23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Submitting a claim against Commenity bank for threats, repetitive calling and harassment. 

This company to date has called me more than 7 times in one day, and have called back to back. I'm well aware of the debt and tried to fix this with them a month ago when the employee who was trying to help me left me on hold for more than an hour, i have XXXX and don't have the energy or time to wait for someone to attempt to help me payoff a debt so i hung up. Since this date, i have had calls nonstop and its harassing me to the point i silence my phone XXXX. The calls start around XXXX XXXX, and have ended at XXXXXXXX XXXX XXXX XXXX 

XXXX - XX/XX/2022 Commenity bank called from XXXX at XXXX, then XXXX, XXXX, XXXX. 
XX/XX/2022 - XXXX, XXXX, XXXX, the XXXX This goes on like this for days since XXXX. 

AS of today XX/XX/2022 - i answered the phone at XXXX from ( XXXX ) XXXX to try and clear ip the debt, however, the lady on the phone, was rude and aggressive and told me i will need a lawyer if i don't clear this debt today XXXX {$290.00}. I attempted to explain my father XXXX XXXX XXXX XXXX and that i too was XXXX  and she cut me off, so i saw we were getting nowhere with her disgusting attitude and asked her to please call me back in roughly an hour/half at XXXXXXXX XXXX and she said, no I want and you need to clear this right now ect. i was unnerved by how nasty someone could be, why on earth would i continue the conversation if someone is threatening me over a lawyer and outright rude. I am aware of the debt and i am not going to tolerate someone harassing me while i am sick, and my father is in XXXX. People fall on hard times when they are ill and a little empathy could have helped this company go a long way. 

I have screenshots of the numerous calls in one hour, and recorded the rude, nasty lady over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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: Credit reporting or other personal consumer reports

remove collections from credit re. 
| Search in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Student loan

I have previously requested full disclosure of the account ledger informing me of any and all fees related to this student loan account. I dispute the account balance because my records show this account should be more than paid in full with XXXX XXXX XXXX XXXX and then XXXX  who have sold my loan so many times without providing me with requested information missing on this loan.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to 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. 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.
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX XXXX I initiated a payment of {$760.00} to my landlord for XXXX rent. The payment was successfully sent but I noticed that a payment was also sent at that same time of {$760.00} to a user named Cashapp research for XXXX rent. I did not initiate a second payment of {$760.00} to anyone and I immediately took steps to request a refund. Originally the time stamp of the fraudulent transaction was XXXX but has since been changed to XXXX. I was unable to speak with a customer service rep as they were closed for the weekend. Although I could not speak to anyone I knew I could still dispute the charge ; so I initiated a dispute for the transaction on XX/XX/2023. XX/XX/XXXX was a Saturday so I was surprised when I received a response to my dispute on that day, and even more shocked that an investigation could have been completed so quickly. The response I received stated that an investigation had been completed and found that no error had occurred. I have since contacted the company multiple times in an effort to learn the reason behind the decision but I have not received any cooperation. I have also tried to learn who Cashapp research and if it is typical for Cashapp to receive payments from its customers, but I have not received any answers. I have security features on my phone, I am the only person who uses my phone, and my card is in my possession so I am certain no other person could have made this transaction.
Product: Debt collection

I found a collections account for Portfolio Recovery while checking my XXXX XXXX on XX/XX/XXXX that was opened XX/XX/XXXX. ( See attached ) I have not had any contact with this company prior to this. 

I called Portfolio Recovery on XX/XX/XXXX inquiring about the alleged debt. I was told they could not locate my account. I demanded the damaging credit report account be removed immediately. I was hung up on. After several days, I emailed a Portfolio Recovery on XX/XX/XXXX, again demanding validation of debt ( see attached ). This email was ignored and never answered. I went to Portfolio Recovery website and clicked their chat tab and was directed to a live agent. I copy and pasted the content of my previous email ( see attached ) into the chat window and included my full legal name and address. I was again told there was no account under my name. ( See attached ). I demanded the account be removed from my credit report. I was told to call the same number I called prior, then the agent immediately left the chat. 

