23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a " validation of debt '' request via a recorded phone call to XXXX to " Cedars Business Services '' on XX/XX/XXXX at XXXXXXXX XXXX  PT. I called after receiving an email from " Cedars Business Services '' on XX/XX/XXXX about a debt from XXXX I did not recognize. This call was recorded, and I was told that this debt would be placed on " hold '' and I would receive validation of debt via email. I NEVER received the validation of debt. Per California consumer protection laws, this validation of debt had to be provided within five ( 5 ) days. On XX/XX/XXXX 100+ days from the initial validation of debt request that was never sent to me I received an email alert from XXXX that my credit score had been affected by debt collection. Furious, I called another phone number registered to " Cedars Business Services '' at XXXX at XXXX XXXX  PT and asked why I had not received the validation of debt within the required timeframe and " Cedars Business Services '' had illegally submitted debt collection to my credit report. I received no clear answer. Once again, this call was recorded. This is well past the five ( 5 ) day legal requirement of validation of debt. Upon requesting the validation of debt once again, I still have not received it. As the laws indicate, " Cedars Business Services '' has violated consumer protections for two reasons : 1 ) Upon initial request on XX/XX/XXXX, they did not send the validation of debt within five ( 5 ) days ; 2 ) As mentioned in a recorded call with a representative of " Cedars Business Services '' on the aforementioned date of XX/XX/XXXX, the organization at " Cedars Business Services '' had illegally put debt collection on my credit report despite never sending validation of debt as promised over email.
Product: Debt collection

XXXX days ago, I found XXXX  accounts for collection on my credit reports I have no knowledge about. 
I contacted the Company that listed these accounts on my credit reports, LVNV FUNDING LLC. 
XXXX claims that I opened an account with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX of XXXX and that I owe {$440.00} XXXX also claims that I opened an account with XXXX  XXXX XXXX  XXXX XXXX  on XX/XX/XXXX of XXXX and that I owe {$620.00}. 
This information is false. 
I opened an account with XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX which was closed on XX/XX/XXXX of XXXX with a XXXX balance, XXXX past due and a credit limit of {$300.00} Records also reflect this account was later purchased by another lender.
Product: Credit card

I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
Product: Debt collection

The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by PORTFOLIO RECOVERY ASSOCIATESs actions. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. I need you to take this matter seriously, and send me a response. My email is XXXX, and my phone is XXXX XXXX XXXX XXXX. 

Accounts information : Account 1 : Portfolio RC ( original creditor : XXXX XXXX  ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$910.00}. 

Account 2 : Portfolio RC ( original creditor : XXXX XXXX XXXX ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$2000.00}. 

Portfolio Recovery XXXX, XXXX is acting against the consumers right. They are re-agins the mentioned accounts, they are reporting discrepancies across bureaus. They are being unfair and negligent. 

I have attached some documents for the company. Please send it to them. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I contacted US Bank and told them there was an error on my XXXX credit report - US Bank showed an account ending in XXXX with a balance of {$270000.00} ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of {$270000.00} - XXXX - ending account number is XXXX - they have not removed this balance which shows I have {$270000.00} more in mortgage payments than I actually have ; they are doing this because I have my current mortgage with them and the additional amount on my credit report is making it difficult to refinance with someone else at a lower rate -they need to get this account off my credit report and show a {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.
Product: Mortgage

I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number:XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are the products of fraud and were not authorized : I have previously disputed however I have yet to receive documentation verifying that I in fact authorized these inquiries. 


XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion
Product: Credit card

I would like to file a complaint about a representative I spoke with while trying to get help during a financial hardship. I was nervous to call because I am behind on payments. I explained my situation. I told the rep " I went through a messy divorce this past year and I 'm trying to get back on top of my bills. '' The representative seemed sympathetic at first but then said, I do n't know if I should congratulate you. What type of response is that? This made me extremely emotional and I could barely speak to get through the rest of the call. No, I do n't want a congratulations. I am left broke with a XXXX-year-old little girl. I am willing to pay towards my balance, however, the representative had XXXX personality and did very little to offer any help. I ended the call in complete tears.
Product: Debt collection

I received a letter on XX/XX/2023 dated XXXX XXXX informing me of an alleged debt from Phoenix Financial Services. I mailed a letter requesting debt validation including any HIPPA release they received from the EMP of XXXX XXXX XXXX. In that letter I included a cease and desist of all telephone communications and that all communications be done in writing. They received my request on XXXX XXXX via certified XXXX mail. 
I received a letter XX/XX/2023 from Phoenix Financial Services that did not have any of the information I specifically requested and have a right to by law. I sent a second letter requesting this information via certified mail, they received it XX/XX/2023. As of today, I have not received any other letters from them and since it is past the 30 day response window I have recorded this debt unvalidated. 

I received a text message from them today XX/XX/2023 with links to their site. Which I will not click on due to the fact I have sent them a cease and desist of electronic communications. This is also now considered harassment.
Product: Checking or savings account

On XX/XX/year> I called First Financial Bank to ask them to put a travel alert on my debit card as I am traveling in XXXX. They asked my social security number, which I provided. They asked for recent transactions, which I provided successfully. Then they said they needed to send a code to my phone. My phone number is XXXX. This is the number that is confirmed as my number at the bank ( the person on the phone verified that number was associated with the account ). I was calling from that number as well. Then she told me I could not access my account because their 3rd party provider could not send me the code to my number XXXX which is my cell phone that has been listed for years on the account. I escalated twice and each time the First Financial representative said that there was no way that they could even put a travel alert on my account because their 3rd party system could not send me a text. I offered to tell them every single transaction, my social security number again, for them to actually call me back on my phone number, but they told me that there was absolutely no way to access my account since their 3rd party service could not send me a text. I am VERY concerned because now I can not call to access my account. What if I had lost my phone? Shouldn't there be some other way to confirm identity? I am filing this complaint because First Financial Bank is breaking consumer protection laws by not giving me access to my account via mobile call. I can access it online but when I call they say that they can not do anything because their 3rd party system could not send me a text. After over 30 minutes on the phone with them on an international call, they told me to hold while talking to a supervisor and they hung up on me and never called me back. Completely unprofessional. Please advise on how I can get access to my account when I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dispute the account with XXXX several times with equifax and they refuse to remove the account eventhough XXXX sent letter that they would cease collection and account has been removed From XXXX AND XXXX please aid in having them remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30  days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly
Product: Credit card or prepaid card

I have been targeted by SunTrust and have been put through extraneous procedures when trying to open basic checking accounts. I have been a customer since 2012 and have had a credit card in good status since 2012. I just requested a replacement card and have been using it when they sent a notice that they were closing the account for inactive use. This is not true as I had recent activity on the account. SunTrust also froze a checking account of mine for no apparent reason when in fact I had a previous account with them for several years and they have all my identifying information on file. I believe Suntrust has flagged my information within their system and are systematically denying me access to their products. Also I have suspicions on where the bias is coming from ( based on the person whom viewed my XXXX profile a few years back when I opened a vehicle loan being acquaintances of an ex-friend ). It is unfortunate that SunTrust would allow these type of practices to be practiced within their organization but am surprised they would fabricate that the account is inactive when in fact I was using it to close my account.
Product: Checking or savings account

I attempted to close my saving account 3 months ago. At the time, was told that I needed to first drop it to a XXXX balance and the account would be closed. I transferred out the XXXX on XX/XX/18 to XXXX the balance. I then went back to close the account on the XXXX, XXXX, and XXXX but the system would not allow it although I very clearly had a XXXX balance. Last night I was charged a {$12.00} fee, 3 days before the other fees were assessed and called in to rectify. I was told by the agent that I now had a negative balance of {$12.00} and would need to get that to XXXX before I could close the account. I asked to reverse the fee to which he said he can not due to the fact that I do not have a relationship beyond the savings account. It should be noted that I also have a XXXX mortgage with this once decent bank. 

Note - This was originally an employee account which allowed for no fees on savings regardless of balance. When I left XXXX, I was never provided a disclosure, electronic or otherwise, of a change in fee structure.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. 

XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX Drive now, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.