23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX the customer service rep and XXXX the supervisor spoke with me and both were very rude and they keep calling me for something that is not my account and they have threatened me and continue to harass me at work even though I've asked them to stop calling me on my cell phone while I'm working which has not stopped yet. I've asked them to verify the account and I was told if they have my birthday then its me. Wow, they do no verification to verify if this is actually my bill they just keep calling and harassing me. I am being called at least five times a day. The number they keep calling from is ( XXXX ) XXXX. Hep to end these threats and harassment. Thank you,
Product: Debt collection

I have had a Collection from Portfolio Recovery Associates , LLC via XXXX XXXX  from retailer XXXX, on my account for the past few years. I have disputed the account numerous times with the company and credit bureau 's only to have the account come back as " Verified '' every time. 

I have asked for proof that the account was opened by me, including the original application or account opening document, but it has never been provided. The company has only sent a copy of 3 billing statements which, of course, doesn't show that the account is mine, only that it exists. 

I asked XXXX how they verify the account and was told it is simply a matrix of " personal information '' in my credit file that they compare against the personal information the collection agency is sharing, nothing more. There is no requirement to show proof of account ownership and no way to truly verify the account opening date if it is not already shown within my credit file. Therefore the entire account can not truly be verifiable and relies on a plethora of inaccuracies. 

I have disputed the account in the following manners : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Portfolio Recovery Solutions / Associates, LLC has sent me some forms to fill out requiring a notarized statement and a police report for " fraud '' cases. Although this may ultimately be fraud, I am unwilling to provide these forms until I have been shown the original signed document that was utilized to open the account. I haven't been provided the documentation I've been requesting within my disputes for years. I need to see the application document, the signed document, the agreement/terms and original date the account was opened as well as the last payment, if any. The burden of proof still upon the collection agency, but they are refusing to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I tried to login into Equifax to get my credit report and it wouldn't allow me to do so. The automated system told me to call in. I called XXXX and hit the prompt to start a dispute. The automated system asked me questions about my credit report, and I had my credit report in front of me from XXXX and XXXX, so my information was accurate that Equifax automated system was asking me to identify myself. Equifax system rejected my answers to the questions, so it directed me to speak to a representative. When the representative came on, the phone she said she had sent me a link to identify myself. She said to upload my driver 's license front and back. I asked to speak with a supervisor because this was the XXXX time, I had issues getting my report. She said that the supervisor will ask me for the same information, and I said that was fine, but I would like to speak to a supervisor anyway. The Supervisor then got on the phone I explained that since I dropped the membership, I have not been allowed to obtain my credit report. While I was on the phone with the supervisor Equifax sent me an email with a purchase of a discount membership to get my credit report. I asked the representative why are sending yall sending me emails about membership I explained to her I need my credit report to dispute items on my report that is incorrect, and she said she could not help me because the link that was sent to me to upload my driver license had expired. The supervisor did not offer any suggestions, so I asked for the employee 's Name and id number. XXXX id XXXX. I wanted to start a claim about the fraudulent service and seek counsel against Equifax. I spoke with Attorney Back when I purchase my home and he told me it was unnecessary to continue to pay for membership when it was free to obtain credit reports. I will attach emails from Equifax about purchasing a membership.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 i had lost my cell phone which had me logged into my banking app as well as cash app. My bank card was linked to my cash app so the individual was able to send money from my bank account to my cash app and send the funds once they were on cash app to multiple mutual aquatances. They loaded and sent {$100.00} in total before they and my phone were located and they were taken to jail and the phone was returned to me. I have spoken to multiple cash app represenatives who claim no error occurrd that i authorized these transactions even though i have explained to each represenative the circumstances. Each time i have explained first thing that my phone was lost someone picked it up and made these transactions while i was looking for my phone and yet each represenative XXXX says that no error occurrd and then when i state to them for the second time that i didnt authorize or authorize anyone else to make these transactions that they did this while i was looking for my ohone the represenative says they are escalating my case but never do nor do they listen to me at all i have been answering the same questions for them multiple times a day since thursday and never get any differant answers and i never get to speak with a manager and this is completely wrong, unjust, and unfair as i am on a fixed income and this has truly put me in a bind and i can not get anywhere with cash app at all. Someone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a dispute with mainly Experian and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as XXXX XXXX, then XXXX XXXX was changed to XXXX. XXXX can not prove that I owe this money and I never took out a student loan with XXXX. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly Experian be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has two collections from XXXX XXXX {$610.00} {$2300.00} Experian has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Debt collection

