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

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XX/XX/XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX XXXX XXXX.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX  with account number : XXXX MCM account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, XXXX XXXX, and Weber & Olcese, P.L.C. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigare my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the account that marked inaccurate XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX bank XXXX XXXX XXXX XXXX bank XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

When sending money through zelle in recent years, it was very confusing and hard to determine if it was being sent to the right person and there were no warnings or verifications.
Product: Debt collection

I have XXXX separate accounts in my credit report that are in debt collections and I never tried setting up any accounts nor have accounts with any of the companies.
Product: Credit card

I received a call from FJS Global in regards to a XXXX XXXX credit card they say was opened in XXXX  and closed with a balance on it. I have no knowledge or recollection of this credit card, yet they are threatening litigation against me for more than the amount due. It has been XXXX  years so I know there is a statute of limitation on debt collection, yet they are aggressively pursuing me. They have threatened to garnish my wages and take my vehicle.
Product: Debt collection

Portfolio Recovery Services continues to call me despite a written request mailed to them to cease telephone communications. They called my elderly mother in Florida and contacted her repeatedly despite being told they have the wrong number. They continue to call repeatedly very early in the morning. Although the calls are not prior to XXXX EST they are as early as XXXX on a Saturday morning. When I advise the caller that I have submitted a letter requesting communications cease, they state that they are going to continue to call me, that they have received no request. I 'm frustrated with their repeated violations of the Fair Credit Reporting Act. Portfolio XXXX XXXX min XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor Explained that I would like documentation that portfolio owns the debt or purchased from XXXX XXXX. Kept stating we sent two letter. They were initiation letters. Explained repeatedly that anyone can send a letter and requested verification that they own the debt. Stated the letters are system generated and will resend if possible. Threatened to continue collections. XXXX/XXXX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Advised them that I am considering bankruptcy. They asked me for attys name and I informed them I have not retained one. They told me they could not stop calling when I requested them to stop. XXXX/XXXX/XXXX XXXX XXXX Hung up when I answered XXXX/XXXX/XXXX received a letter XXXX/XXXX/XXXX. XXXX. XXXX ( XXXX XXXX XXXX Spoke with XXXX. Tried to get me to make a payment. Explained considering bankruptcy ask for time to consider options. Said ca n't stop calling and acct will remain in collections. Must send request in writing to stop calling. XXXX ( XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Asked for call back because I was driving. Tried to keep me on the phone. Advised that I could not talk and requested a call back in 10 minutes once I arrive at my destination. They told me that they could not call back at the time requested and would continue to call me XXXX ( XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX hung up XXXX XXXX/XXXX/XXXX XXXX No msg left. I did not answer XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Friday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Saturday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX No msg left XXXX/XXXX/XXXX Called my elderly mother sometime today. She was confused about why they were calling and told them I did n't live there. XXXX/XXXX/XXXX Called my elderly mother in the morning today. Exact time is unknown She told them they had the wrong number. XXXX/XXXX/XXXX Mailed letter to Portfolio requesting that they cease making contact via phone. Requested mail contact and provided my address. XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Called my mother in Florida. Again Portfolio was advised that they had the wrong number. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Saturday Morning!!! XXXX/XXXX/XXXX XXXX No msg left XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX/XXXX/XXXX XXXX XXXX When I answered there was no one there and no response to my repeated hello 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company listed below is in violation of the law. 
MIDLAND CREDIT MANAGEMEN XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$410.00} past due as of XX/XX/XXXX. 

Under section 15 U.S Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I did not give my consent or did any business with this company, they call me everyday harassing me, I can't work in peace!!

a debt collector is supposed to contact you only once during a 7-day increment.

Please have them stop calling me or I will press charges.

15 U.S. Code 1692k - Civil liability ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Please do not violate my rights to privacy!
Product: Debt collection

Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX  anyone!! We filed a fraud claim. In the meantime, Key Bank " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!
Product: Checking or savings account

I had a fraud in my account with some XXXX transfers and some transactions in my bank account. I already reported it and canceled all my cards. But I need to see how I can get my money back. I lost all my savings and the money from my debit account. And they tell me that it takes 20 to 45 days to be able to do the research. I don't have the money to pay my bills. I really need help to find the solutions. And I already made the report to the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXX XXXX XXXX } REMOVED/DELETE from my XXXX Credit Report -- SEE ATTACHED XXXX Additionally, this INACCURATE Credit Card Account information is also being reported on my Equifax and XXXX Reports. I have disputed it numerous times with ALL THREE XXXXredit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX  XXXX but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.
Product: Credit card or prepaid card

