23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXX XXXX had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXX XXXX to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.
Product: Debt collection

I recently checked my credit take and noticed a collection from a comoa y I have never done business with nor ha XXXX any contractd with. This fraudulent claim could potentially cost my family many XXXX  of dollars. 

CREDIT COLLECTION SERVICES XX/XX/2023
Product: Debt collection

Repeated phone calls to myself and family members even after being asked not to. Personal Info provided to an ex spouse. 
I have asked in 4-5 different emails for them them to help solve my problem setting up portal. Screenshot proof was sent of the message I get when I try. 
XXXX XXXX and XXXX XXXX have both been rude in their communication and told me they would just tell creditor Im just refusing to pay my account when I am not. 
The first I have heard of this was last Thurs. I have never even received anything in the mail. 
The bully tactics and threats are uncalled for. Especially when Ive asked for help solving the issue.
Product: Checking or savings account

I am not sure but I had checking accounts with XXXX  XXXX XXXX. Wells Fargo and XXXX Bank. And I just heard about your order to XXXX  XXXX XXXX to pay customers. I may be a client that these banks owe money to. But I dont know how to make sure
Product: Checking or savings account

I have XXXX issues. I am a veteran XXXX identity theft watch program with the office of personnel management via the XXXX due to a XXXX breach. 

Since fed agencies removed full socials and mostly all partial socials on all paperwork. I called in today and couldn't get an agent. I pushed the options to get checking account info after asking for an agent XXXX My phone is insecure as well as our phone call. Security XXXX  decided to ask for the last half of my social security number via automated bot and not agent like I requested. This is a XXXX failure in privacy. This happened on XX/XX/2023 around XXXX XXXX. I then spoke with an agent to file a complaint as cell phones are not secure lines with data breaches due to trusting all devices. I understand this may cause inconvenience but not XXXX person needs my social but me and my spouse ( husband or wife ). The agent and supervisor in question said I could give other info instead. The automated line did not allow that, instead, it said if I didn't put in my last XXXX that it would hang up and did XXXX. I called XXXX originally. Additionally, the supervisor wanyed to badger me on why i was questioning security when breaches happen daily even to XXXX, XXXX, XXXX, even to state offices. A company that questions why a user has security concerns when their name literally has security in it, is a fallacy on its own.. If I get breached again due to a company I have no choice but to sue for damages. 

My XXXX  issue is I use third party services for management. Before XXXX, plaid was trashed. I complained and was able to use it again. Recently, I can no longer use it. I don't want a security service app like this because I don't trust them with the last interaction when this is an ongoing issue so far especially with the issue noted above. All I want to do is use plaid and to not have my personal information exposed by companies that have poor security practice that can't even match state and fed level already. Fed employees can't even email me directly because I am required to use encryption and their secure messaging and calling. They don't ask for socials anymore period.. you can verify me just like they do..
Product: Credit reporting or other personal consumer reports

I have contacted Experian and XXXXXXXX XXXX numerous times between XXXX and today, XX/XX/year>. I spoke to a representative named XXXX between XXXX XXXX and XXXXXXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXXXXXX XXXX reporting an account negatively due to identity theft. 

It appears that XXXX XXXX and Experian Credit Bureau are refusing to honor government regulations, as Experian is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/year>, Experian removed the XXXX XXXX account by blocking my credit file, but XXXXXXXX XXXX instructed them to reinstate it. This has resulted in the loss of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and future potential earnings. 

I request that this account be removed immediately under FCRA regulations.
Product: Debt collection

Cavalry Port Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect and to address what I believe to be violations of my consumer rights under federal law, specifically as outlined in 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ), and 15 USC 1681-s 2 ( 7 ) ( A ). 
Firstly, I hereby revoke all rights for Cavalry Port to communicate with me via email, text, or phone calls regarding the debt in question. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am exercising my right to request that all communications be directed to me in writing only. 

Furthermore, I request that you provide me with the following information : A copy of the purchase agreement between Cavalry Port and the original creditor, validating your authority to collect this debt. 
Documentation confirming that you are licensed and bonded to operate as a collection agency in accordance with state and federal regulations. 
Failure to provide the requested information within [ insert time frame, e.g., 30 days ] will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and seeking legal recourse. 

Additionally, I dispute the validity of the debt you are attempting to collect. Despite my requests for validation of the debt in accordance with the FDCPA, you have failed to provide clear and accurate information regarding the debt. Furthermore, your collection practices have violated my rights under federal law, including engaging in harassing and abusive behavior ( 12 CFR 1006.34 ( b ) ( 5 ) ) and failing to provide clear and accurate information about the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ). 

Moreover, your actions have breached my privacy rights as outlined in 15 USC 1681-s 2 ( 7 ) ( A ). You have disclosed information about the alleged debt to third parties without my consent. 

I demand that you immediately cease all collection efforts related to this debt and provide me with written confirmation that you have done so. Additionally, I request that you provide the requested documentation and comply with all applicable laws and regulations. 

Thank you for your prompt attention to this matter.
Product: Credit card

Capital One opened a credit card in my name without my knowledge or consent. I reported this to Capital One. I also several times asked Capital One to give me any information that they might have that would help me to find out how this credit card was applied for and who might have fraudulently opened this card in my name. They have not done so. I have not received any follow ups from Capital One. I was asked to send documentation proving my identity and a letter asking for more information. Twice I was given the wrong fax number to send it to by Capital One representatives. I had to speak to a supervisor and spent almost an hour on the phone to get the supervisor to cooperate with me to help locate the documents I sent in and get them to the right department. Now the supervisor told me the right department should be able to process my request and will be in touch. But he would not tell me when that would happen. Or if it would happen via telephone or mail.
Product: Debt collection

Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to Synchrony Bank they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. Syncb/tjx Dc date of inquiry is XX/XX/XXXX, Syncb/qvc date of inquiry is XX/XX/XXXX and Syncb/ppmc date of inquiry XX/XX/XXXX are the three inquiries in question.
Product: Money transfer, virtual currency, or money service

Used Pay Anyone feature on Chime to pay for a puppy that ended up being a scam. Filed a police report and reported to FBI and FTC. Chime said I could not get money back because it is a peer-to-peer payment application. I am out {$3100.00} from scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why and how the XXXX XXXX XXXX are even able to continue reporting the fraudulent accounts and information on my XXXX XXXX. On XX/XX/XXXX, I sent a dispute letter to the XXXX XXXX XXXX requesting that they investigate and remove the accounts and information from my XXXX XXXX that resulted due to fraudulent activities. However, I happen to check my updated Credit Report and was shocked to see that despite my efforts, the disputed items are still being reported. I demand the XXXX reporting Agencies to send me copies of proof of verification or any documents giving these items the rights to exist on my Credit Report. Under the protection of the Fair Credit Reporting Act section XXXX, the XXXX XXXX XXXX are required by federal law to remove the accounts and information from my Credit File that resulted due to fraudulent activity and yet the Credit Bureaus still indicated the disputed items on my Credit file without properly verifying the items ' accuracy. XXXX again, I need the following items removed completely from my Credit File without any excuse nor exception : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX. I demand the XXXX XXXX XXXX to send me copies of their so-called " investigation '', that is if they conducted any at all. In the event that the Credit Bureaus are unable to provide these documents within the time allowed by law ( XXXX XXXX  ), I expect nothing but immediate deletion of the disputed items from my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Reviewing my report with XXXX XXXX XXXX XXXX XX/XX/XXXX I saw that BMO Harris bank has reported negatively about my banking history. It states I am being reported for non-sufficient funds ( NSF ) activity. Reported date XX/XX/2020 with charge off amount being {$730.00}. Called customer service 3 times and got absolutely nowhere. 1st time calling on XX/XX/2020 customer service rep said he couldnt help me but that he could & would send an email to that department requesting that Id like a call back promptly to discuss this. No call. 2nd time calling on XX/XX/2020 I told customer service I needed a phone number to whomever had the authority to discuss & fix this. After waiting 45 mins Customer service rep said she couldnt find a direct phone number but she would contact her supervisor and email me the contact info. No email. Lastly the 3rd time calling on XX/XX/2020 customer service rep said oh sure let me transfer you then dial tone! Disconnected. Im very upset because these fees/charges for {$730.00} escalated from fraudulent charges that resulted in overdrawing my account which resulted in overdraft fees and so on! I was told back when these fraudulent charges happened that I wouldnt be responsible for any of these charges or fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX still reports that I missed payments, and that the loan isnt fully paid off. The loan was fully paid off, and no payments were ever missed. I have tried to fix this several times, but they will not send over a statement.
Product: Debt collection

Midland credit management took it upon themselves to file on XX/XX/XXXX for a debt from XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to Transunion Credit Reporting.

