23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received dozens of phone calls from Portfolio Recovery Associates LLC, XXXX in XXXX XXXX, Phone # XXXX over the last 12 months. The calls come from phone # 's in area codes all over the US and all list a toll free # to call back. The numbers on caller ID appear to be " spoofed " but the toll free # does call back to Portfolio Recovery. They always leave a message regarding some debt to be settled and always call my ( XXXX ) XXXX #. When I've contacted the company they often say that I have no account with Portfolio Recovery and they have never called me. Other times they say they will remove my number from the call list- however calls keep coming ( 2 last week ). I have blocked any call from Portfolio Recovery so my phone # will not answer but records it as a missed call. I think Portfolio Recovery has a bunch of individuals who are representing the company and at least some of them are engaged in attempts to illegally collect debt. I believe the company is aware of these efforts but hides behind these " associates '' to avoid being sued.
Product: Credit card

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b,  any billing discrepancies should be promptly corrected and reflected accurately.
Product: Mortgage

Our mortgage was originally issued by XXXX XXXX starting in XX/XX/XXXX. Following a change in insurance providers in XX/XX/XXXX, we made a XXXX {$3000.00} payment to our escrow account that they incorrectly applied to our principle. We became aware of the issue in XX/XX/XXXX and called to get it corrected by XXXX. During that time in XX/XX/XXXX, XXXX sold our loan to SunTrust, and again did not get the escrow mistake fixed. In XXXX we received an escrow summary from SunTrust showing that we were still short. XXXX claimed they did not have any of the prior history on our account and said it was our problem to sort out. After many calls with both companies, XXXX got the escrow shortage corrected. 

We then received three letters from SunTrust, all dated within three days of each other. The first letter notified us that the escrow mistake was corrected and apologized for the inconvenience. The second letter notified us that we missed our XX/XX/XXXX payment and were now in default, despite the fact that SunTrust did not have our account in XX/XX/XXXX and we have copies of the XX/XX/XXXX mortgage check that was cashed by XXXX. The letter mentioned that we have 35 days to get this resolved. The third letter was on mortgage assistance since we were now in default and in jeopardy of foreclosure. 

The XX/XX/XXXX bill just showed up and now all the sudden shows we owe double our standard payment. All of our previous monthly mortgage bills from SunTrust showed we were current and our personal bank shows each check was cashed. When we called SunTrust to figure out what the issue was and where this shortage all the sudden came from, we were transferred around to multiple representatives but no one could explain what happened. Their customer service reps were severely lacking in information and were unable to troubleshoot or provide us any solid information regarding this matter. When asked to be transferred to a manager, they are never available and my wife and I have wasted multiple 45 min to one hour phone calls with no progress or explanation. We are still waiting on someone with SunTrust to pull all of the records, figure out were the sudden shortage came from, and call us back. 

We have explained multiple times to SunTrust that we will gladly pay any real shortage we may owe, but given their previous issues with applying payments correctly and miscommunication with our previous mortgage lender, we first want an explanation as to where this issue came from to make sure its legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XXXX/XXXX/2019 XXXX-Date of inquiry XXXX/XXXX/2019
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX XXXX XXXX XXXX & XXXX for XXXX Credit Reporting Practices Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX for unfair and misleading credit reporting practices that have adversely affected my credit score. 

In XX/XX/XXXX, I relocated from Maryland to California and promptly notified XXXX XXXX XXXX XXXX XXXXXXXX ) of my move, requesting the cancellation of my membership. Despite following the proper cancellation procedures, I continued to be charged for the membership fees, which led to an unjustified outstanding balance. This balance was subsequently sent to collections and handled by XXXX XXXX XXXX. 

Upon realizing the oversight, I paid the full amount of around {$200.00} in XX/XX/XXXX. However, this collection account was reported to the credit bureaus, resulting in a 3 plus point drop in my credit score. This negative entry remains on my credit report, despite my immediate action to rectify the situation. 

As a recent graduate who is working to establish a stable financial footing in a new state, this significant drop in my credit score is a major impediment. It is deeply concerning that a minor billing error on the part of XXXX XXXX which I addressed in good faith, has led to such a lasting SEVEN YEAR negative impact on my credit report. 

I am requesting the CFPBs intervention to have this collection account removed from my credit report. I believe this situation is a clear case of unfair credit reporting and that I have been penalized unjustly. I have attached copies of all relevant documents, including proof of my move, my cancellation request, and payment of the outstanding balance. 

