23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - a new tradeline appeared on all 3 credit bureau reports, and listed as collection account.

I have not previously heard from this company, nor did I receive any written correspondence.

I immediately sent a letter to them to validate the debt but have not received back any validation.

I also disputed with the credit bureaus and the dispute came back verified.

They placed a name that I have never used on my credit report and I had to dispute that too, as it's not my legal name.

Tradeline lists as JH Porfolio Debt Equiti and lists a contact info at XXXX XXXX XXXX XXXX, which is false information.

This is in direct violation of Fair Debt Collections Practices Act ( FDCPA ).
Product: Checking or savings account

PLEASE UPDATE PHONE NUMBER XXXX XXXX XXXX. 
On XX/XX/2024, there were fraudulent deposits made into my account by a guy committing fraud, per the bank. The bank had me come in XX/XX/2024 to have me file claims on the XXXX fraudulent deposits. Then the bank gave me replacement account and said all should be good so I will be able to pay bills, etc. 

Friday, XX/XX/2024, I called the bank to ensure it was okay to deposit my XXXX paychecks from working into my replacement account. The fraud department said that is fine for I can deposit and take money over counter. 

I go the bank on XXXX XXXX and XXXX XXXX to deposit the XXXX checks mentioned above and get {$40.00} but I ask the teller if account in good standing. She says yes, depsoit funds and gives me {$40.00} cash. 

Yet, on XX/XX/2024, I go the bank to get cash for lunch and gas but, told I can not access my money because it is on hold. I asked why? They said because XXXX of the fraudulent deposits were transferred into my replacement account. Therefore, I won't regain access to my money for another 3 days on the XXXX. I asked if there was anything she could do and she makes a call but on hold forever and because I was at lunch, I had to leave. 

I call the bank last night and get assistance on how could this happen? The gal explains to me that the bank did transfer those funds and that my money will be available the XXXX but the replacement account will be closed. I advised her that I have been without access to my money for almost XXXX weeks. I then asked her if the bills I paid on the new replacement account were getting paid and she advises me that all my payments will be returned! Naturally, I appreciate her assistance but, was upset because as I said what the purpose in the replacement account? 

Secondly, how can I take money Friday but not Monday? This all makes no sense but no one should be without their money for XXXX weeks when fraud was committed against me. The best part is I found out last night the guy probably use someone else 's account to commit the fraud in mine!!! 

Now today, my creditors are stating that since the payment returned I would have to pay double for car insurance because the policy cancelled so have to pay that and then restart new policy and pay more money. This is not right for the consumer should NOT be penalized. 

Please assist.
Product: Credit reporting or other personal consumer reports

Hello, After carefully reviewing my credit report I've noticed that XXXX  of my accounts haven't been updated and it needs to be corrected asap. The Account is XXXX XXXX account number and account is attached below. This account is paid and Closed and I need my account updated asap.
Product: Credit card

I made a payment online ( the same way i do for years ) to XXXX XXXX Comenity bank. The payment was made successfully. After about a month, i received the credit I paid back from them in my checking account. I contacted the credit card company and they told me they didnt receive my payment. Also they added the late fees. I have my bank statement showing the payment was made and returned a month later. I asked for an investigation. They aggressively asked for a payment. I filled a complaint with XX/XX/XXXX I called again the Comenity bank after i re made the payment. They keep telling me they dont see the payment. I asked for them to wave the fees since i have no fault in any of this. They refused. Finally, they opened a dispute, but told me it takes up to 3 months, and i have to pay the occurring fees I made the payment online the phone ( the amount due only, refused to pay the additional fees ). The second payment i made it was returned to my bank again. There is clearly something wrong with their system. I wasted my time and added stress to fight for something i have no fault snd i m getting nowhere. Please help!!! These companies need to be stopped to do this to their customers! 
Thank you in advance!
Product: Credit reporting

Wage Earner Plan filed XXXX - has passed the 7 years limitations on my credit report for a Chapter XXXX bankruptcy. This item should have been deleted by Equifax and was n't.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how Wells Fargo has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. 

I previously held a secured credit card with Wells Fargo, backed by a {$1000.00} deposit, to help build my credit. During the COVID-19 pandemic, XXXX XXXX XXXX XXXX XXXX, and the account was closed with a balance owed of {$240.00}. I later reached out to Wells Fargo and paid the balance I believed I owed. However, I subsequently discovered that Wells Fargo had already written off the debt and failed to issue me a 1099-C form, which is required under IRS regulations for canceled debt. This means Wells Fargo benefitted from a tax write-off while also collecting payment from me, an unethical practice. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. 

Wells Fargo has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the credit limit has been reported as {$0.00}, even though the correct limit was {$1000.00}. Additionally, XXXX reports an incorrect high balance of {$1400.00}, while XXXX does not report any high balance. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating Wells Fargo has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. 

These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Money transfer, virtual currency, or money service

I made a payment from my XXXX XXXX  account to my Barclay 's NFL Card for {$780.00} electronically on XX/XX/2022. The payment should of went to the new company that Barclay 's sold the XXXX card to XXXX XXXX. My bank XXXX sent me the information showing that my electronic payment cleared through Barclay 's but Barclay 's never sent the payment over to XXXXXXXX XXXX or sent the payment back to me. When a bank or financial institution bulk transfers accounts from one custodian to another it should have the ability to sweep to the new account for a time period of at least 90 days. Barclay just held the money for my payment of {$780.00} or transferred my payment to the wrong institution. I have been trying to locate my electronic payment over a year now. I am both confused and concerned how nobody has an audit trail for an electronic payment getting paid into a financial institution that is required to maintain all of this pertinent data. This information being maintained is required by ( REGULATION E ) Governed by the CFPB I am attaching all the information from XXXX XXXX showing I made this payment and also a copy of my bank statement showing the electronic payment went to Barclay 's and cleared at Barclay 's.
Product: Vehicle loan or lease

On XX/XX/XXXX Credit Acceptance received a certified letter requesting debt validation. Credit Acceptance responded by sending me documentation related to the vehicle I purchased. The provided information reflected the car was auctioned off & that I owed a balance of {$5400.00}. On XX/XX/XXXX Credit Acceptance received a XXXX certified letter from me stating that the XXXX XXXX XXXX XXXX XXXX XXXX ) was auctioned off WITHOUT a Content of Notice being provided which is required by the lender to notify the consumer of the intent to sell, the cost to redeem or reinstate the loan. Failure to do so is a violation of Texas Business & Commercial Code Sections 9.613 & 9.614. I requested Credit Acceptance to respond to my XXXX written request within 15 days. As of XX/XX/XXXX Credit Acceptance has not responded to my written requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, Equifax and XXXX  credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> 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. 

1.Account Name : 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 Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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: Prepaid card

XXXX or XX/XX/XXXX I canceled prepaid internet service with XXXX XXXX 
I left the country for a year. 
XX/XX/XXXX, I am opening my mail, I find a prepaid card from XXXX provided by North Lane Technologies , Inc. in XXXX, PA. 

The card I received was for the amount {$43.00}. The card expired in XX/XX/XXXX. The mailing envelope the card came in was postmarked XX/XX/XXXX ( see attachment ). There was a 6 month window in which to use the funds. 

I was gone, there was no opportunity to use the card, and the company charged an inactivity fee of {$3.00} per month. I'm sure this is often done to wind down inactive accounts, and I understand they have operating costs, but I NEVER AGREED TO THE TERMS OF THE CARD or the account, they were forced on me. It's {$9.00}, but this is a predatory business practice and should be stopped. 

When I called today, XX/XX/XXXX, I spoke to a customer service representative, and they offered to cut me a check for {$34.00} and mail it to my current address. This was the original amount minus 3 months of {$3.00} inactivity fees. They said they could not reverse those charges and offered to let me speak to a supervisor. He listened to me, but couldn't do anything. He offered to report it to his supervisors, but he had no names, just a vague description of a team.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXXXXXX XXXX Take action and update the payment history.
Product: Credit reporting

I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit. 
I have contacted XXXX XXXX and they suggested I get an attorney. 
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax several times to explain to them that I am not able to populate any data on the website..such as my credit report, score summary and personal information. 

I took screenshoots of the the main page which indicates that the last update was XX/XX/21 and XX/XX/21. 

I spoke to several individuals from the fraud and dispute department that stated that a technical issue report would be made and I would be able navigate properly within the website. As to date it's still not functioning properly. 

I've exhausted myself in the frustrations likewise subsequent to being a consumer compromised with my credit. They have done many things improperly including just recently deducting XXXX points from my score and the reason states- is because of decreased balance of my XXXX. 

I'd like to rebuttal this since if I've a decrease in balance my score should have increased XXXX points. 

The representative I spoke to stated that she could tell me my credit score however she stated it was over XXXX. She said to wait 3 days then try to log in and that I should be able to sign in and everything will be updated and fixed. However to date it's not My score has decreased for reasons that are violations to the consumer protection laws and those of the FCRA.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
Product: Student loan

This company has made the application process to the point where information can be easily entered or reentered to fit what the person wants. If a co-signer was needed the person can go back and fix the numbers so that a co-signer isnt needed to obtain the loan. Years later the details of the loan wasnt clear as far as having options to repay the loan. No options were available if the person was in a financial situation to help repay the loan. One of the representatives even asked if I could not pay rent or my car not in order to repay the loan. They have suggested several times that I move in with a family member and car pool to save all of my earns to repay the loan. That is completely unacceptable and unethical for them to say that. My address has changed several times and they have constantly sent my mail to my old address and have blamed me for not going to get my mail when I have told them my address changed and the representative said Id have to go in and change the address myself. The representatives are rude and the things they say are just absurd. My loans have been reported and are not a charge off after 4 months.
Product: Mortgage

My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?
Product: Debt collection

XXXX ( eos ) XXXX all equipment returnedand XXXX ( XXXX   XXXX ) XXXX paid. I have sent letters without response. I know there are mail issues due to COVID but this is truly affecting my credit.
Product: Payday loan, title loan, or personal loan

I am in the process of refinancing my house with a cash out option. Part of the arrangement is that the mortgage company pays off my loans with the cash and gives me whatever is left over. I called all the loan companies that were going to get paid off starting on XX/XX/2022. I requested a letter to be emailed to me with future dated pay off balances ( most gave me 10 days ) along with their address because the mortgage company would be sending out check payments. All companies had their letters to me to forward to the mortgage company so that they can send checks with the balanced owed within 24 hours except for Oportun. 

You can see in the attached, I received a letter on XX/XX/2022 with an expiration of the same date. On XX/XX/2022, I called Oportun to inform them that the letter they sent is not what I asked for. I was told I would have another letter emailed to me within 24 -48 hours. I waited for that time to pass and I received nothing. I called them on XX/XX/2022 to request the letter again. They told me they put in 2 tickets for that day. I was to receive a letter within 1-3 business days. The mortgage company contacted them on behalf to help me out and was told I would receive a letter ASAP. 

Being that the other letters were about to expire ( as most were 10 day payoff letters ), I contacted Oportun that Monday on XX/XX/2022. They told me that they would have a letter to me ASAP. I called later the afternoon as I had not yet received one and was told to wait until XXXX by the supervisor, XXXX XXXX XXXX I waited until XXXX pm and called back. I was told by the supervisor, XXXX XXXX that I would have one by the end of the day. 

By the end of the day, the mortgage company recommended that I contact the XXXX  and you to inform of the predatory, poor and shady business practices of Oportun. I reported to the XXXX  and you on XX/XX/2022 and sent a message to an Oportun executive through XXXX ( which with no surprise, did not receive any response ). 

On XX/XX/2022, I called first thing in the morning. I was told that they would put in another ticket request for me. I told that it was not necessary as many have been put in. I requested a supervisor or manager and they told that they would not be in until XXXX XXXX and that they would have them call me. Needless to say, I never received a phone call but received another letter dated for the same day ( XX/XX/2022 ) at XXXX. 

Since that is all I could get from them, I asked the mortgage company if we could work with it. They ended up working around it and contacting Oportun one last time to request a future dated payoff letter as they would send a check payment in full.