23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

During the height of the pandemic in XXXX of 2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XXXX of 2020 XXXX  XXXX XXXX turned over for collection utilities owed ( despite them being in a place of moratorium ) to XXXX XXXX XXXX, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.
Product: Debt collection

XXXX has HIRED Diversified Consultants Inc as the collection agency to try and collect a debt. They are USING an INTIMIDATION TACTIC by placing the DEBT on my credit reports WHILE they are TRYING TO VALIDATE THIS DEBT. I have NO signed CONTRACTS WITH THIS FIRM THAT OBLIGATES ME TO THIS DEBT and the fact that they placed it on my XXXX, XXXXXXXX  & XXXX   Credit Reports is a violation of the FAIR CREDIT REPORTING ACT & FAIR DEBT COLLECTION PRACTICES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX
Product: Credit card

hello- i have spent many hrs on this matter with paypal accnt # ending XXXX asking them to stop harassing me for payment due when there is not any based on my balance statement and the ups return of merchandise back XX/XX/23 to seller 'XXXX XXXX '. confirming tracking # is XXXX. attached along with billing statement, emails, and text messages asking for payment with possible late fees and collection action. this tactic of theirs in order to collect additional payments is extortion and needs to stop. my continued requests to them have been of no use even though their management has said all cases closed. 
plse. look into this matter asap, other unsuspecting customers could also be affected. 
thank you. 
XXXX.
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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal reports.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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. 
XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX  {$89.00} XXXX XXXX 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 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: Credit reporting or other personal consumer reports

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} these accounts were open by fraud
Product: Credit reporting or other personal consumer reports

I am disputing three loan charge-offs appearing on my credit report two accounts under under account name XXXX XXXX XXXX and one account doesn't even provide any information regarding third party information. After reviewing my credit report, I have identified this inaccurate, outdated, or unfairly reported charge-off, and I request its immediate removal under the Fair Credit Reporting Act ( FCRA ). 
These charge-offs are causing significant damage to my credit profile, and I demand that it be properly investigated. According to the FCRA, all reported information must be accurate, verifiable, and fair. If the furnisher of this data can not verify its legitimacy in compliance with federal regulations, the credit bureau must delete it from my credit report.
Product: Debt collection

Medical bill was placed in collection on XXXX XXXX with Choice Recovery Inc. In the amount of {$500.00}. Both accounts has been paid in full and I was told would be removed from collection. 
Transaction IDXXXX.
Product: Debt collection

A company called Glass Mountin Capital is repeatedly sending texts stating : " You are receiving a message from Glass Mountain Capitl LLC. You can reach us at XXXX. Please click https : //glassmountaincapital.com/pay-my-bill.html for more information. Text STOP to opt out of future messages '' I am not aware of any debt I owe from past medical bills. I called the number to see what it was. They gave me the name of " XXXX XXXX  '' for a bill from XXXX. It was in the amount of {$57.00}. When I asked for a specific date of service or location for this company, they told me I need to find that myself. Confused ( again, I have no outstanding medical bills, especially from XXXX ), I tried finding the company " XXXX XXXX  '' out of XXXX and called the number. They had a pre-recorded message stating that they are NOT Radiology Consutants and they are not collecting any debts. It also stated that XXXX XXXX  as it was in XXXX is out of business. I did some research on this and it turns out that there is a shell company that may have gotten a hold of the old records for XXXX XXXX and is trying to extort cosumers for debts not owed. 

Please help! I have perfect credit! I would not let a small amount of {$57.00} go into collection. I know if I actually had a debt, it was paid back in XXXX. And I guess the bigger question is if a company has gone out of business, it certainly wouldn't make sense that 3 years later ( I started receiving these rogue communications back in XXXX via text ) they are trying to collect debt. I have never received a statement in the mail for this, only texts. 

Something is wrong here... .please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and transunon has accounts on my credit report thats not mine/fraud.
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 issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims 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 scam. The 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

I have asked for XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX to be removed from my TransUnion Credit Report. I sent in the information that should be there. The information is still on my credit report as of today. I would like for the information to be updated ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Chase Business Credit Card about a month ago. I was ultimately denied due to a couple of issue that were on my credit report. I had since resolved one of the said issues and was calling in to have that information reconsidered. The agent said I was still within the 30 day window during the call and she just need to resubmit for review and they would reach out about proof of the paid charge off I had settled. They never reached out, so I called to be told I was denied again. But, my complaint is that they did another hard pull on my XXXX credit report that I did not authorize. Like I told the supervisor " XXXX '' whom I spoke to, I would not authorize another hard inquiry from them, especially within the span of 1/2 months. If they pull their own recorded calls they would clearly hear I did not call to have my credit pulled again, I called to submit new information that should have gotten me approved. The latest pull from them I am disputing occurred on XX/XX/2021. It was not authorized and should be deleted immediately. It negatively affects me.
Product: Debt collection

A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX  XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX   have deleted this debt. XXXX  did not. I need this removed ASAP as I am in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item for which I have not received a bill or and am not aware of a valid debt ; however, it reports as a collection item for Experian. They have not done proper due diligence or provided any support to me to support keeping the item on my report.
Product: Debt collection

I just got a call from a guy who first asked me to confirm my name, then said he was with a company that handles " business issues. '' He was speaking in a thick XXXX accent. He then proceeded to try to get me to confirm my address, which I wouldn't do. I told him he needed to tell me who he is with and to state the purpose of his call. He stuttered a bit. I started counting down from 10. He never told me a company name. I then hung up. I then called the number back and the name of the company is XXXX XXXX XXXX. Another guy answered with a thick XXXX accent. I asked him what their company does. He asked for my name. I wouldn't give it. He said he can't tell me anything about their company without my name. I told him that their business has a very poor approach to contacting customers and that I think I'll report them then hung up. Now that I've checked on the company, it seems many people have received similar calls and it's apparently a scam. It seems they claim to be a debt collector and once they get your financial info, you're toast. The number they called from was XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX  Amount {$980.00}, Account XXXX XXXXXXXX Account : XXXX, Amount {$10000.00}, Account XXXX XXXXXXXX Account : XXXX, Amount {$1000.00}, Account XXXX XXXXXXXX Account : Old Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Here is the organized list by dates and account names, with credit bureau names removed 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 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  # XXXX, I received an alert from XXXX  ( Experian ), Experian has updated a collection my credit report today without allowing me to dispute and I don't have direct energy and just move back to this place on XX/XX/XXXX. Per XXXX XXXX, states amount is {$520.00}. and last pay for in XXXX and stated XXXX states it will be on my credit report until XXXX with again violates the law but, I have a right to view all claims but, XXXX XXXX and XXXX ( Experian ) has violated my rights. I don't have bad credit but, XXXX  just put this on my credit without giving me any rights to dispute this with them or XXXX XXXXy sending me notices with FDCPA give my rights with both parties have violated..This also stops me from getting Student Loans and it violates again on report due to the fact of me having good credit WHICH XXXX XXXX and Experian just stopped me from continuing with violates the laws on report not only, put something on file without allowing me the RIGHTS TO DISPUTE>.I DONT HAVE ENERGY WITH YOU. I can also get my current Electric company to validate that i have no claims against my Electric history..
Product: Debt collection

I have submitted a copy of the returned letter to all  XXXX  Credit Bureaus via certified mail on  XXXX   XXXX ,  XXXX  ; regarding an incorrect address to a creditor named  XXXX , opened on  XXXX   XXXX ,  XXXX , asking for immediate removal due to invalid information on my credit report.
Product: Debt collection

I was contacted about a debt from banana republic. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks  unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXXXXXX
Product: Checking or savings account

I recently opened an asterisk-free checking account from Huntington and deposited funds. Huntington locked my account and access to my funds without cause. I have no way of accessing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Product: Mortgage

On Friday XX/XX/year>! Myself and XXXX XXXX my fiancee called New Rez 3 times, to resolve the following issue on one of our two mortgages they have with us.

Issue one! 
To reverse the misapplied late fee XXXX that they put into a debt collections it wasn't even valid.- three calls three employees each and everyone would get to a stage then hang up on us so we had to call again. 

Issue two!

they applied an overpayment to the principal instead of the mortgage payment and hung up on us when we neared the end of the conversation ( 3times ) so we don't know what happened. {$770.00} Issue three!

We can not get online to my account and we call and they hang up on us.
Product: Prepaid card

When ever I try to see my balance remaining with Vanilla gift prepaid card it just says NotificationA system error has occurred. Please try again later This is getting ridiculous. Nothing but trouble with what should be a easy experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$10.00}
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from Enhanced Recovery that claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. 

I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection the agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ).

I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. 

Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. 

I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

On or around Monday XX/XX/XXXX a member of our company deposited a virtual check via phone deposit. She is a member of our company listed on the secretary of state of Georgia. Her funds in the amount of XXXX were held and the account is facing closure for fraud... This was our first mobile banking deposit. 

I called a representative on Wed XX/XX/XXXX to get a urgent update on the funds, which cleared the senders account and bank of America is holding funds. 

He provided an insult as " it is not our jobs responsibility to care about the customers '' I immediately told him that was unethical and that is exactly what a banks job is.. He rebuffed my statement rudely and got off the phone. 

In other words he did not care that the money is being held with NO timeline on release. 

Also there is an ach that will be sent to the account on XX/XX/XXXX in the same members name, that we do not want to be held. 

The account also has an available balance of XXXX that is being held ... All funds are CLEAR. 

WE NEED ACCESS TO OUR FUNDS IMMEDIATELY AS THE REASON FOR CLOSURE WAS NOT FRAUD.
Product: Debt collection

I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX. They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to PHH mortgage in early XXXX. I received two checks from XXXX XXXX  with my name and my mortgage companys name which at that time was PHH mortgage. I signed the checks and sent them to PHH to be counter signed. They held onto it for about two months, and then sold my mortgage off to XXXX XXXX  along with my checks and everything that backed up my losses. I have begged XXXX XXXX  to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for XXXX - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( PHH Mortgage ). I have recently been XXXX  with XXXX XXXX, and Im going through XXXX  and can not even afford my XXXX  bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.
Product: Payday loan, title loan, or personal loan

When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.
Product: Credit reporting or other personal consumer reports

there's several inquiries I came across on my transunion and equifax account that was there due to fraudulent activities, It was removed from XXXX but equifax and transition never updated the accounts and inaccurate inquiries wasn't removed. 

I've circled and underlined all the inaccurate inquiries that was added to my account in the image below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an item with Experian and they failed to start the dispute in due course. Instead, we discussed an option to upload documents which they were well aware of what those docs are, from an email sent over to them, but they still had me upload it to their broken system to gain few more days. Then they advised me they can't use those docs. When I informed them of new doc 's received from the company, and that I need a quicker way to submit it. XXXX XXXX gave me a broken Fax number to fax it to and dragged it out for another few days causing me severe pain and damage until they finally gave me a good fax number and when received they again were unwilling to accept those docs. This is a simple run around of a fraud company. Even after the creditor itself advised them over the phone of the error they didn't fix the error.