23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. On XX/XX/2020, I received a call from XX/XX/XXXX Call XXXX XXXX XXXX at XXXX. I answered and was given a reference number which I didn't have time to write down, or given the option to press 1. 
I pressed 1, and asked who they were and why are they calling me. I was told they are trying to reach XXXX XXXX and this was the number given to call. I explained that I have been divorced from him for over 13yrs and have only his state and town, XXXXXX/XX/XXXX She gave the rest of the address and I said yes I believe that is the address. I asked what this is about, she said they couldn't say. Only that they have been trying to reach him. I asked if this affects our children, she said no. She said they plan on paying him a visit next week. I told her I think I have a phone number but would need to look for it, and she said to call this number for Dispute Resolution XXXX XXXX XXXX, with a reference number, and give them any information that might be helpful. 
I called this number and someone named XXXX XXXX answered. I asked again for his name and address, he said this is XXXX XXXX and I don't give out my address for security reasons. I said I received a call from them, he interrupted me and said no, they don't make outbound calls. I said yes, you did, at XXXX today. He was extremely rude and said no one called me. I said ok, agree to disagree but I want you to stop calling me with any issue with my ex husband, we have been divorced for more than 13 years and I have nothing to do with him or his affairs. He said he suggests I contact my ex husband and tell him to resolve this before I am visited next week, and he couldn't say " what might happen when they come to your door ''. This upset me and I said why would anyone come here?? My ex husband is in XX/XX/XXXX, I'm in Pennsylvania. 
This XXXX XXXX person then proceeds to say " yes you're divorced but at one time you shared bank accounts, credit cards and probably many other things ", in a very rude, inappropriate tone. I said " thats inappropriate ''. He proceeds to say, loudly " nothing inappropriate about it, get your mind out of the gutter, you dirty old lady '' and hung up. 
I decided to try to call back the number that called me, the XXXX XXXX XXXX, and it said my call could not be completed as dialed. 
I believe this is a scam, many red flags. The fact he used a very fake sounding name, refused to give me the address, used threatening language and was very aggressive and rude when I questioned him.
Product: Debt collection

On XX/XX/year>, I noticed that Kingston Data still had added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Kingston Data and Credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately!! I am not requesting documentation because this debt does not belong to me!!!
Product: Mortgage

I purchased a new construction home on XX/XX/2020, my mortgage servicer originally was The XXXX XXXX. My 1st payment was due and paid for XX/XX/2020, then on XX/XX/2020 my mortgage was transferred to Mr. Cooper, I had called to inquire about statements and all of that since my XXXX payment would be due and they informed me that information is still being transferred over. On XX/XX/2020 I received my 1st statement from them and the escrow account owed was {$1100.00} instead of the {$680.00} that it should have been and was with the original servicer ( which was still high for what was owed ). I called that same day and was informed that they would escalate for an escrow analysis. On XX/XX/2020 I still had not heard back so I called again and was transferred to an escalation specialist XXXX XXXX who confirmed that the amount due was much higher than it should after reviewing my annual tax and insurance dues, she also confirmed that there was no escrow analysis done despite my being told previously that it was set up to be done. She said 3-5 business days and there should be a response, there was no response so I emailed her XX/XX/2020 and asked for an update, she responded that it would take a little longer to resolve. I follwed up on XX/XX/2020 with another email and was replied on XX/XX/2020 that it was resolved and that it will take 48 hours for the new statement to be updated online. The new statement was not updated and I am on the phone right now with another agent ( XXXX ) who informs me that the analysis is only effective as of XXXX and that the extra {$480.00} is still owed for XXXX ( which I already paid the old servicer for ) and XXXX. She also informed me that the new payment amount will be {$2000.00}. Since the loan was transferred I had 60 days before negative impacts will occur, but that time is quickly coming up and with the holidays soon it will take away from actual hours worked on my case. 

