23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A call was recieved concerning collecting a debt on behalf of XXXX. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of XXXX. 

I was told I had two hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact XXXX XXXX XXXXNational Credit Adjusters
Product: Credit reporting or other personal consumer reports

Transunion had lowered my credit rating by XXXX points because XXXX XXXX gave them incorrect information regarding their notifying me that a bill was due. I asked Transunion to investigate it and in their " investigation '' report they had numerous errors in the amount due and the balance information. These errors were not in the report that I asked them to investigate.
Product: Debt collection

getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.
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 XXXX 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.

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a Credit
Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A Personal Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge offs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity
Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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: Mortgage

This is a new complaint. Prior complaint is XXXX. This issue ( s ) with Select Portfolio Services, hereafter referred to as SPS was brought to your attention on XXXX. SPS reported in their XXXX response to CFPB that they were contacting the prior mortgage holder XXXX XXXX XXXX  ), and also listed that they would consider 100 % of my spouses income. This complaint is to report that SPS has not upheld what they reported to CFPB. SPS have not provided any written updates regarding XXXX XXXX outside of what they reported to CFPB in XXXX. Instead, SPS sent a written correspondence indicating they were moving forward with foreclosure, what theyve referred to as Foreclosure Referral Notification on XXXX. I was told by an SPS associate that XXXX XXXX was taking too long to respond to SPS requests, resulting with SPS resuming foreclosure procedures. Please note, I did contact XXXX XXXX who confirmed that they were in receipt of a loan modification application received by their loss mitigation department and the last activity was XXXX. XXXX XXXX assured me that SPS has all of my detailed information in their possession, which was all transferred to them XXXX. SPS continues their non-transparency and unethical actions. They have put in writing to CFPB that they would complete the review with XXXX XXXX and consider 100 % of my spouses income and have done neither. Theyve become frustrated with XXXX XXXX and have done 50 % of the work. They have done 0 % of considering my spouses income and their XXXX written correspondence to me is clear that they have no intentions to do so. As well as their XXXX written communication to the insurance company. They have made no attempt to provide a written update regarding communications with XXXX XXXX outside of their XXXX update to CFPB. An SPS associate informed me that the written update was not provided, as SPSs communications with XXXX XXXX was not complete ( another contradiction ). Which doesnt explain who they can resume foreclosure if youre not complete. They have also ignored my XXXX corresponding letter expressing interest with 100 % of the spouses income. I am still awaiting SPSs complete review of my XXXX loan modification application with XXXX XXXX and next steps with moving forward with another review, pending SPS investigation with the prior mortgage holder XXXX XXXX XXXX  ), whos stating that SPS has access to all documentation and the history of account actions. SPS continues to make contradicting statements both written and verbal.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXX  XXXX XXXX from XXXX XXXX  XXXX, in XXXX, FL. I never agreed to interest or a $ XXXX monthly payment, and I never agreed to financing through Chase Bank. I purchased the car on a XXXX  and they switched my signature and all my info over to a loan from Chase Bank, instead of XXXXXXXX XXXX XXXXXXXX Financing like they told me they were using at 0 % interest, and put my loan through to Chase Bank without my knowledge or permission that has interest on the loan. I tried to return the car within the 3 day period after buying it when I found out the car company lied to me about the terms and interest and who was going to finance the car for me. XXXX XXXX XXXX and Chase Bank Corporate both received complaints from me via telephone demanding they either comply with what I agreed to or take the car back. They both refused and told me that because my signature was on the paper, they didn't have to do anything. I confronted the salesman and the manager at XXXX XXXX  XXXX demanding they fix it or take the car back. They told me the salesman tried to put it through XXXX XXXX  XXXX XXXX at 0 % interest like I agreed to, but it wouldn't go through, so he put it through to Chase Bank without my knowledge and it included interest and a higher payment. They said because he used my signature the only thing that mattered was that my signature was on it, so they didn't have to do anything. I told them I don't want to pay interest because of my religious beliefs, XXXX - while I was in the store on Sunday buying the car. They also later told me that since he did the paperwork on XXXX, the computer didn't catch it, so it went through. When I went to the XXXX, they told me that XXXX XXXX  XXXX submitted paperwork to them that said I was only LEASING the car and I was leasing it through XXXX XXXX XXXX XXXX and when I " was done making the leasing payments they would give me the title to the car ''. The XXXX employee at the Tax Collector 's Office turned the computer around and showed me where it said XXXX XXXX  XXXX Financing. When I confronted the dealership they said they didn't have time to fix the records they submitted for the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting old debt that's is still on my credit report and I filed XXXX XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX when my mom placed car insurance under my name. I did not sign nor was I aware of this. By law they can not report me to credit bureau. AXXXX XXXX XXXX can not be reported. I will pay what is owed but they need to remove from my credit or I will take legal action.
Product: Credit card or prepaid card

