23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting call after call after call from Portfolio Recovery, each time from a different number. I do not owe any debts. My home is paid for, my cars are paid for, and I pay off the balance on my credit every few weeks. I don't know what these scammers are trying to pull, but they have called my cell 15 times since XX/XX/XXXX, ( today is the XXXX ). 

I understand you already been ordered this company years ago to back off their scam tactics, but obviously, they have not listened. I would appreciate it if you would remind them, and stop them from harassing me.
Product: Mortgage

I am trying to save my house from forclosure and have been mislead by my mortgage company since XX/XX/XXXX. I completed all paper work and was accepted by loss mitigation department, received a forbearance plan and made all my payments and was told that I was doing everything right paper work was already back from under writers in XX/XX/XXXX and once I made my final payment in XXXX the paper work would be sent out to sign the restructure of the loan and begin my account out of foreclosure. I then check back in XXXX and was told due to covid things were running behind. I made another payment as they requested. I called back in XXXX and they said they would request an update and made another payment and was told they would have someone review. I got a call back and was told all my paper work was ready to come out to me and sign would be with me in 7-10 days. I did not receive this paper and called back again made another payment and was told they would check into this. I then received a call back saying I had to fill out the packet again and send in and then a decision would be made. I completed all this paper work but have received paper work from an attorney that this was now in foreclosure. I called back today to the company and stated everything I was told was noted on the account and was mislead and stated I was going to be looking into an attorney and if calls were pulled they would show I was greatly mislead by the company not just by 1 or 2 but by 8 to 10 people and now my house is in danger. She even stated today that they wouldn't even need to pull the calls as everything I have said was notated on the account and they messed up big time and action would be taken with those employees.
Product: Debt collection

This debt was payed with XXXX as a deal to sign up for service and they would get rid of old debt. I have had service with XXXX since this debt. How could I have service if I owe them.This was years ago. Keeps getting sold to collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

This concerns my Safe Deposit box. On XX/XX/XXXX I went to Citizens Bank to access my safe deposit box. I was told it was in either XXXX or XXXX. A year or so ago I received a letter stating that due to remodeling, the safe deposit boxes were going to be off-site. I believed this was temporary. I never dreamed it was permanent. I requested that it be sent back to the bank for me to access. I wrote to the CFPB the next day. Unfortunately I mailed it to an old address, so when it came back 10 days later ; I re-mailed it to you. I checked weekly to ask where it was, just to be told it may take two weeks or so. Just today ( XXXX XXXX ) I stopped in and they apologized, saying they had talked to someone but were awaiting an E-mail stating that it was sent but hadn't gotten one yet. One month. I then told them that when it comes in, my wife ( who is co-owner ) would stop in with the key. They said no key was needed, it would be sent in a secure bag. It was ONLY THEN that I realized that they had access to the contents without me being there! I actually though that they were going to send the box up to the bank for us to access. What is the point of a safe deposit box that is accessed by other than the key holder? Just wanted to send an update.
Product: Debt collection

I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Checking or savings account

I had my SoFi money account hacked on XX/XX/2021. They got into my account, changed my primary email, password, and phone number. Once I checked my account that day and saw the fraudulent charges and transfers, I immediately filed disputes for all fraudulent charges and transfers that had been taken out up to that point. I also instructed the customer service team to freeze/restrict my account so no further damage could be done and no more money could be stolen. I was instructed to call back to file the rest of the disputes the next day on XX/XX/XXXX because they couldnt file disputes while charges were still pending. I woke up the next morning to another {$5600.00} taken from my account. SoFi did not freeze/restrict my account as I instructed which allowed more money to be stolen. By that time the hackers had stolen {$10000.00} in funds from my SoFi money account. I filed a police report for felony grand larceny on the XXXX when I was able to show evidence of all fraudulent transactions to the police. I then sent the police report to the fraud department at SoFi. After over two weeks of zero contact from them via phone or email despite my many calls and emails to them, they denied all disputes saying they see no evidence of errors. Every person I spoke to from the customer service department said its very evident its fraud but that decision is up to the security/fraud department . And now my account is frozen while they investigate. Which means I have no access to the remaining funds in my SoFi money account. I have done everything humanly possible to demonstrate this is fraud at a high level and SoFi still denied my fraud claims. They tout their platform as very safe and zero fraud liability for their customers. Which is the exact opposite of my experience with them. My life savings was stolen from me and they are doing nothing to help me as a SoFi customer. I want this investigated and I want everyone to know how awful SoFi is.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan has discriminated against a protected class in an effort to deny anyone who has applied for more than 5 credit cards in 24 months Citing debt to income too many accounts any reason they feel they can discriminate against me with. 

Company failed to investigate XXXX and is using XXXX for massive amounts of fraud
Product: Credit reporting or other personal consumer reports

The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

I applied for my XXXX XXXX XXXX XXXX I received a response from XXXX that I had already received my credit report in the last 12 months. That is a false statement. XXXX stated I needed to provide proof of my address. Yet they sent the notice to that address. My address does not prove my identity which is why when you complete the request you provide name, birth date and social security number and address. 

The credit bureaus already have all the information and all that needs to be done is to verify my identity. They are refusing to provide MY credit report. 

I have also tried calling, but I just end up getting shuffled around a call tree with no results.
Product: Credit reporting or other personal consumer reports

I have written to this company on the following dates '' XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX '' about some erroneous information that appears on my credit report. However, their lack of response indicates that they do not consider this matter to be of sufficient importance. These negative items that should not even be on my credit report have caused me so much tension over the past few months, yet this company does not appear to be responding to my request, which is a violation of my consumer rights. Documentation is being gathered in its entirety as evidentiary support in anticipation of my legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditor explain to them this is not my account my information was missed used and stolen
Product: Bank account or service

I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.
Product: Credit card or prepaid card

My capital one credit card got hacked and been using purchased with gift card since XXXX to XX/XX/XXXX. Such as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. Someone have access to my account and trying to make payment to the credit card, and the payment failed the capital one company and the payment is been return. The payment account are not under my name and I dont know these account either. Now my credit debit is XXXX dollar with capital one platinum credit card. My credit limit is only XXXX I dont know how does it go up to XXXX amount.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA mandates that Equifax investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for your reference.

Please acknowledge receipt of this dispute and provide a written response outlining the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states i have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Robinhood has recently added a link debit card feature for instant transfers in/out of the account. Ive tried out the service, which only allows you to link 1 debit card at a time, with 2 separate cards. Now that Im attempting to add another card, Im getting an error that the maximum amount of cards have been linked, please use a card youve already verified. 

When I first chatted with support, I was told its an ongoing problem that multiple customers are facing, and theyre working on the issue - theres no time frame for when it will be resolved. 

Almost a week later, I called support and the agent XXXX told me that theres a maximum limit of 2 debit cards linked to Robinhood for the lifetime of the account. This is the opposite of what the first agent told me, and doesnt make sense, as Robinhood did not disclose any limit before/during the process of linking a card. I requested for XXXX to transfer me to a supervisor but she refused and stated she would escalate. I still havent heard anything from a supervisor or manager.

Robinhood consistently has terrible customer service with opposite responses between level one support agents. They make it nearly impossible to get in touch with higher level management because they seem to lack internal transfers in their phone system. 

I need real clarification from a supervisor/manager regarding this limit for debit cards. If the 2 card limit is true, I need both previous cards to be removed from my account so I can add my new preferred card ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that I am complaining is already paid and yet it is not updated to current. Also the payment remarks that they place are disputable and inaccurate. I also have a lot of inquiries that were pulled without my permission. Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Debt collection

I have received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.
Product: Mortgage

I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.