23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX DATA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2023
Product: Student loan

My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX IXXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a chapter XXXX bankruptcy petition on XXXX # XXXX with the assistance of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX and was assigned trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I began making payments in the amount of {$1000.00} to the trustee. In these payments were principal payments to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ph # XXXX. I voluntarily removed myself from the bankruptcy XX/XX/XXXX when financial situation changed and there was no longer a need for court intervention. 

Instead of honoring the bankruptcy protections during the time the account was under trustee control, XXXX XXXX XXXX is saying that the trustee made XXXX payments late and reporting negatively on my credit. The late payments show XX/XX/XXXX and XX/XX/XXXX during a time when they refused direct payment from me and when the trustee was legally obligated to make the payments to the creditor. Since the account had been in good standing up until the date the chapter XXXX was filed, it is illegal for XXXX XXXX XXXX to report negatively on an account included in the Chapter XXXX and maintained by the courts. The negative and inaccurate reporting has dropped my XXXX XXXX XXXX points. 

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 ( credits can report debts as delinquent or in default if that was their status before the bankruptcy filing ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Portfolio Recovery Associates , LLC Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA. I have experienced significant difficulties with them regarding a credit card debt claim. 

I was sued by Portfolio Recovery Associates for alleged credit card debt, but I never received the necessary documentation to validate that the charges truly belong to me. Additionally, they failed to verify any of the provided information, which I believe is against fair lending practices. Due to the situation, I did not have legal representation during this process, which left me at a disadvantage. 

I have since learned that the CFPB has also taken action against Portfolio Recovery Associates in relation to these practices, specifically in Case XXXX, with documents filed on XX/XX/XXXX. 

I urge you to investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC, to protect consumers like myself from unfair practices. 

Thank you for your attention to this matter. 

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

On XX/XX/2019 I applied for a pre-approvel loan with XXXX XXXX, which ran my credit for the pre-approval. I was later sent an email that I would have 14 days to shop around with other vendors to get quotes without it affecting my score. On XX/XX/XXXX I applied for a pre-approval with USAA  mortgage lender and my credit was checked also leaving a hard inquiry on my credit within the 2 week period.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

AXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint with Transunion credit bureau because there are a few errors or items that I have hard evidence to have removed or edited. After creating and submitting disputes with evidence and or letters the company generates a reason to not investigate. It states that the items disputed are proven not to be on my credit report, however that wouldn't be the case if I was able to create a dispute. 


Please look into the matter, I would like to have you investigate before taking legal action.
Product: Debt collection

XXXX XXXX XXXX contacted me saying they represent XXXXXXXX XXXX XXXXXXXX XXXX. they said i owe XXXX to XXXX. I have never had an account with XXXX, even though they gave an account number.. I looked up XXXXXXXX XXXX XXXXXXXX XXXX on the net, your article came up about fraudulent charges. I have decent credit and I do not want this to ruin it. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX/XXXX  XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Heartland ECSI has me set up for quarterly payment withdrawals, the XX/XX/XXXX quarterly payment went through correctly. On XX/XX/XXXX, Heartland generated a bill that I did not receive in the mail until today, that bill has incorrect information regarding my quarterly payment dates, outstanding balance and past due balance. A fee of {$1.00} was charged on XX/XX/XXXX for my past due balance on that date. The interest charges and past due balance appear to have continued to accrue and increase after the incorrect quarterly payment date on the bill of XX/XX/XXXX. 

Yesterday morning, on a Federal holiday, Heartland 's collections division called to collect on my " past due '' balance. I refused to provide Heartland 's extremely-agressive collection agent my Social Security number or birthday as I could not verify that the incoming call was actually coming from Heartland. When I tried to call back, I was informed that Heartland was closed for the holiday. I logged in and paid my " past due '' balance of {$26.00} to avoid a late payment strike on my credit report. On their website I put the XX/XX/XXXX bill next to the previous bill and noted all of the discrepancies between the two for the dates, expected payments and balances. I double checked my auto payment settings and they were all setup correctly. When I paid my additional payment, I was charged an ACH fee of {$1.00} for the convenience of using this service.

Today I began calling Heartland at 7 am. I have now spent four hours listening to hold music. I have asked to be called back three times and have not received any response whatsoever.

This is not the first time that Heartland has made errors with processing the auto payments I setup on their website. The one late payment on my credit report is from Heartland making this exact same error in XXXX 

In short, my complaint is that Heartland is deliberately making administrative " errors '' to fraudulently drive up ACH, late fee and penalty interest revenues, using the threat of negative credit reporting to keep the suckers in line.
Product: Checking or savings account

Did notreceive proper notification from bank stating late payment on annual fees when i was notified by credit reporting agencies dropping my credit score when i saw my credit score dropping i corrected the annual payment fee and initially they Regions bank cotrected the negative reporting then they put the negative score back on my credit reporting with credit reporting agencies with incorrect information reporting differences with different credit reporting agencies
Product: Credit reporting or other personal consumer reports

I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you Please block/remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I was on the phone with Wells Fargo for over XXXX minutes to get a 10 day hold on a {$24000.00} deposit made into my business account on XX/XX/year> removed. I received a notice on XX/XX/year> from Wells Fargo from that the the " Account was not found '' and there would be a 10 day hold. I found out on XX/XX/year> that the check had cleared the makers account on XX/XX/year> in the full amount of {$24000.00}. 
I contacted Wells Fargo at XXXX XXXX  on XX/XX/year> regarding this matter and was turned over to XXXX different departments and people, each asking to put me on a XXXX XXXX minute hold, Names available on request. The connection was also horrible and hard to hear like a very poor inadequate voice over system. Finally after them calling the makers bank ( I was the maker on the account at XXXX XXXX ) and them verifying that the check already cleared, they finally released the funds. I understand the risks involved for the banks but with the technology available this is totally unacceptable and I feel that Wells Fargo should be investigated for this type of scamming using the excuse that the " Account was not found '' to float on a customers check for 10 days. Further to have to waste XXXX minutes of my time is ridiculous to gain access to my funds. I feel they owe me a courtesy adjustment of at least {$50.00} for my time wasted being jerked around by them. This is concerning for me as this is NOT the first time this has happened to me. The last time I had to spend over an hour in the local Branch while they tried to upsell me on moving the funds from my other account to Wells Fargo which is laughable when they pull tricks like this holding and sitting on my cleared funds.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXXXX/XX/XXXXXXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, have 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 an 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - Account Name : FAIR COLLECTIONS AND OUT Account Type : Closed, Account Type : Secured credit card, Date Opened : XXXX XXXX, XXXX, Balance : {$4100.00} Fraudulent Inquiries listed below : - XXXX XXXX XXXX : XXXX XXXX, XXXX - XX/XX/XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company.
Product: Money transfer, virtual currency, or money service

I made a echeck for my rent to be paid as a ACH so it was pending for a few days. I monitored the balance up until the night of the transaction occurrence I went to sleep because I was scheduled to work. @ XXXX money was shifted in my account it was less than {$1.00} dollar that I did not initiate and this caused my Check to be returned and a {$45.00} fee assessed. I reached out to the support but they were unable to assist me because they failed toclaim any wrongdoing stating I had a feature turned in that caused this automatically but that particular was turned off. I made sure. this was the XXXX check that returned to me by this institution. I have since removed my direct deposit and choose a different institution. I believe that this is wrong to do to people
Product: Debt collection

I keep getting threatening calls regarding a debt from XXXX. They called my place of work and left a message on my phone saying they were going to garnish my wagers and take me to court if I did n't call them right away. The message was left for my manager but I actually got the message. They 've also been harassing my family members. I do n't know where they got my information from but I want them to stop harassing me. The name that was given on the message for me to contact was XXXX XXXX but when I called back and asked for this person they did n't exist. I was given a case number of XXXX. I asked what company they were and what this was about. I was told the company name was MAC and they were calling regarding a pay day loan debt that I owed. She said I owed {$450.00} to some company called XXXX XXXX from 2011. I explained to the lady that I never took out a pay day loan with this company. I ask what was the official name and address of the company and she would not give it to me. She just started yelling at me as to why I wo n't pay my debt. She wanted me to give her my social security number so that she could verify that this was my debt and when I would n't give it to her she just became more irate. I told her to take what ever action they felt necessary and I would deal with them in court. She hung up the phone on me. This company has been harassing me for a month now. Calling me from several different numbers. 30 minutes after that call I received a call from a XXXX XXXX from XXXX XXXX XXXX regarding the same thing but now the pay day company name and the amount has changed. Total scammers.
Product: Debt collection

Balance {$3100.00} I have tried numerous times to get this account verified and Portfolio has not provided me with sufficient information to verify this account balance is correct, if the have the right to own it or if they in fact the debt is even mine. 

Date opened on XXXX  shows XX/XX/XXXX but XXXX  and XXXX  show XX/XX/XXXX. Account number is XXXX on XXXX  but on XXXX  and XXXX  show XXXX. Date of last payment shows XX/XX/XXXX on XXXX  but Portfolio sends me a statement showing a date of XX/XX/XXXX. 

Notices sent to Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and Portfolio has ignored my request for the proper information to validate this debt. 

My request have also been asked to the following credit bureaus XXXX, XXXX  and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet the information still has many inconsistencies being reported This is unacceptable how can I verify the information if they have not given me a date of first delinquency or even know how the balance they are requesting is the right amount just by a bill that was sent to me.

Bill statements given is as follows XX/XX/XXXX balance {$1600.00} ( paid {$27.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2000.00} ( paid {$39.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2100.00} ( paid {$64.00} on XX/XX/XXXX ) - XX/XX/XXXX balance {$2300.00} ( paid {$75.00} on XX/XX/XXXX ) - no statements given for the following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX balance {$3000.00} ( paid XXXX  ) XX/XX/XXXX balance {$3100.00} ( paid XXXX  ) There is no signed agreement or bill of sale given between the creditor they state they got bought this account from. 

Where is the copy of the Original Debt Notification Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to Equifax stating that I would need verification bearing my signature in reference to XXXX XXXX XXXX who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.
Product: Mortgage

Written request. 
Payoff statement expiring XX/XX/2019 of {$250000.00} may be paid from {$620000.00} paid to principal. The extortionists May then refund the remaining {$360000.00} to me at the property address.
Product: Money transfer, virtual currency, or money service

Zelle transaction. 
XX/XX/XXXX XXXX. 
Spoke with the fraud departments at Zelle, XXXX, FBI, local consumer advocates to start an investigation into my circumstances. Later informed there was nothing they could or would do. Do not understand why this product is allowed to continue with out making changes to their customer protections when have meet annually since their inception in XXXX. This product was created by Zelle and XXXX 's top banking institutions. It is well known that fraud is prevalent with this product. In fact, the XXXX are sue XXXX XXXX XXXXXXXX, XXXX XXXX for failing to stop widespread Zelle fraud. 

How is it they can operate year after year with this being a known fact without some regulatory authority demand that they change their product to protect their members or the consumers. This product has become a source of income for fraudsters. 

Do these circumstances require a visionary to solve the problem? NO