23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, Diversified Recovery Bureau, LLC emailed me a notice of balance due. Email was received at XXXX XXXX. 

On XX/XX/2022, Diversified Recovery Bureau, LLC called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They left messages at XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2022, I called Diversified Recovery Bureau, LLC at XXXX XXXX to inquire why they would call me 4 times in a matter of minutes. I was told by Diversified Recovery Bureau , LLC that they had only called me once. I told them that no they had called me multiple times and left multiple messages. I explained that when someone calls me repeatedly like that I immediately think something has happened with my daughter. They denied they did any wrongdoing or that they called me repeatedly. I have the phone record and voicemails proving otherwise. 

They asked if they could call me in the future my answer was a firm no and assured them that I would get the debt taken care of.
Product: Debt collection

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. 
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. 
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. 
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Product: Credit card

I just received this card once I got my new car. It is a card with XXXX. Every time time I try to log in to my account I have been having issues. When I tried to register my account it gave me an issue and i had to call customer service. When I was on the phone I was finally able to register my account. I made a payment. I signed up for paperless statements and to receive emails. I got an email with my confirmation of my payment. Now I am trying to log into my account for the past XXXX days and I am not able to get into it. It also is showing online my phone number is not on my account and only my email is. I called up and spoke with a representative and they told me the website is down try later. I, have now spoken with another person and they have informed me everything is working fine they are not sure what is going on with my account. She stated she sees my phone number and that when I made the payment they are not able to send it as an email but through the mail. She gave me my confirmation and I also have received withdraw information from my bank. This is ridiculous this is my first month with this credit card And it has been such an issue. I have read online many people have complaints about this same exact bank from XXXX years ago. Online it shows my account is not found.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts 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.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I disputed several collection items, XXXX recovery Account # XXXX for {$75.00} and XXXX recovery- Account # XXXX for {$230.00}, with XXXX and Equifax . as of today,XX/XX/2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Mortgage

Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.
Product: Credit reporting or other personal consumer reports

Company claimed to be deleting this from report still shows on report
Product: Debt collection

XX/XX/XXXX, I reviewed my credit report through my checking account and saw that my credit score had decreased. After further review, I saw the company CRM al known as Credence Resource Management reported I had a past due balance for XXXX  without verifying whether the debt was actually mine. I reported this to the 3 credit bureaus, the identity theft department of the FTC and fraud department at XXXX XXXX XXXX XXXX XXXX XXXX removed the derogatory mark from my credit report in XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Credence Resource Management in response to my request to verify. The account is inaccurately linked to me. I never opened a XXXX account for service nor am I affiliated with the address ( in XXXX, Texas ) linked to the services installed that are past due. I am a victim of identity theft and as such I have opened another case with the FTC/XXXX. I also contacted AT & T again regarding this matter and I have fraud alerts from XXXX, XXXX and XXXX and credit freeze on my credit report. Credence Resource Management has not performed due diligence in verifying the debt is actually mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

OnXX/XX/2020 a non-profit in NC provided my family with XXXX to help with rent/ mortgage from the rental relief fund during Covid-19. They processed the payment electronically to the account with NewRez. I have contacted NewRez multiple times via phone where I am told they can not locate the payment but once they find it they will apply it and not charge late fees. It will be a month this Friday that the payment is sitting with the service center and has not been applied. The non-profit that made the electronic payment sent me the confirmation they could provide however I received a letter from NewRez that  they cant find the payment, it is late, I will be charged fees and if I would like send them acceptable proof of the payment I can with a written request to look for it again I can. 

NewRez Reference # XXXX ( this is the actual account # ) Acct ****XXXX  Payment Reference # from Non-Profit not involved in the complaint XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claimed adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has two accounts on my credit report. One from Midwest Recovery Systems and the other from XXXX XXXX XXXX. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was told XXXX my Bank of America account was closed and I didnt the reason but I was young I didnt care 4 years later Im trying to get my credit up I look up reason why I couldnt get one and I see fraud under my Bank of America account and now I cant get any bank so I called early warning they sent me a mail and I see account I didnt open and addresses I never stayed In
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX : XXXX { Credit Bureau XXXX ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX k }
Product: Bank account or service

I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.
Product: Credit reporting

I have tried on numerous occasions to get an account that was charged off in 1994 removed from my report and Equifax refuses to remove it. XXXX has, XXXX has. 
The original account with XXXX was from 1994 and it has been sold, and resold to collection agencies over 22 years. Equifax is using the date of the last " sell '' to a collection agency as the date I originated the loan with XXXX. After several online attempts as well as phone calls directly to Equifax they will NOT remove it. It is with XXXX XXXX who is already being against in a Class Action Law suit for harassing folks via their cell phones to try to get money. I am at my wits end yet nothing changes and they just say " it will remain on your credit until the last collection agency has had it 7 Yrs!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports and noticed an account that I did not recognize. It was a credit card reported from JP Morgan-Chase account number XXXX in XX/XX/XXXX that was showing as a charge-off. I reviewed this account and noticed that the payment history between the bureaus did not match and delinquency dates did not match, further showing the erroneous nature of this account. I disputed this account, but it kept coming back as " verified '' from the bureaus. The bureaus did not provide an original instrument of indebtedness, such as a signed contract or original signed application, that would be required in order to verify this account in accordance with the FCRA. So, I decided to contact JP Morgan-Chase directly in order to see how they were verifying this account. They received my letter on XX/XX/XXXX and, according to the Fair Credit Reporting Act, they have 30 days to verify the account. If the company can not produce the proper documents within that time frame, they MUST delete the account from the 3 bureaus immediately. It has been well over 30 days and JP Morgan-Chase has not sent me any documentation. They are therefore in violation of the FCRA and I want them to comply with the law by deleting this account from my 3 credit reports immediately. If they do not comply with the law, I intend litigate. I have attached supporting documentation.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccura

cies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

What Happened In XXXX I purchased an XXXX XXXX ( XXXXXXXX XXXX ) through a loan with Citizen One Bank . After receiving it, I decided I didnt want the phone, so I returned it to XXXX , which they received and confirmed. 

However, despite the confirmed return, I later discovered that Citizen One Bank continued to charge me as though I still had the phone. I contacted Citizen One Bank to resolve this issue. They promised to call me back on XXXX but they did not follow up as they said they would. 

Since then, Ive reached out multiple times to both Citizen One and XXXX. Each time, Citizen One tells me to speak with XXXX, and XXXX refers me back to Citizen One. Neither company seems to know how to fix the issue or is taking responsibility. 

Actions Taken 1. I purchased the phone in XXXX this year. 
2. I returned the phone to XXXX, who confirmed they received it. 
3. I contacted Citizen One Bank to inquire about the charges and was told I would receive a follow-up call on Wednesday, XX/XX/XXXX, but no one reached out. 
4. I have repeatedly tried to resolve this by calling both companies, but they continue to defer me to one another. 

Requested Resolution I am asking that Citizen One Bank stop charging me for the returned phone and remove any charges related to it from my account. I would also like a written confirmation that my account has been adjusted to reflect the return and that no further payments are required.