23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates LLC keeps sending me letters when I have written to them and advised that I do not owe them any money. They sent me a letter today staying they have purchased a debt of XXXX from XXXX. They said that the seller had provided an electronic file of business records that they consider verification of debt. Unfortunately I never entered into an agreement with this collection company or 3rd part company. I have reached out to XXXX and they can not provide me with a written signed contract because they said the debt is no longer in the database. By law I am only bound to pay a creditor when I have entered into an agreement with them. I do not know who portfolio Recovery is but they are trying to get me to pay a debt that I do not owe them. If they bought this debt without the signed contract that it is not my problem. I will not negotiate or pay a 3rd part collection company because they can not legally provide me a signed contract showing that I owe them anything. Their unwanted communication and threats are now past the point of trying to be reasonable. I am asking that a full investigation be done into their illegal attempts at collecting on a debt that I do not owe them.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax Data Breach, XXXX Data Breach, XXXX Data Breach and XXXX Data Breach. My information was exposed in several data breaches from medical information, educational information and personal and credit information resulting in identity theft. Under consumer law 15 USC 1581 my right to privacy has been violated several times resulting in various variations of my name, address and phone numbers being utilized to acquire accounts and other things
Product: Debt collection

Douglas Chancellor Meyer entered information on the XXXX Credit Bereau with fradulent and falsified information. The date of orginal diliquency was noted as XX/XX/2018. The original loan was from XXXX. The loan went diliquent more than 7 years ago. XXXX XXXX is attempting to re-age the loan in violation of the Fair Credit Reporting Act. No notice of dispute was furnished to me. I contacted XXXX in XX/XX/2018 to dispute the information, also on XX/XX/XXXX and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes with XXXX  and equifax and they turn around in less than 2 weeks and tell me that the information was verified as accurate. They did not provide me with any documentation proving the debt belongs to me or an itemized document explaining any of the charges.
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/2022, while driving home from work, I received a phone call from a caller with the caller id of Wells Fargo. I have been a customer of Wells Fargo for over 17 years, and have received calls from them in the past. 
The caller stated he was with Wells Fargo and asked if I used XXXX. He informed me someone was trying to access my Wells Fargo account via XXXX and asked me to open the Wells Fargo app on my phone and look at prior history. 
I did not see any transactions and he told me I needed to add the person with an Email address to send the money to verify my identity. He assured me Wells Fargo would immediately return the money, but this was the only way to stop the thief from stealing the entirety of my checking account. 
I asked for verification he was with Wells Fargo and he told me to check the number he was calling from, it matched the number on the back of my debit card. He assured me he was with Wells Fargo. He knew my account information, my location, obviously my phone number and email address. He said that XXXX had been taken from my account, and this was the only way to get it back.

Assuming Wells Fargo had protection against scammers, I sent the money. Realizing pretty quickly this was a mistake, I immediately hung up and called Wells Fargo.

I was on this call for 11 minutes, trying to get a Wells Fargo banker to assist me, but I was constantly transferred, had to keep adding my account number, telephone, etc. During this time the scammer called me back 5 times. I was on hold with Wells Fargo, and not knowing I had accepted the scammer 's call. I had been trying to hang up the call. 
The new scammer was a woman, and assured me she was with Wells Fargo fraudulent services, and could see the XXXX was pending to go back into my account. She told me I needed to send XXXX from my savings account, in order to protect it. She said this was the only way to get my XXXX back. 
I sent them money, and immediately called Wells Fargo. This time it took 38 minutes for the person I needed to help me get on the line. Everytime I had to repeat the story, give my account number, etc. 
Apparently the money can not be immediately canceled or returned. I filed a claim with Wells Fargo, and am waiting 10 days. 
I assumed the scammer was with the bank since the app is so easy to use with XXXX, I thought the bank would have fraud protection for this. 
I never signed up for XXXX, it is just attached to my account. I also feel I should have been able to get in contact with someone from Wells Fargo much sooner, and this could have been avoided. 
I just hope more people can be aware of this type of scam.
Product: Debt collection

XX/XX/18 they sent me a copied bill of XXXX XXXX claiming that I owe them this debt, has no proof this is mines also put it on my credit with out proof also. I once fought this debt before and got it removed because also didn't have any proof. the collector was sold this debt and now trying to come after me for the same debt. Ive asked for proof but never got proof from this collector yet to date. they only sent copies of a bill saying its mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Reference XXXX  XXXX TransUnion has violated my rights. 

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 a account without my written instructions
Product: Vehicle loan or lease

A number of years ago I began suffering from a medical and financial hardship that forced me to sell my assets, including my home and purchase a different car. The only option available to me at the time was to take a loan from Flagship Credit Acceptance, for almost 20 % interest. 

