23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/22 at XXXX EST, I received a call from ( XXXX ) XXXX while at work, which was a number I did not recognize. I answered the phone, and there was a woman who asked my name, and I confirmed it. Then she gave me the last XXXX of my XXXX and asked me to confirm it. At that point in the call I did not verify and asked who she was/where she was calling from. She would not answer the question until I asked for the XXXX or XXXX time, and then she finally told me she was calling from Portfolio Recovery. Since I was at work I disconnected the call, as I was familiar with them and was surprised they were calling, as I had asked them to stop calling before and even changed my number. They tend to call from a different number every time they call. At XXXX the same night, I called them back at the number they called me on and told them I would like to make a plan to pay the debt within the next few weeks but they need to stop with the XXXX  phone calls, giving them the example of not identifying themselves when they are asked to. The woman on the phone, who sounded like the same woman from earlier, proceeded to tell me that that is her job and this is what they are asked to do in their job, and that the phone calls will continue unless I commit to a payment plan today. I did not commit to a payment plan at that time because I did not want to validate the harassment tactics. That is why I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days.
Product: Credit reporting or other personal consumer reports

***This is not a duplicate request***** On complaint ID XXXX, Bank of America did not comprehend my request. On my XXXX and XXXX credit report where you will see attached below, I have a late payment on XX/XX/XXXX. In the same complete above, they stated that I made the last payment on XX/XX/XXXX of XXXX that satisfied my payments for that card. Why do I have a late payment on XX/XX/XXXX? That is incorrect reporting And need this corrected. This is not a duplicate request as they did not fully Investigate as to why I have a late payment from this year.
Product: Bank account or service

On Monday, XXXX XXXX, 2016, my son deposited {$500.00} CASH into a XXXX ATM which was to be deposited into my Citizens bank account. Thinking that because it was cash, it would be available for use the next day or, 2 days at the most. Two days passed and the funds were still not available. I called my bank, Citizens and they told me that these funds were " on hold '' and would not be available until Monday, XXXX XXXX, 2016. Not only that, but Citizens could not give me an explanation as to why they would hold a cash deposit for this long period of time. This money was to be used for a bill that was due, but since I could n't have access to my funds, this bill was paid late. My complaint is, I think that it is very unreasonable for Citizens to place " on hold '' a cash deposit for this length of time and not give me an explanation as to why.
Product: Debt collection

Dear Sir/Madam : At the outset please allow me to commend and thank you all at the Consumer Finance Protection Bureau ( CFPB ) of the fine and wonderful work you folks are doing on behalf of us, the consumers who are exploited and bullied constantly and routinely by the big bad boys ( and girls ) of the corrupt credit reporting agencies, ruthless debt collectors and greedy bankers/creditors. The fact that the Trump administration cut funding for the CFPB verges on the criminal ; the monetary cut it is totally unfair and unnecessary.

I sincerely pray the Trump team will reverse its decision and hopefully increase funding for the CFPB.

This is in reference to a collection account placed erroneously and illegally on my XXXX and XXXX   credit profiles by XXXX XXXX  of XXXX, CA, who bought the debt from XXXX XXXX XXXX.

Honestly, I do not recall obtaining a loan or credit from XXXX XXXX XXXX. So, I sent a letter requesting validation of the debt in question via certified mail with return receipt, to AWA on XX/XX/XXXX, and which was delivered to the recipient on XX/XX/XXXX. This, according to the USPS.COM website. The tracking number is:XXXX XXXX XXXX XXXX XXXX. To date I have not received any response from AWA. Their silence on this matter proves that the derogatory placed by AWA is illegal and in violation of the FDCPA and possibly the FCRA. The company did not delete the derogatory even though there are no grounds for it to be there.

In anger and frustration, I wrote to XXXX and XXXX about the non-response from AWA and requested them to delete the derogatory from my credit profiles. In violation of the FCRA the derogatory still exists on my above 2 credit profiles. The debt collectors and credit reporting agencies are in cahoots with each other against us the little consumers. They are very bad, ruthless, unethical and compassionless.

I am humbly beseeching you the powerful CFPB to reign in on these monsters in such a way that they follow the rules of law and not violate them every chance they get.

Please order XXXX and XXXX  to delete the collection account from my credit reports so I can move on with my life. This derogatory is like a huge wrench on my financial path. Additionally, I think, you have reasons enough to punish XX/XX/XXXX for breaking the consumer debt rules and laws.

Please note that I have uploaded for your review the communication that I had sent to XX/XX/XXXX on XX/XX/XXXX.

I thank you in advance for your time and efforts in this matter.
Product: Debt collection

I have been disputing this account for some time now with PORTFOLIO RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Checking or savings account

I have a 360 Performance Savings since XXXX and Capital One lied about the interest rate for this account and the CFPB has now sued them for this. Capital One increased the 360 Performance Savings interest rate from 0.4 % XXXX XXXX XXXX XXXX 4.35 % XXXX XXXX XXXX while it lowered and then froze the 360 Savings rate at 0.3 %.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.
Product: Credit reporting or other personal consumer reports

I wanted to follow up on the request I made to Equifax on XXXX regarding inaccuracies in my personal information on my credit report. Unfortunately, it seems that the request has not been completed yet. I understand that these things can take time, but I would appreciate an update on the progress and when I can expect the changes to be made. Thank you for your attention to this matter.
Product: Debt collection

Last year  XXXX   XXXX   XXXX  filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday  XXXX / XXXX / 17  that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.
Product: Debt collection

On XX/XX/2021 I had to take my daughter to XXXX XXXX XXXX XXXX for an emergency room visit. Since that visit, I have received monthly statements from XXXX XXXX, who I pay through their automated patient portal bill pay. In the patient portal I see billing for my daughter 's visit as well as my own medical bills. 

As of today, XX/XX/2021, I received a collection notification from Healthcare Revenue Recovery Group ( HRRG ) ( ref. # XXXX, letter dated XX/XX/2021 ) on behalf of FL XXXX XXXX XXXX XXXX XXXX ( Account # XXXX for {$160.00} ). 

I called XXXX XXXX XXXX and I was told that the emergency physician was XXXX XXXX and that he was with XXXX XXXX XXXX XXXX ( I do not recognize Florida XXXX XXXX XXXX XXXX XXXX XXXX ). According to XXXX XXXX, billing for the physician would be done by a separate XXXX XXXX team and that all bills would be displayed in my XXXX XXXX account with a specific 'access code ' for each bill. No additional bills were submitted outside of my daughter 's original bill, that I can see in the XXXX XXXX patient portal. 

I tracked down a number for Florida XXXX XXXX. XXXX XXXX XXXX and was directed to a company called XXXXXXXX XXXX ( XXXX XXXX. I called XXXX XXXX and asked why I was receiving a collection notification since all of my billing was done through XXXX XXXX and I never received a bill or any calls that I had any outstanding, unpaid balance. The XXXX XXXX customer service person told me their process is to send a statement and if they do not receive payment they send the account to collection. No phone calls are made. I explained that I was never made aware of any debt and that I should not be sent to a collection agency. I was told to call the collection company and make a payment. I asked to speak to a supervisor/account manager regarding this issue because I did not understand how I could be sent to collection for a bill that I never received. I was told someone would get back to me, I am still waiting for that call. 

I do not acknowledge this debt nor the company that has erroneously sent me to collection.
Product: Credit card or prepaid card

I have began to default on my American Express card. I am in the process of obtaining paperwork to begin bankruptcy. This week, several harassing phone messages were left on my parent 's home answering machine. I did not disclose this number, in any way shape or form, and I have not lived with them since XX/XX/1999. My wife 's parents were also called regarding this debt. My wife is not on this card, and her parents number has also never been disclosed. This has caused many issues within my family as well as my wife 's family. This has not come from a third party collection agency, instead directly from American Express.
Product: Student loan

I co-signed for my son to attend XXXX in XXXX received his XXXX XXXX and wanted to continue his education, a situation developed where he was unable to continue, he did not use or receive any funding nor myself.
Product: Checking or savings account

So my ex girlfriend who I had a order of protection against wanted till after the court order to call her bank XXXX and say a transaction of from 3 months ( XXXX ) ago was fraud she used to make me use her card to order or send people money because she didn't have a XXXX or she couldn't login to her account I made a police report and I have text messages from her proving this cash app hasn't refunded me
Product: Checking or savings account

The following were disputed and PNC won't reverse this also caused four fees of XXXX dollars for nsf which should have never happened. XXXX was withdrawn which I disputed they provisional credited XXXX they owe me XXXX plus XXXX in fees as follows On XX/XX/XXXX XXXX and XXXX on XX/XX/XXXX XXXX   XXXX and XXXX XX/XX/XXXX XXXX and XXXX   XX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX.  I've disputed with the company some are duplicate charges some were cancelled some didn't download I've removed all PNC cards from this company so they can not longer access our account. I want the money returned immediately or I will pursue further. All contact must be in writing
Product: Debt collection

XXXX SKIP TRACED AND ILLEGALLY RAN BACKGROUND ON MY WIFE FOR ALLY FINANCIAL TO WHOM WAS PAID OFF XX/XX/2015 AND KEPT HARASSMENT UP FOR DAYS AFTERWARD VIA CALLING MY CELL NUMBER XXXX IN VIOLATION OF T.C..P.A AND FDCPA AND FCRA NON VALIDATION OF DEBT ETC..SENT, THE NUMBER ASKED TO CALL WAS XXXX FOR CASE NO XXXX, NOTICE NO DATE XXXX
Product: Credit reporting

Equifax has my name wrong and accounts that are not mine on my file. My name is listed as XXXX and my name is XXXX Accounts added to my file I 'm unaware of are Online Collection Services # XXXX Rent Recover LLC # XXXX Diversified Consultants # XXXX and account # XXXX
Product: Consumer Loan

A debt collection company keeps calling me about an outstanding medical bill. They never tell me which company they are with. I have told them numerous times that they may not call me when I am at work and that they must call me after XXXX so that I can be off work when they call. They are still calling when I am at work and will call me XXXX times daily. I have told them I would be happy to pay the bill if they would mail me a settlement statement or some kind of paperwork saying the total will is all I owe and once I pay it will be paid in full. They are refusing and keep saying me they will send me a paper statement but I never receive one. They keep trying to coax me into paying over the phone. I told them I would be happy to send a check in but that I will not pay over the phone. They get mad and keep insisting I set up a phone payment for a later date. They still will not send me any kind of settlement papers or even a statement. I just got another call today while I am at work. They said they wo n't call me until after XXXX anymore but they keep calling before XXXX anyway. Usually around XXXX but sometimes early in the morning and sometimes at XXXX. They are not making it possible for me to pay them with a check and will not stop calling me multiple times a day. I am fed up and want to get them out of my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially applied to Equifax in XXXX to have a credit freeze placed on my credit file. In XXXX I requested and was given a replacement PIN for the freeze. In XXXX of XXXX I applied for a car loan but they couldn't access my credit file because of the freeze. I decided to have the freeze removed but could not immediately access my records with the PIN number needed to lift the freeze so I financed the car privately. 
Today I called Equifax, with documentation in hand, including the PIN, to request the freeze be lifted. Although I have a letter from Equifax dated XX/XX/XXXX which provides the replacement PIN and which references the original credit freeze date of XX/XX/XXXX, today XX/XX/XXXX Equifax tells me I have no credit freeze on my account. In my conversations with Equifax agents " XXXX '' and her supervisor " XXXX '' I was told I have no credit freeze, I never had a credit freeze, I did have a credit freeze, they don't know how or why the freeze was removed, the reason the car dealership couldn't access my credit must be a problem on the dealership 's end, Equifax no longer uses the PIN system and that is why they can't access any record of the freeze. They also refused to send verification that there is currently no freeze on my file. 

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Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account was suddenly closed after nearly XXXX years of business this XXXX. I have tried numerous times to get an explanation to what part of their policy I violated. I was never given a straight answer only repetitive answers that told me absolutely nothing to as what I'd done wrong. The company has placed a hold on XXXX some odd dollars and I don't know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a previous complaint regarding the reporting of XXXXXXXX XXXX XXXX fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Product: Mortgage

I am currently in a chapter 13 bankruptcy. I have paid my HELOC through my bill pay every month on time. My XXXX payment was refused. I called my bank to ask why and they could only tell me SLS refused it. I called SLS to see if it was an error and I was told it was not. I was told I had to mail in payments even though they have an electronic relationship with my bank because I am past due. I asked them how I could be past due and they advised me my payments changed to almost double in XXXX due to the HELOC resetting. My attorney nor the Trustee were notified of a payment change. My attorney states they are required to notify the court per bankruptcy rules. Now I owe my XXXX payment, XXXX payment and soon coming XXXX payment. I am holding off paying them until the Trustee advises my course of action.
Product: Debt collection

Hello, I've been submitting dispute letters to remove this fraudulent auto loan off my credit report and I have not gotten any responses. By law after 30 days you must remove debt if nothing been verified!
Product: Debt collection

I submitted a formal dispute letter to Equifax on XX/XX/2024 ( Dispute ID : XXXX ), regarding inaccuracies on my credit report. Equifax failed to respond within the legally mandated 30-day period, which ended on XX/XX/2024. Despite follow-up letters dated XX/XX/2024 and XX/XX/2024, Equifax has neither conducted a reasonable reinvestigation nor deleted the disputed items as required under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : Failure to Respond Within 30 Days : Equifax did not meet the 30-day deadline mandated under FCRA 611 ( a ) ( 1 ) ( A ). Their response on XX/XX/2024 through the CFPB portal is untimely and invalid. 

Failure to Verify or Provide Documentation : Equifax has not provided the requested method of verification or supporting documentation directly from original creditors, as required under FCRA 609 ( a ) and 611 ( a ) ( 7 ). 

Retention of Unverifiable Items : Equifax continues to report inaccurate and unverifiable information, including : XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX ( two accounts ) XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hard Inquiries Not Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Impact of Equifaxs Negligence : Equifaxs failure to comply with FCRA mandates has caused : Financial Harm : A XXXX credit score drop, resulting in higher interest rates and credit denials. 
Emotional Distress : Anxiety and stress from unresolved inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00}.