23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving calls for months however no one leaves a message on my voicemail. My phone provider provides scam screening and shows the calls from this number XXXX as spam. For the first time on Wednesday, XX/XX/2019 Direct Recovery calling from XXXX left a detailed message on my voicemail. 
The calls are for someone else and even after I notified them that this is the wrong number the calls continue. They are leaving detailed messages of someone else 's debt information on my voicemail. When I called the first time I spoke with a woman who refused to give me her name and then she hung up on me. 
The second call I made to them I spoke with a Mr. XXXX who asked me for my number and then tried to get my information AND told me to give the phone number and his ext to the person it was intended for.Still as of date Direct Recovery continues to call my phone multiple times a day. Sometimes leaving a very detailed message and sometimes no message at all. It is unclear how this company has MY PHONE NUMBER.
Product: Credit card

I closed my secured credit card, for which they were holding a {$1000.00} security deposit, with Capital One 2 months ago. The company advised I would have to wait XXXX billing cycles for my security deposit to be refunded. It has not been refunded and I have been quoted XXXX days for the refund. They are holding my money XXXX and I would like it back please.
Product: Debt collection

XXXX Physically signed a letter with the apartment complex itemizing what I was paying for which included a garage. This was for a short-term lease ( 9 months ) XXXX Apartment sold and under new management XXXX XXXX Moved out of an apartment after paying for the full month back in XXXX XXXX Email response to the new management to their claim that I owed an additional {$380.00} XXXX Notified by National Credit Systems that the alleged debt is now under collections XXXX Letter to NCS regarding their information appears fraudulent and I disputed its accuracy. That agreement showed no garage was being rented. 
XXXX Notified by XXXX  that they are reporting this ( disputed ) collection in my credit report. 
XXXX Talked to XXXX  about this disputed issue being reported. I was told they blindly accept any agency 's claim as being truthful and accurate. They bare no responsibility to even ask if claim is disputed. 

My attempts to talk to NCS about results in the same way, they ask if I am going to pay or not. I told them " no it is a disputed claim '' and they immediately hang up. They refuse to listen as to why. In my opinion NCS is using the credit reporting agency as leverage to force payment ( bullying ). And XXXX  has no idea what records the agency is withholding from them such as the consumer is disputing this claim. They blindly trust the agencies as the claim is both accurate and not contested.

ALL Credit Reporting Agency 's must take a simple step to ensure the claim being reported to them is not being contested by the consumer by simply asking that very question. Truth and Accuracy matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no need for verification. mu first complaint asked for validation not verification, please send me validation actual proof with my wet ink signature Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.
Product: Credit reporting or other personal consumer reports

Contacted company to provide original documents of said delinquent account. Have sent XXXX dispute letters to rectify issue. Complaint has been unsuccessful.
Product: Mortgage

XX/XX/XXXX I applied for the TX HAF Program and I was approved XX/XX/XXXX. 
The company has been trying to reach out to setup payments to make the mortgage current and they have refused to reply per the TX HAF Company they sent me a letter staying that Chase was not responsive and they have now 7 days left for them to reply. 

Please have them call the call center @ XXXX This assistance will bring everything current. 

Chase stated that they transferred the loan to XXXX BUT this is something that can only be done buy the trustee. FYI As of today XXXX has no account with me XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XXXX XX/XX/2022- I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
Between XXXX XXXX XXXX  I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to fraudulent investment firm ( s ).
Product: Credit reporting

Experian has a habit of reporting incorrect addresses on my credit file currently they are reporting me to have the following address and they ALL ARE NOT MINE - I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES XXXX XXXX PA XXXX ( this was deleted before and now reinserted ) XXXX XXXX PA XXXX XXXX XXXX PA XXXX ( this is never my address this is a business ) XXXX XXXX PA XXXX XXXX PHILA PA XXXX NONE OF THESE ADDRESSES BELONG TO ME
Product: Credit reporting

all XXXX credit reports have a state tax lien that does n't belong to be. {$1200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I booked a flight with XXXX for my son and I to go to XXXX ( {$3300.00} ). The pandemic then happened and flights were being cancelled. I called Chase on two matters, one being the fight and hotel to XXXX, in XX/XX/2020. I spoke with a representative who stated she was working from home. She told me to reach out to the merchant to rectify the situation. At the time of her telling me this, everything in NJ was closed ( that is why the rep was working from home ). Since she knew everything was closed I thought she was suggesting to wait for things to open up. So I waited. And the governor kept pushing back the date we open. When we did open back up got notified that XXXX is no longer in business and to contact Chase. I contacted Chase on XX/XX/2020 and made a claim and was refunded the money ( {$3300.00} ). 
On XX/XX/2020 Chase did a reversal and took back the {$3300.00} stating I waited to long to make claim. How is this possible when I was told to wait and contact the merchant? This has put a serious hardship on me and my son. I did what I was suppose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbelievable- they send me a letter telling me they correct their error because the address was right for years then they made the error- Ok then they send me a notification at the correct address stating that change was made- one would think mission accomplished. Not with them. Today a letter at the wrong address telling me - get this- they corrected the address? Who is handling my information some off shore entity that does NOT comprehend English? We have undergone severe financial impact and hey can not get it right yet!
Product: Credit reporting

I am filing this request because I have been ignored by TransUnion XXXX XXXX, XXXX. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy, that I disputed. Please resolve this matter as soon as possible. I have been dealing with this matter for months!
Product: Debt collection

on XX/XX/2021, i sent a letter to LVNV FUNDING about a alleged debt of XXXX that i do not owe nor have relations with. please assist me in this matter of handling this inaccurate information reporting falsely on my credit.
Product: Money transfer, virtual currency, or money service

Filed claim # XXXX for {$600.00} on XX/XX/2021 to Suntrust Bank for XXXX transfer that was sent to fraudulent person/company. They denied and closed the claim XX/XX/2021 and told me to contact person directly which I did numerous times with no results. I filed police report online with no results either.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In Pennsylvania the statues of limitation is 4 years after the 1st missed payment, creditors may still report up to the additional 3 years; totaling 7 years. Education Financial Services is abusing the policies put in place. Private student loans the PA statue of limitations apply. Federal Student loans those exact rules don't apply, but then we would have to look at the terms of the contract, which the contracts for this entity can not be provided. According to the terms outlined on these credit reports they are mostly 120 months, which equal to 10 years. These loans date back between XXXX. It's one loan that date back to XXXX, which that loan is a private loan. Some of these creditors are found to be using tactics such as " running of the credit report '' According to the FCRA Section 605 ( c ). These credit agencies are stating they have done legit investigations. How are these investigations done? They are allowing these companies to abuse processes. The amounts are being changed any time my credit score go up. Increases are happening from day to day. Soon as you catch them breaking the rules suddenly the amounts go down, and the remarks change. This is happening every month. The private loans from XXXX, and XXXX. They should not be on my report. Ive reached out to The Department of Education numerous times about this particular school. Due to this school 's practices they have lost their accreditation as well as went out of business. Ive made plenty of reports with the CFPB about this fraudulent corporation. They are so wrong on so many levels they just don't respond.15 USC 1692 states without written consent, it's illegal for a collection agency to buy your debt and come after you.
Product: Credit card

on XX/XX/24 I saw XXXX charges, XXXX for XXXX and a second for XXXX. They originally credited the acct, closed that card and sent me a new one. 
Said they would notify me of any disposition. 

XX/XX/24 When I went to pay my card off I find they charged these amounts back unto my new card without explanation. 
When I called I was transferred to XXXX different departments and then told me they did not have a reason why and gave me a number to call tomorrow. It is now XXXX XXXX time. 
I asked for a supervisor and asked that the card be cancelled and that a new dispute started. They referred me to the other closed dept and as far as I know did not do anything about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXXXXXX XXXX unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.
Product: Credit reporting, credit repair services, 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 name : DEPTEDXXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : DPT EDXXXX # 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 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 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. 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: Debt collection

I received a collections letter from XXXX XXXX XXXX for {$7100.00} amount due. 

I have never been to Maryland, I have owned and lived in my home in XXXX, California since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Beginning of XXXX, i obtain a new home owners insurance company ( XXXX ).  Current one was XXXX  XXXX XXXX. XXXX  XXXX XXXX refunds my payment to escrow account. USBANK sends two identical payments out for the same exact amount. Payment was sent out on the XXXX of XXXX, payment in full. USBANK repeats this draining my escrow account to an overdrawn {$98.00} escrow account. They " advance '' : me the $ XXXX So its at XXXX. On XX/XX/19 USBANK calls and a nice lady is instructing me to send the second payment back to them. Call after call im transferred, hung up on, lied to, etc ... ... .this goes on and on I am not calling them again, and am sending them an invoice for my time i have spent due to them treating customers as a " transaction ''. I wish there were a way, i would love to get even.
Product: Debt collection

I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX  only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a  problem. Please help me fix this and get all 3 of these off my credit. Thank you.
Product: Bank account or service

I have a debit card for use with the Bank of America ( BOA ) Health Savings Account. Today BOA refused to allow payment of heath expenses using my card because I had already paid the limit of bills I could pay in one day. " Supervisor '' XXXX, who was a first level supervisor and who advised he had no higher level supervisor, indicated a limit of paying XXXX bills per day and no ability to override. He also incorrectly stated that this limit is in the user agreement and in the FAQs -- it appears in neither. The user agreement indicates it can put on a dollar limit if I am advised in advance, which I have not been, and there would be no reason to do so as long as funds are in the account, or stop a transaction if they think there is fraud. BOA is illegally holding my funds. Clearly this is an issue that goes beyond me, as BOA collects interest on these funds while refusing to allow its customers to use their own funds. I do realize I can resolve this with a few days, but the point is CFPB should look into this illegal practice.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I went to XXXX XX/XX/XXXX. We were stopped by a worker from XXXX named XXXX for a free second day visit to XXXX and also a free XXXX night stay to a resort vacation club in the United States XXXX All my family had to pay was {$60.00}. I was told to pay {$30.00} and then I would have to sit in a XXXX hour presentation for timeshares for club XXXX. After the presentation was over I was told to pay the rest. I was told this was a no hassle presentation with no strings attached. On XX/XX/XXXX at XXXX my XXXX and I arrived at Club XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This woman tried hard to convince us to buy into the timeshare .This lasted at least XXXX hours. Once she realized that we were not budging the woman ask me to write down my social and also she needed a copy of my XXXX XXXX  card. The way she stated it was needed to complete the XXXX night resort vacation package we was in entitled to. Once she returned she handed me my card and passed us alone to Someone else that tried to convince us again to buy into the timeshare. On XX/XX/XXXX I received a welcome letter from comenity capital for a credit line that was opened for {$2900.00} for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts,
Product: Student loan

Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me
Product: Credit card

everything I bought was credited to the account I also made a payment they charge me {$4.00} interests on the purchase that was returned {$27.00} late fee when I made my payment the phone Automative geve me the balance as {$46.00} us bank trying to make extra money by charging this fees I called on Monday XX/XX/2017 at XXXX the represenatinve was very rude and XXXX and when I told her I will file a complaint with CFPB she said go right head
Product: Mortgage

I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace