23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates is harrassing me. The call 5+ times daily, WEEKENDS included AND they call before XXXX and after XXXX - regularly. It's really annoying and inconvenient - as they are a 3rd party and VERY AGGRESSIVE with their approach. I have spoken with them and asked them NOT to contact me, and the representative HUNG UP while I was making my request - because they do not intend to stop. They have multiple lawsuits, resulting in MILLIONS of dollars in payouts- and I'm trying to avoid having to go that route, but I'm very close to seeking a PAYOUT which will be MUCH MORE than they are calling me repeatedly about. Needless to stay, please make it stop. I really can not take it anymore. I've used verbiage like " Seize and Desist '' - doesn't work. I have been on the DO NOT CALL list since XX/XX/year>- AND whatever " debt '' they are harrassing me about, is more than likely from XXXX - A LONG TIME AGO- we are past the statue of limitations - they should NOT still be able to do this.
Product: Prepaid card

I was told from XXXX regarding a claim for unemployment that I was a approved for was funded and told to call a Bank of America XXXX number given to me. Once I called I was told that there were multiple transactions and claims made without my acknowledgment. After hearing of all the transactions and claims that were made with the card I was told to put in a claim. Ive done everything they have asked including sending in credentials Drivers License. Ive been sent documents of the evidence they used to make decision and feel that the decision should be rewarded of my favor from atm footage. Ive also been told by representatives they dont know why the claim is being denied from the footage they see comparing to my Drivers License or the order of how the claims are being decided when they are all apart of the same XXXX  case. Since then my dispute keeps getting denied and I am concerned because I have done everything that was asked. I am concerned of the whole situation and seeking some type of assistance with this situation. Thank you I am very much in need of these funds and have explained to multiple representatives of my financial hardship with that being said I am very dissatisfied with the efforts put into this investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received information via email regarding a credit card application that was submitted to Avant, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX. This complaint is regarding an unauthorized fraudulent activity that my credit agency have notified me with since they declined Avant the company. I, the consumer and owner of the credit personal identifiers ( social security number, and name and other associated identifiers ) did NOT send this company a credit card application. I have already notified a customer service representative from Avant about the fraudulent activity and they said to send and email to XXXX which the consumer have already done so within the same business day. Please do not contact the consumer again nor send an application for a credit card without consumer consent in writing with a legal wet signature with proof of legal ID. There are too many fraudulent digital credit card companies since covid and this company activity from Avant is one of them.Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that reversing the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have been a very loyal customer to XXXX for many years and having purchased, leased many phones going back about ten years. On XX/XX/2020, I called XXXX customer service and inquired about what I had to pay on the lease phone to close out the lease payment on the phone, a XXXX XXXX XXXX, and was told by a female representative, that {$290.00} was the final payment, calculated at {$25.00} per month. Please check the phone recording. What happened to my account being paid in full? I called in XX/XX/2020, and was told I still owed a {$200.00} balance, which was a different story. I never really got a bill from XXXX, which solidified that I owed nothing, but yet they sent me to a collection agency with attempts to ruin my credit, stating a balance owed was left. This is fraud and deceptive business practices. When I paid off the bill of {$290.00} in XXXX, that was a contractual agreement that the bill was paid in full and I owe nothing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 XXXX XXXX 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance {$0.00} SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/year> XXXX ACCEPT XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS REPORTING THAT MY PAYMENTS ARE DELINQUENT BY A FEW MONTHS THIS INFORMATION IS NOT TRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00}.
Product: Debt collection

I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice! 
I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I receive my check via a prepaid payroll card and on XX/XX/2021 at XXXX my debit card was used at an ATM multiple times to withdraw {$1000.00} from my account. The problem with this is that I had my debit card on me and was in an entirely different city and county when this happened so how is this possible? Also it was done at an ATM so how did they get my PIN? This scammer also went to an ATM in an area I never go to. I don't know how this happened but it did. I didn't find out until the next morning ( XX/XX/XXXX ) and as soon as I found out I called to report the fraud. I told the debit card company what happened and was told they had to do their own investigation and if they found it to be fraud as i claim then they would refund my {$1000.00} that was stolen. I received an email today that stated the banks investigation didn't find evidence of fraud so my claim was denied. I live paycheck to paycheck and due to COVID 19 I am XXXX living in a XXXX  and need every penny I have to keep a roof over my head so what am I supposed to do when my money was stolen the same day I received my paycheck? I told the company I want copies of their evidence that made them come to the decision they did and that I have proof I was nowhere near the city the fraud happened in that day.
Product: Mortgage

