23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To whom it may concern, I want to file a complaint against, PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} PORTFOLIO RECOV ASSOC not only claims I owe {$3700.00} but have also filed a lawsuit against me which I had no knowledge of, they have a default judgement against me saying I owe {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX ) plus attorney fees and which is now about {$3900.00}. My wages are being garnished, they have taken over {$800.00} in garnishments for an account I was sued for without being served with any paperwork. I dont have any money to cover my rent. I have XXXX kids ages XXXX, XXXX, XXXX and my fianc who not only live with me but also depend on me for support. I am the only one that works and provides. Im asking for help or assistance with these accounts. I work for a school district and only work 10 months, my last day of regular work was XX/XX/XXXX. I found out about these accounts on my credit through, credit karma. I initial disputed them on XX/XX/XXXX, and XX/XX/XXXX. Following my debt validation letters, I receive legal paperwork. Not once have they notified me of being sued or that there has been an order against me. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which wereXX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( being sued for ) ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Product: Mortgage

My FHA home loan was sold to Mr. Cooper approximately a month ago. I setup a password and 1 security question. I have since forgotten the password and when I request a password reset, I MUST answer the security question correctly, except after 25 attempts I clearly do not know my security question response. There is no other way to get a password reset. I called Mr. Cooper and each time I use the VR to request an agent I get a recording stating volumes are too high, the wait would be too long please call back later, with NO offer of a callback, the VR the drops the call. No voicemail message can be left. I have called back more than 10 times on different days and always the same message of volume too high, call back later and then the call is cut off. It does tell me I can service the loan on the web ( the irony! ). The last time I called it was 10 minutes before their stated close time and I received a message saying they were already closed. I am completely unimpressed with Mr. Cooper as a loan servicer. 

I can not get statements and I have lost an opportunity on a loan I was in the process of procuring because I could not provide my most current mortgage statement, since I am paperless and need to get them through the website. 

I am not late on my payment, as I did have the payment set up for auto-withdrawl.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX First XXXX XXXX ( BANK ) XXXX XXXX, XXXX PLEASE REMOVE THESE UNAUTHORIZED INQURIES ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion did not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute these bankruptcy in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please totally delete these bankrupcies from my credit report. 

XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

capital one- is paid but is negatively affecting my account as well as XXXX XXXX XXXX 

XXXX XXXX is reporting false statements and balances. it is paid off as of today XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to report off. that account should not be on my report.
Product: Debt collection

This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Prepaid card

Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX  times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, EQUIFAX AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Product: Checking or savings account

This is for transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, date cleared : XX/XX/XXXX, for {$120.00} My bank is Zions First National Bank, routing : XXXX I went to XXXX XXXX  on XXXX XXXX XXXX XXXX, XXXX, UT on Sunday, XX/XX/XXXX, around XXXX XXXX, and checked out around XXXX XXXX  During checkout, I paid by using my Zions Bank debit card, and decided to take some cash back for {$100.00}. 
The cashier till drawer was empty, and she only had {$100.00} bill. 
She gave me a brand new, crisp, {$100.00} bill, and it was an old series {$100.00} bill from XXXX. 
She said, she only have this {$100.00} bill. 
I was going to reject it, and asked for the new series, but there were a long line already, and decided to accept it. 
The cashier at that time said, she just opened her line, and took the till from the safe room. 
Also I thought, hey the bill was brand new and crisp, just older series. Also it came from the `safe room`. 
VERY BAD Mistakes on my end! 


When I looked at the bill in more detail, on Monday, XX/XX/XXXX, I noticed the bill : 1. has a wrong security strip that says XXXX, 2. has wrong watermark, from XXXX XXXX  bill 3. on the back, right corner of the bill, there is still some shadow of {$10.00} written. 

I went back to the store the next day, but neither the store manager, nor the store loss prevention care a little bit. 
I called my bank, Zions bank, and they will not help either Apparently no one ( merchant, and the bank ) care about counterfeit {$100.00} bill at all. 

On the same day, I went to the XXXX XXXX XXXX - US Secret Service field office, because this is a big issue ( which unfortunately the manager of the store does not think of an issue! ). 
I gave the counterfeit bill to the agent, and she immediately recognized it as counterfeit. 
I explained the whole story, of what happened, where I got it. 

She gave me the receipt of the confiscation of the counterfeit {$100.00} ( it is attached ). 

I opened a dispute with Zions Bank, my bank, and they closed it as " no error occured ''??? And I need to resolve this with the merchant directly, even though the merchant simply will not resolve this issue at all.
Product: Checking or savings account

My name is XXXX XXXX and I am a retired XXXX XXXX XXXX of XXXX  years and have been a faithful member of USAA for approximately XXXX years. I recently got re-married ( XX/XX/2021 ) and in XXXX of 2021 I applied thru the USAA website to have my wife, XXXX XXXX, added to my account as a new member. However, not realizing it, I applied using her new married name ( XXXX XXXX ) instead of using her maiden name of XXXX XXXX as that's what her Illinois drivers license was under as well as her SSN. When I hit the " Submit '' button I was prompted to call USAA as there was an issue. After speaking to a USAA XXXX, I was told to submit her drivers license and SSN card for verification. I did so and heard nothing back for a few weeks. I then called again to see if she had been verified and was told that because I had applied using her married name, that USAA was suspecting me of trying to commit fraud! I then waited until my wife 's new drivers license was issued by XXXX XXXX ( # XXXX XXXX XXXX ) with her new married name on it as well as her new SSN card ( XXXX ) with her new married name on it. I have sent both documents in to USAA XXXX times to prove who she is. We have called several times and keep getting sent to different customer service reps with nothing being resolved other than USAA still thinks that I am trying to commit fraud! I have spent well over XXXX hours on the phone with them and at one point they put me on hold and hung up on me! I have been trying since XXXX to add my wife, but to no avail. I am appalled that this process has taken so long and that as a XXXX  year member of USAA as well as a United States XXXX Veteran of XXXX years, they think I am trying to defraud them. I simply want my wife added to my account so she can start to reap the many benefits that USAA has to offer. My USAA member # is : XXXX.
Product: Credit reporting

My annual free credit report from Equifax is unavailable online. 
Last year I was required to print and fill out a paper form and mail it, along with other documents containing my SSN and complete identification information, in order to receive my report. This year they have imposed the same requirement. The other credit reporting agencies do not require this. Why does Equifax? Are they choosing to put me at risk of identity theft in order to discourage me from requesting my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to notify you about some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be removed : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have been disputing my credit report due to identity theft. I have sent the correct paperwork including my FTC report to the credit agencies and submitting disputes to remove these fraudulent accounts. The disputes are nto being filed correctly and the paperwork is not being attached. And I am not getting copies of the verification process according to the FCRA
Product: Credit reporting or other personal consumer reports

I sent certified complaint letters dated XX/XX/year> & XX/XX/year> for the account XXXX Bank.
Product: Payday loan, title loan, personal loan, or advance loan

Net Credit XXXXXXXX XXXX has a large balance reported on my credit report. An XXXX loan with 64 % interest. They have since sold the company and have no contact for information as to it was sold to listed on my credit report. This is against the law and violates predatory lending laws. There is no way for me to contact anyone about this loan.
Product: Debt collection

I asked for the documentation from the start of the alleged debt and the company has refused to provide it
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I spotted some inaccurate late payments that needs reporting and correction through your company.
Product: Credit card or prepaid card

I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX is not able to pull my credit score from Equifax and Equifax is report the incorrect score to XXXX XXXX, where I applied for loan. XXXX XXXX show me a score of XXXX, which they got from Equifax and I pull my score from Equifax website which shows XXXX ... That score is directly from Equifax , so why did they send XXXX XXXX a score of XXXX. 
I also pull my score from XXXX which is powered by Equifax and the score is XXXX. I have attached pics from both sites for your review. I have been denied credit because of their mistakes and would like to sue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IncorrectPersonal XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : 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