23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is information is fraud and not correct i want to remove from my credit report
Product: Debt collection

Resurgent Capital Services and LVNV Funding LLC have contacted me stating that I owe {$4000.00} to XXXX XXXX XXXX. with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - XXXX on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been current and on time with my payments. I was layed off due to covid 19 and my childrens schools were shut down. I had one late payment in XX/XX/2021. I tried SEVERAL times to have a deferment for that one payment and asked for it to be removed since I otherwise have an exceptional payment history. I have a right to have that taken care of due to the section 4021 of the cares act and the pandemic. I want that late payment removed from all 3 bureaus.
Product: Debt collection

Midland credit management has called me repeatedly and I told them to stop calling me by telephone and requested all original documentation for said debt. They told me they have a right to email it and not send it through the mail. Also the amount that they are saying I am in debt I cant find anything that matches that amount so I requested the original copies of contracts with my original signature, they have denied sending me any of these items. They have also stated that this will go on my credit and that they will take me to court and get the debt settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.
Product: Mortgage

1. I have been going back and forth with my mortgage company ( PHH Mortgage ) regarding a loan modification. 
2. PHH have said I did not pay XX/XX/2019 and XX/XX/2019 mortgage payments. 
3. They did not listen to the phone recorded conversation with XXXX XXXX XXXX about being able to send in the loan payment if I received the approved loan form after the due date. 

4. PHH claimed they made a phone call to me on XX/XX/2019 regarding the loan modification and they did NOT! 

5. Currently, due to the coronavirus, I was told today that I may be  laid off of work until things pick back up. 

I faxed them a copy of my bank statements on XX/XX/2019 showing proof of payment along with the loan modification application, income documents and debts. 

Due to months of going back and forth, so much time has passed that PHH is not considering me for a loan modification.

If PHH would have reviewed the loan modification documents I sent in they would have seen those payments they claimed were missed were paid. 

If they would listen to the recorded phone conversation between XXXX and myself they would heard that I asked if I would be able to submit the payment after the due date since the form was sent to me late. 

Payments from XXXX until present were not made due to PHH was not accepting payments from me for the loan modificatio. This is no fault of mine for PHH mortgage not to accept my payments that has now caused me to be at a negative NPV for all the months that has passed. PHH is the caused of me being at a negative NPV for not accepting my payments towards the loan modification that I was approved for.
Product: Checking or savings account

I've been a CapitalOne customer for 10+ years, currently having 6 different accounts with them ( checking, savings, CD, credit card, etc ). I've tried to open an additional Savings Account ( Performance Savings ) with them on XX/XX/XXXX using their online banking interface. As a step in that process the system asked for me to upload my government ID, for which I uploaded my current drivers license. The system accepted the upload, but later I got a message that I still need to call their customer service to complete the process. Once I called, it was revealed to me that the process of ID verification has failed, and I need to do it again. Customer representative needed to send me a code to my phone number to proceed, but was unable to do so. I have two phone numbers on file with CapitalOne, and neither worked. One of the numbers is a virtual phone line ( XXXX XXXX ), which indeed doesn't work sometimes with some services. But the second line is a legitimate cellular number in my name, yet they were unable to send the code and at that point it was too much hustle to continue so I aborted the request. 

Scrolling forward, on XX/XX/XXXX I decided to try again opening that same type of account with Capital One. This time I tried to use my valid US passport for verification. The system again accepted the upload, but next day I again found a message that it didn't work and I need to call CapitalOne. I also logged into my CapitalOne online account and found that all of my accounts are frozen. I called CapitalOne, and was informed by the customer representative that I my accounts are frozen because I failed ID verification. They sent me a link to upload the ID again, which I did, getting the confirmation screen that the upload was successful. However, representative informed me that my ID verification failed, and they need to send me the authorization code to my number. Basically the same process that I described earlier from XX/XX/XXXX. This process again failed. Representative then suggested they are going to do me a " favor '' and work around the system to unlock my accounts, but the call disconnected and accounts remained locked. 

In summary, CapitalOne utilizes an ID verification system that is extremely unreliable. CapitalOne also utilizes authentication system via SMS messaging that is unreliable. The result is that a customer may end up locked out of their money. I don't have access to my accounts as of right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all XXXX credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

This debt collector has not furnished the appropriate documents stating that the debt collector is owed said debt. I have requested a master purchase agreement from this debt collector showing proof that they have the legal right to go after this said debt. I have also asked for a record of all communication made for or about this debt and have not received anything. This debt collector should scrub any report containing this debt from all reporting agencies until the debt collector can properly prove they own this said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the Department of Education and XXXX  ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX 7 times challenging the accurate, compliant, and factual reporting of these 3 accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,
Product: Credit card or prepaid card

Venmo ( ran by PayPal ) froze my prepaid card. They wouldnt give me a reason as to why only that an account specialist will email me in a 7-10 days. I Explained to multiple customer support specialist and supervisors that this is a prepaid card that I loaded money onto. Its sound illegal to free a card with money on it thats mine. I also told her this card is my livelihood for day to day transactions. How an I suppose to survive with all my money on this card until I get paid in two weeks. Thats how I get to work. They never even called and said the card was frozen. I tried to spend my money and had to put my stuff back Please help.
Product: Payday loan, title loan, or personal loan

They stole {$1000.00}. The sent the money originally to verify the account the used XXXX XXXX to send the money back and then the original deposit rejected. The called themselves freedom plus but they had accents like they were from XXXX or XXXX. They had a XXXX area code.
Product: Debt collection

Evergreen Financial Services has had two different collection accounts with me. I paid one off in late XX/XX/XXXX/early XX/XX/XXXX, during which time I made clear they were not to contact me at work in regards to the second account I had with them. They had my cell phone and I let them know that was the best way to reach me. They've reached out via my cell on 2-3 separate occasions regarding the account I have with them since XX/XX/XXXX. On XX/XX/XXXX, one of my supervisors at work approached me to let me know Evergreen had called them looking for me. Upon taking the phone call, the agent, XXXX XXXX, claimed that " this was the number we had for you '' and that they were calling my employer. I let them know I had never given them permission, that this was a violation of regulations, and that they definitely had my cell phone since they had tried to call me a month earlier. I had also never disclosed this number to them, meaning they had utilized some other resource to find my work number. I informed them they needed to delete that number immediately and I would be filing a complaint.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$5600.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00}XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Approximately XX/XX/XXXX I initiated a transfer from my Fold account which is operated by XXXX XXXX to transfer {$15000.00} from my XXXX XXXX XXXX  to my Fold. 

Fold apparently has a {$15000.00} deposit limit per day and the day that the money was set to clear I also coincidently got paid from a contracting job. 

On XX/XX/XXXX I got a notification that the transfer failed. I didnt know why, contacted support and learned because the total amount that was being transferred in on that day exceeded their {$15000.00} daily limit. ( Pic attached ) I contacted support asking about these funds as my XXXX bank shows this money has cleared, it is not pending. ( Pic attached ) Contacting Fold the informed me it has been sent back and sent me the trace info ( pic attached ). XXXX has no record of this and can not see these traces other than them being complete. 

They then told me that Id have the money by Friday the XXXX and if I didnt get it ; to contact them. 
( Pic attached ) I contacted Fold on the XXXX and havent heard anything. This money has effectively been in limbo now for 2 weeks tomorrow. I need it to pay bills that Ive now gotten late fees for. This is insane to have to wait 14 days and I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX  XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # : XXXX have violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for a charged off account with XXXX XXXX  in the amount of {$3300.00}. When I called XXXX to inquire about this account, verify it, and see how to have it removed from my credit report, I had to speak with three different people. One person said they could not access it because they were in the process of removing the account from their system. The other two people said they could not access it because of the age. They were never able to verify the amount, the activity, or why it was on my report. I filed a dispute through Experian, they conducted a 30 day investigation and all they changed was the status date from XX/XX/XXXX to XX/XX/XXXX. I want to know how they were able to verify anything and why it was not deleted.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX  XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$6100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Barclays Bank Delaware made a hard credit inquiry that appeared on my XXXX report. I did not request an account or card with this bank. Please remove the fraudulent inquiry from all applicable credit bureaus. 

I contacted Barclays, who stated they had received an application for credit. They did not provide information relating to the fraudulent application, but did agree to remove the inquiry from the credit bureaus. I later followed up with Barclays, who now said they have no record of the credit application. It does not appear that any action has been taken. Please remove the fraudulent inquiry from all applicable credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure you deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. Which has led me to have multiple bills I am unable to pay with some acquiring interest on them. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, Thank you.