23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card debt that was sold to the collection company " Portfolio Recovery ''. They reported the original debt to the credit reporting agencies, but they also created a duplicate account by changing the original account number by a couple of digits. This created a fraudulent duplicate account that falsely doubled my balance and has the credit bureau 's erroneously showing two collection accounts instead of one for the same debt which is harming my credit score much worse than the single valid account. I called Portfolio Recovery to inform them so they could correct the mistake. Not only did they refuse to correct the blatant fraud, they said that even if I paid the account that was valid, they would only report that the collection was paid, still refusing to delete the false account. Apparently they believe they're above the law and that they're free to commit any crime that they please. Pursuing litigation now. Hopefully the appropriate regulatory agency will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Student loan

I feel like I am being harassed by my student loan creditors. Shortly after I graduated from XXXX University in 2009 I was called numerous times a day by XXXX XXXX. When I looked at my phone I would have several missed calls and voicemails from persons from different numbers, at all times of the day. They would leave voicemails and disclose unappropriated information, some even making threating remarks if I did not call back. 
When I would attempt to call back, I would get the run-a-round with collectors claiming that I needed to make unreasonable payments of {$300.00} to {$400.00} a month. I would try and negotiate terms but feel helpless as if they were unwilling to work with me to come to some solution. 
I would make payments thinking, " anything is better than nothing " and still receive calls saying my payments were missed or late. This constant annoyance made it very difficult to actively fix my student loan situation. I felt personally targeted by many of the persons calling because they would imply that I was a " bad person '' because I was n't trying to settle my debt which is false. They would call my mother and father and leave voicemails. They have contacted my siblings and other family members after being told by myself and others to please stop. They have called prior places of work and asked personal information from my co-workers. 
The constant harassment I experienced causes me to feel paralyzed with fear due to relentless provocation. I am in the process of going through a 3rd party to try and settle my loans and repay for my college education. Although those calls stopped for a while, they have restarted again and have repeated called me in the same an hour, reached out to my family numerous times and also reached out my employer. Due to the fact I work in a XXXX it is forbidden for me to receive personal calls and Navient, once known as XXXX XXXX, has reached out to them several times. Not only is that embarrassing, phone calls are strictly forbidden and I could lose my job. I need help ... I do n't know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with  XXXX   XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account XXXX To Whom It May Concern : I am responding to your help with cerulean credit card complaint. while paying my account as Agreed, with auto pay. I was not notified the annual fee is coming due for {$150.00} charge, which put my credit card over the limit to {$2200.00}, with a minimum payment due {$240.00} by XX/XX/year>. I received a notice from the credit bureaus stating my credit scores dropped by XXXX points. According to the Bill passed by Congress last year, credit card companies can not overcharge their clients with inflated fees. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX had one of their techs come pick up equipment at my home and never sent a final bill and then all of a sudden a debt collection shows up on my credit report. I thought that was illegal!! Also, my bill was only {$350.00}, not {$580.00}!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent to disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then may be used in a tenant record, credit report and/or credit score for the resident. ( ii ) any authorization given to the Landlord and/or Landlord 's agent to obtain resident 's consumer report, which Landlord may use if attempting to collect past due rent payments, late fees, or other charges from Resident, both during the term of the lease and thereafter.

Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( XXXX, TransUnion XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of XXXX. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Product: Mortgage

I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.
Product: Debt collection

Hello, I have been called several times from Financial Credit Network, and have asked them to verify my information they have on file to verify its my debt. 

Have requested dates of when the statue of limitations expire. 

None of the info that I have requested has been confirmed by this company. On several occasions, they tell me they do not have the information. I've asked for the records they have to be noted that they have NOT been able to provide me with the requested info. 

The continue to just ask me for payment information and how to resolve the issue. Since the company is unable to verify the info, and keep calling me. I now feel harassed. 

Financial Credit Network XXXX XXXX XXXX Thank you XXXX XXXX XXXX
Product: Checking or savings account

Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id. 
The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed. 
In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys. 
The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us. 
The bank refuses to gives us the easiest way to recover the money that legally belong to us. 
The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )
Product: Checking or savings account

I deposited a check in the amt of {$19000.00} into Wells Fargo acct # XXXX on Friday, XX/XX/2018. On Monday I checked the acct & the funds were seen as available balance. I called the bank & spoke to a business acct agent & asked if the check was cleared. I was told yes. I also asked if there was any chance the sender of the check could stop payment or cancel check. I was put on hold & when she returned she said " absolutely not ''. Check is cleared for use. This entire call was recorded & the bankers verified when the conversations were heard at a later date. I then called my real estate broker & announced I was leaving their company to join another. He became very angry & as I thought would happen, tried to take revenge on me. In this case by stopping payment on a check I received for a closed deal on Friday. On Wednesday I went online to begin paying bills from the acct & noticed the entire check was stopped & removed from the acct. I immediately called the bank & spoke to several different people. I kept being told it wasn't their fault. My issue is the incorrect info that I was given by the bank agent caused me to lose the amt of the check. I depend on the bank to provide accurate information when I ask a question. They should know the guidelines & be educated as to how the business acct works with deposited checks. What if they amt was for a million dollars?? And I was told it's totally cleared & fine so don't worry? WF response was that they will do a better job in the future instructing their bankers??? How does that help me now? If I had been given accurate information, I would have taken a bank check, removed it as cash, etc. I would have had options. Being told fraudulent info caused me to lose the money & I asked for it to be redeposited into the acct by WF since it was their bogus info that caused the money loss. WF is refusing to make good on that check & the only response is they will better instruct their agents? Totally ignoring that the info they provide is incorrect & caused this issue. Again, I would like the total amt of {$19000.00} to be reimbursed by WF into the acct for their wrongdoing, misinformation & direct cause of money loss.

Thank you for working on my behalf to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  still contains fraudulent addresses and fraudulent information on my XXXX   file. XXXX  was notified well over a year ago that I was a victim of identity theft. My ID was stolen, my wallet was stolen and I am a victim someone has used my identity without my permission to fraudulently apply for checking and savings accounts. These inquiries XXXX  has listed are fraudulent. XXXX  won't send me an updated copy of report knowing this is fraudulent. They are damaging my XXXX score because of the fraudulent information being reported. They have fraudulent addresses from XXXX and XXXX on there as well as from XXXX which i have never lived at. I live in XXXX and have for the past two years. I am providing a copy of my identity theft report below. I am requesting that the Fraudulent Inquiries be blocked immediately per my consumer right as I have already filed these with the police department. I am providing you with an affidavit. Please update my XXXX file to block the numerous duplicate applications you are allowing on my file causing inquiries. These include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, - Which was already notified of the fraud and blocked it. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The fraudulent addresses are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. XXXX XXXX XXXX XXXX, tx XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. As well as XXXX XXXX Fraudulent inquiry. XXXX is fraudulent as well as XXXX XXXX XXXX XXXX.
Product: Debt collection

PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All  XXXX  credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all   XXXX   of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Product: Debt collection

ProCollect has never communicated or billed me ; however, the collections company has continued to submit an unknown 15-year old debt of {$160.00} to the credit bureaus. The collections account was added to my XXXX credit report in XX/XX/XXXX, which was subsequently disputed and deleted. Six months later, in XX/XX/XXXX the collections company added the same collections account to my XXXX and XXXX credit reports. 

I do not owe this {$160.00} debt. Even if by some mistake the 15-year old debt was valid, it would have been first delinquent in XXXX ( not XXXX as ProCollect is reporting to the credit bureau ) . This was 15-years ago and should not be filed with credit bureaus. 

A screenshot from my XXXX credit report is attached. Below are my comments specific to the unknown 15-year old debt of {$160.00} : I am unfamiliar with ProCollect, and I have never heard from them. 
I am unfamiliar with XXXX  XXXX XXXX ( Original Creditor ), and I have never heard from them. 
It looks like XXXX  XXXX XXXX, based on online research, is now at an apartment I lived at in XXXX, Florida from XXXX to XXXX ( XXXX XXXX XXXX ). 
My lease ended with XXXX XXXX XXXX in XXXX, and my balance was paid in full 15-years ago. I have never heard from the apartment complex since my lease ended in XXXX. 
Even if by some mistake the 15-year old debt of {$160.00} was valid, it would have been first delinquent in XXXX ( not XXXX as ProCollect is reporting to the credit bureau ) . 
I owned a home in Georgia in XXXX. 

I will continue to dispute this time-after-time as ProCollect continue to submit this unknown 15-year old debt of {$160.00} to the credit bureaus. 

I ask the Consumer Financial Protection Bureau to please help stop ProCollect from trying to harm my credit for this unknown 15-year old debt of {$160.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXXR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of XXXX XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I called XXXX XXXX to request a refund of a fee they were charging me that I had previously requested NOT be put on my mortgage statement as I had been in contract to sell me house since XXXX and the closing was scheduled for XX/XX/2018. Unbeknownst to me, the representative I had spoken to reversed my entire XXXX mortgage payment instead of just crediting me the {$7.00} that was erroneously taken out of my checking account. Upon attending our closing, and our title closer speaking with the representative from XXXX XXXX and receiving the closing figures, we successfully concluded our closing thinking everything was fine. A month later I received a notice from XXXX XXXX advising we were in arrears in our mortgage payment. I immediately contacted XXXX XXXX explaining that we had closed that account on XX/XX/18. They advised that they indeed saw the money for the pay-off of the mortgage however it was being held in a suspense account pending further investigation. I told them to expeditiously examine the issue and get back to me asap. After not hearing from them for over a week, I called the servicing center and spoke to an agent that informed me I owed them {$2000.00} for XXXX mortgage payment. I said that was incorrect as I was enrolled in EFT which automatically pays my mortgage. I was then apprised with the fact that XXXX XXXX had reversed the entire mortgage payment for XXXX on XX/XX/XXXX instead of crediting me the {$7.00} I had requested. I told them at no time was I EVER made aware that the entire XXXX payment was being reversed as I would not have allowed that to happen. They told me they would " look into this ''. I also advised them that THEIR AGENT gave the figures at the closing on XX/XX/XXXX which indicated that XXXX XXXX knew the payment was reversed and should have included that in the closing numbers. I then went back and forth with XXXX XXXX for several weeks regarding this disaster speaking with agent after agent and vehemently demanded that no action be taken with any credit agency until AFTER a full investigation of the issue was resolved as this was surely the fault of XXXX XXXX. I was assured by a supervisor at XXXX XXXX that indeed no action would be taken. In XXXX, I was notified by the credit agencies that our credit score had dropped over 200 points due to late payments on our mortgage! I again contacted XXXX XXXX demanding they reverse this negative report only to be told they can not. I am sure you know that a negative report against a mortgage is a killer to your credit. I have not been contacted by XXXX XXXX and am pleading for help with this company that has the absolute worst reputation in the industry.