I calculated my total annual escrow obligation to be as follows : PMI {$650.00} Insurance $ XXXX County Tax $ XXXX Municipal Tax $ XXXX School Tax $ XXXX for a total of {$3000.00} which comes out to $ XXXXmonth ( add a little in there for reserve funds XXXX XXXXTax amounts owed based on preliminary assessment, I have already appealed and have the assessment lowered so those values will actually decrease in a week or so.
Product: Debt collection

I do not owe I do not owe this i have been writing for years asking for proof and to remove from my credit reports.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

On XX/XX/XXXX  I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.
Product: Debt collection

The Best Service Company has inserted itself on my Credit Report and no information has been received by this company to date despite my attempts to dispute. Please do not call me I am represented by an attorney. If you do call me do not record ( REVOKED ). 

This debt does not belong to me at all.
Product: Debt collection

I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Ive spoke to XXXX from Equifax about two accounts on my Credit Report. Which are # XXXX XXXX XXXX Account ending with # XXXX, its closed and charged off, Also # 2 XXXX XXXX XXXX which doesnt have an account # on this report. As I ask the question of do you have a signature on these accounts from me that I consent to these accounts, XXXX started giving me the definition of the banking system and The Credit Bureaus and I asked again do you have my signature to consent these accounts. Again XXXX dodged the question and I can heat in his voice he was irritated so I asked for a supervisor it took 10 minutes he stated they dont need a signature he knows the law I said do you understand what 15 usc.1681 b2 he says yes you must dont fully understand the law his voice got louder as I started to read ( 2 ) disclosure to consumer which I didnt get a chance so I said you have a great. Im going to file a report this has made me feel sad someone yelling on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XXXX17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed items as soon as possible. 

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

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Chase closed my AARP Chase credit card without my consent. Although I can understand closing an account for abuses or non-payment, it does not seem right that a card company can simply close an account because they are not satisfied with how much I am using their card. When a credit card company decides to take this action they are potentially having a negative impact on a consumer 's credit as the total amount of available credit is reduced and the average age of open accounts may decrease. This kind of tactic should not be allowed to take place and I hope you will thoroughly investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. TransUnion Consumer Solutions is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2015, I purchased a XXXX XXXX XXXX for {$36000.00} financed by Capital One Auto Finance with 15.10 % APR. I admit I was late 3 times due to illness and loss of employment in 2015. Since 2015, my payments were divided into 2 installments every week by direct withdrawal. This year, I decided to purchase another house. To my surprise, Capital One had reported my car payments being more than 30 days late 22 times. They received payments from me every other week as arranged via automatic withdrawals. I called Capital One numerous times, disputed this with all of the credit bureaus but Capital One will not bulge. I had paid late fees 22 times as well. When I call, I am always given a script. " The status of accounts is automatically reported at the end of the month. My payment was due on the 24th of the month. There is supposed to be a 10 day grace period which would extend beyond the end of the month, if that is so, how can the account be late if that was the case? Also, that is not more than 30 days late. No one can assist me or a willing to assist me. A couple of weeks ago, I was pre-approved by Capital One for another auto loan for {$35000.00} for 11.1 % APR. I needed a new car. It was impossible for me to obtain financing on my own even with my 6 figure income and proof that my payments were not late 22 times. I had to have a co-signer to be financed by another bank.
Product: Vehicle loan or lease

This company is a fraud, Im starting to do a round up of signatures of people this company have messed up, this is the second time reporting this agency they keep calling harassing me after i have decided to give they broke car back to them, they closed the loan and still called and harsh me i got recorded conversation where the agency said the car was fix and then she came back in the same conversation and said that they didnt fix the car, but she also said they will give me a report on what was repair on the car i have attach the phone calls and copies of the recorded conversation on my credit report it shows a closed account and repossessed she claim they will repoen the account after the car was fix they have not sent over to me the report where the car was fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made NUMEROUS unsuccessful attempts to remove the INACCURATE INFORMATION that appears on my Experian ACCOUNT ONLY! Per the credit report received XX/XX/2022, Public Records Information. 

If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third-party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, or visit https : XXXX. 

HOW is this possibly true. As I have attached the XXXX Report, they DO NOT have any records for me regarding bankruptcy and the letter from the Bankruptcy Courthouse. Therefore PLEASE ADVISE AS TO WHY THE INFORMATION CONTINUES TO REPORT AS VERIFIED.? XXXX AND XXXX REMOVED THE INACCURATE FRAUDULENT INFORMATION years ago, however, I have experienced issues beyond issues of EXPERIAN inaccurate reporting that have caused me stress, anxiety, heightening of my XXXX, Major XXXX, etc.. I have previously filed a complaint with CFPB, and they responded to you, and you ( EXPERIAN ) STILL did not REMOVE THE INACCURATE INFORMATION. Therefore, I will file a complaint with the FTC today and a lawsuit for damages I incurred due to the NEGLIGENCE OF EXPERIAN FALSE VERIFIED REPORTING. I AM ATTEMPTED TO PURCHASE MY HOME AND THIS HAS HINDERED ME, causing IRREPARABLE DAMAGE to include : 1. WILLFUL FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 2. NEGLIGENT FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 3. WILLFUL FAILURE TO REASONABLY REINVESTIGATE 4. NEGLIGENT FAILURE TO REASONABLY REINVESTIGATE 5. FAILURE TO INVESTIGATE Following this complaint, a complaint with be filed to the FTC with attachments for further investigation.
Product: Credit reporting or other personal consumer reports

I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.
Product: Debt collection

Dear Portfolio Recovery Associates , LLC, Thank you for your response and for investigating the complaint regarding the PRA account ending in XXXX. 

I would like to address the points made in your response by referencing the relevant provisions of the Fair Credit Reporting Act ( FCRA ) : Verification and Validation of Debt : According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which is often cited alongside FCRA regulations, a consumer has the right to request verification of the debt. While you mentioned that you have sent validating documentation, this does not serve as proof that I owe PRA for this debt. I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor XXXX XXXX XXXX XXXX XXXX ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt.

Accuracy and Integrity of Information : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information provided. I require evidence that the account information reported to credit bureaus is accurate, complete, and free of any discrepancies. 

Cease Communication Request : I appreciate your acknowledgment of my request to cease all communications regarding the PRA account. Be reminded that under the FDCPA Section 805 ( c ), debt collectors must cease communication upon written request, except to advise that the collector 's further efforts are being terminated, or to notify the consumer that the debt collector or creditor may invoke specified remedies.

Dispute Resolution : According to Section 611 ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information directly with the consumer reporting agency and the information furnisher. If I find any inaccuracies in the validating documentation provided, I will exercise my right to dispute such inaccuracies.

Request for Contract Assignment and Wet Signature : To further validate this debt, I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor XXXX XXXX XXXX XXXX XXXXXXXX ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt. 

Consequences of Failure to Provide Documentation : Please be advised that failure to provide the requested documentation within 15 days will be grounds for removing the account from my credit report. 

I expect your immediate attention to this matter. Failure to comply with these requests will result in appropriate actions to protect my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian US changed my membership that was free to an upgraded membership that charged {$24.00} per month without my request or consent. Luckily the monies were not disbursed on the occasions that Experian Credit Report attempted to collect XX/XX/2024 and XX/XX/2024. There is no way to opt out of this membership without calling a phone number where you are asked for your SS number and then transferred to an operator that is working outside of the United States where they then ask you again for your SS #, full name and date of birth. They then try to persuade you by promoting what they do and what you are risking by not keeping the membership upgrade that they took upon themselves to change. This had to be repeated to me at least 4 times because I could not understand what the young lady was saying to me and my hearing is great, I am a recent just turned XXXX XXXX XXXX XXXX. They did not deny that they took it upon themselves to upgrade and [ attempt to ] charge me for the new membership the female only stated that they were unsuccessful at collecting the monies on XXXX separate occasions. I should not have to have this huge of a concern for credit bureau as large as Experian taking money from me without my permission or request for a membership upgrade and then I have to search for a phone number to call them and there is no one available on the weekends to speak to about this issue.
Product: Mortgage

Mortgage companies are not honoring contract n misapplying payments for 17 years and refuse to correct principle amount due. Refuse to acknowledge fee paid at closing to lock interest rate. 

Also refuse every dispute i file with credit reporting agencies. 

Would like some help with this. 
I shouldnt have to file suit in court to get them to do their job n fix their mistakes of misapplied funds over 17 years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act ( CFPA ). specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.