23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT XXXX, TRANSUNION, XXXX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX Date Opened : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  Balance {$500.00} ; XXXX XXXX XXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.
Product: Mortgage

My account was close by error and a Satisfaction of Mortgage done - I did not ask to close the account and is not reinstated causing a financial hardship
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act regulations this creditor has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy ( USCS 1681 ( section 604 section 2 also states that a customer can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open credit plan as late for any purpose please delete this late payment affecting my credit score I this companies never validated the account never send me any contract with my signature or any valid documents when I requested I the collection they just ruined my credit
Product: Student loan

Incorrect IBR amount. It took 30 days and 8 calls to have the amount changed. The company wanted me to forebear since my payment was overdue, which was no fault of my own.
Product: Debt collection

I recently requested copies of my credit report in  XXXX   XXXX  to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in  receipt of this letter on  XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated  XX/XX/XXXX  fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason.  <P/>  1.  This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.  <P/>  2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to  XXXX  that the account was open on  XX/XX/XXXX , however also reported the " date of  XXXX  delinquency '' is  XXXX  and also the " date of major delinquency  XXXX  reported ''  XXXX . How can you report the account was opened in  XXXX  but state the date of  XXXX  delinquency is  XXXX ? This makes absolutely no sense.  <P/>  XXXX . I have never entered into a contract or agreement and have never done business with  Portfolio Recovery.   <P/>  4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt.  <P/>  5. Portfolio  is unable to provide me with an agreement between them and the original creditor they have listed.  <P/>  Portfolio Recovery  has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by  the Consumer Protection Finance Bureau ( a s recent as (  XXXX  ) and this a perfect example of this tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW. 





INQUIRIES ( IDENTITY THEFT ) XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX )XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX ) ( FALSE ) ALLEGED DATE OPEN : ( US DEPT ED XXXX ) DATE OPENED : XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DATE LAST ACTIVE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XX/XX/XXXX ( NOT MINE )XX/XX/XXXX Account Number : XXXX ( WRONG INFO ) XXXX XXXX Account Number : XXXX. 
( NOT MINE ) XX/XX/XXXXAccount Number : XXXX
Product: Credit card

On XX/XX/year> at XXXX PM, I accessed the Comenity Capital phone banking system ( XXXX ) and made a final payment to my account for {$1200.00}, receiving a confirmation number of XXXX. I was informed the payment I had made by phone had been returned, there was an issue with my bank. I confirmed the account number with the agent, it was correct and I reauthorized the {$1200.00}. payment Confirmation # XXXX. 
On my XXXX statement the payment made of {$1200.00}. was posted XX/XX/XXXX, and then reversed. In addition, charges were posted for : accrued interest {$870.00}, Returned Check charge of {$25.00}, Credit for the Returned Check charge of {$25.00} and Late Fee {$30.00}. This credit card had a promotion that was to expire after XX/XX/XXXX. 
Having made the payment via phone banking and double checking the following day the payment had been credited. I expected my payment had been processed before any expiration and possible accrual of interest/late fees. 
This was simply an error in the phone banking system and I should not be penalized for an error beyond my control. I am not responsible for the phone banking system. I can provide, copies of my bank statement showing the {$1200.00} was in my bank account the entire 2 months of this matter, expecting to be deducted for the payment to Comenity Bank. The credit card company had access to my contact information and should have contacted me if a correction was necessary. Instead the default was to allow the error to continue so I could be charged another {$870.00}. XXXX + interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

this showing as a late payment on my credit
Product: Debt collection

Reviewed my   XXXX   credit report dated    XXXX   XXXX  2017     and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$1000.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to  PRC  is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further,  PRC  has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.    4.  This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked   XXXX    to dispute such claims with no response from  PRC .   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX
Product: Credit card or prepaid card

Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.
Product: Checking or savings account

The bank closed my debit card XXXX for suspicious activity, I clarified that activity as valid and even that the bank refuses to give me a new debit card. 
I been requesting this many times by phone but they say that my account is under review. Until now I dont have any letter or explanation what is happening with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX XXXX Numbers : 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 Correct Numbers : ( XXXX )
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/2021 PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This information was added to all my credit reports. This is not my credit behavior or my account. They will not send me a validation letter with my wet signature because they dont have one. I have disputed this and no results. Below is what they report on my reports. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XXXX Status Collection account. {$2.00}, XXXX past due as of XXXX XXXX 
Status updated XXXX XXXX Balance {$2000.00} Balance updated XXXX  Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Month On record until XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My husband sent me {$320.00} on XX/XX/year>. When i tried to transfer it to my bank account I was informed that my account was suspended and asking me to send a verification of my identity which I did twice. I also called Venmo but they were not able to tell me why they would hold my money from my husband. I can not find any reason they should hold funds that are legally sent to me. I dont feel i should wait 5 days to release what is obviously legally mine. This is very upsetting because i heard they do this randomly all the time. My husband has been sending me money when Im out of town and there was never a problem until now. Its not like XXXX  of dollars that need to be questioned but it {$320.00} that I desperately need.
Product: Checking or savings account

