23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continue to receive calls for a payday loan ( Ace Cash Express ) I took out in Texas but had since received a letter from them years ago stating that they had discharged the debt. When offering to send them a copy and asking for their address or email they will not provide and start cursing me and threatening legal action. The do not cease to call me eventhough I requested they send everything to me in writing in which they have not for months now. They just keep calling and harrassing me and not giving me any recourse to present evidence of debt not owed and no proof presented to me that the debt is still owed, which it isn't because I believe they went out of business in Texas or got sued for practices or something but the letter was sent to me while I was in Texas of the debt being discharged. I'm sick of the calls, the harassment and the rudeness! 
It starts off as a robo call press # XXXX to be connected then it connects and then they give you your dob and name and verify it's you then when you say i've received multiple calls and have tried to get an address to send proof they start cursing and telling you that " you seem very angry '' and berating you and telling you that they don't need to give you an email or address that they are going to file a civil judgement against you and threatening you. But they give no means to send proof of debt not owed. It's harrassment!
Product: Credit reporting

There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.
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 : XXXXXXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 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. 

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 
So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Product: Mortgage

I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.
Product: Debt collection

This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.
Product: Credit card or prepaid card

There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.
Product: Checking or savings account

In XXXX, JPMorgan Chase, issued an account blockage due to an incorrect NAICS code entered on my account, Issue was resolved and I was told account was now unblocked. 

XX/XX/XXXX, Chase again blocked my account, without contacting me for missing KYC information. On XX/XX/XXXX, I contacted chase and was told the account would be closing at midnight on the XXXX, at this time I have yet to receive an update on why this was done without first contacting me and attempting to get me into a branch. 

This is my business banking account, and as such is now impeding the operation of my business.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.
Product: Credit reporting or other personal consumer reports

Can use my XXXX or other account like XXXX I was able to use now I can't also lost my job after had a month working got a pre adverse letter I have aXXXX XXXX but I have turn m life around have problem with background check got a letter from fair credit report act
Product: Credit reporting or other personal consumer reports

This is a XXXX XXXX XXXX ( XXXX ) administered by the XXXX XXXX XXXX XXXX. The loan defaulted in XXXX, as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed XXXX have BOTH a XXXX administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per XXXX XXXX  of XXXX XXXX orders .... XXXX began reporting my XXXX XXXX  loan to the credit bureaus in XX/XX/XXXX. There was also a XXXX XXXX XXXX XXXX moratorium on negative credit reporting on XXXX XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly XXXX  years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. 

XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX and am out thousands of dollars because they refuse to accept my money.
Product: Vehicle loan or lease

My Name is XXXX XXXX On or about XX/XX/XXXX I notified my lender Lobel financial that the way I receive my income had changed. I continued to notify them about the situation every month and it was not until around XX/XX/XXXX that I was told that there was a way to change your payment due date. I followed the process and they continue to not follow through on their end. this is causing me many months of late charges. which they laugh about and say I will pay them in the end of the loan.

Another thing I asked them around XX/XX/XXXXif they could pre qualify me to get another vehicle. They told me no they don't do that. They are a finance company that does not Finance loans? Anyways I found out later that the vehicle that I purchased had four accidents. I found this out when I went to trade it in? They new about this when I financed it. I believe that they use this predatory lending practice so that the consumer will have to keep the high interest loan for the term of the loan. Since the vehicle is actually worthless.

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

Despite open disputes between XX/XX/XXXX and XX/XX/XXXX written and certified documentation has been forwarded to all three credit bureaus about a past creditor, ( Macy 's ) department store revolving charge account who reports a past due charged off amount of {$4400.00}. My attempt to amicably resolve this issue has failed ; in accordance with the Fair Credit Reporting Act section 616 and  section 617 if the items are unverified, they are required to be deleted immediately. According to FCRA, physical verification of the original signed consumer contract is a requirement before credit reporting consequently I have demanded to see their verifiable proof, ( an original consumer contract with my signature on it ) the creditor has refused to furnish appropriate debt validation ( see attachment ). XX/XX/XXXX, I spoke to a manager and Macys 's  representative listed on my bureau report file who verified Macy 's original creditor is XXXX, XXXX XXXX XXXX XXXX and the account was sold in XX/XX/XXXX and no further collection activity is optional. Despite my repeated request to date I have not received any " verifiable proof '' of this debt from the original creditor or collection agency. Because the account is sold any creditor ( s ) is obligated to adhere to the same statues described above to avoid violating my rights as a consumer.
Product: Credit reporting

Charge off Account with XXXX is not reporting correctly with Equifax, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Specifically, under **15 U.S.C. 1681c-2**, I request that these fraudulent accounts be removed from my credit report as they are the result of identity theft. This section of the FCRA provides that a consumer who believes they are a victim of identity theft can request the deletion of information related to fraudulent transactions. 
Failure to remove these fraudulent accounts from my credit report could be considered noncompliance with the FCRA, potentially subjecting XXXX ] to the aforementioned penalties. 


Ive attached my police report showing that my wallet and items containing my personal information have been stolen and compromised. The items listed are a result to me being a victim of theft remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a product called Experian boost. If you do not XXXX XXXX XXXX XXXX XXXX XXXX or any other large entity. If you not with them you can not improve your score with Experian. This is deceptive trade act account they take formation from small banks why can they not allow small banks with online accounts to join. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not allowed to partake in Experian boost. All this has to do with increasing your fico score. Experian doesnt care to take care of small towns like XXXX XXXX Experian will take information from every bank in XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report form the XXXX major bureaus in which deleted items were reinstated on to my credit report. I sent letters for them to send me the information which they have used to verify such actions to which they all have failed to do so. The CFPB have filed lawsuits against experian for inadequate actions in regards to investigations to verify and validate disputes. This seems to be the norm and i want it corrected immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/24, XXXX suddenly doesnt show our Citi savings account. Citi 's XXXX app on my phone ( trusted device ) also logs me out and says to login online. I try to authenticate w/ XXXX  ( i.e., XXXX XXXX XXXX text, phone call, AND email ) on Citi 's website on my computer ( trusted device ). I lock our credit cards in case of malicious activity. 
The site says to call one of 2 phone # s & tell them I have an " XXXX '' issue. I suspect portal compromise & a potential phishingXXXX attack. One # is a foreign advertising service that feels like a scam. The other is a strange man with a fake-sounding Texas accent XXXX so I don't give him any PII. The # on my Citi card reaches a VM saying theyre CLOSED til XXXX XXXX. 
I've received 0 alerts/notifications ( text/call/email ) about account issues. We haven't even withdrawn ; just funded ( w/ saved, trusted accounts ).

I've called daily to verify our money is safe. I was finally told theyre doing an " account review '' that will take " 24 - 48 hrs ''. It's been a week, w/ 0 updates on who is reviewing what for how long or when Ill regain access to our money. Today they said *if* Citi decides to, they'll unblock the account *at some point*. We have a XXXX son, our life here is expensive, and it feels like Citi is trying to steal our life savings. 
They marketed this account to us for months, saying if we quickly add money well get better perks. So, we linked our other banks and rapidly funded the account. Now that weve deposited {$140000.00}, Citi is BLOCKING OUR ACCESS! This is unethical, unconstitutional & ILLEGAL.

In a recent data breach that could have been avoided with simple security measures, Citi PREVENTED customers from thwarting attacks. The NY AG has filed a class action suit against Citi for failing to protect customers & honor fiduciary commitments.

CFPB : Please don't let Citi defraud us ; we can't afford to have our life savings stolen. Thank you for protecting us & holding businesses accountable! 
Citi : Give us our money back NOW!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. These inquiries were not authorized. 
Date of inquiries XX/XX/2023 XXXX Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX XXXX - Equifax XXXX XXXX - Equifax XXXX Equifax Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,