23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others
Product: Mortgage

I received a letter from PHH mortgage on XXXX XXXX, XXXX  dated XXXX XXXX, XXXX  ( 10 days later ) stating they required flood insurance on my property and that they PLANNED TO BUY INSURANCE ON THIS PROPERTY AT A COST OF {$2200.00} which would be added to my reverse mortgage debt. I immediately called them and stated that I had an elevation certificate which said my property was in zone XXXX, was verified by XXXX XXXX XXXX, and I did not need flood insurance. The man was beligerent. I am suffering a subdural hematoma from a fall and got very very upset. He told me that the elevation certificate was not acceptable. He told me to call XXXX and get a XXXX XXXX XXXX, fill it out and return it to XXXX. He provided the wrong phone # for XXXX. The letter says I have 45 days to get flood insurance. I am currently XXXX and supposed to be resting at home and not dealing with this kind of stressful, mindless activity which delays my health in overcoming this hematoma. My doctor will verify this. 
I tried calling XXXX several times. The person said she would send me the form via email. She did not. I was sent a security message with the wrong phone # ( for me ) on it and could not change it to the right number to verify myself. So, I am unable to get the XXXX form and also believe PHH mortgage is causing me extreme stress because I do not need flood insurance and they are insisting I do.
Product: Money transfer, virtual currency, or money service

Cash app, my cashapo id was stolen called company for assistance. Was told they couldn't assist me. I lost money because the fraudulent account asked my contacts for money. My contacts sent the money. I had to pay people back. 
I also sent my nephews funds. His account was closed. I asked for a refund. I was told they couldn't refund me money.
Product: Debt collection

There is a company that says i have had an account with them since XX/XX/2023 and owe them {$660.00} and I have no idea what it is. I never do anything with my credit so i know i should not have any debt on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX Social Security # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries OR ACCOUNTS. Block and remove them. I already sent in a dispute statement on XX/XX/XXXX and the credit Bureaus ignored my dispute, but there were supposed to remove all the fraudulent accounts by law. to this day XX/XX/XXXX, these accounts are still reporting to my credit. THAT IS against FCRA LAW. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I was not given validation after 5 days of sending this letter which is illegal.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, it is established that this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Vehicle loan or lease

I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called 5 different times, and Experian has a completely bogus system that will not allow you to speak to a person. After listening to their horrendously ineffective system blather at me for literally hours, I still have not spoken to someone. I want to have my credit unfrozen. They send me to a ridiculous voice message that says i have to include my pin and send my mail. Are you kidding me? i need to do it now, not next week, and i don't remember my idiotic pin number. This is not protecting my credit. This is just infuriating. How do i actually speak to someone who can help me? i don't know my pin, and they won't speak to me to help me reset or obtain my pin. Worst.Company.Ever.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I requested my free annual credit report from all three credit bureaus via phone and TransUnion did not send me my report. I was supposed to get it within 15 days but did not and can not get past their automated system to talk to a real person. ( XXXX and XXXX did send me my report. ) It has been more than a year since I received my previous annual credit report and I am entitled to a new one and want it.
Product: Credit reporting or other personal consumer reports

Experian take off the missed payments and negative utilization for any charge off accounts and XXXXXXXX XXXX XXXX missed payments. I never missed any payments and XXXX uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
XXXX, as of today XX/XX/XXXX  you have 3 days max to take these no. Account holding inquiries off of my credit account credit report and on the 3 charge off accounts under usc 1681g 1666 my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
XXXX, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of 3rd party theft of my private and public information! Im filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter
Product: Debt collection

On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that per Equifax response on XX/XX/2018 that they have 60 days to investigate an issue that is on a credit report. My items that do not belong to me, which are XXXX XXXX  account number XXXX and XXXX XXXX   XXXX account number XXXX and XXXX XXXX account XXXX were all under investigation and for OVER 60 days! I have attached documentation from my credit files with the dates and under investigation.
Product: Debt collection

Its evident that Emerarld AR System do n't have proper documentation to collect this invalid debt. I do have access to files that were not signed by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from Emerald AR System. I have the right to request documentation with my " physical signature ; '' as identity theft is at an all time high. Feel free to respond to this complaint with '' XXXX RELEASE '' - Medical records and or Documents signed by me. If Emerald AR System have a right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being violated. **The attached forms does not show any signatures provided from Emerald AR System THIS IS NOT MY DEBT** I am aware of my rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing  this debt through an authorized representative to collect on this alleged debt. At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus ( XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days  from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my places of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be  done in writing and sent to the address noted in this letter by XXXX. 
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Mortgage

In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.
Product: Mortgage

Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Forster and Garbus, is pursuing a debt that is past the statue of limitations in New York State, where I live ( 3 years ) They now have a judgement against me, and have the XXXX county sheriffs office threatening to garnish my wages.Forster and Garbus also known as XXXX XXXX claims the default date XX/XX/2019 in which is past statue of limitations here in NY state.I have contacted the XXXX county sheriffs office and they have already said they will have to take action to garnish my wages. This is a debt that is past the statue of limitations. Thank you for your time and appreciate your help,
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

It started on XX/XX/2020 I arrived on vacation with my family at XXXX used my debit cards fine, but by XXXX than evening I had a " {$880000.00} '' hold on my account. I call that evening, no one know nothing. 
Woke up the next morning a Friday, called all day no one still knew nothing. I was forwarded to a recording that says the account was hold for my protection and was not in danger of closing. 
Called all day Saturday, was forwarded again to all departments no one knew nothing again.. But meanwhile my family and i can't eat or drink because I have no money .... 
Called Monday nothing again, Called Tuesday nothing but ... XXXX Now my online access is gone and my account is closing because of fraud! No phone call, no email, Nothing! I am without money, food and my family will not be having a XXXX XXXX. 
Bank Of America needs to stop as they are playing with people lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items 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 or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXK ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

My NAME was apart of the CYBER ATTACKS AND DATA BREACH a few months ago everything negative needs to be removed immediately and my score updated to XXXX credit score from all 3 credit reporting agencies nothing there was mine
Product: Credit reporting or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute and Request for Removal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent items from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently added to my credit report without my authorization and must be removed immediately in compliance with federal law. The presence of this inaccurate information on my credit report has caused significant harm, including defamation of character and financial loss, as well as severe emotional distress. This situation has negatively impacted my mental health and resulted in lost opportunities. I demand immediate correction of this error to reflect accurate reporting. 

The fraudulent accounts/inquiries include : XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 12. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 As required by law, the credit bureau must remove these items from my report within four business days of the submission of my complaint to the Consumer Financial Protection Bureau XXXX CFPB ). This statute mandates the immediate blocking and deletion of any fraudulent information reported by an identity theft victim. 
I have enclosed the following documentation in support of my dispute : A copy of my FTC Identity Theft Report A copy of my government-issued identification Any additional supporting documentation Failure to comply with this request within the mandated timeframe will leave me no choice but to pursue further legal action and escalate this matter to the appropriate regulatory authorities. 

Please confirm in writing that the fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these changes. 
I appreciate your immediate attention to this matter. Should you require any further information, please contact me at the details provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX. XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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 ( 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: Credit card

I'm getting multiple messages and phone calls from family members and non family members who share my last name saying XXXX  is calling them stating I owe money and asking them to pay. But when I call the company and ask if they're calling others and giving my information to others they won't answer me. They will tell me numbers associated with my account and besides my number it's constantly different numbers associated to my account and it's numbers I've never heard of. I've had the same number for over a decade.