23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed a complaint about Debt Recovery Solutions before, and they have responded. Unfortunately, they have not fulfilled the obligations of their response. The response was as follows : [ [ This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, 2020. In light of the information set forth in this complaint, we have closed this account in our office and returned the matter to our client for further review and processing. As such, you will not receive any further communication from our office concerning this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX ] ] The account has NOT been removed from the credit profile despite me disputing to XXXX, XXXX, and XXXX. This means that they believe the account is still " legitimate '' and can be collected on. This also means the account is NOT closed. This means they have NOT informed the credit bureaus to remove this inquiry. They must promptly do as they said they would.
Product: Debt collection

my wallet was stolen a few years ago out of my purse while i was traveling, since then my identity had been compromised and accounts and inquiries have been done in my name this is a identity theft dispute. ive tried reaching out to the company couldnt get the proper assistance ive even sent my supporting documents to the bureau and im not getting any response.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I received a text aroung XXXX XXXX  indicating that a XXXX XXXX had been paid with my checking account in the amount of {$5500.00}, to click Y to confirm or to call the number on the text. I called Wells Fargo immediately, Apparently, someone used my account number and routing number to pay their XXXX Credit Card in the amount of {$5.00}, XXXX. I have never had a XXXX card, much less made any payment to XXXX In my 20 years with Wells Fargo, it would be extremely rare for me to have {$5000.00} in my account, or ever make a payment for that amount. However, they let someone take my money. It is now the COB on XX/XX/XXXX, and I still do not have my money. They keep telling me XXXX hours, but then the next day it is XXXX hours. I have to go through more steps to identify myself to speak with them than the person who stole my money. If I go to the grocery store more than once in a day, or if I spend money out of town, they put a freeze on my account, but they let someone clean my account using only my account number and routing number which anyone can get off of a check I have written. Everyone I speak with seems as though they are reading off of a script, and I keep getting the run around.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries that weren't authorize by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  Portfolio Recovery .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection   agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are   not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as   " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b  ureaus.
Product: Money transfer, virtual currency, or money service

2022 XXXX XXXX and cash app investing portfolios and forms not authorized by me nor submitted by me. XXXX and XXXX accounts hacked stolen information and submitted in my name. Unrecognizable late 1099-B tax form and investing amounts. Link bank accounts and cash app account unauthorized charges. No explanations or contacts willing to disclose from each account. I disputed on my credit report and froze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX, Reference # XXXX Bankruptcy XXXXXXXX  XXXX, Reference # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> sent Cashapp payment to XXXX of {$50.00}. Cashapp address of no longer his active account There was no way to get my money back. I guess its just out there somewhere. Had to go pay them cash.
Product: Debt collection

My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. 

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. 

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Product: Debt collection

I mailed a letter to this collection company disputing that I opened an account with XXXX XXXX. I have used Prepaid XXXX XXXX for over 15+ years. I requested validation of this debt as well as told them it was fraudulent as it was not me. I do not own ANY PHONES or SERVICES with a XXXX XXXX account and to not post any negative marks to my credit reports for a debt I do not owe, and that it is a violation of the fRCA & the FDCPA ( Fair Credit Reporting Act & Fair Debt Collection Practices Act ) but, however they did just that! They reported this erroneous unvalidated debt to all three credit reporting agencies and this debt does NOT BELONG TO ME. 

I am hereby filing a formal complaint with you! 

Thank you
Product: Credit reporting or other personal consumer reports

Request to Remove Inaccurate Credit Information After reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. Validate AccounXXXX XXXX XXXX  { Account number XXXX } Please supply information on how you have verified this item. Since I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate to the fair credit report act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account { XXXX XXXX { Account number XXXX }, XXXX XXXX { Account number XXXX }, is not complete and it's not accurate. XXXXXXXX XXXX { Account number XXXX } open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XXXX XXXX, asking them to reinvestigate this XXXX XXXX I got the investigate back but noticed was modified or updated. So I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 U.S.C. Sec. 1681i ( 8 ). 

If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency- ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) of this section that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than XXXX business days after making the deletion. In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the respective creditor. Please remove any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( 8 ), you are required to complete this investigation within 3 days of receiving this letter.
Product: Mortgage

On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX and XXXX  have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score 33 points down stating that it is a new bankruptcy when it is clearly not the case
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX, a XXXX Investor at XXXX. I have recently suffered a loss in Coinbase.com. 
I have this account since XXXX. In XX/XX/XXXX, my account was unlocked for 1 month and half. After a lot back and forth with XXXX the account was finally unlocked on XXXX XXXX. On XX/XX/XXXX for the first time I went online to sign in, I watched in real time as my portfolio went down and down in value, ,from the time I logged in, to the time I that happened, it was XXXX XXXX And in those XXXX XXXX, there XXXX XXXX  with XXXX separate transactions. The rapid-fire transactions in this case consolidated all of my virtual currencies including bitcoin ( XXXX BTC ), ethereum ( XXXX ), litecoin ( XXXX LTC-USD ) into bitcoin cash ( BCH-USD ) XXXX XXXX XXXX approximately {$27000.00} ), then exported the funds to the external following account to XXXX After reaching out to XXXX they came the devastating news : XXXX said it was unable to reverse the transactions, attributed the loss to a SIM Swap -remote takeover, and advised him to report the matter to law enforcement. Reference Case # XXXX - My Account has compromised and has been hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date submitted XX/XX/XXXX XXXX wireless cellular phone Account status is closed XXXX Texas {$1700.00} Sent to fraud dispute twice and nothing is happening. Someone does have my info and this is not the first time a phone account has been opened. Atnt closed a account due to it being opened in another state by someone who is not me. I received multiple letters of accounts being attempted to open but cant due to a freeze. 

This account is NOT mine.
Product: Credit card or prepaid card

PenFed CU XXXX # XXXX On XX/XX/XXXX, my XXXX credit card from PenFed Credit Union was lost/stolen, while I was visiting XXXX, XXXX, XXXX. I noticed the card was not in my possession that same evening, and contacted PenFed to report the card as lost/stolen, and dispute any unauthorized charges that were on the card. There was one approved charge and a few declined charges on the card. The approved charge which I am disputing is the following : XXXX XXXX XXXX XXXX for {$12000.00} PenFed agents were quick to lock my card, request a replacement card to be sent to my address, and give me a credit for the fraudulent transaction. Starting from XXXX, I kept receiving calls from somebody named XXXX, from a standalone firm, and not PenFed, doing the fraud investigation on behalf of PenFed, which is in itself ridiculous ... why is my private financial information even being shared with a 3rd party without my consent?! She left me 2 voicemails on my phone, and I kept trying to reach her, every single time, calling the number she had left. However, I was unsuccessful every time, and I left her voicemails with all the information she might have needed including the police report number, asking her to contact me via phone or email, if she still needs to talk to me. Today, On XX/XX/XXXX, I noticed the charge has been reposted onto my account, which has made me furious ... I really hope this is just a mistake with their system. To solidify my case, I have filed the police report # XXXX, Officer XXXX, XXXX # XXXX. 

The unauthorized charges on the XXXX credit card that PenFed CU is refusing to reimburse me for is as follows : XXXX XXXX XXXX XXXX for {$12000.00} I, hereby, request that PenFed CU stand by its zero percent fraud protection guarantee, and make me whole. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX  XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.
Product: Debt collection

I've tried years to remove this. It's not mine. I don't have a contract with this debt collector. It's a certificate of indebtness why does this company not know the law and is still reporting it? I can't get any loans for my business. This collection has really done harm to my life.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuite against Experian, alleging systematic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.