My elderly mother who lives overseas has three accounts with Wells Fargo : a checking account, a money market account, and a CD. As of the time of this writing, the CD is worth about {$1400.00}. I am a joint account holder of the checking and savings accounts, as well as my mother 's POA. However, through some error, I was not added as a joint account holder to the CD. 

My mother called Wells Fargo XX/XX/2021 and attempted to add me as a beneficiary, payable on death, to the CD, but was told that nothing could be done unless she appears at a branch, in person. Despite my being joint account holder on two of her accounts and having general power of attorney over her, they will not add me as a beneficiary over the phone, or through the mail. They will not accept documents through any means other than in-person. 

It is physically impossible for my mother to appear at a branch office ; she is old and lives on the other side of the world. There are also no branches within XXXX miles of where I live : Wells Fargo has been closing branches at an unprecedented rate. No other bank requires one 's physical presence to add a beneficiary to an account. Most institutions even let you do it online. This requirement is unreasonable and not industry standard. 

Furthermore, the CD was originally created with a term of one year, but at some point was auto-renewed with the term extended automatically by the bank to 5 years. You can not leave standing instructions for the CD not to auto-renew : my mother will have to call them during the next 1-week " grace period '' before auto-renewal, which is 2 years from now. At her age, there is a distinct possibility that she will not be alive by then, which would mean having to go through probate to recover {$1400.00}. This is not feasible to do, so if this happens, the money will remain " stuck '' at Wells Fargo forever. My mother 's intention, in making me a joint account holder, was to prevent this very scenario.
Product: Mortgage

So for the past 4 months now I have been actively trying to work with freedom mortgage loss mitigation department in trying to find a way to get back on track with my mortgage and every time I call it's always a different excuse I have been working with my regional veterans affairs mortgage representative that I was assigned and on XX/XX/2022 I resubmitted there packet as instructed and the VA representative got a 30 day extension giving the lender ample time to review the packet and correct the mortgage loan but instead of them doing there jobs they never reviewed the packet which the VA representative has all the correspondence between them where the extension was approved for this purpose but instead of them reviewing the packet and moving forward with fixing the mortgage loan they just ignored the packet and the extension and went through with the foreclosure sale inside of the 30 day extension that was approved and they never sent out the letter stating the date and time of the sale to me so I feel that I am being discriminated against and unlawfully treated on the grounds that I am a XXXX veteran
Product: Debt collection

They Continue to email, send letters and make phone calls. I paid off the original credit card company ( XXXX XXXX Bank ) back in XXXX of 2021 right before they bough the debt. since then, they have been fraudulently and wrongfully reporting this debt on all three credit bureaus and have failed to provide any kind of evidence of the debt. I have been asking for evidence or verification of the debt for a year now, with no response and now they are threating to re-sell this invalid debt to another collection agency and further harm my credit rating as a result.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a {$250.00} money transfer was initiated by FRIEND to the XXXX account of XXXX by mistake. The correct email was XXXX. 
FRIEND contacted the recipient ( XXXX ) to request reversal of the transfer. The recipient acknowledged the incorrect transfer but he has since refused to return the money. FRIEND 's efforts to deal with both her bank Wells Fargo and XXXX ( XXXX 'XXXX XXXX ) have failed to achieve return of the money. XXXX refused to communicate with her. My efforts to convince XXXX have also failed ( see attached emails ). 

I request that you convince the Wells Fargo, XXXX XXXXs and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX to process the return of the {$250.00}. 

XXXX is a trademark of XXXX XXXX, XXXX XXXX XXXX is similar to such services as XXXX and XXXX. XXXX was created jointly by several large banks, including XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Wells Fargo.
Product: Money transfer, virtual currency, or money service

My account has been locked on coinbase.com early XX/XX/XXXX/late XX/XX/XXXX and I submitted a support ticket early XX/XX/XXXX to find out why and to get it unrestricted. Someone replied to my case around that time saying they would look into it, but now it's been nearly two months without any updates.