Thank you for your attention to this matter. I appreciate your assistance in helping to rectify this issue and restore my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. How can this account show the payment status of 30 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. XXXX and XXXX Credit Bureaus are also reporting this company to be the owner of the debt when they are not! The account was purchased by another lender. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history for me to review the exact date on which the late payments were posted but NO changes were made. NO investigation was conducted at all. You can validate this information by investigating the matter, please do so and remove the defamatory information they are currently reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 under the account number ( XXXX ), an account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), and secured loan opened at XXXX on XX/XX/XXXX with a balance of {$720.00} under the account number ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 US 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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When I first started the account with Wells Fargo. I had no problems making the due date for the credit card. At first, Wells Fargo stated my payments would be changed. I responded by asking Wells Fargo for help by changing the date for payments back to the original due date. Wells Fargo could not comply and stated the due date for the bill would change. The due date was changed from the third week of the month to the first week of the month. In response to its request, I moved my payment dates at XXXX XXXX  to the first of each month. Despite the change to the earlier delivery date, Wells Fargo charges me {$31.00} in late fees making it almost impossible to pay off the balance monthly.
Product: Debt collection

I am formally disputing and requesting the permanent deletion of a collection account reported by Elevate Recoveries LLC from my credit report. The account in question is inaccurate and has been causing significant harm to my creditworthiness. 

I am disputing this account based on the following violations of consumer protection laws : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation requires debt collectors to provide specific details about the debt, including the name of the creditor and the amount owed. Elevate Recoveries LLC has failed to furnish the necessary information in accordance with this requirement. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This rule mandates that debt collectors disclose information about the consumer 's rights, including their right to dispute the debt. Elevate Recoveries LLC has not adequately informed me of these rights, thus violating this regulation.

3. **12 CFR 1006.34 ( d ) ** : This provision outlines the need for debt collectors to substantiate the debt with proper documentation upon request. Despite my repeated requests, Elevate Recoveries LLC has not provided the required substantiation, which is a direct violation of this regulation.

4. **15 USC 1681s-2 ( a ) ** : According to the Fair Credit Reporting Act, information furnishers must ensure the accuracy of the data they report to credit bureaus. Elevate Recoveries LLC has reported inaccurate information to the credit bureaus without conducting a reasonable investigation into its validity, breaching their duties under this statute.
Product: Checking or savings account

I received a letter from XXXX dated XX/XX/year> that an ACH payment from a TD Bank account was returned for insufficent funds for {$19000.00}. Once I read the letter I called them to let them know one I don't have an account with XXXX XXXX and two I never had a TD Bank account. They couldn't do anything beacuse I had no account information for such account. Fast foward to today, I received a statement from TD Bank with an account number and the transaction that was returned for insufficent funds. I called TD Bank today to report this. They informed me that I should contact the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with both Equifax and XXXX / XXXX XXXX multiple times. I have requested proof of ownership but it has never been provided. I have been told by the original creditor that the account has already been closed and the collection should have been as well. They also said to request Proof of Ownership from the collection agency as they said they had none. To date, nothing has been provided. 
I have provided police reports and Affidavits of Non Ownership to both the collections agency and to Equifax but the account has not been removed. Attached to this dispute, please find a police report mentioning the original creditor XXXX XXXX and the most recent Affidavit of non ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Debt collection

My judgement is for {$8000.00} + 5 % annually. My debt was purchased by Cavalry SPV. I have paid {$1000.00} in total payments. They tell me my balance is {$8300.00}. They will not tell me my beginning balance. And wont tell me where my payments have gone.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, MD, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Product: Money transfers

I was tricked into being hired by this work from home company. They called themselves XXXX. The contact I dealt with was named XXXX XXXX, which is probably a fake name. They he told me they would pay for the expenses for me to start. A couple days later i received a check. I deposited the check which was addressed from another company ( XXXX, and XXXX ), and under instructions by my contact with this fake company I withdrew about XXXX dollars and transferred it to this other person. This is a scheme and they took advantage of someone who needed a job. I want to know if i can retrieve this money back to pay back then bank when the check does not clear.
Product: Vehicle loan or lease

I did surrender my vehicle on XX/XX/2018. I thought if i surrendered my vehicle that was that. I've heard many people tell me that once it was repoed you don't have to worry about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a cashiers check into my account on XX/XX/XXXX. My account was closed by Chase bank on XX/XX/XXXX by there fraud prevention department. I was informed I would receive a check in 10 to 15 business days. The check never arrived. I went into the branch I opened the account at to get a status, I was told for 3 weeks in a row that they were verifying the check and would send a tracking number. We are now 6 weeks into this and I still have no money. I have now incurred numerous financial hardships due to this. I have been getting the run around from Chase for almost 2 months.
Product: Credit card

I received a letter saying that starting XX/XX/year> they will start to charge a {$1.00} fee for paper statements. I dont think its unreasonable to ask for a paper statement as not everyone is online all the time and we need to check our accounts for fraud. Plus if I need to mail them a check to pay my balance I dont have the payment stub to send my payment with.
Product: Credit reporting

To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, XXXX XXXX XXXX