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

I called Experian to add a credit freeze because I am located outside of the US and wanted to safeguard my information. As a result, I can't do it online, but it allows me to call. So I called, added the freeze, and AFTER the freeze is added it states I will receive a PIN. I NEVER received a pin through email and there is NO WAY to speak to a human being. I called several different numbers, and it is impossible. It is unfair consumer practices to not give customers the ability to trouble shoot issues and speak to a human being. I want a phone number were I can speak with an individual regarding if I will ever need a pin if I need to unfreeze my credit report and how to get it!
Product: Debt collection

I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.
Product: Credit reporting or other personal consumer reports

I File A Dispute With Equifax Several Times Each Time They Didn't Remove It Or Follow Back Up With Me I Explain To Them The Account Isn't Mines The Address Wasn't Accurate I Also Stated I Can Turn In My Lease And My ID To Show The Address They Had Wasn't Mines XXXX XXXX Had XXXX Different Address when the Account was open they ask for my email address and phone number they said that it didn't match and that they was gon na have it remove I Explain it to Equifax they still didn't remove it each time I Dispute it my credit score has been dropping badly XXXX XXXX said when I last spoke with them that they wasn't gon na remove it after I stated I can prove I didn't create this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX is negatively affecting my credit report. This account was previously removed from my credit report, but has since been added as a collection once again with I.C. Systems
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a credit card payment from my Capital One checking account to my Capital One NEW credit card. 
The funds for that payment were taken from my account on XX/XX/2022. 
To date, those funds have NOT BEEN applied to my credit card available balance. 
The card SHOWS I have a balance of {$140.00}, but my available balance is {$4.00} - as if no payment has been made. 
This is my first credit card and already not a good experience. When I checked to make my payment, my Capital ONE checking account information was ALREADY there as a payment option. 
When I called last week XX/XX/XXXX or XXXX, I was told since this is a new account, it will take longer for my payment to be applied and the available balance would reflect the payment made. I was also told my account would be updated by XX/XX/2022. 
Well, the available balance is still {$4.00} No updates, I am out of {$150.00} and Capital One is still not showing my available funds as available. 
I opened this account to increase my credit score. I use the card for XXXX XXXX back and forth to work. 
Except now I have to use my bank account. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either XXXX, XXXX, or Experian. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  XXXX  as well as Experian have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.
Product: Debt collection

Collection on my credit report as well as repeated phone calls even though I asked to be communicated with in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - account number : XXXX XXXX XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Product: Debt collection

I have disputed a negative account on my credit report from LVNV Funding and they have yet to verify and validate the information they have listed. I have never had an account with LVNV Funding and this is hindering me from obtaining credit from other lenders. I have sent a certified letter # XXXX to LVNV Finding on XX/XX/31 detailing the inaccurate information and they refuse to delete this from my credit report. I have also sent another certified letter # XXXX to XXXX and they have not verified the debt. Persuant to the FCRA and FAIR DEBT PRACTICE they are required to verify and validate the debt which they have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN XXXX DAYS!
Product: Credit card or prepaid card

DISPUTED CLAIMS Unauthorized Claim ID : XXXX Claim Closed Claim Received XX/XX/23 Under Investigation XX/XX/23 date reported Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX XX/XX/23 - {$39.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX CXXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : XXXX purchase from XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$17.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, the company I had no contact with as a consumer, failed to protect my personal information and put my identity at risk for the rest of my life. They have taken steps to limit my ability to sue them in case my identity is affected or as a part of a class action lawsuit. Three of their top executives between the time of the breach and the public disclosure, sold shares that were not a part of the company 's financial plan. These actions are egregious and they need to be held accountable.
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 numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

My mortgage was sold from XXXX XXXX to Freedom Mortgage on XX/XX/XXXX. Loan Number XXXX. Per the instructions, I was paying after XX/XX/XXXX so I sent my XXXX mortgage to Freedome Mortgage as instructed. I sent check # XXXX for {$3100.00} by mail and they cashed it on XX/XX/XXXX. 

In paying my XXXX payment, I noticed that the XXXX payment was not credited. Sent an email through their website on XXXX inquiring, no reply. On XXXX I called and the Customer Service Agent said they could not locate a payment and told me to report it through the website. I therefore sent ANOTHER email on XXXX, no reply. 

