23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted three separate time by the Weinberg Mediation Group about a debt that was to be collected. The first phone call was on XX/XX/XXXX ( XX/XX/XXXX ) and stated that there were documents in their office and that I would need to communicate with them in order for them not to report my non-compliance. I felt like I was in actual legal trouble at this point until I researched this company and found out that they are a shady debt collection company. Then two ( 2 ) weeks later on XX/XX/XXXX ( XX/XX/XXXX ) I received another phone call from the same phone number stating that this would be the final courtesy call and that I should contact them so that they will not report my non-compliance in the issue and stating that they will report the non-compliance to the proper jurisdiction. I again ignored this message. And then again last Wednesday XX/XX/XXXX ( XX/XX/XXXX ) I received the same phone call from the same number stating that, again, this would be my final courtesy call before my non-compliance is reported to the proper jurisdiction. These phone calls are very inconsiderate. Many other people may fall victim to these threats because they are vague enough to imply the that are either going to take civil or criminal action against you. They also never revealed that they are a debt collection company. I have included all 3 voicemails left on my phone with dates and time that the messages were left. I have also included the actual messages that have been left by the Weinberg Mediaton Group with a rough transcript of what all was said in the voicemails. All voicemails were received from the same phone number ( XXXX ) XXXX which also shows up on my phone as a New Mexico phone number.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to the unlawful reinsertion of a charge-off account from XXXX XXXX XXXX on my credit report. This account was previously disputed and successfully removed on XX/XX/year>. However, it was reinserted without proper notification or adherence to FCRA requirements. Below are the details of my complaint : Account Information : XXXX XXXX XXXX Account Number : XXXX Violations of the FCRA : FCRA Section 611 ( a ) ( 5 ) ( B ) : Experian failed to notify me in writing within five business days of the reinsertion.

No statement was provided that the account had been reinserted.

Experian did not supply the furnishers contact information.

I was not informed of my right to add a dispute statement.

FCRA Section 623 ( a ) ( 1 ) ( A ) : Experian reported information with knowledge or reasonable grounds to believe it was inaccurate.

FCRA Section 623 ( b ) ( 1 ) : Experian failed to conduct a proper investigation upon receiving notice of my dispute.

FCRA Section 605B : Experian neglected to block fraudulent or unverifiable information promptly upon receiving appropriate documentation, including proof of identity and my previous dispute.

FCRA Section 611 ( a ) ( 1 ) : Experian failed to conduct a reasonable reinvestigation of the disputed account.

The reinsertion of this account has negatively impacted my credit standing and caused undue stress. The lack of transparency and failure to comply with the FCRA has eroded my trust in XXXX reporting practices. 
I request the immediate deletion of the reinserted charge-off account from my Experian credit report. 
I urge the CFPB to take immediate action to ensure Experians compliance with the FCRA and hold them accountable for their violations. Their failure to follow the law has caused significant harm, and I trust the CFPB will address this matter promptly. 
I also want to state clearly that I am acting entirely on my own behalf in this matter and am not employing or contracting with any credit repair company. All actions taken to dispute and resolve this issue are solely my own. 

I have attached the following documents to substantiate my complaint : Copies of prior dispute correspondence. 
Confirmation of the accounts initial deletion. 
Proof of identity and address. 

Thank you for your attention to this complaint.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Family of 3, XXXX XXXX  and XXXX XXXX  hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and XXXX accounts. 
Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards. 
WE froze our bank account, and killed our credit cards. 
So no money was actually taken, it just appeared to shift between our 3 family XXXX accounts. But all our money remained where it should be, since we interrupted the supply!! 
HOWEVER, XXXX has a policy that credit card use with them requires a fee! So even though no funds were moved, and XXXX was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from ACI, LLC on behalf of XXXX for {$75.00} on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There were no changes. Please see attached my disputes for accounts thats not mine.
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 : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Anoter debit correction company harassed me. It wasn't my bills and they stolen my personal information. I never live in Texas also I don't have any family and friends in Texas. I never signed those company. I'm tired of from Texas 's electric company and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Product: Money transfer, virtual currency, or money service

My Coinbase account is " Account Restricted ''. Specifically when I try to buy or sell, the following message comes up : " Account Restricted You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' So around 4 months ago when I found out that I could not buy any cryptocurrency because of this, I sent an email to Support, and got automatic response, then I got a real response that they are looking into it. Then a few months later, I got another response that I had to close my Business Account ( as this was somehow linked to my personal coinbase account ). I did this and answered and this was several months ago. All my emails are attached.

Since then the value of bitcoin, bitcoin cash, ethereum, litecoin have all gone down in price. I have been trying to take my money out so I could pay some bills and help my mom who is fighting XXXX. Now it is less value.
Product: Checking or savings account

On XX/XX/scrub> 2025, i deposited a check with the sum of {$4100.00} via citi bank atm, i was given no instructions on when my funds would be available in my account. I attempted to log into my account XX/XX/scrub> 2025 and i could not do so. i called citi bank and they said they have put my account on a 24-48 review, and i should get a email or a letter when concluded. they didnt explain why the review was being done or what may have triggered it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to dispute with XXXX  incorrect derogatory information reported by PHH Mortgage services during 2017. XXXX  has done nothing to investigate other than pass my dispute on to PHH and allow them to self-report as they wish. I actually mailed XXXX  a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. XXXX  merely forwarded my bank statements to PHH and the account remained unchanged. XXXX  has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. PHH continues to lie about the maintenance of my account.

This started back in 2017 and I wrote PHH ( see attached ). PHH failed to ever respond. I am the victim of gross incompetence by PHH and XXXX  has done nothing but serve as a pass-through for PHH despite being presented evidence that PHH is incorrect and unfair reporting.
Product: Debt collection

While trying to apply for a rental home, the owner made me aware of a debt to a previous apartment I used to reside. The debt amount is {$540.00}. However, its been 2 years since I moved out of XXXX Apartments and I have never received a phone call, a letter, an email, or any statement regarding this. I only found out because it appeared on my credit report pulled by a landlord of a new place I was trying to apply, which I was denied. 
I tried contacting XXXX Apartments to find out what the debt is for since I payed all my rent and fees on time, but their website and phone number are no longer in service. Apparently they were bought off by another company, so they don't exist anymore. The apartments have a new name and new management and when I spoke to them they didn't have me on file. 
Because of this I went in to check my credit report myself and it only now shows a derogatory account which was added on XX/XX/2022. 
This is preventing me from moving out of apartments and into a house.
Product: Checking or savings account

I was an active customer on papal for the better part of a year and had not conducted any nefarious activity with my account, I did not break any rules and always complied with any requests that paypal would make that i do at any time. 

on XX/XX/XXXX, out of nowhere, at XXXX XXXX! I get an email that states my paypal account, that has well over {$4000.00} in it is limited. I then am very upset and conserned as they do not give any specifics to why this has happened, or what will happen to my funds in the account. 

I then get another email from paypal stating they are perminently closing my account at XXXX, mind you I am asleep and waking up to this insanely distressing news. Paypal also states in that email my {$4000.00} will be held by them with no interest being added for 180 days to cover any charge backs that may occur on my account. And that i would receive an email after the 180 days about how to receive my funds that were left in the account. 

We are now in XX/XX/XXXX! Paypal has NEVER sent me anyhting about anything! They literally have blocked my email from even resetting my password. essentially I am permenantly blocked and they have stolen my money! I want justice and my money asap! PLEASE HELP!
Product: Credit card

I paid my entire balance of {$1000.00} from by bank and had a {$0.00} balance. 10 days later they took {$1000.00} again. I contacted them on XX/XX/XXXX. I wanted the money direct deposited and he said he could only mail a check and said he did. XX/XX/XXXX I call in upset because Ive had no check. They essentially blamed me and said there was nothing they can do to solve what happened. The manager got on the phone and agreed. He finally said try to cancel the payment from my bank. I still had no funds for 14 days due to their error. I would like a {$50.00} credit on my statement for the loss interest I would have made and their failure to comply with my request to get my money back with a negative balance. Total failure by Barclays XXXX XXXX card.
Product: Mortgage

My mortgage started in XX/XX/XXXX with Loancare LLC. In XX/XX/XXXX property tax disbursement was made in the amount of {$460.00} to the XXXX XXXX Sheriff Office ( Handles property taxes collection ) but it was made to the wrong persons parcel/tax ID number. After getting a Certified letter on XX/XX/XXXX from the Sheriff 's office stating my taxes haven't been paid all of this came to light. I had to get my closing attorney involved and my taxes were finally paid on XX/XX/XXXX in the amout of {$380.00}. Loancare sent me an escrow adjustment of my account without the benefit of crediting my escrow account back in that same amout of {$460.00} so my escrow account reflects both disbursement.
Product: Debt collection

After repeated calls with no company name given ( between XX/XX/24 and XXXX ), I called to inquire as to the nature of their calls. 'XXXX XXXX said their name was XXXX XXXX XXXX and they were turning my debt over to the attorneys to file a lawsuit if I did not make arrangements that day. I requested written verification of the debt. She refused saying they didn't have to. When I advised that by law they do have to provide verification if requested she began to berate me saying I owed the debt and was going to be sued and possibly arrested. I hung up on her. She called again from a different number and immediately said " I'm sending this to the attorney 's now ''. I again hung up, drafted a letter requesting written verification and have sent it registered mail. This is was an abusive call and violates the law.
Product: Checking or savings account

Im made a XXXX payment using chase online. Goods were never rendered and Chase refuses to return my money. XXXX transaction was for the amount of {$150.00} and another transaction for the amount of {$23.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX XXXX - Incorrect Name # 2 : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

3. Wrong Date of Birth : My Date of Birth is : XX/XX/XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Payday loan, title loan, personal loan, or advance loan

This is a new request to investigate a previous grievance. On XX/XX/year> my account was hacked and a loan for {$10000.00} was taken out in my name. I was then scammed by someone I thought was with the credit union who directed me to transfer the {$10000.00} out to the person who had hacked my account. This was a scam and I have proof of it. The credit union refuses to take this evidence into account and are refusing to write off the loan. 

I have attached evidence that this loan was originated from XXXX, most likely by a pro scam group. 

XXXX XXXX
Product: Credit reporting

Had a car accident go to litigation and the bill for XXXX XXXX XXXX XXXX XXXX was pending payment with the insurance company, XXXX, when they called me and tried to collect. I told them it was a claim for a car accident and it is in litigation. Two weeks later, without any further contact, they submitted it to XXXX XXXX. I got an email from my lawyer stating they openly admitted to him they did this and I sent it to Experian. Experian responded stating that they can not remove the information at this time. Absolutely no reason as to why, just that they wo n't. I gave them the lawyers name, company and contact info along with the email stating XXXX admitted to committing fraud and they refuse to remove it. Shameful
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give authorization ( authorized ) to view / pull credit report " Identity Theft Victim '' ( Equifax Data Breach, etc )!!! 

XXXX!!! 
Inquiry details : Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank EQUIFAX!!! 
Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Product: Credit reporting or other personal consumer reports

XXXX XXXX Illegally posted somebody else 's debt on my credit reports. Both Experian and XXXX XXXX. I filed two disputes with Experian and one was ignored and the other was complete in 24 hours denying my dispute with no reasons or explanations. Nothing I have ever heard of gets done in 24 hours with Experian. When I called Experian, I said How can they verify debt when it doesn't belong to me and when XXXX XXXX  Never contacted me about this debt. I wasn't given any InfoMation other than they will check into it, and they were having computer issues. The only thing I was able to get was the account number that was associated with the debt. Also Experian has refused to remove a name that does not belong to me, An address that does not belong to me and they are furnishing my credit report to unauthorized companies that do not have permissible permission. I have asked and disputed with Experian about these other issues for over a year and they refuse to remove them. How can I have two different names? They are reporting false info on my reports for years and refuse to do anything about it.
Product: Credit card

I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.
Product: Mortgage

Every time we refinance with a company, they sell our mortgage to another company. This is the third time this has happened. Our mortgage company is Rocket mortgage. They did not give us the 30 days notice and now we have to deal with a company that is not reputable and that company is freedom mortgage. This has happened with XXXX XXXX, XXXX, and now Rocket Mortgage. Is there anything we can do at this time to stop them from selling the mortgage?
Product: Checking or savings account

I need my money out of my daughter account . Because the bank she deal withdidn't give her the money that I tell her to put into your account.  Her light got cut off . I need my money back now.
Product: Credit reporting or other personal consumer reports

I am unable to view my credit report experian is giving an error msg that says " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I have called a great amount of times to get this problem fixed and also sent in my ID & SSN and still unable to view my report