I was getting gas at a convenience store when I gave the attendant  my XXXX XXXX credit card. He tried to charge {$1200.00} on the card and XXXX  XXXX declined it due to suspicios activity. I did not know this until after I gave the attendant  my American Express for {$15.00} in gas and he then charged the {$1300.00} on the American express card. Within about 20 minutes I saw that a few charges were on my American Express card that did not make sense and XXXX XXXX had declined the {$1200.00} attempt. I immediately contacted American Express to report the fraud ...!!! I was told that " Pending Charges can not be disputed ( I have this inwriting from American Express and written chat from me reporting the fraud and them doing nothing about it except charging me the {$1300.00}. I could see if I had waited but I reported it immediately and thank XXXX XXXX XXXX declined the suspicion charge since buying a large amount of anything at a gas statin would be ridiculous!!!! 


XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card Member : XXXX XXXX XXXX
Product: Mortgage

We bank with Cadence bank ( XXXX XXXX XXXX and have : Checking, XXXX, and Mortgage with this bank. Recently we logged into our online banking site and then to our mortgage account to review some details. We were astonished to see XXXX other individuals accounts ( along with mine ) appearing. I was able to see their personal details ( address, phone, last XXXX ssn ). We called the bank and they remove those accounts after several hours but offered no assurances that the exposure had been rectified and offered no free fraud protection. We took photos on our phone of the website pages and the bank instructed us to delete those and have brushed off any accountability and our concerns.
Product: Credit reporting or other personal consumer reports

My rights as a consumer and my right to privacy is being violated and breached. There are items on my credit report that have resulted from fraud to which I never benefitted from. I never gave permission for this information to be reported on my credit report. I have reported them to the Federal Trade Commission but they are not removed from my report.
Product: Money transfer, virtual currency, or money service

I used the Coinbase app to invest in bitcoin, litecoin, and etherium XX/XX/2017 after some months of it sit I decided to withdraw the majority of it. I had {$5000.00} in bitcoin, {$100.00} in litecoin, and  {$120.00} in etherium. I withdrew {$4000.00} from bitcoin but after that my spending limit was at its ends. I then completed the ID verification which said it was going to increase my spending limit and although it may have, I then ran into the issue of not being able to indetify myself no matter how correct I was with my information it just always says Verification Failed I have dmd them on XXXX multiple times and emailed them and when I call an actual person never answers the phone its always a machine with the same problems and useless solutions
Product: Credit reporting or other personal consumer reports

Transunion has been affecting me as a consumer and has not updated my credit report or credit score. As a consumer that has paid to delete the following accounts. I do expect to have the following removed. And as a consumer my credit report and credit score should be accurate and on point. 

XXXX XXXX XXXX : paid to delete Remarks UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX Remarks CLOSED XXXX XXXX XXXX : paid to delete Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX : paid to delete Remarks >PLACED FOR COLLECTION< NCA : paid to delete Remarks Account information disputed by consumer ( FCRA ) ; >PAID COLLECTION<
Product: Checking or savings account

On XX/XX/2022 I attempted to make a transaction with my BofA debit card using XXXX as a service provider in XXXX. 

The merchant is XXXX XXXX Service provideXXXX XXXX The transaction amount XXXX XXXX pounds XXXX usd. 

The transaction was declined XXXX times and I never completed it and it was never authorized. The service provider did not receive the funds from BofA as they never received authorization. 

BofA withdraw the money from account without completing the transaction or providing authorization I have since filed a claim and they wont provide me a provisional credit or any additional information who they sent the money to.
Product: Checking or savings account

I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. 
Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. 
I entered all my correct information, they did not ask to verify any information they just simply denied me.