I received an email from XXXX XXXX XXXX Mortgage on XX/XX/XXXX that my home mortgage loan was being transferred to Specialized Loan Servicing. XXXX claimed that the XX/XX/XXXX email was a follow-up email, but I did not receive any info about the loan transfer previously from them, nor have I received any info since that time. XXXX provided the name of the company where the loan was transferred, Specialized Loan Servicing, and a phone number to reach them. Although I've made numerous phone calls to SLS, each time I was put on hold indefinitely and I have still not been able to reach anyone there. There is no email address to contact them. The SLS website states that they could be contacted through XXXX and XXXX. When I clicked each of those options, it took me to " XXXX. '' I contacted XXXX on both XXXX and XXXX  and was told an agent would contact me, but I have not been contacted by any of their agents. I have received no correspondence at all from Specialized Loan Servicing or XXXX with any information about my loan transfer or how to make a payment. I tried to make a payment on the SLS website but was unable to do so because they have not provided me with an account number. As XXXX stopped accepting payment on XXXX, I am unable to make a payment on the XXXX website. My payment was due XX/XX/XXXX and it is now XX/XX/XXXX but I still haven't heard from Specialized Loan Servicing and I am still unable to make a mortgage payment. I'm wondering if they are intentionally not contacting customers so they can tack on a late fee and claim the payment was not received. This is absolutely ridiculous and unacceptable. I shouldn't have to reach out to SLS on XXXX and XXXX because there is no other way to reach them. I also shouldn't have to file a complaint with CFPB to get this issue addressed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and Experian regarding the inaccurate reporting of my address on my credit report. 

Details of the Complaint : Incorrect Address:XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have noticed that the above address is incorrectly listed on my credit report. I have never resided at this address, and it does not pertain to my credit history. This erroneous information is negatively impacting my credit score and my ability to obtain credit.

I have previously contacted all three credit reporting agencies to dispute this inaccurate information. However, despite my efforts, the address remains on my credit report. I have provided all necessary documentation to support my claim, including proof of residence and identification. 

I am requesting that the CFPB assist me in ensuring that this incorrect address is removed from my credit report as soon as possible. I believe that the continued presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information.

**Resolution Requested : ** - Immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit reports with XXXX XXXX XXXX XXXX and Experian. 
- Confirmation of the removal in writing. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit card balance on my XXXX XXXX card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my XXXX score. I don't know if they pulled my credit score but they are one of my creditors. This was on XXXX  the XXXX of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly a collection to XXXX ; Experian and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Product: Credit card or prepaid card

I have been using a credit card " dental '' from XXXX XXXX XXXX issued via Comenity Bank for the past 18 months. My payment dates is the XX/XX/XXXX of every month. I made the last payment online of {$100.00} to be deducted from my account of the due date. On XX/XX/XXXX I realized that my final payment was due on the XX/XX/XXXX, not the XX/XX/XXXX. I  called and the representative informed me that she could cancel it and I made the payment the same day which I did. I was so eager to make the last payment that instead of me submitting total balance {$100.00}, I submit minimum payment {$27.00}. 
A few days when I checked my account I realized that only the minimum payment was deducted. I immediately contacted them and they told me they would not be able to do anything until the XX/XX/XXXX ( billing cycle period ). I called back and was rudely informed that their is nothing they can do because I was the one using the card and it should be my responsibility that my payments were made. They also informed me that it is in their system that I did make a payment before the due date and it was then cancelled. I am wiling to pay something for the honest mistake but {$340.00} for a honest mistake is too much. 
I have made several calls and written a letter to the dispute center and no one as reach out to me. I have made several attempts to have this issues resolved and to no avail. It's obvious from the reviews I have read that this company does not care about consumers/customers. Thank you for your time.
Product: Credit card or prepaid card

I made a subscription to the website XXXX.XXXX  using my capital one credit card. The site was recommended to me on XXXX and I felt it was a safe purchase and if there were any issues capital one would protect me. After using the site for a few days everything was great and then all of a sudden I couldn't log in. I tried to reset my password and got the same error. I tired 3-4x before giving up and having to subscribe to another site. The next day I tried using the site again and there was the same error. It didn't say anywhere on the site that there would be downtime, that there were log in issues, or something was going to be happening. I messaged the site numerous times before filing the charge back. When I disputed they didn't ask for any documentation. After giving the money back now on XX/XX/21 they have taken the {$45.00} back from my account. How am I being protected? This is only the 2nd time I have ever charged back an item I had an issue with and they are forcing me to pay {$45.00} for something that was not provided to me. XXXX  XXXX is the name of the supervisor that said I would have to pay the {$45.00}. This should be illegal
Product: Debt collection

I have received numerous billing invoices from " XXXX XXXX. '' I never ordered anything from this company. After reading articles online from other consumers, indicating the company partakes in fraudulent practices, I did not contact the company. These invoices started coming in the mail about a year ago. They were stating I owed money for XXXX items of {$90.00} each, for a total of {$180.00}. On XX/XX/24 I received a letter from Universal Fidelity LP stating the XXXX XXXX XXXX has asked this " national collection agency '' to contact me regarding this apparent account. I have not contacted either company.
Product: Mortgage

I called Mr. Cooper to inquire on My pay-off of this loan why I had a late charge attached to the loan a person answered and would not listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX XX/XX/2024 Consumer Financial Protection Bureau AddressXXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Collection Account Dear Sir/Madam, I am writing to dispute owing any and all debt on my credit report. I have reviewed my credit report and have identified inaccuracies in the information reported by Central Portfolio Control. The inaccurate information is negatively impacting my credit score and financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and correct the inaccurate information on my credit report. 

I am requesting a Debt Validation and also Purchase Agreement between Central Portfolio Control and original Creditor. Also proof that they are licended and Bonded. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misteadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I will want to revoke all rights of creditor communicating with me through email, text or calls. 

Thank You