23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company called my husband on XX/XX/19 about an outstanding debt that had been paid off years ago. They wanted payment over the phone and when we asked for written record of the debt, as well as wondered out loud why we'd never, ever, ever received anything in writing about the debt still being outstanding, the woman asked, " Oh, you didn't? '' then got REALLY quiet, and then we were mysteriously disconnected and no one called us back about this matter that was supposedly VERY urgent only moments ago. 

When I called back to inquire about a company website, or a way that I could verify -- even through a third party -- the legitimacy of the business, I was told that there was no website because they " didn't serve the public. '' When I was told they were a " mediation firm '' where people could pay into their outstanding debts, I noted out loud that it seems like that would be " serving the public, '' and that if I could be asked to provide my credit card information over the phone to pay a supposedly outstanding debt, I should be able to verify online in SOME way that the company was legitimate. 

I asked to speak to a manager, who consistently interrupted me, would not provide me with verifying information, and eventually berated me by saying that he thought it was " pretty XXXX that you would call a number back that you thought was a scam. '' I reiterated that I was only trying to verify that the company WASN'T a scam. When he finally gave me the full name of the company, I brought it up online while on the phone with him and told him that our situation sounded like an exact replica of several other complaints on their XXXX  website. I asked why he wouldn't be able to provide a physical address or other way to verify the legitimacy of the company and he said that he could not provide a physical address " out of protection for his employees '' ( fine, I get that ), and that he couldn't provide me any other way to verify the company 's legitimacy without first having our case number and my personal information. We went around this probably a half dozen times, and it always ended by me saying that I didn't believe my personal information OR the case number were material to simply having SOME third-party way to verify that the company a ) really existed, and b ) wasn't trying to take money illegally from people. I made it clear that scam calls are common and that he should understand that, and that numbers like that get reported to the FTC. 

After he berated me some more about how ridiculous and difficult I was being ( odd response, given he wouldn't give me ANY way to verify the actual company ), he gave me his extension and told me that I could call him if I wanted to ( after telling me never to call them again ) and then hung up on me. 

They never responded to our request about receiving record of the debt in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card from XXXX XXXX with a {$500.00}. dollar credit limit. I had a balance of under {$200.00}. and attempted to pay my balance off by phone over 6 times. Then they closed my account after many late fees and interest and reported my account to the credit agencies. 
Now I am unable to get a XXXX XXXX for medical expenses due to their unfair practices. I was happy to pay the balance but have since charged off the account during the XXXX pandemic. 
Thank you, XXXX XXXX
Product: Credit card

My husband has had a Chase Mileage Plus credit card for years. Now, he has XXXX and is in a XXXX XXXX XXXX. I am the spouse and have a XXXX. All is in order on our side. 
XXXX/XXXX/2016 Account is completely paid off, including a small amount of interest that somehow went into the next cycle. 
XXXX/XXXX/2016 I called XXXX ( published by their website for " closing the account ''. I spoke with XXXX who said they need the XXXX. 
XXXX/XXXX/2016 I faxed the XXXX from our landline ( XXXX ) successfully. 
XXXX/XXXX/2016 I called XXXX again and XXXX confirmed that they have the XXXX. XXXX " closed the account '' and said the Close Letter I requested should reach us in " 7-10 days ''. 
XXXX/XXXX/2016 I received an arrogant letter saying they " require more information '' specifically wanting my address and referring to me as an " agent '' on the account.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit card

We called them I believe around around end of XXXX or early XXXX We had purchases between XX/XX/XXXX to XX/XX/XXXX that we did not made. All the purchases were also made around the same area were around XXXX XXXX, XXXX XXXX, and XXXX XXXX. Places between those times I have never been too. I mostly stay at home I am a college  who is taking online courses and I can not drive. And my mom worked most of those days and she would be the only person possible who could have access to my card. I disputed these charges however my Chase bank also refunded me some of the charges but claimed that I received benefits from the transactions in which I definitely did not. Some of those restaurants I have never heard of in my life and I especially have never been to those places ever.
Product: Debt collection

On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Equifax because I keep having issues with multiple credit files reporting. There was one report that had collections on it that did not belong to me. ( 6 ) collections from XXXX XXXX XXXX. The rep from equifax merged this file that isnt mine with these collections to my real file. Now I have collections on my file. I have gotten info from this XXXX XXXX XXXX proving these are not mine and she merged the file unwilling on XX/XX/XXXX. I am under contract for a new house and this has completely stopped me in underwriting. Equifax refuses to fix the mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 complaints now over this issue. Latest response for penn credit was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX
Product: Debt collection

They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations! Portfolio Recovery put collection on my credit report without accurately validating the following information as requested at least 5 times as I believe the debt belongs to my ex-husband : I request that Portfolio validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me  concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.i have told Portfolio numerous times that I needed proof the debt is actually mine and they have only validated that they purchased an account.
Product: Checking or savings account

Last year, I purchased a tech support product from XXXX XXXX. It was a one time charge that was authorized. Today, I was sent notification that my debit card was charged {$100.00} for renewal of the plan. I never authorized the renewal. I called XXXX XXXX and was told that it would take 10 days to get my money refunded. I asked them to send me a copy of the contract showing that i had authorized an automatic renewal and they said that they could not provide it to me. I feel that this is deceptive at best. I never authorized an automatic renewal- I would not have done so as this policy is for a computer no longer in service.I also feel that it is improper to wait 10 days for a refund when no transaction was authorized. i 'm sure that I am not the only person that they have charged without authorization.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unfair information that your company ( Experian ) has reported about me to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 16810, you may be held civilly liable for negligent noncompliance with the law, which includes failure to ensure the accuracy of reported information and failure to investigate disputes in a reasonable manner.