I disputed with Transunion, asking for the same documents and they replied it's my debt and no documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased vehicle was returned on XX/XX/20. Final check # XXXX of {$990.00} was mailed on XX/XX/20 to pay off the remaining balance, posted on XX/XX/20 on their website incidicating payment was received. The withdrawl also appeared on my bank account on XX/XX/20. Shortly after this I have started to receive calls from Kia Motors Finance ( KMF ) indicating my payment was not recieved and there was an outstanding balance of {$990.00}. I spoke to several individuals over the phone at KMF and have gotten very different explanations each time. I was first instructed to wait 7-14 days due to the check possibly not getting posted on their end, even though my bank statement showed the transaction. After this incident I spoke with another individual who requested my check number which I provided and he explained to me they would have a supervisor look into this matter and contact me via phone. I never heard back from the supervisor, each member of KMF indicated they saw the comments from the last employee I spoke with however nothing was done. Most recently within the past few months ( XX/XX/20 ) I was advised I need a copy of the check in order for them to look into this matter. The transaction that took place on XX/XX/20 from my bank indicated my check was converted to an electronic transaction by the merchant. ( KMF ). Due to this I was unable to obtain a copy of the check. I have contacted my bank as well and they only have the transaction that took place on that day. On XX/XX/20 My credit reporting agency alerted me that I am deliquent on this payment. I have once again contacted KMF explaining this charge has already been paid off and I have documents I am willing to send over to support this. However, KMF always gave me the same response now that I need a copy of the check and they were not sure why it got converted to an electronic transaction. I most recently on XX/XX/20 recently filed a dispute with XXXX  indicating this information is not correct. On XX/XX/20 I received my dispute back results indicating this information was reported correct however the KMF loan indicates the account as closed but I still show the negative impact on my credit report. Thank you for taking the time to read this, I would like this issue to get resolved as soon as possible.
Product: Debt collection

On    XX/XX/XXXX    I began a payment plan for my   XXXX   XXXX  / XXXX  student loan. After few months of paying, I got  laid   and become unemployed for several months, until  XX/XX/XXXX  through  XX/XX/XXXX .     I paid as I could.     On  XX/XX/XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on   XX/XX/XXXX   but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,    XX/XX/XXXX    - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting

I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.
Product: Credit reporting or other personal consumer reports

I have been in 34 different data leaks. Not one company made an effort to inform me of any of this. My personally identifying information was found on the dark web and sold. I will attach a complete list of companies, if you will give me a chance to compile. Some of these companies had already been taken in front of the FTC. I have never received any notice or information. I am only now learning of all of the damage that has been done to me. My be informations that were taken has been : Name, Birthdate, place of birth, maiden name, married names Social Security Number, Adresses, telephone numbers, work, bank accounts, every piece of information except for the fact that I am a convicted felon. Through a little research, I have found that I have someone passing themselves as me in XXXX. This person even uses my address in XXXX, Georgia. Unbeknownst to them, that is the address of a state approved halfway house for prisoners being released from state prison that has no actual home plan. I will gladly gather all of the evidence and send it in as well. Off hand, I have been in XXXX data leak. Equifax. And quite a few more, like I said, 34 different data leaks. This has diminished my credit. My information is still being used in all different ways. All obtaining bank accounts, credit, and even with private businesses. I can not get a home loan, any type credit product, or financing for nothing. Not even the legitimate business I am trying so very hard to start. This has lead to a complete financial hardship on me.
Product: Mortgage

I have applied to Planet Lending solution center to have a loan mitigation. Planet keeps asking for the same information and running out your time for a positive workout solution to retain your home. 

I am working with a XXXX XXXXXXXX XXXX. His name is XXXX XXXX XXXX and he has been very helpful but Planet is giving me the run-around. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely worried they will foreclose on my home. 

Please help me best regards XXXX XXXX