23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive submitted several disputes as well as info needed to confirm that the creditor XXXX  XXXX  XXXX XXXX  XXXX  on my credit profile hasnt been fully verified and validated as accurate. I have been a victim of identity theft and have been trying to clean up all errors and fraudulent activity on All three credit bureaus have received the same information as of XX/XX/21 Transunion has taken the necessary steps of deleting the fraudulent and erroneous information. XXXX and XXXX are the two bureaus that are making this difficult and arent lifting a finger outside of their electronic system to confirm the validity of the information being reported by XXXX XXXX {$500.00} on my reports. Nationwide collections on behalf of XXXX XXXX {$450.00}, As well as an erroneous bankruptcy that is being reported. They have failed to fully verify the information and remove. 

They hide behind their electronic systems and they need to actually work on behalf of the consumer who files the disputes and assist them with correcting the errors. We work hard to assure we have a strong credit history and should be safe guarded from these mistakes.
Product: Debt collection

Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.
Product: Credit reporting, credit repair services, 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 any item 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My monthly mortgage statement shows " Outstanding payments, fees, and charges '' of {$15.00}. I tried to pay this {$15.00} in each of my XXXX and XXXX payments. I clearly wrote on each XXXX and XXXX payment coupon " Outstanding fees '' and " XXXX ''. However, Bank of America did not apply the {$15.00} to outstanding fees, as shown in the XXXX and XXXX billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Product: Credit reporting or other personal consumer reports

I have reviewed my XXXX & XXXX XXXX  no report which is where I noticed a unauthorized account and I see it as fraudulent & demand it be removed immediately.
Product: Mortgage

My mortgage is $XXXX and was transferred to Select Portfolio Servicing, Inc @ 8 months ago. I always split my mortgage into 2 payments $XXXX.I kept receiving calls from them and did not understand why! Customer service said 1/2 of my payment was returned.For the month of XX/XX/XXXX, I have attached copies of my payments paid by XXXX XXXX, including statements circled and showing my payments deducted. I reached out to XXXX XXXX and was informed that my payment did not return. Which I already knew because the funds were deducted. XXXX at XXXX , and I both reached out to the bank returns processing department and they also verified that the check did not return and I have attached copies of checks.Select Portfolio said the last check dated XX/XX/2019 was returned by my financial institution  and mailed me a letter stating that they reversed the payment. (Attached)They did not want to accept what I kept saying.Finally I contacted customer service and got some sensible and was told to send copies of XX/XX/XXXX payments and statements. (Attached)The last call I received was XX/XX/XXXX.  Select Portfolio have not fixed the mistake they made and I've been calling everyday. My mortgage is still outstanding. My credit report has Been notified that I'm passes 30 days late and my credit score has decreased.Today is XX/XX/XXXX. Select Portfolio have not fixed my account.  They have requested my proof twice and I have faxed it over but everytime I call, I get the same bull. We are waiting for the credit department to fix it. I am awfully upset and already tired of this call center and plan to refinance soon as they fix my account. I want away from this place as fast as possible. Everybody working but no one know what's going on.I have enclosed copies of my mortgage payments for XX/XX/XXXX.$XXXXcleared XX/XX/XXXX (see statement)$XXXX cleared XX/XX/XXXX (see statement).Please assist by making this call center, not a real bank, post my payments correctly and accordingly and fix my credit report back immediately.  Its does not take this long to adjust an account. My bank said they have no ideal, why they sent me that letter because they did not return that check and both checks were infact paid and there has been a mistake on their part. Somehow somewhere, someone has my $XXXX which was paid by my bank. I gave more than enough time for the cashier department to fix it especially after they said they received all the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security XXXX Dear Equifax, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 


Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

Head Mercantile Co. also known as the SOS Group and other names, has been violating my rights over and over again regarding this fraud account for years. When I asked for validation of the debt, they sent a deceptive statement that they created. They have continued to violate my privacy.
Product: Mortgage

On Friday, XX/XX/2022, I received a letter from Entrust Funding, LLC ( see attached ). As indicated in the letter, by refinancing my mortgage at a rate of 2.25 % for thirty years, I would be able to lower my monthly payment to {$1500.00} ( from {$1700.00} ), and thus receive annual savings of {$6600.00}. 

Since my current mortgage rate is 3.25 %, I contacted the EnTrust Customer Support Representative XXXX XXXX XXXX to find out how I could take advantage of the offer. XXXX told me that the offer was for an XXXX  loan and that I would need to purchase Mortgage Insurance amounting to approximately {$200.00} per month. If I agreed to purchase such insurance, the benefit of refinancing would disappear since the total new payment ( mortgage + mortgage insurance = {$1700.00} ) would be approximately equal to my current payment of {$1700.00} per month. 

I told XXXX the letter received from Entrust was misleading ( bait and switch ), and I was not interested in pursuing the matter any further. After I hung up, I received a phone message from a XXXX XXXX XXXX (? ) ( XXXX ) who claimed to be an EnTrust VP. When I called back, I couldn't reach XXXX XXXX. 

I am making this complaint because I feel the EnTrust letter was misleading and that the offer made was not serious. The only possible harm I have suffered is the possible hit on my Credit Score due to the credit inquiry made by EnTrust. Also, given the shady nature of the EnTrust offer, I am somewhat worried because I provided my SSN and my wife 's SSN to EnTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I was contacted by XXXX at XXXX XXXX ( XXXX XXXX XXXX ) regarding an inquiry I submitted regarding a used vehicle. She offered to submit a pre-qualification for me. I provided her my personal information over the phone. I asked if this would be a hard credit pull and she replied it would not be. 

On XX/XX/2023, I discovered a hard credit pull on my Equifax credit report from XXXX XXXX XXXX in XXXX XXXX TX with the same business address as XXXX XXXX. I called XXXX at XXXX MT and asked for clarification. She emphatically denied the credit report was a hard inquiry. I reiterated that I did not consent to that nor was my consent requested to do so. I was told she would ask her manager and call me back. I sent a text message to her business line with a screenshot of the inquiry and a request to remove it from my report. She declined my request and told me to dispute it instead. 

After using the keyword stop to unsubscribe to the business messages, she proceeded to text message me from a different number to reiterate the refusal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX XXXX XXXX has or obtain and committed fraud by running or running an Inquiries with out my consent as on XX/XX/18 on my Equifax report with out my permission as well I have not ask or requested any credit from this company or sign any document to obtain credit.I 'm also filing with the department of justice on XXXX XXXX : XXXX XXXX XXXX and Equifax with the department of justice to why my credit is effeted by Equifax/XXXX XXXX : XXXX XXXX XXXX Will also be filing a law suit on this company and Equifax for fraud
Product: Debt collection

multiple calls by paypal to collect a debt that has been overcharged.7 calls on sunday XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I already informed cash apps that im a victim of Identity theft and I want to close my account to them. Ftc /fbi /police department informed me to close all my savings and checking and anything that involved with the love scammed I had. I got 1099B from Irs sales that im not involved. Up to now since XX/XX/2021, Cash apps is giving me hard time closing my accounts with them. I already give then ftc info but still now my account still open and the 1099B sales dont know what to do, I informed Irs for fraud transactions with this from cash apps.even XXXX charging me which i disputed.
Product: Credit card

I applied in good faith for the Product LOWES COMMERCIAL. After application had been summited received a denial notice. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the Synchrony Bank and or/ Lowe 's Home Centers , LLC Prospectus, 10-K Form,8-K From and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter in the private respectfully.
Product: Debt collection

agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX mailed a written debt validation letter to portfolio recovery associates due to the company reporting inaccurate and unverifiable information to the 3 credit bureaus ( XXXX, XXXX, XXXX  ). 
Portfolio Recovery Associates responded to my request for validation with a bill. They did not respond with verifiable documents which I requested including an original contract with a signature, etc. 
Im requesting that this unverifiable debt be removed from all 3 credit reports immediately. 
Attached are documents provided from Portfolio Recovery Associates upon my request for verifiable documents. 
This bill does not verify the debt.
Product: Debt collection

I recently looked at an copy of my credit report and noticed that there was fradulent accounts on my report. Can you please remove the accounts they are hendering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this alleged XXXX account with Convergent Outsourcing on a few separate occasions. All that was sent to me was a copy of a final bill. This does not prove anything regarding the validity of this debt per the FCRA and FDCPA. I have sent numerous letters and the company will not respond. 
The information across XXXX and XXXX vastly differs in certain areas like the date of last activity, status, date reported, etc. 
I provided undeniable evidence to the company who has not responded and refuses to correct the mistakes.
Product: Credit reporting or other personal consumer reports

I want this account removed from my credit report - XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 a 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXXXXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : 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
Product: Money transfer, virtual currency, or money service

I attempted to transfer funds from my Swiss bank account ( in the amount of XXXX Swiss Francs ( CHF ) ) to my XXXX bank account ( XXXX XXXX XXXX using the " Wise '' money transfer service on XX/XX/2022. However, Wise ( or its partner bank/intermediary bank in the USA, XXXX XXXX XXXX appears to have either lost or stolen my money. For over XXXX months now ( since XX/XX/2022 ), Wise has not been able to track my money nor to refund it, despite countless e-mails to their customer service department and hours spent on the phone with my bank ( XXXX XXXX ) in the USA, as well as with Wise. Wise customer service has been shockingly and unacceptably incompetent and unhelpful. Essentially, they have not been willing or able to find or return my money. I have even suspected possible fraud ( though I'm not sure ). Finally, on XX/XX/XXXX, Wise admitted they could not trace the funds and offered to initiate a recall of funds ( which i had previously requested but they ignored my request. ) I asked how long it would take for me to get my money back and what the process is and heard nothing back. So I desperately wrote again & pleaded for a response and was, unfortunately told by Wise that, " no estimation or timeline we can provide for re-call, as it's outside our control ''. 

This appalling situation and unprofessional, unethical practice on the part of Wise has caused my family and me undue, prolonged and extreme stress. I never want any other customer or human being to endure what I have suffered at the hands of Wise. I also believe Wise should not be allowed to operate as a money transfer company if they are going to lose people 's money and fail to provide adequate redress and customer service. 

Please see attached document for details of my correspondence with Wise. 

Thank you in advance for your guidance and support.
Product: Debt collection

Identity Theft Cell Phone Fraud Impersonating bank representatives Fraud Dept/Checking/Savings/Auto Claim XXXX XXXX XXXX and associates XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 


TransUnion : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00}