23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX turned my debt over to Clear Credit Services who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.
Product: Mortgage

I lost my job on XXXX of XXXX, My wife and I started having financial difficulties to where we were being late on payments. The most we were late was maybe XXXX months. In XXXX of XXXX.we started noticing people driving up to our house taking pictures and looking into our backyard. This went on even after we caught up our payments. I confronted an individual one day standing in my yard taking pictures in XXXX of XXXX. The lady stated that they were from Select Portfolio Servicing and they were just making sure no damages were to the house. I contacted SPS and told them not to send anyone else and that I almost shot a man looking into my backyard on a ladder in XXXX of XXXX. The visits stopped but if we are XXXX  days late, they start calling XXXX to XXXX times a day, My wife always tell them a day she will pay and we do but they continue to call and have now started sending letters in the mail regarding foreclosure and default over XXXX late payment. They purchased my mortgage from XXXX XXXX in XXXX and has been horrible to work with due to continual harassment. We purchased a mortgage on this house on XXXX of XXXX.
Product: Mortgage

I applied for a short sale in order to prevent a foreclosure on my home in accordance with the CA homeowners bill of rights which gives me the rigth to save my home from a lender foreclosure, my foreclosure date is XX/XX/23, which is plenty of time to apply and start the process for the sale of the home, but SPS the servicer of the loan and not the lender has repeatly lie about that they were not able to complete the valuation because the real estate agent they hired to do the XXXX was`nt able to reach me to to gain entry into the home to look inside, which is a flat out lied because i spoke to the agent to set up the appointment and he never showed up because SPS cancelled the the appointment for no reason and not even the agent knows why it was cancelled either, I also included a letter addressed to the CA ATTTORNEY GENERAL OFFICE stating repeatly that they couldnt get a hold of anyone to set up the home inspection which is a total lie, and now there telling me its too late to save my home with a sale date in XXXX, nonsense!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Trans Union Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. 

Below are the details of the disputed late payment : Creditor Name : Trans Union Date of Late Payment : XX/XX/XXXX Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. 
Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. 
I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. 

Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. 

Thank you for your assistance in resolving this dispute promptly and accurately. 

Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.
Product: Debt collection

I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. Account name 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 Has violated my rights. I looked at my_Trans Union_XXXX XXXX XXXX XXXX And notice some things are incomplete and not accurate. According in the fair credit reporting a Whenever a consumer reporting agency prepares a consumer report I shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 I 5 there are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) Of any information disputed by a consumer, An item of that information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( 1 ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( XXXX ) Promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681S-2 there are supposed to be not furnish Any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX i also attached evidence 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

Id reached out to the company in XX/XX/2019 when it was paid ( {$56.00} ) and theyd informed me that theyd combined it with other medical bills but they would remove them individually and was unsure why it was still reporting to my credit report. Theyd also informed me that the inquiry would be removed within the following months. Id let them know that I was facing financial difficulties due to my son being hospitalized but would attempt to make other arrangements as soon as I could. Please remove this inquiry.
Product: Debt collection

I AM UNAWARE OF THIS ALLEGED DEBT I HAVENT RECEIVED CERTIFIED NOTICE
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from Dnf Associates, LLC. Case # XXXX I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and XXXX. As I know that only a contract/signed agreement between Dnf Associates , LLC. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement.
Product: Checking or savings account

The party I have a complaint with is Dave, a cash advance app. Here is an outline of the chain of events : XX/XX/XXXX : I get the Dave app and begin using its advance services. I take out an advance ( which I am not legally obligated to repay ) XX/XX/XXXX : I send Dave an email revoking ACH authorizations " from all accounts associated with my personal information '' XX/XX/XXXX : I send a Cease and Desist Order, demanding they stop emailing statements for this Dave ExtraCash Account. 
XX/XX/XXXX : I received another email Summary of their violations : - Fraudulently charging my Dave ExtraCash account after I revoked my authorization. 
- Refusing to stop emailing me after I have implicitly and explicitly stated that I no longer want to do business with them and that I wish to stop receiving these emails. Even if they did have a reporting requirement for the checking account, I have a right to NOT receive that info via email. It should have no activity on it in the first place
Product: Mortgage

I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2023 by Florida HAF and M & T still has not posted the payment to my account. My mortgage is now 27 days due to their negligence.
Product: Credit reporting or other personal consumer reports

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX with credit cards ending inXXXX XXXX XXXX and XXXX XXXX  ending in XXXX XXXX, XXXX XXXX  XXXX XXXX Credit Cards ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX XXXXt card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. I received a notice from XXXX XXXX that the transaction took place along with a phone number to call XXXX XXXX if there were any questions. I called XXXX immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. Upon contacting XXXX they said it states on their website not to send money to anyone other than family and friends. I thought I was sending money to a friend. They will not refund money. 

