23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report. 
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account. 
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with. 
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional. 
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager. 
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat. 
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat. 
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.
Product: Credit card

On XXXX I requested a credit line increase for my Marcus Goldman Sachs account and I was denied as they said that I missed a recent payment. This is false as I have not missed a payment on my statements, XXXX XXXX, and XXXX Account. I am complaining as this information is false.
Product: Payday loan, title loan, or personal loan

I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company pennymac reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
XXXX it was not foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I request the removal of the following items from my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency must ensure the information you report is correct.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my confidential information without my permission, breaching my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report on the account listed as XXXX XXXX XXXX there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report XXXX different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- XXXX  Month ( s ) -- Last Payment : -- -- XX/XX/XXXX XXXX is reporting the account as a CO XX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other XXXX credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries listed on my credit report, which I believe to be fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.
Product: Money transfer, virtual currency, or money service

My account is restricted from trading, deposits, and withdraws due to verification pending. Ive sent my ID and tried their Wire Transfer option to prove my identity and still havent heard anything from the company. It has been almost a month and i have money in my account that i need. Ive sent them mulitple emails with no reply, i honestly feel like they are scamming me at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.
Product: Credit card

My wife has Macy 's credit card. We moved in the month of XXXX 2015 .They were sending bills to old address. And shipping goods on new address. Further more we have our home phone moved to new address. They ( macy 's ) did not bother to check statement are going to old address. They called several time on phone number regarding shipment and other matters.My wife she is not wise enough to figure out these matters, why she have not received bill from Macy 's. Macys reported late payment to credit bureau. Her credit is shot and from XXXX to moved to XXXX. She has the money in bank, only she had not received bill.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Consumer Loan

on XXXX/XXXX/2016 I received a email from a company claiming to be XXXX XXXX XXXX and they were to be loaning me {$5000.00}. 
It was to be a installment loan that I was to payback in monthly installments over a 10 month period. 

They loaned me no money and instead cleaned out my bank account of {$2000.00}. 

I have contacted the local police and the FBI and the company has disappeared. 

They also deposited a check in my bank account for {$1200.00} and forged my signature. 
I was n't aware that this check was deposited until my Bank US bank Informed me and said it was a ficitious check. 

US Bank has closed my account due to fraud which I understand but they also have tacked on at least {$100.00} in nsf fees and US Bank is wanting me to repay them the amount of the check along with the fees they included. 

This has caused me a great financial hardship. 
It is obvious that I have been scammed and do not have the funds to repay US Bank. 

They are threatening to take legal action against me. 

If there is any advice or help you can give me to get this resolved I would gladly accept. 

I am a XXXX XXXX old single woman. 

SIncerely ; XXXX XXXX XXXX my email address is XXXXXXXXXXXX my phone # is XXXX i do have documents to support these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous dispute regarding inaccurate and unverified negative accounts appearing on my credit report. The accounts in question contain serious reporting inconsistencies that must be corrected immediately.
Product: Credit card

I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. 
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. 
There seems to be no way to stop the continued accumulation of fees.
Product: Student loan

I enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.
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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX 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

I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed immediately.
Product: Checking or savings account

Hello, Our complaint is mainly for Mercury.com and the accounts provided by them are in XXXX XXXX  XXXX XXXX. We've our funds withheld, They initially mentioned that the funds would be withheld for 60 days. Our account was suspended on XX/XX/XXXX and till date we've not received the funds. 

Our Mercury account email is XXXX, the name of XXXX is XXXX XXXX  XXXX XXXX, Account number : XXXX, Routing : XXXX. The total sum of funds which have been unlawfully withheld for over 4 months now is {$11000.00}.
Product: Checking or savings account

{$390.00} is what I owe to get my bank account up out of the negatives but I never did it so they put it towards my new account
Product: Money transfer, virtual currency, or money service

I made a purchase through cash app to XXXX  for phone on Monday the XXXX. The correct charge was XXXX. That went through and 3 minutes later They took a payment for XXXX. I contacted them immediately they said I need to make a claim which I did. Provided all the proof ( even from XXXX of them not receiving any payment in the amount of XXXX ) cash app denied my claim saying they spoke to T-mobile and confirmed it was a valid charge. I then contacted XXXX and had them search by card number and they again, verified no payment In the amount of XXXX received. Now cash app is refusing to give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called TRANSUNION to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also spoke to XXXX, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and Milestone fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX  {$560.00} XX/XX/XXXX XXXX XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto ) XXXX XXXX  Bank ) XXXX XXXX XXXX  Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from XXXX & EXPERIAN saying I did not authorize this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI. XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry Dear Sir/Madam , I am writing to formally dispute the following information on my credit report. I have enclosed a copy of my credit report with the disputed items circled for your reference. 
Items in Dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) hard inquires XXXX of them that I did not authorize Account Number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Reason for Dispute : Late Payments, collections, inquires, personal information is wrong. 
The information listed is inaccurate because [ detailed explanation of why the information is incorrect, including any supporting evidence ]. I am requesting that the item be investigated and corrected as soon as possible. 
Enclosed are copies of relevant documents supporting my position, such as payment records, bank statements, or correspondence with the creditor. 
Please conduct a thorough investigation of this matter and promptly delete or correct the disputed item. I appreciate your immediate attention to this matter and request a copy of my updated credit report once the investigation is complete. 
Thank you for your assistance in rectifying this error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is Friday, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the Ace Cash Express XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained that these inquries listed here are a result of identity theft and should be deleted. I submitted all requested documentation.