23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent XXXX other complaints through this form and nothing has been done. I have received another call from a XXXX from a XXXX XXXX from an Advanced Portfolio Group. He goes on to say he is needs statement as he is a pre-legal and it is part of his job. He also called me work, again, after I told this place not to call me last week as it is not allow and my voice mail is shared. This XXXX XXXX also called my ex-husband with personal information. They are not allowed to do that. They already know my contact information, so they are not supposed to be calling family, work and long lost ex husbands. I called XXXX XXXX, who is the original debtor. They told me they sold it to XXXX XXXX XXXX Collections. I looked them up. They are licensed in XXXX. I have not heard from this XXXX XXXX place yet. I called the XXXX and a man stated, " hey this is XXXX ''. I said, " what company is this ''. He stated, Advanced Portfolio Group. I mentioned he did not stated his company when he answered, that was a reg flag. I told this XXXX about this XXXX XXXX character, repeatedly calling my work ( XXXX times last week ; including a XXXX XXXX XXXX right after I told the lady at this Advanced Portfolio Group to quit calling me at work and I would wait for a validation letter ) and harassing me and now harassing my ex husband.I asked again to this XXXX not to call my work or anyone else except for the contact home phone they had. I also mentioned that I called both XXXX XXXX and XXXX XXXX and they do not know whom Advanced Portfolio is. XXXX stated, " oh they must be part of XXXX XXXX XXXX, as we are like a sub company ''. I stated I am going to look into this more before I do or say anything else. This XXXX stated he would call me back in a weeks time, but the other calls will stop and this XXXX XXXX will be talked to and reprimanded.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my credit report that's the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a apartment rental lease opened at XXXX XXXX on XX/XX/XXXX that resulted in a collection in the amount of {$4600.00} to XXXX XXXX XXXX, an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$26000.00}, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that resulted in a collection account with XXXX XXXX XXXX in the amount of {$3300.00}, another fraudulent personal loan at XXXX XXXX on XX/XX/XXXX, and lastly a phone loan from XXXX XXXX XXXX in XX/XX/XXXX that resulted in a collection with XXXX XXXX XXXX. These accounts have been the result of several fraudulent collection accounts appearing on my consumer FICO credit report. I do not recognize these accounts and collections as reported. The aforementioned accounts and collections showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO CFPB PLEASE TAKE NOTE OF THIS DISPUTE ATTACHED TO THIS COMPLAINT. THIS DISPUTE WAS RECEIVED BY EQUIFAX XX/XX/XXXX IN WHICH I SPECIFICALLY POINTED OUT AND SHOWED VIA MY CONSUMER REPORT THAT HAD ERRORS FOR ACCOUNT - XXXXXXXX XXXX XXXX- WHERE I SPECIFICALLY STATED AND SHOWED THE ERRORS FOR PAYMENT HISTORY REPORTING A 30 DAY LATE IN XX/XX/XXXX ; HIGH CREDIT BALANCE REPORTING INACCURATELY ; THE CREDIT CARD NUMBER BEING REPORTED INACCURATELY. THESE WERE THE SPICIFIC ERRORS I DISPUTED BUT EQUIFAX DISREGARDED MY DISPUTE AND DISPUTED COMMENTS IN THE REMARK SECTION WHICH WAS NOT PART OF MY DISPUTE THAT I MAILED IN. SO I AM SUBMITTING THE SAME DISPUTE THRU CFPB PORTAL FOR THE SPECIFIC DISPUTE ERRORS THAT I AM REFERENCING IN MY DISPUTE AS REQUIRE BY THE LAW IN 15 USC 1681i
Product: Credit reporting or other personal consumer reports

I am writing to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error and after the submission of the required FTC report and the Police Report that I filed on my local Police Department. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. Please DELETE the account below : XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

