23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. This failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer. 
These accounts were not correctly investigated and need to be removed. 
Kickoff lending llc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i wanted to pay XXXX debt i owe on a credit card for XXXX XXXX/walmart. my bank XXXX XXXX XXXX XXXX sent out a check for XXXX the check was made out to walmart cradit card capitol one. the check was sent on XX/XX/XXXX and capital one cashed this check on XX/XX/XXXX. check number XXXX. after they cashed the check the money did not go towards my account i was paying. infact the check should have went to XXXX XXXX/walmart not capital one walmart.i have tries many times to get this fixed with capital one. they say they have no record of cashing this check. and tell me to talk to my bank XXXX XXXX XXXX XXXX this has been ongoing for almost 2 years. recently on XX/XX/XXXX i did finanlly get this debt paid by talking to XXXX XXXX and they said they would settle for XXXX if i paid it right now. i did pay it out of my checking account at XXXX XXXX XXXX XXXX but i am still tring to recover the XXXX that was origanly was for that bill that was cashed by capital one and not by XXXX XXXX
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 Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.
Product: Credit reporting or other personal consumer reports

A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened in my name without any of my knowledge. The credit inquiry appeared on XX/XX/XXXX on my Experian credit report and XX/XX/XXXX on my XXXX credit report. An account than appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX credit report on XX/XX/XXXX. It appears the account was approved and opened on XX/XX/XXXX. I proceeded to lock my credit and instill a fraud alert on all three of my credit reports on XX/XX/XXXX. There appears to be a balance of {$380.00} on the card and a limit of {$1500.00}. All of which I did not apply for, authorize or make any purchases with. I believe have been a victim of identity theft and fraud.
Product: Mortgage

Hello I recently took home mortgage from loandepot.com. I paid an extra amount towards principal of my loan but somehow amount didn't went through and was returned. Unexpectedly they charged my {$25.00} of fees for this without even informing me beforehand about this. I never got any document from loandepot regarding this fees and hence I asked them to kindly waive it for this time as a goodwill gesture. Customer care representative couldn't provide me the documentation showing this and was adamant not to waive this for this time. 

Hence I request you to kindly help to get it waived. Thanks
Product: Debt collection

This complaint is in regards to an alleged account in my name t placed wit h PORTFOLIO RECOVERY ASSOCIATES, on  behalf of  XXXX   XXXX . The stated balance of this alleged account placed wit h PORTFOLIO RECOVERY ASSOCIATES w as {$270.00}. I was completely unaware of this account being transferred to  PORTFOLIO RECOVERY ASSOCIATES, un til I pulled my own credit report on   XXXX   XXXX   XXXX    , and noted the odd discrepancy on my report. The account number with this company is  XXXX . I had not once received any notification of this debt owed via   XXXX   XXXX   XXXX   XXXX  , or been notified by this company of the alleged debt via telephone.  <P/> Upon this, I immediately emailed the Disputes department with  PORTFOLIO RECOVERY ASSOCIATES,  as well as the company executives and  Quality Management  team, and received absolutely no response from any of these people or departments via phone or email, as requested. I disputed this debt as possibly invalid, and requested immediate removal of this account from my credit files ; again, I received no responses from the company 's Dispute or Quality Management team, or the CEO,  XXXX   XXXX . Ultimately, I received account information from  XXXX   XXXX , and as an act of good faith, offered to pay the account with PORTFOLIO RECOVERY in full to alleviate the situation, and have the collection account with PORTFOLIO RECOVERY removed from my credit bureaus. This account was then paid in full via phone on Monday,    XXXX   XXXX   XXXX     .  <P/> Upon phoning in and speaking to several rude, condescending representatives with PORTFOLIO RECOVERY, I was told that if I had paid this account in full, I would be able to have the account removed from my credit reports or " dispute the account off of my credit files '', and that PORTFOLIO RECOVERY would not fight me on this. Then, another representative countered this by stating that she would not assist in the removal of said account even though the account was now paid in full, and I was given misinformation from multiple representatives prior. This remains to be  one  of the major issues with this collection agency -- every time that you phone in or email, you are either ignored outright, or are given a different story upon each contact attempt.  <P/> Overall, this experience with PORTFOLIO RECOVERY has been extremely poor -- both providing me a great deal of misinformation, misguiding me as a consumer, and being completely and outright ignored after attempts to contact executive level management, and the  Quality Management  department ( whom, on their website, it states to contact should you need any assistance or have been treated poorly by staff ). It is unacceptable to provide the consumer whom you are attempting to collect an alleged debt from, misinformation, in order to get an account satisfied in full. I am unsure where the breakdown of communication occurred, but given the gross negligence and disservice on behalf of  PORTFOLIO RECOVERY ASSOCIATES , I am requesting immediate removal of this paid in full account from all three major credit bureaus --  XXXX ,  XXXX  and  XXXX .
Product: Credit card or prepaid card