As required by the FCRA ( 15 U.S. Code 1681i ), I request that you investigate this matter and correct the inaccuracies or remove the disputed item from my credit report. Please provide written confirmation of your findings within 30 days as required by law.

Failure to properly investigate and correct these errors may constitute negligence and noncompliance, which would entitle me to seek damages under 15 U.S. Code 16810, including actual damages, legal fees, and other relief. If this matter is not resolved promptly, I may be forced to pursue legal action.
Product: Credit reporting or other personal consumer reports

I Have reviewed my credit Report and found some inquires that I did not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX, XX/XX/XXXX, Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX, Transunion
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ITEMS which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX
Product: Credit reporting

XX/XX/XXXXI sent to Equifax, LLC a letter that was dated XX/XX/XXXX via USPS, Certified Mail Number : XXXX. 
A Copy of this letter is attached for your review. In this letter I detailed XXXX ( XXXX ) concerns regarding my credit file that I felt needed that needed to be addressed that would help to improve my credit file. 
I am pleased to note that the outdated XXXX Bank credit reference was deleted. However, the much more serious reference was said to have been investigated and was reaffirmed as being reported correctly. 
I strongly protest the manner in which you arrived at your purported conclusions. I am sure that the supplier of information to you is flat out wrong because I am in possession of a copy of the original filing of the court papers. I have enclosed a copy for your review. Note that in the top right-side portion that the date stamped is " XX/XX/XXXX, XXXX. '' Additionally, note that on the middle right-side of the same page a reference to " XXXX 's Department, XX/XX/XXXX XX/XX/XXXX. '' A copy of the first page of the summons is attached. 
This papers clearly refute the allegations that an investigation was done that confirmed the information to be correct. If it were done, what was the source of proof? 
This is the basis of my request to delete this wrong credit reference due to conflicting information that makes me the recipient of prolong and erroneous credit reporting. Again, this information needs to be immediately deleted. 
The importance of this request is under-stated by XXXX ( XXXX ) separate attempts to open an account with XX/XX/XXXX. I have attached a credit denial letter and a more recent online chat session with that company 's representative. Of the online chat, pages XXXX, XXXX and XXXX details the attempts to get a deposit in advance of service for the account security. 
Erroneous and outdated information is not to contained in one 's credit file. It is my desire that it not be a part of mine forcing higher charges for the basic services and other life needs. 
Your assistance in this pursuit is deeply appreciated on my behalf. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this XXXX  shouldn't be on my credit/consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off a XXXX XXXX  XXXX card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.
Product: Mortgage

Received insurance payment check XX/XX/XXXX for damage to my home ( Hurricane Ida XX/XX/XXXX ). 
Wells Fargo & their attorney- XXXX XXXX has not released my insurance money to fix my home in over 1 year. My 1st check expired after 6 months ( XX/XX/XXXX ) & now my 2nd reissued check is now 4 months old! Their attorney ( XXXX XXXX ) stopped my 1st disbursement o

n 8/8/24. I have abided by their request in order to receive my insurance money- But a year later- I have Nothing!! I am still living in a home that was severely damaged by the hurricane- with mold/ mildew, cracked walls/ ceilings, broken floors on 2nd floor ( a large hole where water puddled from roof leak, sat & busted thorough to the 1st floor and continuous pests infestations { including termites- mice/rats.. } from the holes/ cracks in walls/ ceilings. My family and I have suffered from constant respiratory infections and illnesses since this 3 year delay.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXXXXXX XXXX XXXX  : XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I try to buy a cruise and it did not go through on XX/XX/XXXX, I closed the website and reviewed my email and there was no confirmation or charge in my acct then later I bought another cruise. On XX/XX/XXXX both charges were on my credit card. I called Wellsfargo and explained the situation and they start a dispute, I received confirmation on XX/XX/XXXX, on XX/XX/XXXX I have a 3 way call with the cruiseline and wellsfargo and the cruise line did not want to refund my deposit and sent wellsfargo the  confirmation the cruise line send me 14 days later of a charge that never went through, Wellsfargo credited temporarily my acct on XX/XX/XXXX, on XX/XX/XXXX I received another email from Wellsfargo-XXXX XXXX XXXX telling me that the dispute is on XXXX Arbitration and can not warranty the outcome and it is going to take another 60 days. While all this is happening the cruise agency is telling me that I can lose all my money XXXX if I do not accept losing XXXX now. Wellsfargo is telling me that I have to wait 60 days to hear a result, I told them the situation with the cruise line and they just say that there is nothing they can do that I have to wait even if the outcome is losing all my money, I asked to explain XXXX the situation and let them now this situation is time sensitive without any result.
Product: Credit reporting or other personal consumer reports

This is my twelfth attempt to address the faulty credit reporting affecting my credit records. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authorization within four business days upon receiving : ( 1 ) proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transaction I have conducted. The following accounts are inaccurate and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you assert that these accounts are entirely accurate and verifiable, I request copies of any documentation bearing my signature, as I believe none exists. If no signed agreement with my signature is found, these accounts must be removed from my file. You have four business days to correct the inaccuracies in my credit file. I do not consent to the use of E-OSCAR or any automated verification processes.
Product: Mortgage

I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.
Product: Debt collection

Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...