23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company Frost Arnett uses all sorts of tactics being a debt collector. I actually had another number at the time and told them to cease and stop contacting me. I never gave them permission to contact me I am not even sure how they got my number. I changed my number and they still contact me multiple times throughout the day all day long. It is a automated prerecording. They used to leave voice messages but that stopped. Under the Telephone Consumer Protection Act they restrict the use of automated phone equipment and this is a violation also under the Fair Debt Collection Practices Act because this is harassment.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC ReportXXXX regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and I went to the proper authorities to have the information removed via ID theft reports. However the listed companies failed to remove them.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I was going to clear up a debt I knew I owed with XXXX XXXX. I called the original company XX/XX/XXXX at XXXX and was informed the debt was transferred to a XXXX  collections the number they gave me was XXXX. Called the number was infromed it was transferred to another company called Tenaglia and Hunt. 

Called them and was informed how the debt was sent to them I asked did they try to send me any paperwork in the mail and they stated they did not. I let them know only because when she told me the address I no longer live there. And I did update address with XXXX. I updated my mailing address on file with T & H and said please send anything here. That was XX/XX/XXXX. 

Gave me a file number and said they would send the agreement via email. I got it and sent them 2 payments so far. Emailed and called to let them know it is a struggle to pay the third payment and was told nothing she 6 do about that since I agreed. She put a note in that I would make the payment late. That was on XX/XX/XXXX when we actually spoke to a person. 

I was then informed I needed to send a signed copy back of what she sent me on XX/XX/XXXX. I told her I thought I did respond, but in the end, I really do not remember anyone saying please sign and send back. Just they would write up the agreement and send to me. And in the email it does not state to please sign the settlement agreement. I just saw the first page and put the email saved as important. Not familiar with a law frim debt collector. 

Now that I actually read past the part of what I owe I see a case number that is titled with the court information. I look up the case number in the system. And it is a pending judgment and something stating I have been served. But where and when? I see it is my old address and I do not live there anymore. And after I informed the company of my proper address I see they continue to let communication go there. 

So now I need an understanding of how am I suppose to work with them if they can not work with me and give me correct direct information. But I guess because they are a lawfirm they over power me. And the old address is in another jurisdiction. Plus my ID and credit report all state new address. 
And the agreement they want me to sign has my new address on it but that is not what is on record for the court. 

This is unfair
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Equifax credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Account Balance : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the official mail-in request form from the FTC for my free annual credit report from the three credit reporting agencies. 

TransUnion responded to me by mail with a bill, saying that they will not send my report unless I send them additional information by mail and have also requested that I pay them {$9.00} for this report. 

They claimed in the letter that they can not verify that I live at this address even though I have lived here since XX/XX/2014, and I have ordered credit reports at least twice from this bureau at this address. Their file on me should have this address as indicated on prior year reports. So they have either mishandled or lost my information since the last request, or they have lied in this letter. 

I believe this is an attempt by TransUnion to get out of their obligation of providing a free credit report, by making the process more difficult, and I also think they are trying to scam me out of paying {$9.00} for this report with the included bill, that asks for a credit card number, and expiration date in order to process the application. The included bill makes the payment look like a requirement in order to proceed. 

TransUnion is obligated to provide this report for free annually at my request and I think they are failing their obligation by falsely stating they can't verify my address and delaying the process and deceptively sending a bill asking for payment which goes against the spirit of The Fair Credit Reporting Act. 

I am concerned about this practice if TransUnion is dodging the obligations under the law and trying to avoid compliance by deceitful practices such as lying about the information they have and/or requesting payment for services that they are obligated to provide free of charge. 

I would like the CFPB to look into this practice to make sure that TransUnion is in compliance with the FCRA. Furthermore, if they have somehow lost the record that I have lived at this address for the past 4 years, I would like the CFPB to investigate how/why they could have lost this information. 

Thank you,
Product: Money transfer, virtual currency, or money service

I am writing this to show my concerns regarding disputes I have encountered using Zelle in relation to the recent CFPB lawsuit with the issues on the platform. I have used Zelle frequently and tried to report multiple transactions regarding my concerns, however my financial institution and Zelle did not provide proper investigation to my claims. They claimed the loss of funds was irreversible. The CFBPs findings indicate that Zelle has not only neglected to product consumers but also has allowed repeated exploitation in their system, leaving vulnerabilities to scams. The lack of responsibility and transparency is a great concern and unacceptable.
Product: Debt or credit management

I used Lexington law firm for 2 years for credit repair. I was charged upfront fees and didnt see a change in my credit score
Product: Credit reporting or other personal consumer reports

Sir, all three credit bureaus ( XXXX, XXXX, and Transunion ) have still not updated my credit reports with accurate information I had mailed to them months ago. 

The XXXX XXXX - My spouse and I have notified all three bureaus months ago that I am no longer an authorized user, but it still shows that I am. This is my wife 's account. Please see attached documents A and urgently request that that information is removed asap. 

The XXXX XXXX XXXX- the remaining debt of {$740.00}. needs to be removed from all three credit bureaus. The account was settled. XXXX took over the debt of $ XXXX ago and hired XXXX XXXX XXXX XXXX. XXXX XXXX sent me a settlement agreement that if I make a one-time payment of {$500.00}. the remaining balance of {$740.00} would be waived or settled. See Doc. B. I made the payment, but the information still shows on my credit reports.
Product: Credit reporting or other personal consumer reports

I had a total loss accident back in XX/XX/XXXX. The vehicle was paid by my insurance, and a small balance appears on the account. Per statement received, next payment due would be XX/XX/XXXX. Financial Institution report delinquency that still affecting me. The vehicle was never late. They reported 60 days past due.
Product: Money transfer, virtual currency, or money service

On monday XX/XX/XXXX. My cash app account was hacked for $ {$8800.00}. About XXXX was on XXXX and the rest savings. Cash app has no customer service and all these mobile platforms have the same theme wherein they are allowing these hacks to occur to the general public. I called cash app customer support and no answer. I can't use email because my whole account is missing. Last year I was hacked via cash app. I had all the security setups a person can have. It seems like these hacks use a sophisticated technology as my whole cash app account is gone. Why are all these hacks ALLOWED to occur to the people across country. we have the technology to stop this. I not stupid as I have communicated with these hackers and the one common theme is they tend to be of XXXX descent. The same happened with XXXX where I lost XXXX last year with no resolve. Since all this stuff is digital it's a matter of time before the next person get targeted.
Product: Debt collection

I called Alco Collections and asked about the negative item on my credit report and told them I never was notified. He said I was and hung the phone up. I call back to ask him to send and he never did.
Product: Debt collection

XX/XX/2019 - I received a letter from Rossi Law that I owe {$130.00}. 

CREDITOR NAME : XXXX XXXX XXXX XXXX   XX/XX/2019 - I sent a letter requesting verification of the debt, copies of the original, signed and dated transaction. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Rossi Law Offices LTD XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX : Account # XXXX The purpose of this letter is to dispute the debt of {$130.00}, for which I received notice of collection on XX/XX/2019. 

Please send verification of the debt or a copy of the judgment against me. Also send the name and address of the original creditor, and copies of the original, signed and dated excise transaction. Any other details you can provide will be most helpful for resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I did not receive any verification information. 
XX/XX/2019 I spoke with XXXX at Rossi Law. Her answers were ambiguous. She said it is illegal for her to send me that information. 

I want the information that is associated with my name in this debt account.
Product: Debt collection

On XX/XX/2020 I received a statement from Selene Finance for a property inspection for {$13.00}. I don't know why they inspected, what they inspected, who inspected and for what reason. I wrote them aletter on XX/XX/2020 requesting what the inspection was for, at what time and who did the inspection. I did not receive a response. 
I received the same type of bill on XX/XX/2020. I again wrote them requesting information as to what type of inspection, who inspected, time and date and the reason and still no response. 
The statement from Selene Finance states they are a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried removing a Citi bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now XXXX attempts through XXXX as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.
Product: Checking or savings account

I was the victim of a scam after meeting someone through a dating app who I believed to be a genuine friend. They offered to help me pay off some debt and sent me what appeared to be XXXX legitimate checksthese were sent as images or scans. I deposited them into my Wells Fargo account, believing them to be real and with no intent to commit fraud. 

Shortly afterward, Wells Fargo placed a deposit hold and informed me the checks were altered or fraudulent. I immediately contacted customer service and later spoke with the loss prevention team to explain the situation. I was honest and cooperative and emphasized that I was unaware the checks were fake. 

Despite my explanation and clear victimhood in a scam, Wells Fargo informed me that my accounts would be permanently closed and that I would no longer be allowed to bank with them. I was not given a written explanation or an option to appeal. I now have an overdrawn account and concerns about how this will affect my financial future, especially if this is reported to XXXX or other agencies. 