I called chase regarding an application I submitted for an XXXX XXXX visa signature card. I got a letter stating I was denied due to an existing account ending in XXXX I explained to them that I have NEVER opened an account with chase or XXXX in the past. I was advised to call the card lending team to have the corrected and my application reprocessed I have called 7x been transferred to multiple different departments with NO resolution and it's extremely frustrating how hard is it to remove a fraudulent account that clearly isn't mine and reprocess my application. Shouldn't make a potiential customer jump through this many loop holes to get this corrected
Product: Debt collection

On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.
Product: Mortgage

I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I received a hard inquiry on my credit report on XX/XX/2022 from capital one. I also had received a phone call and voicemail from capital one regarding a recent application ( that I had never recently applied for anything at capital one ) and that they needed my verification and provided an application number at the end of the voicemail as-well as a phone number to call back. 

I call the phone number provided from the voicemail, and tell the customer service rep my issue and that I needed to talk to a manager, and was kindly told that it would be transferred over in a short period of time. 

After I get a hold of the fraud manager I was repeatedly told to provide my full social security in order to access the application. I was adamant about not providing my full social as it clearly looks like Someone is trying to fraud and use my identity without my knowledge or permission. 

The lady I was speaking with tells me that I can provide either an application number or my full social once again and I give the application number that I received in the voicemail and continually being told that they have no record or history. 

I tried to provide literally every information that a company would need in order to access my so called application and cancel it except for my social. Why would I give you my full social when Im clearly being scammed. Please help!
Product: Student loan

Many occasions during the XXXX  years, by representative provided inaccurate information about the Public Service Loan Forgiveness-program t ( he loan was for XXXX, XXXX, XXXX and now I owe XXXX ) and their eligibility for the relief. 
I was steered into interest-accruing forbearances or deferments and not informed about other, potentially more affordable repayment options, including the governments income-driven repayment plans- I was told my credit report will not be effected in a negative way and when the payment was processed, the payment was posted and the XXXX loans were sent to the credit burea and effected my credit report severely- my payments were not affordable and was financial burden. 
I was charged fees to enter a forbearance on many occasions during the XXXX years of the loans I was charged multiple late fees for a single delayed payment while processing a forbearance and payment plans Was denied access their loan payment history when requested several times to confirm interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed 3 copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of XXXX, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from XXXX will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXXXXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXXXXXX XXXX claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX XXXX  XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

XXXX, XXXX and Transunion are reporting information that is inaccurate, and must be removed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$400.00} Sent a family member {$400.00} it was too much so they refunded {$400.00}, then I sent {$54.00} both came out of my account. I never got the refund for {$400.00}. Been fighting with them for 2 months called, email 10 times file XXXX  complaint automated responded allow 2-3 days, then close the complaint and ask for a survey
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained an insurance quote, and then attempted to get a copy of my latest insurance report from Lexis Nexis. However, Lexis Nexis is saying that my information doesn't match ; which doesn't make sense because my information has not changed since I last received a copy of my insurance report from Lexis Nexis, back in XXXX. 

Lexis Nexis is now demanding additional documentation ; but the letter I recently received from Lexis Nexis, on XX/XX/XXXX, states that, " additional documentation is NOT required for a consumer to request their file. ''
Product: Mortgage

NewRez Since XX/XX/2021, the NewRez has been withdrawing for an insurance premium which I have furnished and confirmed by the company as having the required insurance. I called the company XXXX, and XX/XX/2021 to resolve the issue. Each time, the representative informs that an escrow analysis is require. In the mean while, {$1500.00} drafts have withdrawn for that last 3 months. Additionally, the escrow amounts are being held in separate account. I have repeatedly reached out to the company without receiving the funds or having the payments reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts don't belong to me. Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX  XXXX, Account XXXX XXXX  XXXX XXXX and Account XXXX XXXX # XXXX.
Product: Debt collection

It was court ordered that my ex-husband, XXXX XXXX, was responsible for my out of pocket medical bills. Both XXXX XXXX, and my lawyer at the time, XXXX XXXX, worked out a mutual agreement. They presented it to MEDICAL DATA SYSTEMS. They stated that they would accept the terms, although they honored them. 
XXXX XXXX, paid them IN FULL, according the mutual terms. They stated that it would not be reported to the credit bureau, but there it is. 
I contacted them multiple times, and sent them documents numerous times showing them that they did not agree to the terms. Although it was paid in full, they were deceitful, and rude. It has a XXXX  balance. It doesnt state that it was written off. There is absolutely NOTHING to substantiate their actions.