23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company : XXXX XXXX -I have two accounts with this company. 
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company. 

My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.

Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet. 

Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father. 

Thank you.
Product: Credit reporting or other personal consumer reports

For the pass couple years Ive been trying to figure out whos car is on my credit report. Ive went down to the dealership where the car was bought and got info showing that its not mines n I never authorized it.
Product: Mortgage

Closing mortgage and providing loan pay-off amount to predatory individuals without checking with the primary contact. The successor in interest wanted to assume the mortgage of his brother but without informing him, the mortgage provider provided the information and loan payoff amount to someone who submitted a document. 

Every state has different laws when selling property and in this case the property had to first be advertised for XXXX and the beneficiaries informed. XXXX submitted to the mortgage company a legal filing to Assume the Mortgage as successor in interest, which was his due right. The legal Documents were provided to the mortgage company. I confirmed with the supervisor that documentation was on record even then the mortgage company was working with predatory individuals who have been reported to the State Attorney Generals Office. The family has requested a timely Court hearing and request to assume the mortgage. However, mortgage company did not give any preference or priority to Succesor in Interest. Mortgage or Tax payments were current and no late fees. Mortgage company did not have any risk or need to offload this mortgage and had time to wait for due process to be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX  Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & XXXX Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as XXXX, XXXX, TransUnion, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

On XXXX / XXXX 2021 I had challenged AWA Collections to provide validation proof of a debt that was shown on my credit report. As to repose of the company # XXXX. They closed the claim on the CFPB with agreement of closing the account and removing it from my credit report.. As XX/XX/XXXX XXXX my credit report reported to me that AWA Collections did not honored the decision that they stated on CFPB portal. And continue to damage my credit score in the 3 major credit bureaus.
Product: Checking or savings account

I heard there was a settlement, Id like to see if XXXX eligible for compensation.
Product: Checking or savings account

I don't feel the bank is being as helpful as they could. 

XX/XX/XXXX I made two purchases online ( XXXX ) : XXXX   XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX What I got wasn't what I ordered. When I've contacted the seller they never responded. I returned both orders back to them XXXX. It was packaged well. 

It was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The coins were fake. I've already stated what happened. I have pictures. I wish the bank would do more to help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX By email : XXXX By phone : XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX-REPORTED XXXX {$36.00} XXXX XXXX REPORTED XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX shows up as a hard inquiry on my Experian credit report. XXXX XXXX XXXX had no lawful reason to perform a hard inquiry on my credit report nor did Experian diligently prevent unauthorized or unlawful access to my credit report. 

XXXXXXXX XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with US DEPARTMENT OF EDUCATION, account number ( s ) XXXX, XXXX, XXXX should be DELETED from XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.
Product: Credit card or prepaid card

On XX/XX/21 Bluebird AMEX prepaid card mishandled my data for card ending in XXXX. 
This is not a duplicate complaint as they refused to open and close a different card. 
Close account immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : XXXX XXXX. 
Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX Experian : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  ; XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandate that the three credit bureaus confirm these details ( XXXX  ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$790.00} Date opened XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  {$1400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$730.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : OCWEN  XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

oportun states that loan # XXXX was never fully paid off and that i owe {$150.00} it appears on my credit report twice. This amount was paid off on XX/XX/year>. Also its on my credit report for more then XXXX  years. I have a recept from in store payment that was done. If this loan was never paid off they would of never granted me another loan after and i did receive XXXX because i was in good standing on previous loan
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I always keep an eye on it, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was just a technical error, but the mistakes were still there. This issue has left me feeling incredibly uneasy, and Im requesting a detailed examination of the documents I've provided to ensure this doesnt recur.
Product: Mortgage

Home was flooded due to a burst pipe. Loan servicing provided incorrect information for insurance claim payment processing and endorsement. Causing delay in remediation and repair work so that I can return to home. Already one week behind with the delay in the turnaround of process. Should have disclosure of detail of process on website and be directed to it as soon as a call is made to service call center. Guidance completely opposite and different than process. I took notes and have it all written down. Very poor for this type of service.
Product: Credit card or prepaid card