Im asking for a fair review of my case, as I believe I am being penalized for an honest mistake made under deceptive circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out an Investigation Request Letter to EQUIFAX by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX XXXX XXXX XXXX  I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted. 
I was never provided any original documentation nor a response within 30 days
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

My husband opened a joint checking account for us. The bank had blocked this account with our money on it and dont let us deposit them or do any other actions. Weve contacted their customer service, they only promise us that they will send us a verification code by the regular mail but we never receive any response back. Since them we moved to other place and dont have access to mail from that location.
Product: Mortgage

In XX/XX/2019 my mortgage company sold my mortgage to another lender, NewRez. Unfortunately, mortgage companies do this all the time and as the consumer, I have no say in it and can not stop it. I received a letter from the new company, NewRez, stating that they are going to be handling my loan in the future. My payments stayed the same until they re-calculated my escrow. My original lender charged one month escrow. The new mortgage company, NewRez, charges two months escrow to handle the loan. They sent me a bill for {$960.00} and said I have 30 days to pay it or they will foreclose on my house. I tried to call them and explain how it is unfair that they took my loan and is now charging me {$960.00} for buying my loan without my permission. I was told by a supervisor that is what they charge for acquiring my loan and I have to pay it or they will send it to foreclosure. After paying the {$960.00}, my House payment which has stayed the same over the past 10 years increased. NewRez stated that I have the option to refinance with another company if I wanted to get out of it. In order to do that, I would have to pay refinancing charges, etc. It is obvious that NewRez is taking over loans and charging a fee calling it extra month of escrow so that they can foreclose on your house and take your house.
Product: Credit reporting or other personal consumer reports

I rescinded my vehicle contract with XXXX XXXX, in 2023 on my credit report its still reflecting a balance owed. I contacted them for over a year with no proper response or resolution. I final was told just a few week ago it was closed and they will no longer contact me. Since the contract has been rescinded I am requesting it be removed from my credit report. There is no balance owed.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The initial leased was placed under myself and my ex-husbands name. Upon separation my ex-husband took over the lease and the company representatives ( Manager/Staff ) was informed. My ex-husband was to assume all the debt of any remaining balances once he moved from there. The lease was to be placed in his name alone upon our seperation.
Product: Debt collection

We have received multiple phone calls from a XXXX  XXXX XXXX at XXXX to each of our family 's phones threatening to sue us over a debt from a XXXX voluntary car repossesion of my ex-wife 's XXXX for the last 20 days. Today 's ( XX/XX/XXXX ) call was XXXX Central Time. They read a paragraph saying it was illegal to not pay an agreed to debt from XXXX and that they are pursing legal action if we do not pay immediately. They have been asked multiple times to send everything in writing so we can validate this information and confirm who they are. We called XXXX which is the number they told us to call for information at XXXX, then XXXX, XXXX and XXXX, XXXX and XXXX but every different representative either hangs up or disconnects the call when we request any details other than the case # regarding our rights. The last three calls they pick up and hang up without hearing our request. We know they have and recognize my number as they answered the previous calls and ask me if it this is " name '' instead of identifying their company. We asked for A ) verification of debt and B ) an address to send a cease and desist phone call letter but they said they wouldn't give us an address as we will XXXX  (? ) them since they don't know us. I advised we know our consumer rights and are consumer advocates who follow the rules with the SOL and how they should behave much more professionally and provide these details so we can verify the validity of their claim as we don't know who they are either but have our personal financial information. How can anything be done if they just get angry, tell us they will sue us and turn everything over to the courts and see us in court or jail? They are very agressive. But we would like verfication of debt which they have refused, an address to pursue written correspondence and they said they will only see us in court and hang up time and again. We want everything in writing and to ensure these folks are even legit as their behavior is extremely unproffesional for a recovery company and this debt is far outside of the SOL. This is not the first time I have been contacted for my ex-wife 's debts as she claimed bankruptcy in XXXX. They heard my wife who was reminding me of our rights in the background and asked who is that in the background spouting off? They have called her personally multiple times in the past so she got on the phone and explained again our rights for verification of debt and contact info for cease and desist and he was extremely disrepectufl when she said as a consumer advocate we know you can not behave this way. The consumer has rights and should be advised of them when debt collection is being rendered. He said he will see us in court and we don't need anymore information than that. 

The numbers again are XXXX and XXXX and the names we got were XXXX and XXXX XXXX as everyone else would only say see you in court when they picked up if they didn't hang up right away. The company is supposedly called XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, an unexpected discrepancy appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but it remained. This situation is extremely frustrating, and I need the documents Ive submitted to be carefully reviewed so that I can finally put this issue behind me.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has resulted in an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used fraudulently, leading to an account I have no connection to. As instructed by TransUnion, I filed an FTC Identity Theft Report and submitted all required documentation to support my claim. Despite my efforts, this fraudulent item still remains on my credit report, which is both frustrating and damaging to my financial well-being.