23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving multiple calls a day for months from Central Portfolio Control. I have never received written or emailed communication from them. When googling the phone number they use, I was able to find the name of the company and their website. Upon logging into their website using my personal information, I found an alleged debt for an account I do not recognize and do not believe is factual. There are no dates listed on their website with the alleged debt. The accused debt does not show on any of the three credit reports. 

On XXXX XXXX, 2024, I sent Central Portfolio Control a debt verification letter to the contact address provided on their website. As of XX/XX/scrub>, 2024 I have yet to hear a response from Central Portfolio Control about my debt verification letter request. To date, I still *receive multiple calls a day* from them despite sending a verification letter and receiving no response. 

On XX/XX/year>2024, I sent an additional debt verification letter to Central Portfolio Control with certified mail and return receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. As a victim of identity theft resulting from a data breach, I did not authorize or open the accounts or make the inquiries listed below. 
In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I received a bill for a credit card that I never opened. I have never had an account with Comenity. 
I refute any charges made to this account and I do not recognize your billing statement showing charges dated XX/XX/XXXX to XXXX XXXX info in the amount of {$4.00}. 
I also refute your interest charges as the original charges were never made by me. 
I sent a certified letter dated XX/XX/XXXX and have never heard back.
Product: Debt collection

Nation Credit Adjustors has been constantly calling my place of employment for some time now about XXXX different debts that I have asked them not to contact my place of employment about. They are not harassing the people at my place of business and embarrassing me by telling my co-workers that i have this outstanding debt that i refuse to pay and are asking to be transfered to different departments. I 've also received a very disrespectful and inapproprate call from one of their reps when i called in about this rep in the past I was informed that they should not be calling me about these claims due to me speaking with a lawyer and all calls were to stop. They are still calling my job and being very rude. i keep asking them to stop and have had no luck. I am looking to file a some kind of suit against them in the very near future. I do know that I am responsible for the debt and cam nt pay at this time I 've explained this many times but they will not stop calling. The rep I spoke to today was XXXX who can be reached @ XXXX ext XXXX. He was very sarcastic in saying they have been calling for years and this year they 've called 9 times I told him i do not have the money to pay at this time and he said I guess we 'll keep calling your job until you pay us or we 'll be taking you to court.
Product: Debt collection

XXXX XXXX ACCT NO XXXX IS WRONGFULLY APPEARING ON MY EQUIFAX CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS XXXX DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING. 
I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

suntrus XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 someone opened a bank account in person at Santander Bank XXXX XXXX XXXX, XXXX pa XXXX with my I.D but the person looks nothing like me. When I spoke to the branch manager whom opened the account I felt like he was taking up for the person whom opened the account in my name instead of having remorse for me. 
I found it hard to believe a branch manager is that irresponsible to let someone open an account with an ID that looks nothing like them. We trust these banks with our hard earn money beliving we are protected. I feel like he was in on this fraud account and he '' s apart of a scam ring. Because he is the bank manager, he is the ring leader. He wound not give mew any information and was very rude. He almost got into a fight with my husband. I didnt know banks hire thugs. Please if someone can please help me.
Product: Money transfer, virtual currency, or money service

I made 2 different purchases with my cash app card for merchandise off XXXX that was advertising these different merchandise that I was interested in, after finding out they were fraud and trying to reach the companys with no luck for 1 and the other kept saying they were shipping it out from XXXX, after it was shipped I received notification and tracking number for XXXX after the package was sent to a mailbox in Texas or somewhere else I spoke with a rep for USPS and she made me aware that the package was sent to a bogus address and it weight less the 1 pound, after being made aware of the scamming sites I reached out to Cash App for my refund they have denied my claim every time I submit a claim
Product: Debt collection

Midland credit management company calling me everyday for the XXXX XXXX XXXX XXXX n a account for the amount XXXX $ from XX/XX/2022. I explained account opened fraudulently by someone who stayed on my previous address and try to dispute this collection. They mention to sue but if i pay will not do it. I am afraid for this and require them not to do it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

This involves a company called XXXX XXXX. They provide internet services. XXXX XXXX has a package deal including their services. I initially signed up for that package because the only cable internet company in my area keeps raising rates because they have no real competition. The day of instillation comes, XXXX XXXX shows on time and does everything they need to do. I call XXXX XXXX twice confirming that they were coming, they said yes. 30 minutes after the projected time was over the technician calls and says he needs to reschedule. That, luckily, was my only day I could stay home. I decide to call both companies and cancel the XXXX XXXX half of the bundle deal. After a lot of headache I get it canceled and I decide to keep XXXX XXXX, since they already installed. Fast Forward about a year later I get a bill from a collection agency saying I owe XXXX XXXX XXXX. The collection agency says it 's " early termination fees. '' And they were fighting with me that I had a verbal contract to pay the money. XXXX XXXX is saying they paid that much to XXXX XXXX on my behalf. XXXX XXXX is saying they never received any money from them. All are blaming each other. But I do n't own any money. I never had any services from them.
Product: Checking or savings account

I had my Wells Fargo account compromised, I received an email alert notifying me of a change of address. I immediately called their service line to report the activity. The rep advised she was restricting access to my account. I later found that she had only restricted the online access to my account and that they had sent checks to an address in Florida so the representative failed to check for any suspicious activity. On my 2nd phone call, the 2nd representative closed my account and then advised they would send me paperwork to open a new account. The paperwork they sent was PREFILLED with all of my personal information including SSN, DOB, etc. Everything someone would need to steal my identity. I couldn't believe a financial institution could be so incredibly careless with my personal information. I have worked in the financial for 5+ years and none of the companies I have worked for would ever be so reckless with their customers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX and I have told experian, XXXX XXXX and XXXX for 5 plus yeras or so that different accounts where opened in my name by my XXXX and I did not authorise these! These need to be taking off my account now because as a victim of XXXX XXXXXXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Product: Debt collection

I missed a payment with Ford Credit and moved the payment to the back of the loan and signed the paperwork on XX/XX/2021. I received a call this morning XX/XX/2021 at XXXX XXXX  PST from phone number ( XXXX ) XXXX. 

I told her it is illegal to call me before XXXX XXXX  and she argued that it was XXXX XXXX and I had to point out I live in California. 

They had no business calling me since I had signed the Docusign paperwork already and my next payment is not due till XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.
Product: Checking or savings account

Ive been charged a {$20.00} fee for both checking accounts since Ive been using the XXXX program. I was always unsure of why I was being charged that and I know someone else who has it and isnt charged a fee.
Product: Mortgage

We applied for a refinance from Cardinal Financial with XXXX XXXX on XX/XX/XXXX. We agreed to go with this company because XXXX agreed to adjust the Origination fee from {$890.00} to {$450.00}. There were so many delays, lack of follow up, and multiple requests for information that had previously been supplied that the closing did not happen until XX/XX/XXXX. We never asked for an extension, had wanted a timely closing. When the final Loan Document came I questioned the Origination Fee not being {$450.00} as promised, and on XX/XX/XXXX XXXX assured me it would be reduced. On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX I reached out to XXXX again, because the amount had not been adjusted. XXXX finally answered me on XX/XX/XXXX and said that they would not adjust the origination fee to {$450.00} as initially promised, because they waived rate re-lock fees. We never asked for an extension, always provided requested information the same day requested, and signed all documents immediately. I believe this is unethical, deceitful, and unscrupulous business practice and do expect them to stand behind their commitments.
Product: Credit card or prepaid card

This referred to the complaint issued on XX/XXX/2017 ID # XXXX The XXXX XXXX XXXX XXXX XXXX ID : XXXX REGARDING MY MONEY IN THE AMOUNT OF {$350.00} PLUS XXXX A TOTAL OF {$360.00} I did not need to be addressed on the Terms and Conditions when in fact the Vehicle # 1 XXXX XXXX XXXX XXXX was returned on XXXX XXXX, 2017 and the transaction has been closed. I do not have the vehicle. There was no need to hold my money because XXXX had already released the funds to be place back on my cards since XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX  XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX  XXXX  XXXX  {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Product: Checking or savings account

On XX/XX/XXXX a check for {$40.00} ( Check XXXX ) was presented at the bank. They returned the check, charged me a {$35.00} fee. When I called, BOA advised the check was not paid nor would it be paid in the future. On XX/XX/XXXX the check WAS RE-PRESENTED for {$40.00} and was put through and cleared. I was not informed. Again, I was told it would NOT BE PAID. On XX/XX/XXXX,  Bank of America charged me two more fees, {$35.00} and {$30.00} for this same check. Therefore, the bank charged me a total of {$100.00} in fees ( 3 total ) for this one check # XXXX written in the amount of {$40.00}. I contacted the Consumer Affairs Department directly of the Bank. I left several voicemails. The calls were not returned. The problem was not fixed. On XX/XX/XXXX I went in person to the Bank with a scheduled appointment. ***I am XXXX, having problems with an XXXX and NOT supposed to be out. I had no choice. The representative argued, then requested a partial refund ; he advised I would get {$40.00} of the {$65.00} overcharge back. On XX/XX/XXXX someone from Consumer Affairs left me a voicemail that " You got a refund of some of your fees. We will not do this for you in the future. Call if you have questions '' This woman had no idea I went in person, against medical advice, and made the request. This bank has done this to me over, and over, and over and over. They owe me {$25.00} additional dollars back.
Product: Money transfer, virtual currency, or money service

I opened an account in Coinbase.com I transferred XXXX XXXX from my checking account, and for no reason, days later, my Coinbase account has been Locked and I'm unauthorized to use it. I was contact them many times, Coinbase have no phone support and all the emails and the claims they say are working with an specialist to fix this issue, since XXXX Coinbase haven't do anything to contact to me in anyway. By sent many Claims they sent me many Cases number, the last is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Equifax regarding verifying identity with Social Security and address to place a fraud alert. When I communicate with an agent to place a fraud alert, the agent verifies my data with the information given over the telephone and then places a fraud alert on my file. Note, even though I can provide valid data, Equifax still blocks access to my file. However, when I communicate my concern about the file and the alert, Equifax wants me to send in via mail or in electronic form my social security card and official address. My concern is that a copy of my social security card with the number and a copy official address card was sent in without receiving any response whatsoever. This concern causes me to contact the Social Security System and alert them of my concern. I also noticed afterwards that Equifax was involved in a security breach of which I am part of this incidence. This means that my data is compromised. 
The parties that received the information via mail are Equifax Information Services LLC and XXXX XXXX XXXX who requested my social security card electronically. The entire purpose was to very the identity but uncertain as to what Equifax is doing with my data because Equifax is continuously blocking my account.
Product: Mortgage

I revoked Nationwide 's authorization to debit my account several months ago when my insurance and taxes went up. They continued taking {$330.00} out of my account every two weeks for a couple months after several requests for them to stop. I finally worked with XXXX XXXX XXXX and home mortgage and determined that XXXX was taking my money and placing it in a secondary account. Since XXXX XXXX does n't accept partial payments, my mortgage was n't being paid, resulting in a letter saying I owed them {$1600.00}. I paid this out of pocket and XXXX XXXX opened a fraud claim against Nationwide. My bank credited me {$990.00} out of the {$1300.00} that they determined that Nationwide owed me. I 've been waiting for the additional funds that Nationwide owes me, when I receive a letter from them stating that I owe them {$320.00} or they will turn me over to a collection agency. I called Nationwide in regards to the matter and they claim that they were paying my mortgage, when XXXX XXXX home mortgage confirmed they were not. I have spent in excess of 12 hours dealing with Nationwide and XXXX XXXX home mortgage trying to resolve this matter and thought it was resolved through XXXX XXXX, until Nationwide tries this deplorable attempt to further extort fraudulent funds from myself.
Product: Debt collection

CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles.

Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to investigate this account properly and your neglect has violated my rights that I exercised from 15 U.S. Code 1681i. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report and one hard inquiry on my XXXX credit report. There should only be one hard inquiry on my credit report. I am therefore asking Hyundai Finance and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be one hard inquiry on my credit report.

I authorize the sales agent to do one hard pull on my credit report not three hard pulls.

So, two of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 at XXXX XXXX I placed an order online at XXXX using QuadPay services. The company withdrew {$74.00} from my account. XXXX sent an email telling me that my order was canceled. I called XXXX customer service. They told me the card that I used was not good. I tried several attempts to contact QuadPay through their online live chat and the phone. They have never responded to the live chat. They claim they respond within a few hours. I finally got ahold of someone on the phone today, XX/XX/21. She told me I would have to wait up to 13 days for my refund. If the card they gave me wasnt any good. I should not have to wait for a refund. This was not caused by me in anyway. They basically get to use other peoples money for free while not providing a service. I would even go as far as this being very fraudulent and deceptive.