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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a debt settlement company ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) was hacked via XXXX browser redirect fraud resulting in ransomware by individual threatening financial/identity theft unless XXXX provided XXXX XXXX ; one disbursement demand to be sent as $ XXXX ( $ XXXX {$50.00} bills ) via UPS to XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX mailed $ XXXX @ XXXX via The UPS Store # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, tracking # XXXXXXXX XXXX # XXXX, XX/XX/XXXX. XXXX XXXX proceeded to withdraw uncharacteristically large amounts from his Wells Fargo accounts and visitetd two neighboring branches within the same hour on XX/XX/XXXX resulting in two {$20.00}, ooo.oo transaction in smaller bills and one {$25.00}, ooo.oo wire transfer ; NO questions and NO due diligence was compelted with any teller at either bank. Only on XX/XX/XXXX, when a family member found out about the extortion/fraud, and alerted Wells fargo to all three transactions that went unnoticed. There was a failure to the client and Wells fargo assisted in this elder crime by omission of ANY due diligence. WE WOULD LIKE THE NAME OF THIS INDIVIDUAL BE REDACTED FOR HIS SAFETY. He acted out of fear of reprisal and we are going forward with court proceedings.
Product: Credit reporting or other personal consumer reports

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts . This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX XXXX XXXX, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX XXXX Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. XXXX XXXX TRANSUNION on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the Security Exchange Commission. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Product: Credit card or prepaid card

I have received new social security number. Previously I was using Individual Tax Identification number ( ITIN ). American Express is still using my ITIN even though I have requested them to update my new social security number in my records. I have mailed them cover letter, photocopy of SSN, photocopy of Drivers License and the documents were delivered to Amex at XXXX XXXX, TX on XX/XX/2021. I have called AMEX customer service to know if my social security number is updated. I was told that they have received my documents. But still my records are not updated with my social security number. Due to this, I am not able to get my credit report.
Product: Debt collection

Ability Recovery Services is at tempting to collect a debt for  XXXX   XXXX . I have never attended  XXXX   XXXX . I have disputed this debt several times with all  XXXX  major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of   delinquency being reported is  XXXX / XXXX / 2014 .
Product: Debt collection

In the process of reviewing my credit report and taking care of any old debt, I have tried multiple times to resolve an old account with Midland Credit Management originally held by XXXX Bank ( XXXX ) from 4 years ago. I never received specific merchandise ordered or it was either lost/stolen. I requested that the lost merchandise be removed from my account. It was not. I have never received acknowledgement for a credit. Instead, the account was written off by XXXX XXXX now Bluestem ) and transferred to XXXX, who continued to bill for the merchandise and charge interest even though I requested a credit in 2013. I once again disputed the amount owed and tried to resolve the matter. Once I contacted them, XXXX began contacting me at my employer with letters and calls despite my requests to stop. They also continue to ignore my request to provide a full accounting of merchandise ordered. The only thing I receive is an invoice with an amount due. I am already in a class action suit for XXXX 's poor collection practices. I believe the continued barrage of calls and letters is because any settlement monies I receive, XXXX go to amounts XXXX claims I owe, which I dispute. I work for a law firm, so the continued letters and calls caused an issue with my employer. After continued requests to remove the amount billed for the unreceived merchandise, I am now receiving a barrage of letters to my home, and still no response to my dispute or any offer to settle the matter I have also attempted to resolve direct with XXXX, who refers me back to XXXX XXXX. XXXX 's collection practice, I believe is a violation of fair debt. I want to resolve this matter, but have been unsuccessful and the charges continue to increase.
Product: Mortgage

I was told, on a recorded line, by a MANAGER at BOFA that while I was STILL IN MY TRIAL MODIFICATION, nothing would be reported to the credit agencies, because I am STILL IN TRIAL MODIFICATION until the end of XXXX. I have NOT opted out of the modification AND I am covered by natural disaster protection as well. It is literally CRIMINAL that any reporting has been done. I PAID AS AGREED in XX/XX/2023 and have until the END OF XXXX to pay for XXXX. 
You have just created FAR more problems for BOFA as this will be added to a lawsuit since you have done so many illegal things since the HAMP denial to now. Lawyers field day. 
FIX THIS NOW as it is WRONG and not as agreed by BOFA for modification. 
CALL ME NOW! You guys are straight criminal.
Product: Debt collection

On XX/XX/XXXX I received a mailing from Jefferson Capital stating I owed {$760.00} to XXXX XXXX. I immediately contacted JC because this debt was settled XX/XX/2023 with XXXX XXXX The debt at that time was disputed with XXXX XXXX  and a collections was added to my credit. It was agreed on XX/XX/2023 that I would settle the debt with XXXX XXXX and XXXX XXXX  at half the amount. I received a notice via email from XXXX XXXX that shows a XXXX Balance for that debt because it was paid in full at a negotiated amount. 

On XX/XX/XXXX I sent Notice to Jefferson Capitol with the copy of the email from XXXXXXXX XXXX  disputing the debt and requesting validation of the debt. I also requested to not be contacted again based on the fact that I do not owe this debt because it had been settled with XXXX XXXX. I have copies of all items sent and received. 

XX/XX/XXXX, I received a notice from JC stating their records no not indicate a paid in full status. And requested a paid in full confirmation letter. The request is exactly what I sent them from XXXX XXXX. I requested validation in the dispute letter and no contact but these items have been ignored.
Product: Prepaid card

I received refunds totaling about {$550.00} and when they cleared my account they posted as a debit instead of a credit causing overdraft. I paid an additional {$550.00} so they owe me a total of around {$1100.00}. I have contacted them numerous times but they will not help, they just read from a script and will hang up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Debt collection

I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.
Product: Debt collection

I already demanded proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.
Product: Credit card

I responded to an offer made by my bank, Fifth Third Bank, to give me a limited time, interest-free credit card if I transferred my balance from another credit card company to theirs. I accepted the offer and transferred an existing balance from another credit card company. I did not received a bill from Fifth Third Bank for 2 months until I received a bill for 2 overdue payments and penalties. I finally sorted out this problem and got the penalties removed although the bank said that they had sent me the bills which I am absolutely certain I never received. 

