23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phenix financial services has called me weekly for the last month from multiple phone numbers that show locally in XXXX Texas, or in that surrounding area. When I speak to the representatives at Phoenix, I am told there are multiple people in their system that have my phone number. Then I am told that they are going to physically remove my phone number from their system. After each such promise, I received another phone call the following week to collect a debt against my phone number but my name is not in their system. I put them on notice last week that this was fraud I put them on notice this week today that I was filing a complaint. I have had the same cell phone number since XX/XX/2013.
Product: Mortgage

I purchased my home in 1999 for approximately {$120000.00} ( + rehabilitation amount ). 
My mortgage was transferred several times. After 22 years of paying my mortgage, Mr. Cooper is reporting my remaining mortgage to be in excess of {$120000.00}. That amount is incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
XXXX Account # XXXX ( XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate my consumer rights. TransUnion continues to report inaccurate bankruptcy information after they claimed to have verified it. On XX/XX/2022 I sent a letter requesting a RE-investigation and method of verification with the specific details of the investigation. I received a letter stating that they are not required to. It specifically states, " unless you have additional relevant information that supports the change you are requesting ( ie a letter from the creditor or courthouse etc ). They then list the court as the furnisher. This is why I believe TransUnion did not investigate my dispute and just discarded it. My original dispute including the letter from the court stating they did not furnish this inaccurate and unverified information to TransUnion or anyone else. XXXX XXXX XXXX, Chair of the House XXXX XXXX reported that the consumer reporting agencies are not fulfilling their obligations to the consumer or the CFPB in accordance to the FCRA as evidenced by insufficient investigations or accepting findings of furnishers without an independent investigation. My dispute is exactly XXXX of these examples. I am enclosing my letter I sent on XX/XX/2022, the false and misleading response from TransUnion, the letter from the court, a copy it showing on my consumer report, and my driver 's license as proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for XXXX  and Trans Union but the credit bureaus point to XXXX XXXX XXXX XXXX   points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not resolved and has gotten worst Transunion is now reporting over 22 accounts as delinquent with XXXX XXXX and they are all account already paid off and never was included in the bankruptcy. 
I spoke with the creditor XXXX weeks at XXXX XXXX XXXX and they said the only acct that should show as included in bankruptcy and discharged and closed is below, and now since this investigation Transunion has added a total of 22 accts from member first that were previous paid off and closed and current and never included in bankruptcy. 
the creditor XXXX XXXX rep called Transunion and told them this information is wrong and they have not corrected it yet. All the other account need to be deleted and only the below accounts should show ad included in bankruptcy and paid off and discharged XXXX XXXX XXXX XXXX accounts included in bankruptcy only 1. Act # ending in XXXX $ XXXX- dates XX/XX/XXXX thru XX/XX/XXXX- Pay day loan Total for both account # {$5400.00} 2. Act # ending in XXXX $ XXXX dates XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 1of 2 3. Act # ending in XXXX {$4400.00} dates- XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 2 of 2 4. Act # ending in XXXX $ XXXX dated XX/XX/XXXX thru XX/XX/XXXX- Holiday Loan
Product: Credit card or prepaid card

i bought items from amazon.com these items were to be credited, amazon says they credited them but synchrony bank claims they didn't. i disputed the full balance and they still haven't done an investigation or they did but never sent me a decision. they keep calling me from different phone numbers all day and all night. there not even calling from the u.s. they still haven't given me a decision letter. they also will not talk to me if i record them. they have hurt my credit report by 70 points not allowing me to refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not dispute anything on Experian online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

Experian and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Product: Checking or savings account

I opened a savings account with Citizens bank. They accepted my deposit and then abruptly closed the account without returning my deposit. 

Finally, after a year of Citizens refusing to return the deposit, they finally only returned the original deposit. 

Since they held my funds to use at their will and denied me access, Citizens owes me interest on my deposit. 

Also, although Citizens refuses to engage with me as a customer, they continue to mail me promotional offers. I have repeatedly stated in writing I want to be removed from their mailing list.
Product: Credit reporting or other personal consumer reports

Recently the dispute that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) regarding the validation of the below accounts, they show validated and belonging to me on their records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned. Transunion as well as XXXX.
Product: Checking or savings account

On XX/XX/2020 account was unavailable to access funds or manage account. Contacted customer service at XXXX at XXXX XXXX EST to only be disconnected. This is the second time I've had issues with this account under these circumstances. I'm also considered a " preferred client '' with this financial institution. Due to the inconvenience of my not being able to access my account or speak with a trade desk representative, I was unable to properly manage my account and execute an investment trade today resulting in loss of financial gain. I wish to seek compensation. Access to account was unavailable both mobile and desktop applications.
Product: Credit card

Best Egg Financial did not investigate or report ( XXXX 's ) card not present transactions beginning on XX/XX/2023 which are still ongoing. 

Spoke to Merchant - XXXX XXXX on XX/XX/2023 - at the direction of Best Egg Spoke to local police - on XX/XX/2023 at the direction of Best Egg Spoke to XXXX ( debit card/checking account ) - XX/XX/2023 Spoke to an attorney who advised me to follow the direction of Best Egg. 

Best Egg Credit Card - Issued by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD provided only a hotline ( XXXX ) XXXX which was often unreachable during business hours. Each Best Egg representative would not provide their title, last name, or an escalation contact. Any attempt by myself to validate the legitimacy of the organization was dismissed and resulted in me having to provide additional sensitive information during a fraud investigation. To my knowledge, no record of prior phone calls where maintained by Best Egg although this information was transmitted via telephone on a record line. 

Case number - XXXX
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting agency is not reporting accurate credit history, that I have established credit, and inaccurately reporting that I have a collection/judgement on my report. This is based on information I received from an adverse credit decision that was not approved due to this report. I am current with all of my accounts, should not have any collections to be owed in my reports, or judgements.
Product: Credit card

I recently consolidated all of bills and regular payments through an account with XXXX. I have been using this account for my mortgage, utilities, credit cards payments, etc with no issues. I updated my capital one auto payments recently. They payments were returned and i thought it was an error so I resubmitted them. After they were returned again, I called capital one to find out what the issue was because I have used my brokerage account for other card payments. They told me the payments were returned by XXXX because the account is not transactional. 
I made a payment over the phone via another account and adjusted my auto pays to a different bank. Immediately after, capital one restricted all of my accounts and sent me fraud letters stating that they were permanently closing my accounts because I was not meeting their expectation as a customer and accusing me of fraud ( via the title of the letter ). 
I am complaining because they barely gave me the chance to correct what may be a completely administrative issue on the side of either bank. I did not try to defraud them - I made a good faith effort as a consumer and they immediately assumed fraud. I would like them to reopen my accounts so I can close them myself and I would like the totally unsupported accusation of fraud removed from my records. They jumped to conclusions even after I explained what happened. 
This had been a terrible customer experience and even getting a human on the phone was no help because they just read the fraud letters word for word.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX Closed amount {$1200.00} XXXX. 
XX/XX/XXXX Closed amount {$150.00} Capital one bank USA N XX/XX/XXXX Closed amount {$480.00} Capital one bank USA N XX/XX/XXXX Closed amount {$460.00} I am a victim of a fraud and I only have XXXX  XXXX XXXX  and XXXX XXXX card and XXXX XXXX as my cellphone carrier nothing else All three of my scores should be in the 800s XXXX  XXXX  and XXXX  right now and they are reporting and updating my scores wrong 1 by 1 score and I am not happy about this!!!! Please fix my request thank you
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$27000.00} XXXX XXXX XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$27000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$27000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Collection company is reporting fraud/identity theft to my Credit Reports : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Please close and remove off my credit reports
Product: Debt collection

After receiving a form of relief for being once again a victim of identity theft, an unknown company has once again resubmitted an deleted debt which resulted from identity theft, the company name is Jefferson Capital System the amount is {$6100.00} the company has continuously reported and relied upon inaccurate information to deform my identity. This has become an huge headache and is very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
Product: Debt collection

XX/XX/2022, Portfolio Recovery. Provide your collection agency permit number for South Carolina.
Product: Bank account or service

I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.
Product: Vehicle loan or lease

To whom it may concern : I have requested the True Bill of Sale or Contract that was made between company and entity XXXX XXXX. I have made this request several times. 

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 


I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 

If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. 
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XXXX XXXX XXXX  under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Product: Student loan

I am currently unemployed and do not qualify for unemployment benefits. I have explained this to XXXX   multiple times and they simply state they can not help me and that my loan with default in 180 days as i have exhausted all my possible benefits such as their MPT program. I made timely payments when employed. Now that I am unemployed they want to increase my monthly payments from {$730.00} to $ XXXX  monthly.