23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXXXX/XX/XXXX XXXX Thank you in advance for your cooperation.
Product: Debt collection

Convergent outsourcing is billing me for an incorrect agreement. When I try to contact them, whenever I give an agent my information then name I am always hung up on. They have not honored our agreement, the one time I was able to speak with someone which was months ago, they told me the issue was resolved, lie. I have done research and have now noticed that others have had similar issues with this company. I am doing my part and just filing my complaint as those before have done.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I submitted an international money wiring transfer via online from Wells Fargo to a bank in XXXX called XXXX in the amount of XXXX equivalent to XXXX ( XXXX pesos ) + XXXX service fee, as a payment to my doctor which never received the funds showing proof of it. Through multiples times that I been dealing with Wells Fargo I had never get the help that I need to recover my money back, Today, a case worker named XXXX told me that the funds are in the XXXX ( XXXX ) and the beneficiary is refusing to refund the money to their recalling requests ; I never sent any funds to BBVA. For months Wells Fargo kept me bouncing from representative to representative on their regular number, so, I had escalated my problem to the CEO Office. 
They already closed my case and refuse to take further action to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Opened XX/XX/XXXX {$400.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX {$1500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$570.00} I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX XXXX XXXX {$450.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT.
Product: Debt collection

Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.
Product: Debt collection

I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.
Product: Credit reporting or other personal consumer reports

Just got this notification from experian saying my credit report has changed and then they tell me this incredibly STUPID thing that after almost 2 years of complaints about experian stealing 20 months of on time never late payments to XXXX and refuse to give them back THAT THEY HAVE UPDATED MY MIDDLE NAME, this is complete negligence or done on purpose, I'AM GOING WITH THEY ARE DOI G THIS ON PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX after reviewing my credit report I notice there was an error on my report from Portfolio Recovery Associates, LLC. I sent them a Certified Letter request them to explain to me what the debt was and provide me with documentation as the debt did not belong to me. On and or about XX/XX/XXXX I received a letter back from Portfolio Recovery Associates, LLC. stating the account was sold to them on XX/XX/XXXX and at the time of the sell provided an electronic file of business records containing information concerning the account. On XX/XX/XXXX I sent another certified letter to them disputing this debt as it does not belong to me and was looking for them to provide me with additional account information, signed contract, etc and or remove the erroneous debt from my credit reports as it is damaging my credit history. On or around XX/XX/XXXX I receive a letter via US postal service from Portfolio Recovery Associates Stating they have reviewed my dispute and there record indicated that they had already responded dispute and because my dispute alleges no new fact they will not be conducting another investigation and if they continue to receive correspondence from me regarding this dispute they already resolved they will consider my inquire as answered and no further replies will be forthcoming. On XX/XX/XXXX I sent them another Certified letter to Portfolio Recovery Associates LLC. On XX/XX/XXXX They responded back via US postal service with the same notice they sent me on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I then sent them another Certified more detailed letter a form requesting alleged amount, amount that was paid for debt, Name and address of alleged creditor, a contract with my signature, a judgement for this debt, name and address of there bonding agent has any insurance claim been made by any creditor and to date they continue to send me the same information and report this erroneous debt on my credit reports. This is defamation of character and is costing me greatly as I am looking to establish new credit. i am seeking your assisting with resolving this matter and have also been seeking counsel from an attorney to to file litagation for this violations if this can not be resolved immediately
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.

has violated my rights. Or list of inquiries 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

Im writing to you because the 3 major credit reporting agency are reporting inaccuracies information on my credit report Experian, XXXX and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in 5 business days of this account being reinserted back onto my credit profile and also according to the FRCA all 3 credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I was left a pile of papers at my door saying I was being sued by Portfolio Recovery for {$730.00} on debt that was not mine. I signed nothing on behalf and was not aware of this company. I have to show up to court on XX/XX/ to fight this.
Product: Checking or savings account

My account was closed by Chase Bank. The amount is XXXX and XXXX from previous balance. At this point, I do not know if interest has been added. On XX/XX/21 I received a letter from Chase indicating my funds will be made available with 8-10 business days. I have gone to branch and made over ten calls. I have written the office of the CEO in NY. I am tired and desperate.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX  XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not made Inquiries at all, i have a list of them showing on my credit report. I called Experian to remove them and they said they could not do it, i told them they were done without my permission, they did not have any authorization to do so, i was not even notified when they were done, i have also called the inquiry accounts asking them for information on what signature was this Authorized and they ca n't even provide me will information, i ask that you please look into it and get them removed. Thank you here are is the list ... 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

These alleged actions violate the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. By law, debt collectors may not : call you before XXXX XXXX or after XXXX XXXX. contact you at work if youve told them verbally or in writing that your employer doesnt allow you to get such calls in the workplace contact a third party, such as a friend or non-spouse family member, about you for any reason other than getting your contact information harass or abuse you or anyone else they contact about you lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : claim to be law enforcement officers claim that youll be arrested if you dont pay your debt threaten to seize, garnish, attach or sell your property or your wages unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting company use a fake company name Ok so now we know the laws on XXXX XXXX XXXX I received a call at XXXX XXXX I was contacted by Tower Loan of XXXX, MO on XXXX XXXX and was asked why I was late on my payment So then I told them I 've entered into Chapter XXXX Bankruptcy and was told by my Lawyer to give them Her Contact Information and I was then Transferred to the Manager there he immediately told me to give him a time to come pick up the collateral against the loan I have with them. I told him there not getting the Collateral I 'm Filing Chapter XXXX Bankruptcy and attained a Lawyer to contact her. The Manager got verbally load and unreasonable telling me to hand over the collateral that Bankruptcy does n't matter that is there Stuff. I got load with them and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose Chase credit card, XXXX XXXX XXXX late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I'm XXXX years of age, and work diligently to maintain a good credit history. My consumer 's credit score with the XXXX reporting entities : XXXX, Transunion, and XXXX were historically around the 700 range ( file attached ) up to XXXX of this year 2022. 
In XXXX, I paid off a car with XXXX XXXX, and didn't have any open accounts remaining. XXXX and Transunion in XXXX of this year 2022XXXX stopped calculating my credit score because I didn't have any open accounts, therefore, when a bank, car dealership or any authorized vendor that I'm trying to attain credit through, checks my consumer 's credit report with the reporting agencies, WITHOUT A CREDIT SCORE, MY CREDIT IS DENIED, AND I'M TOLD THAT I NEED A CO-SIGNER, I'm XXXX, educated with a great career ( income of XXXX ), and can't get a car loan. due to XXXX and Transunion don't possess the initiative to score my historical data. 
100 % OF ALL CONSUMERS, with previously credit established, should have a consumer 's credit score. this is creating unbearable hardship, unnecessarily. 
I reached out to CFPB for assist and got none. my next recourse if to contact my senator and file a class action lawsuit with my attorney.
Product: Mortgage

I have a Conventional Loan with Home Financing Center for over five years. I have been paying PMI the entire time. I did an appraisal to my home and i now i have enough equity in my home to remove PMI under that Conventional Loan rules and guidelines. I have made multiple attempts to begin the process to remove PMI but Home Financing Center refuses to start the process. Some representatives have asked me to email them documentation to begin the removal of PMI process and after i have done so, I have been totally ignored. Other representatives have blatantly informed me when i have called that they will not honor my request to remove PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus
Product: Money transfer, virtual currency, or money service

Hello. I found a XXXX  XXXX for sale at XXXX XXXX XXXX. sometimes they call themselves XXXX XXXX XXXX. On XX/XX/year> I paid {$600.00} for this firearm. I wanted to pay with one of my business credit cards as I'm an XXXX  and this was for a customer. I tried every business credit and debit card I have, none of which went through, even though they said I could pay with my XXXX card. Finally a woman named XXXX insisted on payment through CashApp. I never received the firearm and the seller and CashApp refused to refund the payment. My bank refused to dispute the payment because it was made through CashApp. Obviously this was a scam and I lost my {$600.00}. 

Their website is https : //primerfirearmsdeals.com This is the contact information listed on that website. I believe that address is bogus and there is no such business there. The phone number is also not valid. I can't imagine how many people they have scammed. 

VISIT XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, United States CALL US XXXX XXXX XXXX EMAIL XXXX XXXX Attached are several screenshots and communications with XXXX and CashApp. 

I asked CashApp to not allow this scam company to use CashApp to defraud people but they refused. I would like CashApp to refund the {$600.00} they withdrew from my Fairwinds account without my permission for the firearm I never received as Premier Firearms Deals or Primer Firearm Deals is a scam company. The only card linked for them to withdraw funds from at the time of the payment was my XXXX business card but they withdrew the funds from my XXXX card that I had already unlinked. 

Thank you.
Product: Checking or savings account

I started a part time job online it was to review some applications. after pushing the applications thru the website XXXX XXXX advised me I needed to submit a deposit to release the funds. I completed transactions from my bank on XX/XX/23 for {$160.00}, XX/XX/23 {$160.00} XX/XX/23 {$450.00}, XX/XX/23 $ XXXX $ XXXX {$2200.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} I submitted this to my bank as an authorized push payment I was scammed into submitting this payments. I reached out to my bank immediately and did not want to submit the claims and refund the money I know there are protections in place for situations like this. Please open an investigation for the bank will not assist in refunding these in question.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BUSINESS XXXX XX/XX/XXXX XXXX FEDERAL XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX EASTERN ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting

To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.