The main source of my complaint against Fifth Third is that I have received a bill since I spoke to the bank which did not have any information for a 3 year payoff. I called the bank and could not get past an uncooperative customer service agent. I requested the amount I would owe if I chose the 3 year option, and the agent said that she knew of no such option and that she did not have the ability to calculate the lower payoff amount. I told her that the law required Fifth Third credit card bills to list the 3 year payoff option, and she denied that this was true. After a lengthy session of wait times and her reporting that her supervisor had said that they knew nothing of this option, I gave up. I have since received another bill without the 3 year option listed. I researched the 2009 Credit Card Act and found that banks ARE required to disclose this amount on their bills. I am willing to send copies of the XXXX bills in question but lack a scanner to process them. I hope that Fifth Third Bank is fined the maximum amount allowable for violations under the Credit Card Act.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX in XXXX of last year and Wells Fargo said I was approved at first so I took the car home and I thought everything was fine so I paid a XXXX payment and the dealership called and told me that the bank turned the loan down but I had already made the payment.I returned the car and I called 7 or 8 times talking to a XXXX, XXXX and a few others all telling me that they would take care of it and get back to me and no one did.Every call took XXXX minutes just to try to get someone on the phone and with no luck I am trying this to hopefully get there attention.Please help me get my money back and that's all I want.
Product: Mortgage

I was approved for a flex plan loan modification on XXXX XXXX, 2024. I have the letter to prove it. I spoke to a rep from the Loss mitigation department by the name of XXXX, on XXXX XXXX. She confirmed that in her system I was showing as being approved for a flex modification where starting XX/XX/XXXX I would need to pay {$1000.00} from XXXX through XXXX. I was told I would have the entire month to pay that amount. As long as I met the terms of the agreement, my account would then be evaluated again in XXXX to see if I can continue to pay {$1000.00} moving forward. I was told that because this plan was approved for me the Foreclosure process had been suspended. Then about a week of speaking to this representative I got a letter in the mail dating XXXX XXXX that my loss mitigation file has been closed because I did not comply with the terms of the loss mitigation option. As you can imagine I was taken aback by this information when a week ago I was told otherwise and we are not in XXXX yet for me not to be in compliance with the new loan modification I was given. I called on XXXX XXXX I spoke with XXXX who was not able to tell me why was the plan cancelled from XXXX day to the next. He could not give me a straight answer. I was then transferred to XXXX, her rep credentials are XXXX. XXXX also could not explain why the plan was cancelled. She confirmed seeing the approval in the system, the notes from XXXX, but could also see that it was denied. She was not able to explain why in less than a day the case was denied after being approved. XXXX said she would escalate the matter to be further investigation because she also found it odd. She also made a comment about how low the new payments would be and seemed a bit surprised that I was even approved to begin with for that plan. XXXX said that I would get a call by Friday from the escalation department to explain to me what happened and where my plan currently stands. No one called me. Then on XXXX XXXX I received notice that my loan was being transferred on XXXX XXXX, to a new mortgage provided called XXXX XXXX. I called Flagstar again on XXXX XXXX to follow up on my previous call with XXXX, and was told by the rep, they see that XXXX did escalate the matter but there were no notes as to what the outcome of that investigation was. The rep also informed me that the ticket was closed out and thought maybe it was a computer error. The rep said she was going to resubmit everything and that I should call back next week. I believe Flagstar is trying to cover up the fact they never wanted my loan modification to be approved and are now simply trying to buy themselves time until XXXX XXXX when my account gets moved over and they no longer have to answer to me. It does not make any sense how my plan was approved but then denied due to me not being in compliance when the plan had not even started yet. I am suspicious they are committing fraud and I want this to be investigated immediately. I need your help! I do not want to lose my house. Thank you.
Product: Debt collection

Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address. 

XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency? 
Name : Enhanced Recovery Address : XXXX XXXX XXXX. 
XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX. 

6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. 

The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery.
Product: Mortgage

My monthly payments are extremely high in relation to my balance Im paying XXXX XXXX monthly. 
There is equity in the home that Im unable to access for roof and basement repairs Unable to secure reasonable homeowners insurance coverage because the roof is in disrepair for recent storm. 

The basement is flooding because of storm drains under the home
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ACCT XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Due to improper information on my account Experian denied to follow up on the investigation. I was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my results! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory be removed or corrected immediately and its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws
Product: Student loan

There 's a few things XXXX XXXX/ Navient has done to make paying off my student loans more difficult, and I think try to scam me out of more money. In XXXX I set up Auto payment to be paid on the same day of the month each month. On a regular basis they would change the date, often advancing it without notifying me. If I ever paid off more than was due, they would not notify me that it was just going against the compounded interest, not principle. After years of paying on time, not missing a payment, my interest rates are going up, and higher than the us market rates are going up, .5 % as opposed to .25 %. I 've paid over {$50000.00} in student loan interest and only {$25000.00} in principle, maybe. The fact that it 's compounded the way it is, I may just be reaching my principle. They will not work with me on changing interest rates, or any kind of settlement that will allow me to get a chunk of principle dept paid off. They 're just trying to keep me in debt for the rest of my life so they can make XXXX off a XXXX loan I took out. I think I 've been scammed.