Proof of product for sale and conversation with seller attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : XXXXXXXX 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 NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX this account below has violated my rights according to 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.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Product: Debt collection

Have been receiving letters and phone calls from Phoenix Financial Services claiming I owe a medical debt. I called Hospital and am in good standing with the Hospital and do not owe the {$930.00} debt they are trying to claim. So called Emergency Services of Oklahoma XXXX in  2015
Product: Debt collection

Scam alert!! Debt Collection on credit report by SIMON 'S AGENCY, INC. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$350.00} for medical care. My Medical insurance, XXXX XXXX, pays full coverage for all of my medical services. I have Explanation of Benefits showing all claims are paid in full. The Simons Agency fraudulently attached this medical debt. The origin is listed as XXXX " XXXX ''. This is a non-existent medical provider and spelled incorrectly. Please remove this fraudulent medical debt. I am a XXXX XXXX XXXX and this has lowered my credit score dramatically. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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

XXXX  XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2020
Product: Debt collection

I was a victim of identity theft, I have already closed accounts that were opened fraudulently using my credentials. I was contacted in XXXX 2015 by XXXX XXXX XXXX of Rocky Point Capital informing me that I would have to give an official statement for some " trial '' immediately. I informed him that the debt was fraudulent and emailed him a copy of the police report on XXXX XXXX, 2015. He gave verbal confirmation that he had received the police report, that the debt was verified as fraudulent, and that it would removed from my record and the case closed. On XXXX XXXX both my mother and I were contacted by XXXX XXXX XXXX from the XXXX and XXXX debt collection agency who informed us that his firm had been retained by Rocky Point Capital to seek payment for the debt. I emailed them about this matter on XXXX XXXX and received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I XXXX XXXX send out an identity theft form and certain accounts have been still reporting on my consumer report that needs to be removed causing danger to my lively hood of establishing credit.
Product: Mortgage

I received a letter from the county stating we owed {$750.00} and {$67.00} in late fees for property taxes. This later is dated XX/XX/XXXX. We have until XX/XX/XXXX before we are placed on delinquent tax list. I called freedom and they said this was not paid during the closing process and they will investigate and pay any late fees. They also said this takes an average of 21 days to complete. That is too long and because of their error I will be on the delinquent tax list if it is not paid. I asked if I could pay the amount and they said they would need proof and would not cover any late fees. I have faxed information requested and now I wait and hope they fix this by the XXXX otherwise I will pay it so I do not get penalized for Freedom Mortgage 's mistake!
Product: Debt collection

This was the 1st letter Reference : XXXX without an actual date but said I was disputing it. The 1st letter said I need to responded by " XX/XX/XXXX '' Then I get another letter with a different reference number Reference : XXXX. The 2nd letter said I need to responded by " XX/XX/XXXX ''. I never received the information from the 1st letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a district court in my state dismissed ( with Prejudice ) a debt collection agencys lawsuit against me in the amount of $ XXXXtheir lawyers did not comply with my discovery request and as a direct result, lost their case. I reached out to the debt collection agency on XX/XX/XXXX to dispute the collections account since the case was dismissed. Not only did they not process my dispute, they stated that they would continue to report to the credit bureaus twice per month. Please help! This is affecting my ability to get approved for credit and to get decent interest rates! Thanks.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

In XXXX, I became aware that my son had been using my XXXX account. I called XXXX several times notifying them that my son was using my account. They changed my password, but he still got in. They deactivated my devices and changed my password again, but by that time he had my full card info. He got it by going into my XXXX account. He then opened a new account and attached my card to it. I then called the credit card company and told them. They told me that they would put a text alert on the account so that I would know if it had been used. The representative put the alert of the wrong account ( I have two accounts at Citibank -- the one I inquired about and a balance transfer account ). I did not want to close my account as I thought we had managed the problem through the secondary verification/fraud alert and I was about to leave on a two-week vacation in XXXX ( I notified them of my dates to be away at the same time ). While I was away, my son made {$3700.00} in XXXX charges. I called the credit card company again ( this time from XXXX ) and they finally put a fraud alert on my card and assured me that I would be reimbursed for the charges. After that call ( the third or fourth call I made ), every time the card was used, I received an email. If they had put a fraud alert like this on the correct account the first time I called, there would not have been {$3700.00} in charges. 

Also, when I called in before I went on my trip, I gave the company the dates I would be in XXXX. I do not understand how someone using my XXXX account repeatedly in Hawaii did not trigger a fraud alert when i let Citibank know I would be out of the country for 2 weeks. There were XXXX charges on XXXX while I was away -- none of them were made by me. 

Citibank now refuses to refund any of the money saying that I have to file a police report. They have tossed me back and forth. I have spent hours on the phone. One person hung up on me when I asked for the contact info for someone I could write to about this. Customer service supervisors refused to speak with me and refuse to take any responsibility for not issuing a fraud alert when I notified them of the activity on my account. My son is XXXX, but he is also XXXX. He has a severe, diagnosed XXXX XXXX problem. At this point, he can not work and has no ability to pay the money back. No one will be served by putting him in jail. 

The whole thing could have been stopped simply -- if Citibank had put a fraud alert on the account the first time I called in.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Ally Financial requesting the verification documents and the verification methods. I received a letter showing incomplete payment history and no other verified documentation.