Ive Opt Out of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX are telling me that theyre still getting my information my credit information from XXXX XXXX XXXX XXXXXXXX, etc. my accounts are being closed are closed and I dont understand what the XXXX major credit bureaus are getting my information from when they are sending me letter stating that they are still getting my information from these Credit monitoring companies.
Product: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX to Loancare on XX/XX/19. Previously, our autopayment of {$2200.00} with XXXX XXXX XXXX  was taken out of our savings account on the 1st of every month. When Loancare had not withdrawn the auto payment by XX/XX/19, I mailed a physical check from my checking account to pay our XXXX mortgage. On XX/XX/19 Loancare tried to process our autopayment. Because the funds were not available in the account we were charged a {$30.00} NSF fee. I moved money to the account to make sure it would not be overdrawn again. Two days later Loancare retried the autopayment on XX/XX/19 and the funds were taken out of our account. In addition, on XX/XX/19 Loancare cashed the physical check I mailed. However, only one of these payments posted to our loancare account. In the past two months, we have been trying to contact customer service to identify which payment posted to our account and request a refund of the payment that did not post. We have made 5 phone calls to loancare ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ) and spent approximately 1 hr and 15 minutes on the phone with customer service. We have also sent four separate e-mails to payment research as requested by customer service reps with documentation showing that both payments were withdrawn ( e-mails sent XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ). As of today XX/XX/19, Loancare has still not been able to tell us which payment posted to our account ( the auto payment or the check ) and has not refunded us nor applied the missing payment to our account. We have also been lied to, being told a check was mailed to us, when in fact someone else told us the next week that it was not. We just want the money that is ours either refunded or applied to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote experian several times asking them to remove inaccurate information and accounts that appeared on my credit profile, I am stressed and concerned that I am fighting a uphill battle alone against XXXX XXXX XXXX. Its not fair loosing sleep at night knowing you are a noble citizen of this great country. I have been failed the law is definitely not on the side of he American public, Im ashamed and very disappointed to not have the support that I ask, these inaccurately decisions made by the credit bureau should not be a final say, it should not take the credit bureaus over 69 days to investigate and choose not to inform me of the investigation
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 AN ACCOUNT WITHO
UT MY WRITTENINSTRUCTIONS.
Product: Credit card

I am a victim of identity theft. I learned in XX/XX/XXXX in a phone call with a Capital One Representative that my personal information was used to open XXXX credit card accounts at Capital One, which are now closed and charged off. Furthermore, in this same phone call, I learned that my personal information was used to open XXXX checking/savings card account at Capital One. 

I did not open or authorize any of these accounts. I have disputed the XXXX credit card accounts opened in my name with Capital One on numerous occasions, over the phone. I have also mailed in dispute requests regarding these same fraudulent accounts on XX/XX/XXXX and XX/XX/XXXX, the latter of which I also requested a validation of the debt alleged to be owed and associated evidence associated with the accounts in question. On XX/XX/XXXX, by letter, Capital One indicated they could not provide me transaction history associated with the account and failed to respond to sufficiently to my other requests for documents that they have allegedly connecting me to the debt. They did, however, provide the dates on which payments were made on the accounts and the amounts in question. 

As such, then again on XX/XX/XXXX, I disputed these accounts again. However, in this mailed dispute, I provided my own bank account transaction history on the XXXX days they allege someone made payments on the fraudulent accounts. This bank account transaction history - - my only bank account - - shows no payments made to Capital One on the dates they suggest, demonstrating I did not make the alleged payments and reinforcing again that these accounts are the product of identity theft. 

Furthermore, on XX/XX/XXXX, I also disputed the debit card account, by mail, which was opened in my name, fraudulently, asking them to close the account which I had no knowledge was created. 

Because I sent this XX/XX/XXXX dispute through the Certified Mail, I have proof that Capital One received the dispute request on XX/XX/XXXX. It has been 32 days since Capital One received the dispute and nearly 38 days since I mailed them the dispute and I have not heard any result regarding the dispute of this investigation. In fact, I have heard from the XXXX major credit reporting agencies that Capital One continues to report the debt as valid, but has failed to 1 ) respond to my dispute request in a timely fashion, and 2 ) failed to provide sufficient documentation, such as a contract ( with a signature ), transaction history, and more, they believe connects me to the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern , I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN EARLY XXXX XXXX XXXX I MOVED DOWN TO XXXX SO I CHANGED MY ADDRESS  SINCE I WAS MOVING TO XXXX  . ALL OF MY ACCOUNTS SWITCH OVER TO MY XXXX ADDRESS WITH NO PROBLEM AND MY CREDIT REPORT CHANGED TO MY XXXX ADDRESS.  WAS IN XXXX FOR 3 WEEKS DIDNT LIKE IT SO I MOVED BACK HOME TO XXXX XXXX I WENT TO THE POST OFFICE IN XXXX TO HAVE MY MAIL AND MY ADDRESS CHANGED TO MY HOME ADDRESS IN XXXX WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX  AND I WENT TO THE POST OFFICE IN XXXX XXXX XXXX  TO HAVE MY MAIL SENT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. . I  CONATACT ALL OF MY CREDITORS WITH THE NEW ADDRESS AND THEY SHOULD OF UPDATED MY ADDRESS TO THE CREDIT BUREAU . THE ONLY REPORT THAT IS NOT UPDATED IS EQUIFAX. I SENT THEM MY INFORMATION THROUGH THE MAIL 3 WEEKS AGO AND STILL NOTHING BEEN CHANGE . I EVEN CALLELD ON THE PHONE AND I AM GETTING THE RUN AROUND. EQUAFAX STILL SHOWS MY CURRENT ADDRESS ON FILE AS XXXX NOT XXXX  SO IF I WAS GOING TO GET MAIL FROM EQUIFAX IT WOULD GO TO XXXX AND YES INTO SOMEONE MAIL BOX . WHICH IS NOT GOOD. . IVE BEEN TRYING TO SIGN UP AGAIN FOR A EQUIFAX MONITOR SERVICE  WITH MY CREDIR CARD WHICH I CANT BECAUSE THE ADDRESS ON FILE WITH EQUIFAX DOESNT MATCH WITH MY ADDRESS WITH MY CREDITORS  AND I MEAN ALL OF MY CREDITORS THAT ARE OPEN. I HAVE 9 CREDIT CARDS THAT ARE OPEN AND IT SHOWS MY ADDRESS IN XXXX NOT XXXX SO EVERY TIME I TRY TO USE MY CREDIT CARD I GET DENIED
Product: Student loan

Sallie Mae is refusing to grant me a forbearance on my student loan. I recently lost my job and have been pleading for assistance with obtaining a forbearance. They have threatened to report me delinquent to the credit bureaus. I have good credit and any NEGATIVE reporting will drastically affect my credit. 

Sallie Mae is blaming XXXX for having a block/freeze lock on my credit report file and this is the reason they are denying me a forbearance. 

XXXX stated there is no block/freeze on my credit report file!
Product: Debt collection

On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3.  XXXX  : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain.
Product: Checking or savings account

I found my Wells Fargo checking account {$1200.00} ( figure rounded ) overdrawn! After some research, I found that on 3 occasions, my account was overdrawn when a stimulus was deposited, so I was issued a temporary credit. All three were reversed and charged back to my account yesterday along with 3 overdraft charges of {$35.00} each. 
Since I was unaware this happening, not notified in advance and never authorized these credits, is there anything I can do? I spent hours on the phone today with the bank, being transferred 4 times and placed on hold up to an hour at a time, was " accidentally disconnected '' once but told there was nothing I could do each time. This will cause my daughter and I to be evicted and XXXX by the XXXX when rent os due. Do I have any options? 

Thank you,
Product: Debt collection

I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration
Product: Debt collection

On XX/XX/2024 I received a letter from resurgent capital services about a debt I told them to stop communication. 15 usc code & 1692c a states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a direct violation of 15 usc code 1692c a..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, XXXX XXXX
Product: Debt collection

In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. 

XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXX # XXXX / {$900.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with XXXX XXXX. 
When I looked at information I have not had any contact with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with XXXX  XXXX however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for XXXX XXXX XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX
Product: Debt collection

I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.