When making my payment in XXXX, I think there was a misunderstanding about how it would be applied. I reached out to the chat and directly to customer service for guidance on a payment on XX/XX/10. I believed this payment would keep me current. There was also a payment in early XXXX that I believed was on time and keeping me on track. Im not sure if its possible to review those calls or the chat but I wanted to bring it to someones attention. It seems like theres a lot of confusion and I am doing the best I can to hold up my end as the consumer. Currently, I can not use the card at all. Though I have available credit, all charges have been declined whether in store or online. Representatives have been unable to explain why. I was told I was in collections and also told I had a fraud watch and then told within the same phone call that neither of those are accurate. Im frustrated as a consumer and we all make mistakes. I know credit reporting needs to be accurate and I agree. But I also think creditors need to be accurate with what the status of an account is.
Product: Payday loan, title loan, or personal loan

This company is using the Covid-19 crisis to try to scare customers into thinking they are late on payments and are highly pressuring customers to use their stimulus money to pay off remaining balances that are not late or overdue. I have made every single payment on-time since I received the loan and just received this is an email from them : This is a reminder that you have a remaining small balance of {$140.00} on your XXXX account. Our records indicate that some or all of this small balance may currently be past due. 

A tax refund is a great opportunity to close this account out in full and honor your remaining obligation on your XXXX loan. Putting that tax refund to good use, to resolve your debt with us, will allow us to close this account permanently and stop all further efforts to collect. 

I have never missed a single payment and am still being threatened with debt collection if I dont use my stimulus money to immediately pay off the remaining balance and settle an account that is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

VISA CHECKCARD OR prepaid digital wallet access to my SOLE account at bank of America XXXX XXXX XXXX XXXX  XXXX VA THRU VISA CARDS OF SOME TYPE ongoing from XXXX. 
I OBTAINED THE VISA card used the LAST 4 DIGITS USED ON reservations made on my name in XXXX and XXXX from XXXX XXXX XXXX XXXX Florida.records attached and stating Visa Card numbers used XXXX and XXXX ... Boa XXXX extensive reviews attached XX/XX/XXXX record 2 cards issued to me as Visa. 
XXXX XX/XX/XXXX to present And XXXX used for 30 days temporary XX/XX/XXXX card issued and then closed XXXX due to received my XXXX card number I wanted to keep. 
These VISA cards DEDUCTED THE MONEY OUT OF MY SOLE ACCOUNT XXXX BUT THE LAST 4 DIGITS DO NOT MATCH WITH THE NUMBETS ON MY BANK STATEMENT recorded on my boa sole account statements as those visa numbers..why???
Product: Mortgage

I received free-and-clear property ( primary residence ) in a divorce settlement in XXXX, XXXX. I then took out a HELOC loan with Bank of America ( " BOA '' ) to pay for debt incurred on the property to pay for renovations. In XXXX, the HELOC amount was rolled-over to a conventional, 30-year fixed mortgage ( sold to XXXX XXXX ) with BOA. However, BOA never filed the necessary paperwork to put the HELOC into a second position. Technically, I had ( XXXX ) first mortgages. Foreclosure was filed XXXX XXXX, XXXX. Because XXXX loans with considered first mortgages, they were treated as coupled together by the foreclosure documents. BOA kept the HELOC open on my credit report until XXXX, XXXX and erroneously reported late payments for years XXXX, XXXX, XXXX, XXXX. BOA admitted verbally that they were in error with the filing of the mortgage documents, with the title company, and with their internal accounting system. I have never received documentation concerning these transactions as promised. As of today, I am being denied credit for inaccurate information reporting by BOA to all XXXX credit rating agencies.
Product: Checking or savings account

XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service to put a stop payment on 3 checks ( XXXX ) that were made through bill pay. I was told I could not do this without the check numbers. I told customer service that I did not have the check numbers as they were automatically generated by US bank when they produce the check and mail it, but I did have the amounts ( they were all for the same amount ). Again, I was told that there was nothing that they can do and to call back if and when they hit may account. 
XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service as the 3 checks processed on my account the business night before. I was bounced around within their departments ( 5 times ). Finally I was told that there was nothing that they could do as they had hit my account ( contradiction to my call to US Bank on XX/XX/XXXX ) and I had to call XXXX to get them stopped. They did end up reversing the overdraft charges. 
XX/XX/XXXX ( XXXX minutes ) : I called XXXX and they told me that there was nothing that they could do as it was US Bank 's responsibility to stop payment on them. 
XX/XX/XXXX ( XXXX hour, XXXX minutes ) : I called US Bank back again and told them XXXX could not help me as it was up to US Bank. I started getting somewhere. One of the checks ( XXXX ) was returned NSF. She did put a stop payment on that one for the next time it was processed, and told me to call back tomorrow to make sure it was in the system. As for the other two checks, I was told that US bank does have access to get the check numbers that they processes with bill pay and that customer service should have transferred me to the Online bill pay department. If this was done, the stop payments would have been place on these three checks on XX/XX/XXXX. She put in a paper item adjustment for the amount of the two checks that were processed and I should have the funds back in my account on Thursday, XX/XX/XXXX. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank and verified that a stop payment was processed for the check that was returned NSF. Confirmed that it was. 
XX/XX/XXXX : Called US Bank as the credit was not in my account. I was told that is was pending and that it would be processed later that night. 
XX/XX/XXXX : Called US bank as the credit was still not posted to my account. I was told that it was rejected and they were not going to credit me back the money for the bank error. They also said that they were going to pull up my original call I made to put the stop payments on the three checks and use it for training purposes. I also asked to leave a message to the person who processed the paper item adjustment to give me a call. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank to email me the notes of the conversations since XX/XX/XXXX to file with this complaint. They refused citing it was personal information. I asked to speak to a manager. The manager never answered and I left him a message to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, XXXX as well as Experian to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and is inaccurate.
Product: Debt collection

THE LAW OFFICE OF XXXX BLOOM & ASSOCIATES. A DEBT COLLECTOR LAW FIRM BASED IN TEXAS. 
THEY KEEP DIALING MY LANDLINE XXXX  REPEATEDLY, WITH TODAY 'S CALL PLACED AT XXXX XXXX! 

THEY REPEATEDLY KEEP CHANGING THE " NAMES OF '' PEOPLE. THEY'VE BEEN CALLING ME 19 TIMES WHICH IS NOW BEEN CONSIDERED AS HARASSMENT!

I'VE TOLD THEM MULTIPLE TIMES : THE PEOPLE THEY ARE LOOKING FOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH A CALL BACK AGAIN - ADVISING THEM TO STOP CALLING ME, NONE OF THE PEOPLE THEY ARE LOOKING FOR LIVE HERE! 
AND I'VE SPOKEN WITH " XXXX, XXXX, XXXX, XXXX '' ( IF THAT IS THEIR REAL NAME '' ) I CALLED USING THE IP RELAY ( DIFFERENT TELEPHONE NUMBER BECAUSE APPARENTLY THESE AIRHEADS CAN NOT UNDERSTAND ENGLISH! ) THEY WERE LOOKING FOR A XXXX XXXX AND THE LAST REP, SHE THEN SAYS WE'RE LOOKING FOR XXXX XXXX ( CHANGING THE SPELLING OF IT ) THEY ARE ABUSING AND MISUSING THEIR DEBT COLLECTION PRIVILEGES BY REPEATEDLY CALLING A LANDLINE XXXX TELEPHONE NUMBER WITH A LAUNDRY LIST OF PEOPLE TO HOPE THAT THEY WOULD HIT BULLS EYE! 

I HAVE BLOCKED THIS LAW FIRMS ' TELEPHONE NUMBER BUT THEY DERAIL IT. 
I'VE REPETITIOUSLY AND REPEATEDLY TOLD THEM TO STOP CALLING ME I REMINDED THEM THAT THEY ARE BREAKING THE FEDERAL LAW OF HARASSING AND ATTEMPTING TO SCAM A SENIOR CITIZEN, XXXX, HANDICAP WITH HOPES I WOULD PAY SOMEONE'S BILL! 

I DO NOT KNOW ANY OF THE PEOPLE THEY'VE LISTED! BUT I DID MY OWN RESEARCH AND FOUND OUT THEY'RE A DEBT COLLECTOR LAW FIRM IN TEXAS. PLEASE SEE TO IT THAT THEY ARE FINED AND I'VE ALREADY TOLD THEM 19 TIMES TO STOP CALLING ME!
Product: Checking or savings account

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

THIS IS NOT A DUPLICATE COMPLAINT. 

I have a problem receiving monthly statements to reflect my payments made and balance history. I am requesting a monthly statement to reflect my history because payments are being made as required but I have not received statements in over 5 months. Also, I have not received a payment history from XXXX 's. I want to understand my remaining balance. I need to review the beginning balance until now because I am getting confusing balances due, {$1000.00} and the original balance, along with payments that started in XX/XX/XXXX to current, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/20XXXX XXXX