23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates , LLC is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. PORTFOLIO RECOVERY ASSOCIATES , LLC does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX, and date of XXXX delinquency as XXXX of XXXX. How do I owe PORTFOLIO RECOVERY ASSOCIATES , LLC, when I have never started or completed business with them in any form. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX   XXXX XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting or other personal consumer reports

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. The relentless denial of my identity theft claim has subjected me to prolonged anguish and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on my financial stability and emotional well-being. XXXX XXXX  XXXX XXXX. Please delete these account ASAP.
Product: Debt collection

OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. 

On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the  authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. 

Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.
Product: Debt collection

This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/2022 ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.
Product: Money transfer, virtual currency, or money service

XXXX  XXXX of XXXX at XXXX I received a text message from my wife on XXXX asking me for a favor.She have a Bussines and sometimes ask me to send money to a costumers for products that she needs on her jobs.This time say about {$500.00} to send for XXXX XXXX XXXX ( XXXX ) XXXX.I send by XXXX.Then after asked me : What is your spend limit and I note that something is wrong and called my wife directly.She tell me that her XXXX  account was still from someone just minutes before.So this people moved very fast.I called at my bank and XXXX  claims, but they just respond in a letter that they cant do nothing to help me.So please .I need help about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # 1. ) XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch declined credit with an adverse action notice because of a collection action or judgement that was reported as delinquent past or present credit obligations with others. The action was taken with regards to Equifax Credit report relating to a XXXX XXXX XXXX in XXXX XXXX XXXX loan # XXXX - XXXX. This dispute / complaint is that a fraudulent charge was initiated against loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$20000.00} .00 and has been accruing interest since that date.

Loan # XXXX. This transaction is documented from XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX   containing XXXX XXXX as named printed by. Reporting Institution : 16 Complainant has not initiated any financial activity with XXXX XXXX XXXX since a Debt Settlement Agreement was reached XX/XX/XXXX for loan # XXXX. Authorized Agent for XXXX XXXX XXXX signed this agreement. Part G. ) of this agreement states that " No changes or addenda hereto shall be effective unless done in writing and signed by all parties. '' There has been no such changes which complainant is aware of nor has complainant signed any agreements with XXXX XXXX   since the Debt Settlement on XX/XX/XXXX.

Complaint # 2. ) Equifax Consumer Credit Report RE:XXXX   - dispute XXXX XXXX XXXX charge for loan # XXXX.

1. ) Complainant has not initiated any financial activity with XXXX XXXX XXXX since XX/XX/XXXX.

2. ) Complainant was unaware of this reported XXXX XXXX XXXX charge and would not have found this information out if application for a line of credit from XXXX XXXX XXXX XXXX, XXXX XXXX branch, had not declined credit due to this Equifax report.

Complainant is requesting Equifax remove all negative and fraudulent information contained in report XXXX  related to XXXX XXXX XXXX   loan XXXX be corrected to reflect the reporting error and that all agencies which have requested reports be notified of this action.
Product: Money transfer, virtual currency, or money service

Good Day, Paypal permanently banned my account last XXXX XXXX XXXX I'm using my paypal business account with merchant ID : XXXX for receiving payment from XXXX XXXXXXXX XXXX  and i don't have any disputes in my account and i believe i don't have any violation either. I'm still hoping my account will be restored. Thank you and god bless.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX # XXXX Please verify this account. 
3 XXXX XXXX  # XXXX 4 XXXX  XXXX  # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints against transunion, XXXX, XXXX it's like I am being ignored I made a demand for those credit reporting agencies to remove those improper inquiry and to stop messing around with my score improperly they seem to not care about my financial situation at all
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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  XX/XX/XXXX
Product: Student loan

I co-signed a parent plus loan for my son back when he was attending XXXX Connecticut XXXX University. I agreed to sign two of the initial loans he received, but not the additional 6 other loans that my name was used for. My son went online and used my initials to get the other loans. The issue I have is that I should not have qualified for those additional loans as I was going through a foreclosure on my home at the time. The loan officer person, whom I spoke to at Sallie Mae at the the time, said I could have, " Less than stellar credit '' to sign for them. I didn't have any credit at the time! I couldn't qualify for a loan for my daughter because I didn't have credit at that time ( due to the pending foreclosure ). In additional, I never got a phone call, or warning, making me aware of these additional loans and if I was ok with signing for them. I would have vehemently said " no ''! I have been a single mother living on a low-income for years. However, I have been very responsible with paying for my bills. My son has been trying to pay the loans now, and has been encourage to defer them. Is there anything I can do, at this point, to either reduce the payments or sue Navient?
Product: Credit reporting or other personal consumer reports

I had received a fraud alert from XXXX XXXX. I attempted to call and clear the matter up. I was told my date of birth did not match their records. I filed a complaint through the XXXX about this issue and XXXX XXXX sent a letter to them that there was no fraud found and that they set up a new account on my behalf. They did not call me or send any written correspondence before making this claim.
Product: Debt collection

RE : XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XXXX XXXX, 2019 AND CASHED XX/XX/2019 2019
Product: Credit card

CITI Bank is misusing the customer new credit data when they are issuing. Even though customer is Reported that as Lost of credit card. Because of that Unwanted charges happening on customer credit card. when we call customer service they are explaining and saying we have shared your new card details with merchants .Still it is question to me why Bank will share the New card information with vendors.
Product: Mortgage

They wouldn't accept my payments. Well Fargo kept sending the payments back. My mortgage was to far behind, had to sell my house it was about to go into foreclosure
Product: Mortgage

From XX/XX/XXXX to present day I have been having significant issues with my mortgage company known as Citizens at this time. They were initially Citizens One but now go by Citizens, who are affiliated with Citizen 's Bank and my mortgage company has mailed me several letters with different aliases that I have kept in a personal file. There is also a $ XXXX line of credit or second mortgage that was taken out on my mortgage that I did not authorize or get any notification regarding this. there were 3 amounts of {$9900.00} added on my mortgage account. I've also made many payments that have various 'other ' fees attached to them and when I called Citizens , no one was able to give me an answer or get me in touch with a supervisor or someone in a managing position regarding my payments, missing funds, errors in my escrow account, multiple payments etc. I've been battling with this company for a year now and know there is and has been fraudulent activity taking place. Also, my mortgage company reported me to the Credit Bureau on XX/XX/XXXX when I have a recorded phone call on XX/XX/XXXX stating they wouldn't and paper documents promising they wouldn't for a late payment on XX/XX/XXXX which was caused due to my termination of employment. After they reported me to the Credit Bureau, my credit was significantly damaged by this and in my field of work, good credit is a requirement. This company has not only stolen money from me, put me through financial hardship and emotional distressing/trauma, but they have impacted my career and how I make a living. 

Amounts and dates regarding payments to Citizens- {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX - {$1100.00} paid XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - {$240.00} paid XX/XX/XXXX and XX/XX/XXXX - {$2900.00} paid XX/XX/XXXX - {$2800.00} paid XX/XX/XXXX - {$630.00} paid XX/XX/XXXX - {$990.00} paid XX/XX/XXXX - {$390.00} paid XX/XX/XXXX {$9900.00} x XXXX added to my mortgage account within no authorization from me, the property owner and only person authorized on this account. 

Please help me get justice and stop this company from doing this to me and possibly many others/families.
Product: Mortgage

Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.
Product: Credit reporting or other personal consumer reports

I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( Experian, XXXX, and XXXX ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I provided the credit card company XXXX XXXX  and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXXXXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Product: Checking or savings account

I have noticed an unauthorized charge on my bank account I have reached out multiple times to the US Bank fraud department who mishandled the issue. Finally, I was able to freeze my account at my local branch but the US bank did not stop the funds from going out and never returned the funds back to my account
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am writing in regards of my previous communications regarding the removal of fraudulent items from my credit report. This marks the several formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved and continue to negatively impact my financial standing. These unauthorized activities not only undermine my creditworthiness but also erode my confidence in the accuracy of my credit report. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit report. It is imperative that my credit history accurately reflects my financial behavior and is free from any unauthorized entries. With this, I am asking for your assistance to remove these fraud items in my credit file : DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX DEPT OF ED / XXXX  XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned my home since 2014 and the mortgage has been paid in full. XXXX, Transunion and XXXX is still reporting on my credit report a balance from of XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

I have not received a statement of my account since XX/XX/2019. I have called customer service for help with no results. The problem they say is that they can not verify my phone number. They want me to fax or upload a copy of my phone bill to them for verification of my phone number. I do not have a fax machine nor am I tech savvy enough to upload my paper telephone bill. The credit union has the wrong area code for my account. I have tried to access my account on the internet with the same result. The area code on their web site is wrong and I can not fix it. I telephoned the credit union. The representative hung up on me after a long telephone call because I can not fax or upload my telephone bill. I must assume the last 15 payments were received and properly applied to my account because I have not been contacted for late payments. However, I do not know if the balance of my account is larger or smaller now, than what it was 15 months ago. In addition I have never received payment coupons to make the payments. I have to try and make some kind of coupon hoping and not knowing what is happening with my account.
Product: Payday loan, title loan, personal loan, or advance loan

I got this loan because I couldn't get utility assistance and my water was off. This is why I didn't investigate this loan better. I was told what the 1st four payments would be and the pay off amount. I assumed that since my loan was for {$770.00} and the pay-off amount was under {$900.00} that the payments of around {$97.00} a week would decrease. I found out that the pay-off only applied if I could pay it in a week. I added up the payments and realized I would be paying 300 % interest on this loan. When I called I was told their loans tend to have ever 600 % interest. At what point is this illegal?
Product: Debt collection

IQ Data in XXXX has contacted both my ex wife and one of the executives at my company in order to try to contact me after I blocked their phone number. 

The debt in question is not valid in the first place ( previous landlord trying to get me to pay for damage I did not cause ). And now IQ Data is  contacting my co-workers and family, which is causing personal stress and embarassment. I have proof of their attempts to contact.