Received a letter threatening reporting me to CRA 's dated XXXX, received XX/XX/XXXX. I sent ANOTHER email to the mortgage company. No reply. However miraculously my payment was suddenly posted to the loan and back dated posting of XXXX. 

However, I then received a CERTIFIED LETTER advising no payment and that they would report me to CRA on XX/XX/XXXX. Sent another email saying they were incorrect and no reply. 

On XX/XX/XXXX I called Customer Service and went through the entire issue with them. They confirmed receipt of payment. I asked for a letter confirming they are not reporting me to a CRA. On XX/XX/XXXX they sent a letter that states that they can't report me for 60 days upon payment of a mortgage payment to the prior lender. The letter does not say that they can not report me for a payment made to the new mortgage holder.
Product: Checking or savings account

I visited the XXXX & XXXX XXXX. Bank of America located XXXX XXXX XXXX XXXX, XXXX, AZ XXXX on XXXX, XX/XX/year> at approximately XXXX. I asked the teller to withdraw {$200.00} from my checking account. I provided the teller my Drivers License. The teller asked me for my debt/atm card. I told her I do not have it with me. They refused to provide me the money because I did not have my debt/atm card. I have been a customer of BofA for over 20 years AND I have over $ XXXX in all of my accounts with BofA. This particular account that I was withdrawing from, contained over $ XXXX! I was asking for only {$200.00}. The teller sent me to the XXXX to discuss it. The XXXX continue to tell me that my phone number was not 'verified ' and/or I don't have the BofA App. What? I explained to her that I should not need a phone number, app or a debit card to withdraw my money. I was asked to step into a private room to discuss further. I showed the XXXX my cell phone where I receive text messages from BofA showing my account balances/ activity on these accounts. I told her that I have had this same phone number for 20 years and BofA has this cell phone number in my account on file. The manger proceeded to treat me like a criminal and to record our conversation. Please review this video, as I feel this is discrimination. I am a women. I called my husband and he said to have the bank call him, if there is a problem. They basically said they can't provide me any of my requested money and I left the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out debt validation letters to EQUIFAX, XXXX, XXXX XXXX and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. Equifax, XXXX and XXXX   uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have asked this reporting agency to submit a disputed on address i have never lived and the company is refusing to do so. 
Address ID : XXXX XXXX I also requested the company to delete any names that are not on my state issued license
Product: Debt collection

Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX, with the account number XXXX and a reported balance of {$13000.00}. On XX/XX/year>, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice. 
2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame.

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Bank account or service

USAA Bank - I attempted to make a deposit and the funds were placed on hold. It was a {$20.00} deposit. They will not take any other methods of viable deposit unless it 's a Wire transfer ( going to cost me XXXX dollars from my bank XXXX or a cash advance off a Master Card. 

Sadly, I do n't own a mastercard. I only have XXXX but they wont accept that. They told me they wont accept a cashiers check/money. I have no way to make a deposit and they are going to access me a feel. 

Just to note, it 's XXXX XXXX and my debit wont hit the bank until the XXXX. They have my deposit on hold until XXXX XXXX. With no way to deposit, I can not avoid the penalty even though I contacted them 2 days in advance. They are going to charge me a {$39.00} fee on a XXXX dollar debit. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appearing on my credit report are fraudulent. 


1. XXXX 2. XXXX
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 i filed complaints with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all XXXX of my credit reports which are XXXX, XXXX and XXXX that do not belong to me which appears to be balance of {$580.00}. I've never done business with PORTFOLIO RECOV ASSOC or owe money to this company or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC or to do business with them because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, XXXX or any personal information. PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from XXXX XXXXXXXX, PORTFOLIO RECOV ASSOC continue to refuse to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

PORTFOLIO RECOV ASSOC continues to refuse to provide the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor, the amount of the debt when they obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, they refuse to provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

PORTFOLIO RECOV ASSOC refuses to provide If there have been any other changes or adjustments since the last billing statement from the original creditor, and continues to refuse to provide full verification and documentation of the amount they're trying to collect. PORTFOLIO RECOV ASSOC refuse to Explain how that amount was calculated. In addition, will not explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

PORTFOLIO RECOV ASSOC refuse Tell me when the creditor claims this debt became due and when it became delinquent. 

PORTFOLIO RECOV ASSOC refuses to Identify the date of the last payment made on this account.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.