I have been working to pay off my loans and commitments over the last three years and Flagship has consistently been harassing with phone calls and communications, sending bills that reflected amounts owed higher than I owed ( and sometimes confusing me enough to pay double ) - altogether raising my anxiety and greatly impacting my health further. Continuing to make the payments required, even during the pandemic - and continuously communicated with them upon a late payment - and made sure to keep my account current. Despite this, Flagship have reported negative reports on my credit report - worsening my financial situation during the pandemic. 

To resolve matters, I made a huge effort to pay off the XXXX USD remaining on the loan - this was to be rid of Flagship. Still having paid off my loan early in XXXX, I still have not received a title. Making matters worse, it seems Flagship have also ignored communications from the XXXX after I registered my car in Maryland last year and didnt provide them with a title either back then. At this point I have reached out to Flagship credit over 4 times over the course of the last 3 weeks, only to spend hours on the phone with them - promising to return my calls and resolve the matter, but to no avail. Separately, they also took their time - well over 30 days - to report the payoff to credit bureaus. 

As a consumer who has been doing all he can to remain afloat, especially during a pandemic, the despicable business practices and lack of communication or resolution by Flagship Credit Acceptance LLC are unacceptable and have negatively impacted my life on many levels, now impacting my health and anxiety - I worked to pay off the loan and now will soon not be able to legally drive my car when my registration expires, despite owning it outright. I ask for your assistance in resolving this matter as soon as possible so I may resume my life, as well as for your assistance in punishing Flagship Credit Acceptance LLC who has been a longtime offender of consumer rights ( see many other complaints online ).
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus XXXX  and Transunion deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old mortgage company Wells Fargo attempted a foreclosure on us, however we changed Mortgage Companies several months prior to them actually processing the foreclosure. Wells Fargo was paid off in full by the new mortgage company, however my credit report shows " Foreclosure '' under Wells Fargo, and it is false and prohibiting me from purchasing a new home. Wells Fargo has been contacted several times regarding this error, and so far, I have been ignored. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

My Bank of America credit card was fraudulently used to purchase {$500.00} worth of merchandise on XXXX. Bank of America refuses to reimburse me after 3 attempts.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.
Product: Debt collection

This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy proceedings currently underway in my name, which I believe have been conducted in violation of the Fair Credit Reporting Act ( FCRA ) Section 15 US 1681E. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters so they can help me get to the bottom of this inaccurate reporting on my consumer profile. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


- 15 US 1681E - Compliance Procedures I am deeply concerned about the accuracy and legitimacy of the bankruptcy proceedings in my case. It has come to my attention that the procedures followed may not be in compliance with the aforementioned federal statutes. As a result, I insist on a thorough investigation into the matter to rectify any potential errors or misconduct. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

Obviously this BANKRUPTCY does not conform to the FCRA REGULATIONS by reporting a court name that reflects different variations. Please investigate and delete from my report. 

I request the following actions be taken : 1. Verification of Compliance : I demand a comprehensive review of the bankruptcy proceedings to ensure compliance with 15 US 1681E. This includes a meticulous examination of all documents, notices, and communications related to my bankruptcy case.

2. Expedited Investigation : Given the urgency and potential impact on my financial standing, I kindly request an expedited investigation into this matter. Swift resolution is crucial to preventing any further damage to my credit and financial well-being. 

In addition to disputing the bankruptcy proceedings, I am concurrently filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the involved parties for potential violations of consumer protection laws. 

I am confident that a thorough investigation will reveal any discrepancies and rectify the situation promptly.
Product: Checking or savings account

XXXX I filed the above complaint today AFTER you are closed. Your XXXX  has closed it stating you have a previous entry for the same issue????? 

How could that be as it happened today and I filed right after it??????????? 

Please call me at ( XXXX ) XXXX so I can help you understand haw wrong your XXXX  is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by the store. I was told they no longer have a store credit card. This balance was paid and closed. It's listed as charge off.
Product: Checking or savings account

I've been banking with XXXX Bank for about 4 years now. I've been a small business XXXX  for about 20 years and due to Covid-19 my business has suffered. I decided to apply for a PPP loan and was approved and funds deposited into my account on XX/XX/XXXX. The deposit was in the amount of {$14000.00}. On Tuesday, XX/XX/XXXX, I checked the balance of my account and discovered that XXXX Bank had put a hold on my deposit. I contacted the bank to ask what the problem was and was given a ridiculous excuse that because the funds was deposited into an account that was not a business account, I had to provide documentation that I'm entitled to the deposit. I provided the bank with a copy of my XXXX Schedule C-tax return, a copy of my EIN number that I had faxed from the IRS, and a notarized copy of the loan application and signed documents for the loan. I submitted the documents on XX/XX/XXXX at XXXX CST. I contacted the bank 3 different times today only to be stonewalled and told that my documents are being reviewed, my business has to be verified with the XXXX of XXXX, someone will give me a call back. Excuse after excuse is what I've been given. I reviewed the bank 's policy when it comes to ACH deposits and no where does it state that deposits can be withheld from the customer without proof of wrongdoing. My account right now shows a balance of XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( Experian, XXXX, and XXXX ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.
Product: Debt collection

I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.