23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is a part of XXXX it is a cell phone service that they establish within their company that people could use actively alongside with a cable and Internet service. However unfortunately XXXX does not offer payment arrangements split pay options they only require you to pay the full balance of your monthly service plan and any device payment agreements. I unfortunately got laid off of my job in XX/XX/2019. I immediately contacted XXXX between XXXX and XX/XX/2019. I spoke with supervisors managers customer service representatives who told me the same thing they answered no. They told me that I could switch to their {$15.00} for every 1 GB plan and just monitor my use, be around Wi-Fi consistently or turn off my phone whenever I wasnt on it -- which no one ever is actively thinking to turn their phone off on a consistent basis. I merely told them to cancel my service. They then told me that since I am doing that that they were going to charge me for my last service plan plus my remaining device payment balance and any other taxes surcharges and fees I said OK. The last statement which is reflected through XXXX XXXX shows a balance of only {$1000.00}. I dont know when I first received a letter in the mail from the collection service originally was sent to XXXX XXXX XXXX and they stated that my balance was {$1300.00}. It is now in the hands of GC services Limited partnership with the same balance XXXX. Where are they getting the other {$310.00}?!? If it was because it was sold off to a third-party collector I never received anything in the mail explaining why it accumulated to that amount. I just received hey you owe XXXX you have 30 days to dispute this letter otherwise were going to report it on your credit! Oh here are your options to pay the whole thing!! 

I think it is just beyond ludicrous that I did my due diligence in trying to set up payment arrangements, payment options so as to not get my service canceled and they wouldnt budge they wouldnt allow me to do that they wouldnt allow one exception and because of this I now have this huge debt which I didnt ask for which I tried to avoid like what type of system is this and then to put it on someones credit report?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left )
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.
Product: Debt collection

Ally said over the phone that it was paid off after the wreck in XX/XX/2019. XXXX XXXX totaled the car out due to the wreck., So i don't understand why I have a balance. 
i was current on all my payments at the time. The car was XXXX XXXX paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Date XX/XX/20
Product: Mortgage

every year sinse 2014 i have paid my taxes in XXXX rather than XXXX as that is easier for me .also paying the appropriate penalty charges .no one ever told me that was aproblem till this year when rather than call me and inform me of the problem and give me the oppertunity to fix it, quicken loans forced me into an escro account that i dont want and can not afford. i called and pleaded with them to let me pay them for the taxes and put things back like they were before this misunderstanding ... there response was not no but XXXX no absolutely no exception and their decision is causing me financial strain and hardship in Theese Troubled Times Please help me dissolve this unwanted and unneeded escro account thank you sincerely XXXX XXXX
Product: Credit card

My credit is being damaged by the inaccurate and lack or report of my credit. It states that since XXXX I have a balance of {$1800.00} when in reality I have lowered my balance to about $ XXXX and it is not being reported at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX HC XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On XX/XX/2018 i received a phone call on my mothers cell phone from Portfolio Recovery. They stated that if I did not pay that I would be sued. Collections agent kept switching her story between telling me that the statute of limitations had passed, and that it hadn't passed and I was going to be sued because the statute was not up.
Product: Debt collection

I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX, & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to WAKEFIELD & ASSOCIATES , LLC who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, i am being judged before even getting an opportunity ; how injustice is this. please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was scammed by someone on XXXX  I had a gut feeling something was going to happened and in the middle of it I kept saying how I was uncomfortable I was with it but they kept reassuring that it was ok after I sent them the money ( XXXX ) I told them to leave me alone and not to ask me for anything I thought I was going to be ok well flash forward to Monday XX/XX/2020 I get a notification from my bank saying some money was deducted I thought well it was probably from stuff I had bought from the day before but once I checked it I was negative XXXX my heart dropped and I wanted to cry my eyes out I immediately called my bank ( bank of America ) and they said they couldnt help I had to contact the person that I sent the money to well that person obviously had already blocked me by that point Im upset with myself for being this trustful especially when I have a 10 month to think about Im just absolutely gutted and keep beating myself up
Product: Debt collection

XXXX XXXX 2022 XXXX LVNV FUNDING LLC I NEVER WORK WITH THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

was told it was be no credit check and no hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX  set XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am not swayed that XXXX XXXX  XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX with account number XXXX.
Product: Payday loan, title loan, or personal loan

The original amount of my loan was {$35000.00}, but with only a few months to go, Payoff began reporting that it was only {$3500.00}, NOT {$35000.00}. This made it look like I had paid off NEGATIVE 9 % of the loan and owed more on the loan than the original amount!! I initiated a dispute through the credit bureau, but Payoff reported the {$3500.00} original amount was correct?! I called and emailed repeatedly and they finally acknowledged the error, but now two months after my initial dispute they STILL havent updated my credit report! Their error dropped my score 28 points while I am trying to refinance my house and they dont make an effort to fix it? Read their reviews on XXXX  .... theyre very upsetting!
Product: Checking or savings account

In XXXX of XXXX my wife opened an online premium saving account with PenFed bank. I was added as joint owner of the account the same month through a process outlined in a branch by one of the tellers. In XX/XX/XXXX I began having issues with accessing the joint account online. At times the account would not show as one of my accounts with the bank. Other times the account would be reflected, but I could not make transfers or access the money. I was told that the process had not been completed correctly by staff and would be remedied immediately. Still, the problem persisted. I called and spoke with representatives numerous times between XX/XX/XXXX - XXXX, XXXX and each time I was assured that this was a technical error that would be remedied within 24 hours. As of XX/XX/XXXX this issue still has not been resolved. I have directed PenFed to wire the contents of this account to another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the data breach that occurred with Equifax, where my personally identifiable information was illegally accessed. I became aware of this upon the news of the massive data breach in the media on XXXX XXXX, 2017, and I confirmed via Equifax that my information was likely compromised. I have since placed credit freezes through all three bureaus but expect better accountability and oversight to be placed going forward, and that Equifax is held to account for this incredibly irresponsible and reckless action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Related to COMPLAINT ID : XXXX The company 's response was again - IRRELEVANT, because it does not address the security issue. It does not adress the issue of insecure user agreement that the company requires everyone to accept without warning how insecure it is, and the possible financial damage to individual that it carries. Even though response is irrelevant, it is further uses future date for me providing account " On XX/XX/2026 ''. This response further shows how insecure the company is.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, i reached out to XXXX XXXX for XXXX XXXXXXXX consult. I received a quote and i applied for credit. Was approved through several different companies but i chose XXXX XXXX XX/XX/XXXX. Even though, i havent had my XXXX, i started paying {$240.00} a month and paid a total of {$1400.00} before i cancelled the XXXX all together. I called XXXX XXXX about my refund and i also knew i was having to pay {$250.00} for canceling. It was told to me that someone from XXXX XXXX sent an email to XXXX XXXX letting them know i was canceling and wanted a refund. XXXX XXXX emailed me me back letting me know they was taking out the {$250.00} and i was getting {$790.00} refund. So i emailed asking what happened to the rest of the money. Still to this day no one will answer. I call back this year and i was told i was getting back {$680.00}. I called XXXX after the conversations with no success, nor any call backs. I want to know what happened to the rest of my money. I have every email and the contract.
Product: Mortgage

On XX/XX/XXXX, at XXXX XXXX, 2 hours after customer service chat was closed, NewRez sent us an email alerting us that they had not received XXXX 's mortgage payment. I immediately checked my bank 's records and confirmed that the payment had gone to NewRez and been negotiated on XX/XX/XXXX. I have contacted NewRez and supplied them a copy of the transaction history. NewRez I will be filing a Notice of Error with them tomorrow. 

It appears that the check may have been sent to another post office box than the one currently designated, which perhaps accounts for New Rez 's error. However, given that the check was made out to NewRez, contained my account number, and was negotiated, I believe the failure to credit my account is NewRez 's and not mine.
Product: Debt collection

This company is known for calling random numbers and trying to get Names and other information. They keep calling every day even when I have not debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a fraudulent account it needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and noticed the fraudulent activity. Please remove these from my credit report as they are hurting my ability to gain credit. Thank you.