I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. 
So what possible reason besides my age could Citizens bank offer up as an explanation. 

I have received no letter or any other communication
Product: Debt collection

I received a notification via XXXX XXXX that a company called Southern Financial Systems was attempting to collect a medical debt from me on behalf of XXXX XXXX XXXX XXXX in the amount of {$4400.00}. While I did receive healthcare services in XX/XX/XXXX, I was told I was put on a XXXX and did not owe anything. Moreover, I never received any itemized bills from XXXX XXXX XXXX XXXX before this debt was sold to the aforementioned collection agency in XX/XX/XXXX. In addition, I was receiving medical monitoring and therapy services from XXXX XXXX XXXX XXXX during the time period of XXXX where this supposed bill was never mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to directly fix this with Experian to no avail. I submitted a complaint ( number XXXX ) through the cfpb. Their response was they suspect a third party involvement. I called the cfpb help line and was given a number to call. I called the number several times several different ways and was not given ANY option to verify that the request was from me. Nor was I given the opportunity to talk to an agent. This is obviously Experians way of not dealing with consumers complaints. Just claim third party and it will go away! ( A lawyer is assisting me the individual you are harming, not a third party submitting the complaint. ) Warning to Experian, deal with this now. Next time you will be in court!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. 

Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! 

They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, California, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1900.00} Party Owed : XXXX XXXX XXXX Amount : {$300.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$3800.00} I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting it be removed immediately.
Product: Debt collection

Stop all Supreme Court Lawsuits or Supreme Court Judgments because any lawsuit initiated after discharge is a violation. 

Lawsuits or Court Judgments : Creditors can not sue or continue legal proceedings to collect on a discharged debt. Any lawsuit initiated after discharge is a violation. HSBC second loan is in violation after Loan Modification in XXXX, XXXX XXXX Bankruptcy, owners are now deceased. 

I will be the point of contact on this matter. Complaint number is XXXX. As soon as I complete the review, then contact them. If you have any questions, please call me toll-free from within the XXXX or XXXX at XXXX or direct at XXXX. Alternatively, reach us by email at XXXX. 
For additional information on our complaint handling process and right to seek assistance from a regulator, please visit : www.us.hsbc.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2006 me and my wife got a Home Equity Line of Credit from XXXX XXXX XXXX. for XXXX. Than that following month we asked for an increase of another XXXX and we got it on XX/XX/2006 so a new loan number was generated for a total of XXXX. Since than I have settled this debt with XXXX XXXX XXXX. and received Full Reconveyance on XXXX. The first HELOC loan was never given Full Reconveyance for the XXXX since this loan was an increase XXXX XXXX should have closed the first loan account as it generated the other loan account. XXXX XXXX XXXX XXXX. operates as a subsidiary of Ally Financial Inc . I have both loan numbers, the Full Reconveyance on the XXXX and a Title Report.
Product: Money transfer, virtual currency, or money service

XX/XX/20-I purchased a " diamond '' ring using paypal credit on ebay. I was charged {$2500.00} on my paypal credit card. 
XXXXI received a letter from my jeweler verifying that the ring was not a diamond. 
XX/XX/20-I asked for a return from the seller, seller authorized return but stated they would not be sending me a return label for return shipping, they said " I can't send you a label. '' XXXX shipped the ring myself to seller in the country XXXX as I only had 60 days to get the product back to the seller ( paypal rule money back rule ). 
XX/XX/20-I received an email notification from XXXX that the seller " refused '' to pick up the package, citing he did not want the delivery. 

I opened a case with paypal and they reversed the charge, they in turn, reversed the charge and I have the balance on my paypal credit. I have worked with XXXX, who has refused to do anything as they said they had no liability since I opened a case with paypal. I opened a case with paypal who said I need to go through Synchrony Bank as the bank owns paypal credit. I have filed 4 disputes with Synchrony Bank and the last 3 have ended with them contacting the seller and he citing that I owe him the money. I have a dispute case open with Synchrony Bank which will end soon, but given how it has gone thus far, likely not in my favor. In the meantime, the seller is still on ebay selling fake jewelry. XXXX has been made aware of this by me on numerous occasions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX