23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contesting an incorrect debt in the amount of {$64.00} that was sent to a Collections Agency/Attorney 's Office ( Aldous and Associates Attorneys at Law of Holliday, UT XXXX. I have contested the debt with the original vendor ( XXXX XXXX in XXXX and XXXX of 2020, as well as XXXX of 2020 XXXX, and my credit card company XXXX XXXX XXXX XXXX contested the incorrect charge of {$22.00} XXXX XX/XX/2020 XXXX which was an auto payment for a membership service incorrectly and unfairly applied due to Covid shutdown ). I have filed complaints with the Colorado and Utah Attorney General 's Offices, as well as with the Utah Consumer Protection office. I have also filed an official collections refusal with the collections agency on XXXX XX/XX/XXXX. I have not been able to clear the incorrect debt ( there is no debt owed, the original company charged my card incorrectly for a monthly membership due during the Covid shutdown ). I receive calls from the Attorney 's office XXXX times per day, usually without a voicemail, they call at all hours, including weekends. The original company claiming the debt XXXX XXXX XXXX XXXX has not responded to any of my attempts to clear the incorrectly reported debt as it is " in the hands of collections now. '' I am requesting this incorrect debt be cleared to {$0.00} and the phone calls to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out my letters to TransUnion on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


XXXX : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my XXXX  account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!
Product: Checking or savings account

I am trying to link two financial accounts and PNC is prohibiting me
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 a 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 seven years.

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: Credit card or prepaid card

on XX/XX/2019 i called wells fargo XXXX XXXX XXXX credit card customer service i talked to XXXX at phone number XXXX i told him that on XX/XX/2019 a credit card balance refund of {$25.00} was subtracted from my credit card balance.I did not receive a refund in the form of a refund check or statement credit.All he responded was i did and never explained to me in what form of payment did i receive.Wells Fargo owes me {$25.00} and i request a refund check of that amount
Product: Debt collection

I sent a letter to Portfolio Recovery Asso, LLC to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.
Product: Debt collection

Latest date of phone call - XX/XX/2019 XXXX MST This company, identified as Radius Global Solutions , has been using their call center in XXXX to spoof local phone numbers and make harassing phone calls that violate several sections of the Fair Debt Collections Practices Act. These include : repetitious phone calls that are intended to annoy, abuse, or harass, calling without telling who they are, and calling before XXXX XXXX. 

The supervisor on duty at the time of calling was XXXX XXXX ( spelling is not clear, he refused to spell his name ). 

Typically, they hang up without leaving a message. However, on this latest call I was able to answer. By the use of their XXXX call center employees, the company misrepresents the nature of the call as well as refusing to provide more information to rectify simple mix-ups like wrong numbers. 

This company has been told several times that they are calling a wrong number and although they indicate the number has been removed, they continue to call from different phone numbers. They refuse to answer questions in order to rectify the calls and simply hang up when more information is requested. They also refuse to provide simple and non-protected information about the nature of the call and their business. Through the use of repeated harassment and very early morning calls the attempt to bully people into paying questionable debts is clear. 

Additionally, I have received calls from this company several times per week for months, despite repeatedly telling them that they have a wrong number. In short, their communication tactics are abusive, threatening, and unprofessional even when dealing with a simple wrong number. It is doubtful they are better when conducting legitimate business with actual cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions ( XX/XX/22 & XX/XX/22 ) I have reached out to XXXX and I have also reached out to EQUIFAX on two separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. The accounts still remain and have not been fully validated by either credit bureau. 



XXXX ( XX/XX/22 & XX/XX/22 ) -Account Name XXXX XXXX Equifax XXXX XX/XX/22 XXXX XX/XX/22 ) -Collection Agency XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is claiming i owe XXXX when i returned all the equipment to them. I have written them and spoken to them in the past before they send out a dunning letter, but they still claim i owe them money. They have no responded back to a letter i sent to them and they did not send back any of the information i have asked for.
Product: Student loan

Hi, I applied for student loans in XXXX of 2008 to start classes at university XXXX. I proceeded to go on for 2 years applying for loan after loan to cover the cost of the school. After I graduated with a degree in XXXX ( which does n't account for anything ) Navient started right away with the phone calls about repaying the loans. I have been back and forth with them about forbearance and income driven repayment plans. I keep calling and trying to talk to someone and they give me the run around about how to go about affording something other than {$500.00} a month. So now I have a degree ( that 's probably as good as working at XXXX ) that got me no where and {$33000.00} in student loan debt. If you are here for your costumers then prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my credit information and identity
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I opened a checking/savings account with First Tech FCU on XX/XX/2022. 

I made several deposits including the following : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$990.00} XX/XX/XXXX : {$1900.00} On XX/XX/XXXX, I received a secure message that my account was temporarily suspended. 

I have contacted First Tech a number of times by phone, approximately every 2 weeks, to find out when I will be able to regain access to my account and have been provided no information. 

I have received no other correspondence via phone, email or mail since the secure message received on XX/XX/XXXX. 

As of the posting of this complaint, it has been XXXX  days since access to my account has been suspended.
Product: Debt collection

When I checked my credit report I saw a collection balance from Eastern Account System regarding a XXXX  Account.I havent had XXXX since the early XXXX.I called to see about the account and its fraud they said they would contact the collection agency to remove the account from my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. 

On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.
Product: Credit card or prepaid card

XXXX XXXX, XXXX Citibank, NA XXXX Box XXXX XXXX XXXX, SD XXXX XXXX simplicity Account ending in XXXX. 

To whom it may concern : Regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered.Your understanding is kindly appreciated. 

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

Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, XXXX has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact XXXX and other relevant parties, but unfortunately, these attempts have been unsuccessful for over XXXX years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that XXXX immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

FJSglobal says I owe {$1300.00} to XXXX XXXXXXXX XXXX, they say its a charge off,,, I never did business with any XXXX XXXX XXXXXXXX 

Now this FJSGlobal wants me to set up payment arrangements to pay off this debt or pay a one time settlement if XXXX 

I sent them an email message that they have the wrong person or they are creating fictitious debt to people to pay on something they do not owe. 

This phone call from FJSglobsl was received on XX/XX/2022, so I went online and saw the information in my name regarding g a XXXX XXXX XXXXXXXX
Product: Debt collection

I am waiting to file bankruptcy to restructure my personal credit card debt. XXXX XXXX has been calling my XXXX-year old mother-in-law, who lives in XXXX alone about my personal credit card debt. She tends to worry and panic and every time they call to harass her it makes her very stressed out and worried. My husband and I live in XXXX. XXXX XXXX has been harassing her and calling her twice a day for the past few months. I never gave her information to them and I am not sure how they decided to start calling her. She is an elderly person and should not be subject to their repeated harassment and violation of debt collection practices when contacting a third-party. With them harrassing her twice a day these past few months, who knows how much personal information they have given her without my consent or knowledgement.
Product: Credit reporting or other personal consumer reports

The account reporting to the consumer reporting agencies are reporting as open accounts with a past due balance in which according to the FCRA this is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX, I tried to create an account on the Social Security website. The website asked me a series of identity verification questions that I later learned are generated by Equifax. These questions referred to " may '' have accounts of various sorts ( mortgages, auto loans, retail cards ) which I do not have and in some cases have never had, and I know this with certainty. In addition, the street address question didn't list a street name that even remotely  resembles a place I have ever lived. 

To troubleshoot this I tried to obtain my free Equifax report - assuming it would list a series of wrong loans that were generating the questions. Or perhaps, it would show that I was a victim of identity theft. The XXXX site, however, asked me _the same exact questions_ which of course, I was unable to answer. I then spoke to person at Equifax who was able to verify my identity - but could only mail the credit report to my home. I then ( because I was in a hurry ) paid to get my credit report ( they had no trouble verifying my identity when I was paying ). Interestingly, the credit report did not show any of the loans that were referenced in the erroneous questions. 

In the meantime I submitted a complaint about the erroneous questions, because I still want to create an online Social Security account. I left a voice mail at their department that is responsible for generating these questions, which is apparently in XXXX. As of XXXX, XX/XX/XXXX, I have not heard back. In the meantime I tried the Social Security site again, but it once again asked wrong questions about non-existent loans or inaccurate street names. 

It's clear the Equifax 's question generating software is wrong. This is depriving me of the opportunity to get an online Social Security account, and thereby requiring me to go to the office in person, which is a significant time expenditure for me. It's surprising to me that Equifax is allowed to have this contract for identify verification when its software is so clearly flawed - especially in the aftermath of the cyber breach. I did not have any similar problems with the other providers ' sites.
Product: Credit card or prepaid card

On XX/XX/2017 a charge of {$430.00} was made on my Citibank/ Sears Card , this was not my transaction.

I have tried to resolve the transaction with the issuer of my card, and even though is it quite clear that the signature for the transaction is not my signature, Citibank/ Sears Card are refusing to refund my credit card the fraudulent charge.
Product: Credit reporting or other personal consumer reports

Capitol One XXXX rewards card account XXXX is paid as agreed it is paid off but it's showing a balance they never updated the system to paid with XXXX balance
Product: Credit card

I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.
Product: Mortgage

We sent offer documents to US Bank and they said it's low and they countered the buyer 's offer. The buyer did not increase their offer but instead they provided documents such as the most recent Active and Sold Comps, Repair Bid, Letter of Explanation for Value Dispute and Single Source ROV ( Reconsideration of Value ) - filled out. We submitted these documents to US Bank and they said that since the Appraisal was conducted on XX/XX/XXXX, they need 3 sold comps within 6 months prior to that date. We would like to know why is the investor using comps for last year if it's already in XX/XX/XXXX?
Product: Vehicle loan or lease

I am having a issue with my vehicle loan servicer First Investors Servicing Corp. 
I had a 72 month loan which was paid in XX/XX/2023. During this loan period I skipped XXXX payments and had them put to the back of the loan. When my loan was due to be paid in XXXX. There was still a balance due the maturity date changed, I then saw I was scheduled to pay XXXX payments and not the original XXXX. I have as of today paid XXXX payments which is a extra over the XXXX. 
Theres no way by putting XXXX payments to the back of my loan I magically owe XXXX payments. That would mean for every payment I put to the back I now owed XXXX payments. 
This would be abusive financial conduct and predatory lending practices. I have contacted the company and asked to speak to their legal department to rectify this I havent heard anything in about 3 weeks. 
I would like this resolved fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account written consent.