In XX/XX/XXXX of this year I attempted to purchase a credit repair program, from someone named XXXX XXXX, one of his Company websites is XXXX, the cost of this program was {$1000.00},. I did a XXXX transfer. In return all I received was a data dump of useless information, it was the equivalent of buying a tv and opening the box to see a box of bricks. I attempted to retrieve my money from XXXX XXXX, but he began to ignore me so i attempted to request my funds back from Bank of America explaining the situation and that I was a victim of a scam. the claim number was XXXX, I also filed 2 claims with the FTC XXXX and XXXX. Unfortunately Bank of America was not able to assist with this and closed the claim. 

I am mentioning this claim because it was mentioned as an issue by one of the representatives, when I began trying to understand why a 10 year old credit card account was excellent payment history and in current and good standing was closed. 
I have been a customer of Bank of America for over 20 years with no issues until recently. I received a letter in the mail stating that my credit card of 10 years had been closed due to unusual authorized user activity. When i called for clarification no one was ale to explain what exactly the activity entailed. I inquired whether adding and removing authorized users was a violation of my terms and they said no it was not. After dialing multiple numbers I did speak to a representative in the credit department who stated that I had a claim on my account, but I mentioned to him that it was not my credit card that had the claim, He still inferred it may have some bearing on the decision. Ultimately I was given the answer that XXXX filed a report about my authorized user activity, but Bank of America could not provide the report. After my calls I also received several contradictory letters stating the account was open and my account history which was all excellent, this left me confused. Since Bank of America is the issuing Bank I would think ultimately the decision is theirs to open or close my account. I feel i was treated unfairly to have my account closed without a chance to dispute. Since then my credit score has dropped drastically due t losing my oldest card, which has made it difficult for me to get financing for my businesses. I also have a {$79.00} credit on the card that I am not sure what to do with since i can not charge anything to the card and can not transfer it to my other accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The address below is incorrect and needs to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Under USC Sec 15 1681, 1682, 1683, 1684 these items must be immediately removed. I have recently disputed these items to no avail and these needs to be removed asap.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. You guys have XXXX XXXX XXXX and my name is XXXX XXXX XXXX All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time I email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account Owner - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I discovered an inquiry on my Experian for a department store credit card ( XXXX XXXX ). I immediately called XXXX XXXX at XXXX pm on XX/XX/2022, and was told by the representation that NEITHER my Social Security number nor phone number was used to apply for the card. I tried to call Experian the same day and was told I would have to call Monday morning. I called Experian Monday, XX/XX/2022, at XXXX am and spoke to XXXX. I was assured the error would be removed and a message was posted on my account for a year. I was also told Experian would contact the other two credit agencies. The information was not removed in the 24-48 hours and I contacted them again to get it removed. Experian is telling me it has to come from XXXX XXXX. XXXX 's tells me since none of my contact information could be mirrored on any of their accounts it was an Experian issue. My credit is XXXX and I am trying to increase my score. I disputed several items on my account which were removed immediately, however, this is a blame game with XXXX XXXX and Experian. If I didn't apply for a XXXX 's card it should be removed and investigated. I have not been impressed with Experian. For a two-month period, my balance was not updated. Experian suggested I contact the companies who hold my debt. I contacted XXXX and XXXX XXXX and both told me they report each month and it was an Experian issue. A few days later it was corrected. However, it is apparently clear that when Experian makes a mistake they want to defer it to someone else instead of fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, XXXX, and Transunion, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped 3 points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Im unaware of this debt and did not have the opportunity to dispute his debt. Nor did I receive proper notification of this debt. If in fact, you believe you provided me with proper notification send me a certified receipt with my signature on it.
Product: Debt collection

On XX/XX/2017 I received a letter from IC Systems stating that I owed them XXXX. I sent them a certified letter asking them to validate the debt. I received no information validating the debt they state I owe, They however proceeded to report this debt even though it's under investigation to all three credit agencies which is a direct violation of the of the FDCPA Section 809 ( b )