While shopping my son asked me if we were still able to afford to go on vacation, to which I replied we'd talk about it later. He took that to mean, we would not be able to, given my new car lease. He then took it upon himself to enter my business name and EIN which is on my website, along with my contact info and ssn, in an online application -- which was of course denied because my bankruptcy is only 4 years out. My wife had XXXX --. She almost died. Bad. XXXX polyps in her Colon at aged XXXX and a XXXX  in her XXXX the year before. 

I asked him why he needed my ssn and he said it was for parental employment authorization. I've been hounding him about applying for part time summer work. 

Now I have this hard pull on my credit report. I sent a certified letter to Citibank and they never got back to me. I called three different numbers tonight, only to be put on hold with an off shore customer service agent, that gave me the direct number to fraud -- and they were closed. The vm for Citibank fraud at XXXX XXXX XXXX did say to contact the FTC, but this is wrong I believe since the CFPB handles credit card issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I overpaid my credit card by {$220.00}. I subsequently closed the card and have not received a refund in over 120 days even though the statements I receive say " We will send you a refund of any credit balance of {$1.00} or more after the credit balance has been on your account for 60 days or upon your request made to customer service. '' I have tried calling the customer service number XXXX different times. It does n't connect me with a person, just a message saying they 're closed and to call back during normal business hours. But, it does not tell me when they are. Please help me obtain my money back.