23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, Portfolio Recovery Services, calls my business line, which is a videophone, several times a week. This has been ongoing for a while. They never leave a message and the videophone, which goes through a relay interpreter, never rings. I can not block the number because they change it to a different number each time they call ( same caller ID ). A XXXX search shows they are a debt collection agency. I do not have any debts that are in arrears, especially nothing tied to my employer 's phone number. The repeated calls without any ability to answer, find out why they are calling this number, who they need to speak to, or tell them to stop eat into my daily productivity, as well as clog up the Video Relay Service interpreters who have to answer these calls, prepared to interpret them. It's abusive and excessive, and I'm completely in the dark with what their issue is that they need to call my work number so excessively.
Product: Bank account or service

I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a victim of identity theft years ago that has since been handled. I made police reports and several accts were investigated and removed from my credit report. This last acct is for an ambulance ride in Florida i did not take. I have disputed this acct several times but they refuse to remove it. I was not even a resident of Florida at this time.
Product: Money transfer, virtual currency, or money service

I have submitted a fruadulent/scam claim to FTC report XXXX XXXX. Please see attached what I have submitted. I was scammed out of {$11000.00}. Please direct me on what can be done to recovered the funds I have lost. Thank you!
Product: Credit reporting or other personal consumer reports

I would like to dispute these account on my credit report. 

TransUnion : XXXX Account XXXX : XXXX {$12000.00} XX/XX/year>
Product: Checking or savings account

Scam call ( s ) from ( XXXX ) XXXX. When I answer phone call from this number, its informing me that I had a transaction that they were checking on. Then, when I informed them that they had the wrong number and I don't have a bank account under PNC bank they asked me for my bank and I told them it was none of their business. They then told XXXX XXXX XXXX XXXX XXXX XXXX ''. Please use the phone number to crack the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.
Product: Credit reporting

I am contacting your agency because I have sent Equifax letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX. Please help me in getting Equifax to remove these liens from my credit file.
Product: Money transfer, virtual currency, or money service

I received an email stating that my assets had be sold on the Robinhood platform. Since I did not sell any assets or authorize any sales, I immediately tried to reach out to Robinhood. I was assured that even though my assets had been liquidated, the funds from the sales were still there. So, at this point, my intent was to close out my account on Robinhood and have my proceeds sent to me. However, Robinhood has put a restriction on my account. This has prevented me from doing any buying, selling, transferring of funds, etc. I have tried repeatedly to get this resolved but it's damn near impossible to reach a person with Robinhood and when I do, I am being told that the Restriction would be in place indefinitely, which is not acceptable. This is money that I invested from my personal bank account, and it has grown over time to be what it is today. My complaint is that Robinhood is holding on to my funds and won't even let me close out the account and have my proceeds sent to me. 
Once I can get this resolved, I am done with Robinhood as an investment option.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue concerning incorrect information on my credit report, specifically regarding my interactions with Experian. On XX/XX/XXXX, I contacted Experian about the following inaccurate information on my credit report, and as of today, they have not responded. I am providing the details of the erroneous accounts and the necessary corrections : The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} Please remove this account from my credit report.
Product: Debt collection

LVNV FUNDING LLC illegally trying to collect and is furnishing false items that violates my consumer rights and FDCPA and FDCRA. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, 15 USC {$1600.00} and as amended by adding the following new Title 8 US {$800.00} et seq., and the Fair Credit Billing Act, 15 USC. {$1600.00} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act Defamation of Character - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid and all collection of this alleged account be stopped I never receive proper validation showing legal ownership Date of original charge off or delinquency : Amount paid if debt was purchased : attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original forms for my own judges inspection should there be a trial to contest these matters. 
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. Verified specifically, name ( s ) of person ( s ) assignd as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. Provide verification from the stated creditor that you are authorized to act for them. 
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

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

I reached out to both Transunion and XXXX to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : Transunion : XXXX , XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  XX/XX/XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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The following are inquiries from XXXX that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes of disputes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.
Product: Credit card or prepaid card

I had a Discover Miles account, final number XXXX, which was closed on XX/XX/2019 because it was included in BK. The BK case was discharged on XX/XX/2019. The account has been fully discharged. In XX/XX/2019, with the account terminated and discharged completed I received a refund from XXXX on XX/XX/2019 in the amount of {$120.00}. Now with the account closed I need to receive the refund from XXXX which is rightfully mine. I have tried all channels of communication, and I am not getting Bank cooperation on this topic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to fix this with the credit bureau, but have not got any where with XXXX, or Transunion, XXXX. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS TRANSUION : Account nameXXXX XXXX  Account numbeXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account XXXX  Account nameXXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Inquiries XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Debt collection

Continued to report on my credit report a debt that is not mine.
Product: Debt collection

XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$3800.00} XXXX XXXXXXXX Charge-off {$1400.00} XXXX XXXXXXXX Collection {$270.00} XXXX XXXXXXXX Charge-off {$210.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Experian XXXX and their false and misleading television advertising. 

In their television ads, they claim they will gather information on recurring payments made to utilities and entertainment providers. 

One example they site is XXXX. I pay for XXXX every month for years, and Experian XXXX refuses to include XXXX in my XXXX  Report and resulting Credit Score. 

I have contacted Experian XXXX  numerous times in writing over this omission and the fact that they advertise extensively that they WILL ADD XXXX payments to my XXXX  Report and subsequent XXXX  Credit Score. 

This advertising is a LIE, it is FALSE and MISLEADING, and they know it is false and misleading and yet still continue to advertise that they include payments to XXXX in their Experian XXXX  product. 

Nothing has worked to get Experian 's attention and get them to fix whatever the problem might be. I have even submitted copies of my bank statements to them showing the payments to XXXX and still, they do nothing. 

Experian needs to be held accountable by the CFPB and the FTC for their bad behavior and completely unresponsive customer support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 
15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )