23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio recovery associates claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of XXXX XXXX XXXX. At that time I lost my job and couldnt pay for the car. Unbeknownst to portfolio recovery associates, XXXX XXXX XXXX has already made their money back through an auction. I know this to be true because XXXX XXXX XXXX sent me the bill of sale. So if they got their money back, why would XXXX XXXX XXXX get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, portfolio recovery associates are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion and XXXX, two of the three major credit reporting bureaus, for denying me access to my credit report despite my repeated requests.

I have been trying to obtain a copy of my credit report from both bureaus, but they have refused, citing ongoing disputes the reason. I understand that disputes may need to be investigated, but I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) The FCRA explicitly grants me the right to obtain a copy of my credit report, and disputes should not be a reason to deny me access. I am concerned about the accuracy and completeness of my credit report, and I need to review it to ensure that it is up-to-date and reflects my credit history accurately. 

I request that the CFPB take immediate action to : XXXX. Investigate this matter and require TransUnion and XXXX to provide me with a copy of my credit report. 
XXXX. Ensure that both bureaus comply with the FCRA and do not deny consumers access to their credit reports due to ongoing disputes. 
XXXX. Take appropriate enforcement actions against TranUnion XXXX XXXX for violating my rights under the FCRA. 

Additional Information : My credit report is essential for me to monitor my financial health, apply for credit, and make informed financial decisions. 
I have tried to resolve this issue with both bureaus, but they have refused to provide me with a copy of my credit report. 
I believe this is a systemic issue, and other consumers may also be facing similar challenges. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon
Product: Debt collection

I have requested a validation of the debt and disputed the validity of this debt. I sent it via certified mail return receipt requested to the attorney that Amsher Collections allegedly referred my account out to, and I have yet to hear back. the certified mail number is XXXX XXXX XXXX XXXX XXXX sent to XXXX XXXX, Attorney at law in Alabama -- she isn't even licensed in the state of Texas to sue me. But I was told that my account has been sent to this attorney for a lawsuit by Amsher Collections for an account owed to XXXX XXXX. I have not had an account with Charter communications since well before my son was born, as this was who I was required to have cable with when I lived at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. My son was born on XX/XX/2013 and we haven't lived there since then. 

I want this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX my wife XXXX XXXX passed away. I currently reside in XXXX XXXX New Jersey and have been a 27 year customer of Bank Of America with over seven accounts linked to my login and screens. When she passed away a joint account that we had as an overdraft protection for our checking accounts I assume was frozen due to the notification of the funeral home to the Social Security administration and all the other flags they go off when someone passes away. Shortly after the holidays into the new year currently XX/XX/XXXX, I apply through Bank of America for mortgage loan for the kids and I to find a new residence to live in. 
Always having a very high Phico score somewhere near 800 for many years, I am notified by my Bank of America loan mortgage officer that I am un-loanable due to five negative entries made by Bank of America to the three crediting agencies. When I look into it, the five negative entries made by Bank of America were in relation to the overdraft protection account that had an outstanding balance of {$22.00}. This unpaid balance stay that way simply because I never received any statement in the mail, through email, via phone call, or text saying that there was an Outstanding balance to still be paid. With well over six accounts linked to Bank Of America I couldve very easily pay the {$22.00} but Bank Of America chose instead to send me into collections and ruin my credit rating therefore not having the ability to acquire a loan. After contacting the bank and the regulator for Bank of America which her name is XXXX XXXX, Im eventually transferred to a gentleman by the name of XXXX XXXX who is the right off supervisor based out of XXXX North Carolina. This individual was unwilling to help me in anyway and all he did was simply print out all the statements that I never received and mailed them to me. After three separate phone calls he never once gave me an option or a form of resolution to help me. I asked him on multiple occasions what my options were as a consumer that is now dead in the water and unable to acquire a loan of any sort and he never offered any assistance or seem to be interested in helping in anyway. The bank refuses to send a letter out to any of the accrediting agencies to repair this after I have pleaded multiple times asking them that as the middle-class consumer attempting to rebuild his life they simply seem not to care. I have reiterated that to them that at any moment had they contacted me in anyway I wouldve immediately canceled the balance of that {$22.00} which I eventually did over the phone with Mr. XXXX in a matter of minutes. To me this is a classic example of the giant not caring about the consumer although I carry a platinum Title with Bank Of America, they simply threw me to the side and offered me no resolution or means out of this issue after I pleaded with them that I never received their statements. All I ask is some assistance in possibly getting the bank to help repair my severely damaged credit history
Product: Credit reporting or other personal consumer reports

I fixed a dispute in XX/XX/XXXX to show I paid full balance on XX/XX/XXXX the company saying I'm still past due and I didn't pay in XXXX in full.
Product: Debt collection

My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I paid off my credit card balance with Comenity Bank, however, they have refused to update my credit reports with the {$0.00} balance. Instead, the reports all still show a balance owed on the account. I have requested that Comenity Bank update the credit report balance, but they have been non-compliant. The canned response is that " Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time ... '', but that they " expect to provide an update to the credit reporting agencies within XXXX billing cycles. '' It's been XXXX months and they still haven't updated their reporting.
Product: Credit card or prepaid card

Recently received in the past week a personalized card from XXXX XXXX with my name that I did not sign up for or have any affiliation with. I tried contacting the company multiple times and through multiple different numbers and every time, I am prompted to enter my social security number. I am unable to take any action with this unfamiliar card including cancelling and reporting without giving them this information. I am worried that the company has my information and will affect my credit report. Also I was unable to cancel it on their website.
Product: Credit card or prepaid card

This bank likes giving me a hard time before approving any application submitted they send me these verification letters I recently applied for a XXXX store credit card and verified the reference number to the account protection they didnt even ask me any verification questions as stated on the letter and declined it telling me to reapply in 30 days this is crazy
Product: Debt collection

Company : Global Payments Check Services, XXXX - XXXX XXXX XXXX XXXX, IL XXXX / re : acct # XXXX I reached out to this company Mid XX/XX/XXXX regarding a returned check. The amount owed is {$770.00}, and they offered a settlement of {$650.00} but had to be paid that day to avoid a third party collection. I advised that I had taken an unpaid medical leave of absence from work, and advised that I could not pay the entire amount in one lump sum, but would like to set up a payment plan. I offered to make a small " good faith '' payment that same day with a debit card. they declined and said they could not take any payment if it was not the payment in full or the settlement amount, and that they could not set up any kind of payment plan. I expressed very clearly that I was very concerned that this would get sent to a third party agency and would be reported to the credit bureaus. again they advised that they could not do anything unless payment was made in full and they would not accept any partial payment. today ( XX/XX/XXXX ) I received two letters. The first is an undated letter from this company advising that the account has been sent to a third party collection agency and that the account has now been reported to the credit bureaus. The second letter is dated XX/XX/XXXX, and is from the collection agency advising that they have received the account and an attempt to collect. My issue is that the " undated '' letter was the first letter that I received advising of any legal action. additionally I am very concerned that the company was not willing to set up a payment plan - when I clearly expressed that I was able to pay a reasonable amount per month to avoid the account going to collections and being reported to the credit bureaus. I am very frustrated because I have had medical issues that sometimes prevent me from going to work, and I explained all of this, but they were still not willing to set up a payment plan, or even take a small partial payment just to show that I am willing to pay. Now my credit is going to be adversely affected, which is a VERY BIG deal to me because I have spend the last 5 years cleaning it up. I have NO LATES on all of my active accounts and only XXXX  late on an old closed credit card. If this item gets reported to my credit reports, it is going to severely hurt my score and all the progress I have made.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers has also allowed repeat offenders exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FOURSIGHT Account Number : 3187 Delete this account. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card opened at Capital XXXX on XX/XX/XXXX, and another personal credit card opened at XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian several disputes as to them matching me to a bankruptcy that does not belong to me. And they keep sending information stating they verified it through XXXX XXXX and other third party agencies, but have it listed on the credit report they receive this information from the bankruptcy court I have asked them several times to send me information from the Court that verified this and they have failed to do so. XXXX told me to contact Experian in regards to this and Experian tells me contact XXXX just running me back and forth I have no accounts in my credit file that are in bankruptcy. This is really harming my credit and the also in violation of the FCRA with reporting inaccurate information that has not been verified. My next step is to file a civil suit if Experian fails to remove this from my public records immediately.
Product: Debt collection

I have contacted Midland Credit Management ( who purchased/collecting the debt on behalf of XXXX ) via mail and still have not heard back from them from the letter I sent requesting written correspondence only. I would like for the company to respond to my request of settling this account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XX/XX/2020, challenging the accuracy of a public record, USBK Court XXXX  Pennsylvania. I received a letter back around XX/XX/2020 stating that they verified the information. I sent another letter on XX/XX/XXXX and received the same response back stating again that they verified the info ac accurate with the court. They never marked on my report that I am disputing this account/record which is in violation of FCRA. Furthermore, I have proof that the court does not, in fact, verify public records. So they could not have verified as they claim.
Product: Credit reporting or other personal consumer reports

My information has been compromised in multiple breach of data complaints.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXXXX XXXXXX/XX/year>