23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not owe this amount. Property they are trying to collect from I was not the owner or a resident at the time and I did not authorize these services. The company has yet to show me any documentation that shows I was a resident at this property at the time of collections.
Product: Debt collection

On XX/XX/19 on my cell phone, I found a missed call log entry at XXXX XXXX from XXXX at an unknown location. I XXXX the 866 number and found multiple descriptions of the source as Portfolio Recovery, a collection agency and financial services firm. Many comments about the company described calls that were baseless, harassing, and unremitting. However, Portfolio Recovery was also described as a huge corporation, now called PRA Group, that buys debt cheaply from creditors and then tries to collect not as cheaply from debtors to make a profit. The internet reported that the New York State Attorney Generals office and the federal Consumer Financial Protection Bureau have both taken significant actions against the company under its several names for improper and sometimes deceptive debt collection practices. I responded to all this by checking my three credits reports, none of which showed adverse information ; I was aware of no debts not promptly paid by me. I then called the 866 number from my cell phone and spoke to a representative. I indicated to her that I was returning a missed call from her number. I gave her my phone number. She said that for her to tell me the reason for the call I would have to give her my name. I declined to do so because of adverse information about her company on the internet, and I stated that if her company has any demand to make of me, she can use my phone number to find my name and mailing address, if these latter data are not already in her companys hands, in order to send me the demand in writing. I told her that my credit reports have confirmed that I have no bad debts outstanding. I then filed the above narrative as consumer complaint # XXXX at the CFPB website on the same day. PRA responded via the CFPB on XX/XX/19 by requesting, in order to investigate the problem, the number of the cell phone on which I had received the company 's call. My feedback on the same day via the CFPB website stated essentially that the companys response was not substantive and that no action or plausible promise was made by the company. My reason for that feedback was the contradiction between 1 ) the companys request via CFPB for my cell phone number and 2 ) an  assertion on the phone by the companys customer service representative that my phone number, which I had told her, was not sufficient and that my name would have to be provided. I am now initiating a new complaint via CFPB because today on my cell phones missed call log I found a XXXX XXXX entry from XXXX from an unknown location. I XXXX the number ; some among the many hits of complaints identified the source of that same number as Portfolio Recovery. I had not contemporaneously been aware of or picked up the call and I will not call back. I will not disclose personal information in this complaint. As I had told the customer service representative by phone on XX/XX/19, if the company has my phone number, it can use that information to find my name and address and thereafter to notify me in writing by regular U. S. mail  about any ostensible pecuniary demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.
Product: Checking or savings account

I was scammed by a seller on XXXX XXXX. The seller stole XXXX dollars and never sent the item. I tried to dispute the transaction, giving my bank as much information as needed ( pictures tracking numbers, screenshots ) and was denied and told to dispute the option with the seller. The seller has blocked me on all platforms and denied my refund request, so I am unsure of what to do.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. This List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX section XXXX A. States I have a right to privacy. 

15 USC1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXXXXXX : {$910.00} ; XXXX XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX  Original creditor XXXX  XXXX  XXXX XXXX Balance : {$1600.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit card or prepaid card

I am reporting fraudulent transactions happened with my Chase credit card. I have noticed a couple of major fraudulent transactions on my credit card somewhere around XXXX XX/XX/2018. Immediately I reported it to the bank. They cancelled my earlier card and issued a new credit card ending with. At that time they removed all unposted fraudulent transactions and refunded the fraudulent transaction money. They also sent an email stating that they will investigate the transactions and ask me if any information needed in that regard. However, they never asked any further details later. Meanwhile I received one of the articles ( womens sports innerwear ) from XXXX   ordered by the fraud on my delivery address. I reported this to both my bank and XXXX ( email confirmation from XXXX regarding this is attached ) I returned the article to the XXXX as it was not ordered by me. They posted a refund to my account ( {$52.00} ) on XXXX XX/XX/2018. I believed that the issue was resolved. But the bank posted two of the major fraudulent transactions ( which was refunded earlier by bank on reporting ) back on my account on XXXX XX/XX/2018 ( one for XXXX, {$83.00} and another one {$230.00} for a XXXX transaction ). When I asked the bank ; they said that the transaction happened by providing my address as billing address ; which I never ordered. They also gave me the tracking details of the article ordered by the fraud ( I attached the tracking details herewith ). Now the bank said that they will re-investigate the transactions and let me know their decision in 5-15 business days. But now they generated monthly bill including the fraudulent transactions ( which I reported to them earlier ) I now paid the bill excluding the fraudulent transaction. I am afraid that they, may charge late fee and interest for the fraudulent transactions. I have also reported this incident at local Police station in XXXX, NY. The incident number is XXXX. In all these things chase bank wasted my half day.
Product: Checking or savings account

On XX/XX/year>, I requested to transfer funds virtually between two financial institutions I have accounts with Huntington Bank and Michigan XXXX XXXX XXXX. Huntington requested that I verify my account with the other institution. Huntington sent two small transfers to XXXX XXXXXXXX in the amounts of XXXX cents and XXXX cents. I logged into my Huntington account verified and entered the two amounts sent to XXXX XXXX. Huntington approved and verified that the other account was my account and approved me to do online transfers on XX/XX/XXXX. On XX/XX/XXXX, I sent {$25000.00} from my huntington checking account to my XXXX XXXX checking account. ( limit on transfers is {$100000.00} ) On the morning of XX/XX/XXXX, I received an email saying my account was suspended and to call the bank. I called but they were closed due to it being a federal holiday. On XX/XX/XXXX, I went to the XXXX branch in XXXX, MI. That day I spoke to a teller and a XXXX. They both told me two different reasons why I didn't have access to my online banking and ability to transfer money online. The teller told me that it's because I transferred money to a credit union, and they always suspend accounts sending money to credit unions. Later, I spoke with a XXXX, and she said my account was suspended because it was a big amount of money being transferred and I only had to give them a copy of a bank statement from XXXX XXXX and they will give me access to my account again and give me the ability to transfer to the already previously verified XXXX  XXXX account. The teller told me that once I sent the bank statement in, I would get access to my account instantly. The branch manager told me that it would take 2-3 business days. It's been 4 business days since the branch XXXX submitted my XXXX XXXX XXXX statement to their internal department. I still don't have access to my money and I'm unable to pay for my children XXXX and other bills. This has presented a great hardship on my family. I'm being penalized for what? I'm not understanding. I feel like I'm being discriminated against. My significant other is a retired bank regulator with the FDIC and told me to file a complaint with you guys because he thinks there is some funny business going on with this institution and Huntington Bank needs to be investigated. Please help me with resolving this manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; 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 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 XXXX XXXX XXXX
Product: Mortgage

I have tried several times to get Seneca Mortgage XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to do a home modification. They gave me the run around and customer service was rude. After submitting all the documents they requested they had already set a foreclose date on property. This was while I working with XXXX and they still did not help
Product: Money transfer, virtual currency, or money service

I opened a Crypto Currency Account with Coinbase approximately three-four years ago. During the month of XXXX XX/XX/XXXX I received several text messages of a pending withdrawal from my account. It advised that if it was not me I should click on the link. I did not do so instead removed the Coinbase App from my cell temporarily. During XX/XX/XXXX I reinstalled the Coinbase App and it did not recognize my email or password. I communicated to Coinbase of the problem at least a dozen times by email. The reply I received is that my account is locked. I have tried to have Coinbase unlock my account by way of numerous emails without a satisfactory reply and sometimes no reply from Coinbase. I do not have access to my account despite my plea. Coinbase refuse to address my issue and my funds remain in their custody for the past six months. How can I resolve this issue and or close my Coinbase account. Coinbase remain in possession of my money under the guise that my account is locked despite all my efforts to identify myself as the authorized client.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Product: Credit reporting or other personal consumer reports

I never gave these people my debit card. The debit card that they have is on my XXXX XXXX  I never ever ever ever when I say ever ever gave them that debit card cause I never gave anyone a debit card ever. Its no no I never give them that debit card so the fact that they somehow got it makes me feel like theyre scamming through my XXXX XXXX because what the freak and I never asked them to give me a membership. I never would want a {$25.00} membership and charge me {$26.00} Cause that did the XXXX they charge you XXXX something on it which is freaking illegal and these people if they do not fix this and never do this again will be sued and they need soon because I didnt remember and I think I know I wake up and {$26.00} out of my debit card That XXXX XXXX  so they got my card and Im at the police charges on them because I never gave them my card and Im so unsecure right now cause I dont know how this company can get somebodys card that was never entered on their site. I never even asked for membership never click anything. I looked at my my credit report lately to see what it was thats it and wan na ask me do I wan na remember I clearly no I do not but the before experience and they do this. This is what they do. They steal peoples money. They never gave them my card that XXXX them stealing jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXX  Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ XXXX {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, : XXXXXXXX XXXX XXXXXXXX, # XXXX, : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Prepaid card

On XX/XX/year> a case claim was made to Vanilla Gift Card Disputes Resolution Department requesting a refund total amount for {$5000.00}. A total of XXXX Vanilla Gift Cards in {$500.00} amounts ea. were purchased in the total amount of {$5000.00}. Our case was investigated and approved for the total refund amount of {$5000.00}. As of XX/XX/year> we received and activated a total of XXXX cards in the total amount of {$3000.00}. We have yet to receive the remaining refund amount of {$2000.00} on a replacement card. We have made several calls and written letters to Vanilla Gift Cards Dispute Resolution Department for completion of the transaction and closing of the case. XXXX XXXX XXXX XXXX Department has not and is refusing to issue the full amount that is owed to us, which is {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report a lot of information is invalid. I am interested in disputing all incorrect information on my transunion credit report to help fix my file.
Product: Mortgage

I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused stress.