Portfolio Recovery has been damaging my credit for the past 1 year 5 months and refuses to remove their damaging credit collections account from my credit, despite admitting to having NO accounts with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a hard inquiry on my credit report from Transunion.this was from XXXX XXXX XXXX.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called XXXX XXXX today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called Transunion XX/XX/19 said nothing they can do i should contact XXXX XXXX.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them XXXX XXXX.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX
Product: Debt collection

Assetcare LLC is the current, and the third debt collection firm to harass me about a medical bill that is because the hospital involved, XXXX XXXX in XXXX Ohio, did not follow proper veterans administration building procedure and field on their own to get the bill paid. 

I even had the VA call them on my behalf, and the VA representative who had contacted XXXX XXXX XXXX said they refused to resubmit the bill to the VA for my care as an XXXX XXXX veteran. 
But XXXX XXXX XXXX did then cell the bill on the secondary market I soon found out. 

So the first bill collector tried to collect I went through the whole spiel with him, and they dropped it and that was that but now theres another collector, XXXX XXXX, but I also spoke to and that I gave the same story to the hospital didnt do their billing correctly I dont owe that bill it is not mine. 

XXXX XXXX put a collections item on my credit report like the previous company had but pull down when they agreed with me that no it was not my bill. 

So I disputed this credit collections on my credit report with XXXX. And XXXX XXXX denied the request because they said assetcare had a bill. Apparently all anyone has to do to see anyone else owes the money is just to say well I have a bill I bought it myself on the third-party market for debt. And the in collections status is still on my account. 

I will attach the screenshots of the item in question to this when I submit it. 

Unfortunately I dont have access to any original billing materials, because the hospital involved initially pitched it. And the bill collector only has a name, and a dollar amount. They paid good money I assume on the open debt market, and they want this veterans cash. I assume theyre trying to squeeze me out using the threat of it being on my credit report forever. 

XXXX assuming thats how their entire business works. 

But this is my point. I am a veteran. I have a VA medical card. This bill was incurred at XXXX of those fast medical support XXXX places, for {$1200.00} total. When I went there I gave them my VA card they took a copy of it I had no other insurance. And I still dont. Because I count on my country to look after me after my service ended. 

And again, when the hospital started coming after me and I contacted the VA, and the VA actually went to the trouble of contacting billing at XXXX XXXX to straighten it out, the guy at the VA called me back and said XXXX XXXX refused to work with the VA on straightening this out. 

As far as this goes they wan na leave that there forever XXXX more than happy to help because they arent getting a dime out of this veteran. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX the original creditor on two occasion, and ask them to send me a copy of the bill that I owed. The first rep told me he would. 2 weeks later still no bill. So I then contacted XXXX XXXX again and was told to leave a message and someone would contact me, well the rep did. Upon speaking to her I asked her was it okay to record the call she said yes. I explain to her what I needed and she proceeded to tell me if she was able to print the bill she would but she dont have one. She stated that they dont keep records of bills from years ago. So XXXX XXXX  removed it off my credit report immediately. So heres where XXXX XXXX come in a month later XX/XX/2018 posting the same bill that XXXX XXXX original creditorremoved off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries own my credit XXXX
Product: Credit reporting or other personal consumer reports

I mailed letters on XX/XX/XXXXXXXX XXXX  to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  XXXX acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on TransUnion ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate. 

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on TransUnion, 120 days late for XX/XX/XXXX ; 30 days late on XXXX for XX/XX/XXXX XXXX Charged off for XX/XX/XXXX in XXXX. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  D.O.B. 
XXXX - SSN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A
Product: Credit reporting or other personal consumer reports

