23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian has failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

Received a call from this number on XX/XX/XXXX. No voicemail left. Received another call today ( XX/XX/XXXX ). " XXXX XXXX '' left voicemail asking me to call him back. Did not mention a debt or identify himself as a debt collector. I have saved this voicemail and will provide it on request. Googled number to find it belongs to Leading Edge Recovery Solutions. I do not owe any debts.
Product: Money transfers

I was initially contacted via email XX/XX/2016 by an individual stating they were a Broker for XXXX in XXXX and that they were interested in purchasing a timeshare I own at XXXX in XXXX. 

In order to complete the transaction I was told they needed a copy of my driver 's license and passport in addition to wiring {$1800.00} to XXXX in order to cover the costs of a power of attorney, remaining maintenance fees, and transfer certificate. After I had provided the documents and wired the money they stated that the " buyer '' had deposited an additional {$8900.00} into the escrow account to cover the cost of paying off the timeshare and are now requesting that I wire this amount to them before the funds in escrow will be released. I became concerned about the legitimacy of the request and discovered that the " Sr Broker '', XXXX was actually a criminal using an inactive license with the XXXX Division Of Real Estate from the Real XXXX who reported that he was a victim of identity theft over 1 year ago. 

I had spoke to the following people representing themselves as brokers for XXXX : XXXX, XXXX, and XXXX. Another individual, XXXX, stated that he was the Financial Escrow Executive for XXXX in XXXX. 

The contact information I received for each company is below : XXXX, XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX, XXXX XXXX Company No. XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$410.00}
Product: Student loan

Around XXXX of 2014 XXXX XXXX  scammed me into XXXX XXXX XXXX XXXX XXXX XXXX XXXX They stated that I would be getting a XXXX  to XXXX XXXX XXXX XXXX but that still made me complete the application for student loans. All of the student loan money was used at XXXX and they could not give me answers as to what the money was used for.
Product: Debt collection

I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.
Product: Debt collection

Well it says on my credit report this account was opened in XX/XX/XXXX, of XXXX  and I havent applied for any phones from any phone carrier so someone has compromised my information and I have experienced identity theft an there for Im aware of this debt.
Product: Payday loan, title loan, personal loan, or advance loan

First Heritage Credit Loan was payed off on XXXX XXXX, 2024. I considated XXXX loans off my credit report because the instrist rate was high. First Heritage was XXXX of them. the other XXXX loan are showing payed off with a XXXX balance. First Heritage is still showing the XXXX balance even thou it was payed off XXXX days ago.
Product: Checking or savings account

Hello, I am currently enrolled with Marylands Pandemic Emergency Unemployment Compensation that was recently partnered with Bank of America, where MarylandUE would send my weekly paychecks of {$540.00} to a Bank of America checking account. 
( BOA website : XXXX : XXXX Maryland Department of Labor Unemployment Portal : https : //beacon.labor.maryland.gov ) On XX/XX/XXXX I tried to access my Checking account and was notified it was closed and that I need to have Maryland 's liaison with Bank of America ( BOA ) send BOA " information proving my qualification for payments ''. They said after I call Maryland, it will take 2 business days to correct. 


On XX/XX/XXXX, when they opened, I called Maryland Unemployment who assured me i was verified qualified and did not understand what BOA wanted as there was no indication for Maryland that any information was incorrect. Maryland said they put a note on my account and that it was up to BOA to fix. I spoke with 3 different operators this day and was told the same thing. 


On XXXX, and XXXX I called each day multiple times ( I stopped counting at 10 ) but was told every time that neither institution could do anything and to call the other. Starting XX/XX/XXXX, Maryland severed their ties with BOA so on XXXX the Maryland operators explained they no longer work with BOA and could do nothing themselves as they no longer have a BOA liaison. Most were completely unaware what BOA was referring to. 


I called BOA again on XXXX to see if I could retrieve my past funds any other way or prove my identity any other way and was refused, stating that their system wont allow any manual changes and it the system will automatically correct in 2 days after " Maryland verifies it ''. 


As of XXXX, Bank of America is still withholding the {$1600.00} from my 3 past paychecks and will not accept any method for me to prove the money was intentionally sent to me. My state sponsor has obviously approved my account if they are still sending payments to it. BOA even accepted the payment from Maryland on XX/XX/XXXX to my BOA checking account they closed on XX/XX/XXXX. 


TLDR ; BOA closed my checking account that had {$1000.00} in it, on XX/XX/XXXX claiming i needed to verify MarylandUE is paying the correct person ( me ), will not accept any means of verifying myself, but still collected the last payment Maryland Unemployment sent to them on XX/XX/XXXX, totaling {$1600.00} that they are withholding from me.
Product: Money transfer, virtual currency, or money service

I received a phone call from " XXXX '' who claimed to be with the Wells Fargo fraud department. His caller ID said " Wells Fargo '' and the number ID matched the one on the back of my debit card. He claimed that a suspicious activity was occurring in my account and we needed to stop the wire theft and retrieve the funds. He knew the last XXXX digits of my social security number so I believed him. There were XXXX wire transactions- XXXX for {$5300.00} and another for {$8200.00}. He then asked me to confirm a code sent via text to me that said it was from XXXX XXXX I confirmed the code. This process continued for about XXXX more codes and " XXXX '' then confirmed that they were registering the fraud with Wells Fargo fraud department. I was to be called the next morning to confirm. That call never came. Before hanging up, this person asked that my wife and I set up call forwarding to XXXX so that they could intercept any fraud calls. Essentially they set us up so that the real Wells Fargo fraud unit could not reach us. The funds ( {$13000.00} ) were then wired out to an account in the name of XXXX XXXX at XXXXXXXX XXXX. By the time I realized what had happened, I cancelled the call forwarding and contacted Wells Fargo. The scammers had emptied our savings and checking accounts, and also somehow managed to draw down on an old line of credit that I thought was cancelled ( part of the {$5300.00} ) ; they also took a cash withdrawal from my XXXX XXXX XXXX basically taking the money I had just sent to make the payment on that card ( {$700.00} ). These scammer were quite sophisticated insofar as they had somehow hacked into our accounts to sound knowledgeable enough to convince me of their authenticity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received notice at all, I am not aware that I have a past due balance but I paid it as soon as I was able to verify that it was valid. 

I am in the process of a mortgage loan and the only thing that is preventing me from moving forward is this account. My credit score dropped by 90 points and Its beyond frustrating. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three mortgages with XXXX  XXXX XXXX. All were transferred or sold to another lender, but with insufficient prior notification of the loans being sold. This resulted in payments being made to the wrong lender, and my account being incorrectly reported as past due. Attempt 's correct this mistake with the credit bureaus and the lender have failed to resolve this issue. 

Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XX/XX/XXXX Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with Equifax ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Equifax ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
Product: Credit card or prepaid card

I have two credit cards with Bank of America and have never been late since they were opened. On about XX/XX/2022, Bank of America closed one of the credit cards with a positive balance of about {$430.00} without my knowledge. Bank of America reduced the balance to {$0.00} without refunding the credit balance to me. They also made the credit cards online information inaccessible for me to check past charges. The card was closed immediately XXXX XXXX and XXXX sent false and inaccurate collection balance information to XXXX and other credit bureaus. Bank of America did this without regard to the potential impact on my credit rating. When I went to the XXXX branch and complained to a manager about it she told me that the refund was mailed to my home few months ago. When I told her that I did not receive it, she promised to deposit it in my checking account with Bank of America. I have not received the credit up till today.
Product: Credit reporting or other personal consumer reports

My birth name is XXXX XXXX. My whole life I have not been able to get credit due to the bureaus mixing up our names. 

Ive called, disputed, written and no one will listen to the complaints. 

I need my credit report to read XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Product: Consumer Loan

BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from CCS Collections/CREDITOR : XXXX XXXX XXXX specifically the account titled CCS Collections, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to CCS Collection continues to attempt to collect on an invalid debt. 

CCS through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, CCS violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f.

Through all the above-mentioned conduct, CCS is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d.

Through the above conduct, CCS violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt.

Through the above conduct, CCS violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, CCS violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement.

Through the above conduct, CCS violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Product: Credit card or prepaid card

I traveled to XXXX, XXXX, XXXX, XXXX and XXXX in XXXX, XXXX, and XXXX and my XXXX Card, which advertises " no foreign transaction fees '' charged a few dollars higher for each transaction made during my travel. I called on XX/XX/XXXX and was told they charge a " interchange fee '' which is built into their exchange rate. They use an inflated currency exchange rate. The rates are found on this website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't use the real currency exchange rate, they use a higher one that will get more money for them on each transaction.
Product: Student loan

On XXXX/XXXX/XXXX, I had received a phone call from a Navient Representative. .... He stated that my loan was late, since my automatic payment did not go through. He stated my account was not sent to the credit bureau at the time of the call. He stated that, if I paid a one month payment, and paid {$1.00} towards reinstating my IBR, along with just XXXX automatic payment deduction for the following month, then my account will be brought current and I will be in good standing. .... This was verified based on a phone conversation I had with Navient 's supervisor XXXX XXXX # XXXX in XXXX XXXX. The supervisor also stated my account still shows I was only 58 days late on XXXX/XXXX/XXXX. He also stated he could not provide the rep 's employee # because he was let go. I had then spoken with Navient 's Manager, XXXX XXXX on XXXX/XXXX/XXXX, and he advised me to make a request that my ombudsman dispute be reopened. .... All I am asking is for the voice recording on XXXX/XXXX/XXXX, be made transparent in a written transcript to verify what I am saying is true. .... Upon confirming my statement as being true, then I am motioning Navient to remove the 60 day late credit reporting on all three of my private loan accounts on XXXX. I am requesting Navient take ownership and liability for falsely or by misinforming me of inaccurate information as stated above. As I 've stated repeatedly, I work XXXX and my brother who is my co-signer, XXXX. The public stakes their lives on the quality and integrity of our work. I am requesting the same integrity from Navient. The harmful outcome of the false statements by the Navient rep has destroyed our relationship. Please make transparent a copy of the voice recording or a written transcript of the voice conversation to the ombudsman office and myself. Please accept responsibility and remove the negative reporting. I am asking Navient to do what is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following. 

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 )  XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX