23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company has continuously called not identifying themselves as debt collectors or an attempt to collect their debt. They received no answer no one says anything when they call and they use the robocall to update credit records as if they spoke to someone. They should not be able to update credit records saying that they spoke to someone for example they have a declared natural disaster written on my credit record no one spoke to me I never declared any natural disaster. This company is making false representations on my credit record updating it monthly is not two or three times a month they didn't buy the debt two or three times a month they have no right to update it to three times a month they've never spoken with me I don't owe this debt and they have been predatory in their attempts to collect the debt that is not old. In this form I'm only allowed to choose one auction at a time but there are many more options if I could choose more than one that I would fill in for them. When I asked for verification and validation of debt in 2019 I received no reply.
Product: Checking or savings account

XX/XX/21 I was cold called by an agency XXXX XXXX XXXX XXXX XXXX XXXX stating that they were in charge of a delinquent bank ( Fifth Third ) account I once had. They mentioned the bank branch by name and they had my social security number, along with an old and current address I had. The amount they originally wanted was about {$1300.00}, and had been reduced to {$710.00}. After making the payment and receiving the emails theyd mentioned I would receive XXXX a settlement letter with case number and receipt for payment ) I decided to call the company to ensure all was well. The call answer had an automated response that seemed fishy. To my dismay, XXXX searches indicated the company was a fake.
Product: Debt collection

Harris & Harris LTD did NOT stop contacting until after I submitted complaint, XXXX, to the CFPB. I reviewed multiple calls and kept the call logs after telling them i didn't owe the debt. Calls did not cease and i kept getting voicemails from the " same '' person but it really wasn't that person. They closed my original complaint without addressing the real issue after continued abusive and fraudulent tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, XXXX and Experian are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax keep reporting XXXX XXXX on my consumer report but the information is inaccurate. The car was in an accident and all the air bags deployed. XXXX XXXX XXXX reporting that it is active and saying a payment was made last year in XXXX which is also inaccurate. They keep falsifying saying the account is being paid on so they can keep reporting it. This account should be closed. I have sent pictures of the car and my report to XXXX twice before showing proof of inaccuracies but they still put it on my report and I asked for an investigation and proof that I'm making payments but I never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries not initiated by me. Indication of a mortgage opened in XXXX of 2020 not mine! Someone is using my identity!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion. 

I want the CFPB to publish this description
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES, XXXX DISPUTE OF ILLEGAL INACCURATE INFORMATION Re : Account XXXX Portfolio Recovery Associates is reporting illegal inaccuracies on my credit report. The amounts and the legal removal date being reported is illegal inaccurate information. These accounts have been written off by the original company many years ago ; however, Portfolio Recovery continues to report inaccurate amounts and disregards the legal date of removal and has failed to provide legal documentation necessary to determine legal accurate information. 

I have sent several written requests certified mail requesting Portfolio Recovery Associates to provide legal documentation of the complete account history needed to legally determine accurate information. 

The documented proof I have requested has not been provided. I have only received random billing statements without sequenced dates and without payment history and late payment date. 

The billing statements do show the large {$500.00}. Payments I have made on the account that Portfolio Recovery did not credit to the account ; nor is there any indication of late payment dates that are needed to determine legal date of removal of the accounts. 

Portfolio Recovery is reporting illegal inaccuracies of amounts and date of legal right of removal. Portfolio Recovery has failed to provide the legal documentation information requested of the complete account history needed to determine legal and accurate information ; therefore by law these inaccurate accounts must be removed from my credit report immediately.
Product: Mortgage

Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXS CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX  CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it XXXX concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXN Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit card

XXXX is a company that provides services in 2 different industries- in this case a loan agency and a solar panel sales agency. I had a balance transfer check in the amount of {$5600.00} from 2 First Tech Federal Credit Union sent to " XXXX ''. When I looked up the address online to send the check to I did not know that there were 2 separate agencies and the balance transfer check went to the solar panel agency instead of the loan agency. The check was issued on XX/XX/XXXX and deposited by by the XXXX solar panel agency on XX/XX/XXXX. The check included my account number with the XXXX LOAN agency- i have no account number with the solar agency. When I called and spoke to the solar panel agency and explained the situation they attempted to look up my account and then confirmed that they do not have an account for me and that I would need to work with my bank. Clearly this is fraud on the part of XXXX, and I do have another complaint filed against them ( XXXX ). However, the problem here is that First Tech Federal Credit Union will not assist me in getting this matter resolved. I have called, emailed and sent a letter. When I call I am given the runaround, being told that this needs to all be communicated via email. When I attempt to email them or send USPS mail, I get no response. Of course, XXXX is not willing to work with me either. I need First Tech Federal Credit Union to investigate this issue, but clearly they are not willing to! I have attached a copy of the check sent and also screenshots showing my outstanding balance and that there has been no payment applied to my XXXX account for the {$5600.00} balance transfer that was deposited on XX/XX/XXXX. I have filed complaints against both XXXX and First Tech Federal Credit Union due to the fraud committed by XXXX and the inaction of First Tech Federal Credit Union, refusing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account from my credit report..I have no business transaction with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Product: Credit card

I made a return, when I made the return I sent proof of the return, tracking number and receipt, after a while they charged me for the product again, I opened a case or made a complaint And I formally opened a case. But I never found out because all I know is that they sent me a paper in XXXX, which I didn't understand since I only speak XXXX and use a translator to write this message. After they charged me again, I contacted PayPal and PayPal Credit didn't help me. They said they would call you and that the process would take a long time. They never called and I only received an email saying The case was closed in favor of the seller. I tried to request help through the PayPal app and website, but I was never able to because the options were apparently missing or hidden. The chat never helped and there was no email and the times I tried on the phone they didn't help me either. I no longer have the documents I sent as received and the tracking number. What happened was with XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Close Fraudulent Account XXXX XXXX XXXX XXXX ) Dear Sir or Madam, I am writing to report that I am a victim of identity theft. My personal information was used without my authorization to open an account at your company. I did not authorize or open this account and therefore request that it be closed immediately. 

Additionally, I request that XXXX XXXX absolve me of all charges associated with this fraudulent account and take the necessary steps to remove any related information from my credit files. 

To support my request, I have enclosed the following documents : A copy of the Police report A copy of my Identity Theft Report. 

A copy of my credit report, highlighting the fraudulent items related to your company.

A copy of the Consumer Financial Protection Bureaus ( CFPB ) Notice to Furnishers of Information, outlining your responsibilities under the Fair Credit Reporting Act ( FCRA ).

As an information furnisher, you are required under Section 605B of the FCRA to cease furnishing information about fraudulent accounts to any Credit Reporting Agency ( CRA ) upon receipt of an Identity Theft Report. This includes ensuring the inaccurate information is not sold or transferred to another party for collection. 

Please investigate this matter promptly, close the account, absolve me of all charges, and take all appropriate steps as required by the FCRA. I kindly request that you send me a written confirmation of your findings and the actions taken. 

Thank you for your prompt attention to this matter. Should you require additional information, I can be reached at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, Mobiloans has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through XXXX, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> DEPT OF ED XX/XX/year> DEPT OF ED XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to TransUnion requesting the removal of adverse accounts and hard inquiries from my credit file due to their relation to XXXX XXXX. I also provided all the required documentation, including a XXXX  Victim Determination Document, as outlined under the relevant provisions of the Fair Credit Reporting Act ( FCRA ). 
However, on XX/XX/XXXX, I received an email from TransUnion claiming that they did not receive an acceptable XXXX  Victim Determination Document. This assertion is inaccurate as I had included all necessary and complete documentation with my dispute. 
As a survivor of XXXX XXXX, I am entitled to have these items removed from my credit report within four business days of TransUnion receiving my dispute and supporting documents. The accounts and inquiries listed below were a direct result of the XXXX  incident and should be promptly removed : Adverse Accounts XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX Hard Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 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

Amount : {$440.00} Date : XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 12 CFR 1016.1 Purpose and scope governs the treatment of nonpublic personal information about consumers by the financial intuitions. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX, and Transunion DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, and Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Transunion are not and has not maintained reasonable procedures. This is in complete violation of the Privacy Act of 1974 and a direct display of willful noncompliance per 15 U.S. Code 1681n. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.
Product: Mortgage

MY LONECARE, LLC This company has failed to assign money we sent for escrow and has charged us two months at the incorrect price. 
We've called both months and we were told the 1st month that escrow would be applied and our payment would be {$1500.00}. 
Then we called last month and we asked for the escrow amount, which was sent with the coupon sent we received from the company the mail, to be refunded to us because that extra amount was fraudulently charged sinxe the departments didn't enter our money properly. 
We have since spoken to 3 people, 1 manager, 1 case elevations person- still the money is in our principle account and not the escrow we allotted it to. 
The company says we now have a deficit and we owe. On top of the incorrect amount being taken 2 months and about to be a 3rd. 
{$180.00} was supposed to be refunded to us- we emailed a dep to treatment and got a code for the refund to go to come to us in a check. 
We called and they've again told us they have no money in the escrow and thereby have no money to return to us. 
We did not give permission for the {$1600.00} to be charged in the month of XXXX and XXXX. We gave permission as of XX/XX/XXXX {$1500.00} to be auto-drafted for our new monthly principle. 
With our escrow paid in full- as we sent a check and have a copy of the memo line alotting it for escrow ONLY.