Date XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX and Inaccurate Credit Reporting by XXXX XXXX Dear CFPB, I am writing to file a complaint against XXXX XXXX for XXXX XXXX of my vehicle and inaccurate credit reporting, which are violations of the Fair Credit Reporting Act ( FCRA ). 
My Vehicle ( XXXX, XXXX, XXXX ) was XXXX XXXX by XXXX XXXX on ( XXXX ). In XXXX of 2021 I noticed that my account was reporting a past due balance in my XXXX XXXX XXXX. I knew this was inaccurate because I had made multiple payments the previous month so I was actually ahead on payments. I called XXXX XXXX for weeks with no avail. I then reached out to my financial institute, which was XXXX XXXX at the time. They stated that they had to do a back office investigation to track the funds. The findings were that XXXX had in fact received the funds but upon contact with them, they continually claimed that the funds were not received. My bank advised me to fill out a wrongful debit form and be refunded, which I did and I still have the documents that were sent to the bank. Less than a week after the XXXX XXXX XXXX released my funds back to my financial institution. Months later I received notice that I was to be included in a class action suit, XXXX XXXX XXXX XXXX XXXX CASE NO : XXXX. XXXX was subsequently found at fault and ordered to pay damages. 
Despite this, the XXXX is inaccurately reflected on my credit report ( s ) as a negative account. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( e ) ( 1 ), which requires credit reporting agencies to ensure the accuracy and completeness of information included in consumer reports. 
Furthermore, the XXXX notice lacks important details or misrepresents the reason for XXXXXXXX, it is a violation of 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit reporting agencies furnish reports with a clear and accurate explanation of any negative information. As a result of these violations I have been denied extensions of credit on multiple occasions. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate information on my credit report in accordance with the FCRA. Additionally, I request that the CFPB determine if the credit report furnished by XXXX XXXX  regarding the XXXX adheres to the FCRA 's accuracy and completeness requirements. 
I have attached copies of the following documents for your reference : Proof of on-time payments made before the XXXX ( e.g., bank statements, cancelled checks ) Documentation showing the excess funds recovered by your bank Proof of participation in the class action lawsuit against XXXX XXXX  Copy of my credit report showing the inaccurate XXXX information Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For a year I have honored and completed a payment plan with LoanCare. This plan was originally set up with XXXX ( not the subject of this complaint ) with my then attorney. 
That agreement XXXX XXXX XXXX was in place when Loancare received the mortgage from XXXX. 

However, Loancare has refused to honor this legal agreement and continues to keep my account in collection, despite every single payment having been made on time since they acquired the loan. As they have never sent an accurate statement, this has been a challenge. 
I have bank records of these payments and phone recordings of my monthly discussions with LoanCare representatives chronicling this ongoing issue. 
For over a year I have dealt with the inability to make online payments and the inaccurate monthly bill for over XXXX in late mortgage payments with Loancare telling me that they need more " paperwork. '' LoanCare would not accept documents from me without my spouse 's signature - however she was not and is not on the loan. She signs, noting " not on loan '' each time and had asked for a simple explanation of why her signature is required. They will not explain why they keep resending paperwork even with both signatures. 
I have received several modification packets from Loancare claiming we are in default - each time I have signed, notarized, and returned them, feeling I had no other choice - knowing I was being treated improperly and suspicious that LoanCare is attempting to change terms. 
This is harassment. We've been extremely tolerant until now, but we are prepared to continue to take action against Loancare and XXXX XXXX XXXX attorney to Loancare ) for duress, continuing to harm my credit rating, continued harassment via email, mail, internet and phone.
Product: Checking or savings account

Fraudulent Bank of America primary Checking/savings Account opened without my consent or approval.

I found this out upon checking my parents mailbox and had a debit card in the mail along with account information as well as a welcome to Bank of America letter. I do not conduct any business with XXXX XXXX  According the XXXX  account was opened XX/XX/XXXX and the letter I have is dated XX/XX/XXXX. I just received mail in hand XX/XX/XXXX XXXX XXXX unsecured personal loan denial letter dated XX/XX/XXXX. Just received in my hands XX/XX/XXXX. Letter indicates I approved a soft credit check which I never did. I never even applied for any loans. I do not conduct any business with XXXX XXXX 


XXXX XXXX XXXX card arrived in the mail. I never applied for this or approved anything in regards to this company as well. 

XXXX- according to experion this company has been conducting soft inquiries on my account for XXXX years that have never been approved by me. Completely fraudulent. 

XXXX XXXX and XXXXXXXX XXXX random soft inquiries have been reported via experion. I have never approved of anything nor conducted business here. 

XXXX XXXX card fraudulently attempted to be open according to experion
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. 
Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. 
I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating
Product: Debt collection

I sent a letter certified mail to company to inform them of their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXXredit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

my credit report shows XXXX XXXX reported that the account was opened on XXXX account # XXXX how can that be when they also reported that my last payment was on XXXX this is clearly in violation violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). Also they did it again with another account with the account number being XXXX they reported that the account was opened on XX/XX/XXXX but they also reported that the Date of Last Payment was on XX/XX/XXXX I demand that this accounts to be removed from my credit report Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also the information is False and inaccurate the date open on my credit account is inaccurate