This company is contacting me stating that I owe them money but I dont have a contract with them nor have I ever signed anything or agreed to anything. They are unable to provide proof of debt and or anything viable proof that own them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and had an auto lease opened under my name on XX/XX/XXXX. I also had 6 fraudulent credit cards opened under my name since XXXX. The suspect is my mother, who I no longer have contact with. All disputes were started in XX/XX/XXXX and all the credit card companies investigated and deleted the information under my name. However, BMW Financial Services refuses to delete the fraudulent information. I have provided more than enough documentation, police report included. They advised that I have to prove to them that it was opened fraudulently. This is wrong in every matter. The burden of proof lies on them, not me. I'm claiming identity theft so how can I furnish proof that I wasn't there to sign the auto lease 4 years ago? They told me they contacted the dealership to see if anyone can " remember '' who signed the paperwork 4 years ago. When I asked what would happen if they don't remember, they told me then there is nothing they could do. BMW Financial Services have been the most difficult company and don't care about ID Theft victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, XXXX via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX. The date I filed bankruptcy was XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I woke up to find inaccurate accounts on my credit report, and Im completely at a loss as to how this happened. I checked my report like I always do, but this time, I saw errors that appeared out of nowhere. I even refreshed my browser, hoping it was a technical glitch, but the mistakes were still there. I am pleading for the documents Ive submitted to be reviewed carefully so I can stop living with this constant worry.
Product: Credit card or prepaid card

I had placed a deposit on a XXXXXXXX hotel in the fall of XXXX The date of the reservation was XX/XX/XXXX. We canceled the flight on XX/XX/XXXX because of XXXX XXXX That {$550.00} deposit was not refundable because of the late cancellation. I had no trip insurance other than trip cancellation benefit that my chase credit card offered. I filed for refund of the {$550.00}. The name Insurance company is XXXX. I have submitted their data many times over the last four months. They keep asking for data Ive already submitted. It appears to me that XXXX  has no intention of paying this claim. My complaint is against XXXX  and against Chase for hiring such a bogus company. I think Chase is advertising a trip cancellation benefit Knowing that their client will never be reimbursed for a claim.
Product: Mortgage

After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame was XXXX to XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not XXXX. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XXXX of 2021 and PHH is just now getting around to updating their insurance records. 
PHH Mortgage sent copies of papers after my initial complaint which were irrelevant to the issue. The paper did not address the fact that they did not know at the time that there was no insurance in place. Secondly, the mortgage contract clearly states that forced place insurance can only be put in place if there is no insurance currently on the home. Prior case law shows that lenders can not force place insurance on prior gaps of insurance, only hwne there is no insurance currently.
Product: Mortgage

Due to the pandemic, we were a couple of months behind on our mortgage due to a lack of full-time work. This eventually led to late payments and an accumulation of late fees that were overwhelming to pay off to FlagStar. After multiple attempts in refinancing our mortgage we were turned down and left to simply suffer the consequences of handling the burdening monthly payments to the best of our ability. At the moment, we still currently remain XXXX  months behind on the mortgage as we continue to climb back towards some degree of stability.
Product: Vehicle loan or lease

I sent a debt Validation letter, cease and desist letter, affidavit of truth and an invoice to Exeter finance and gave them 30 days to come up with a solution. The contract was fradulent and void. Exeter finanace forged themselves onto a contract between XXXX XXXXXXXX XXXX XXXX XXXX and I. They made the contract void because they use my information without my consent and forged signatures onto the contract. I have a copy of all the violations that were committed by Exeter XXXX and I do have your po box that I will be sending all this information to.
Product: Credit reporting 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 XXXX XXXX XXXX. 


Account Name XXXX XXXX XXXX : Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -XXXX 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 reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union XXXX - This debt is not valid. It was being delivered from a car dealership and the car never showed up. I do not owe this debt as I never took possession of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid Eastern Account System a total of XXXX on the account, the balance should be XXXX, the balance before was XXXX. I would also like this to removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that XXXX XXXX XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX XXXX is reporting inaccurate information on LOANME INC. This was purchased by another lender, so why is it acquiring late fees? I tried contacting the XXXXXXXX XXXX XXXX  requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired LexingtonLaw to fix my credit issues after I seen no progress I canceled the service in XX/XX/XXXX but the the charged me so I request a refund which the said the would refund me {$100.00} they didnt I kept on calling texting till the finally agreed to refund me the {$100.00} around XX/XX/XXXX I have the text to prove it so I went and check my account for the {$100.00} and the still made an unauthorized withdrawal from checking account after I had canceled there service XX/XX/XXXX. The. The refunded me for withdrawal from XX/XX/XXXX and didnt refund me for the illegal withdrawal they made on XX/XX/XXXX 2 month after I canceled the account with LexingtonLaw.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

I disputed the bankruptcy they are reporting. They tell me its verified but its not accurate.
Product: Bank account or service

I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me.
Product: Credit reporting or other personal consumer reports

Company Kickoff Lending LLc has placed a XXXX charge off on my credit report. The company has been emailed XXXX and again XXXX about this charged off account on my credit report. Ive never bought anything from this company! 
The company said this account was charged off XX/XX/XXXX 
Im not aware of any account with this company and no signed contract has ever been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX