23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While the situation has been ongoing beyond just the past year, from XXXX of XXXX  until now, this company has called me even after I have requested them to stop, and it is most often during my work hours. I miss a majority of their calls ; however, in the event that I answer one of the calls, 9 out of 10 times the person on the other line disconnects the call without saying anything at all, and it almost always is done at exactly 4 seconds. If I do not answer, they never leave a voicemail either. 

Additionally, this company has called me nearly 100 times in the past year. On top of that, I have received these nearly 100 different calls from 72 different phone numbers, many having different area codes. In the most recent month of XXXX, I received 7 calls from XX/XX/XXXX through XX/XX/XXXX. In XXXX alone, they called me a total of 22 times, sometimes more than once per day. 

It really seems like harassment is an ongoing issue here, as they have not stopped calling when requested. And it is feels like harassment because of the excessive calls and various numbers calling. I have the past years ' worth of calls logged in my phone, and I have every single one of those 72 phone numbers saved into my phone. And it is very annoying that I have written them letters ( sent via USPS ) and have never received any responses. The worst of it all is the fact that this company has not only harassed me but has been a detriment on my credit reports. 

The photos of the call log and the saved phone numbers are attached.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Mortgage

House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.
Product: Mortgage

Bayview Loan Servicing , LLC ATTN : Customer Service Department  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX  , FL  XXXX  They consistently misapply or do not apply payments. We pay more than what is due and they put the extra in unapplied funds. We are years ahead on our mortgage and they send statements saying we owe  two or three  months. I have called and was told it is not a problem as the website has the correct amount.   Today I called and their automated system asked me to pay as I owed for  XXXX  which was already paid and applied. I had received a statement showing they got the payment and now today another statement showing they got the payment and I owe two months. Last week I got a statement that I owed three months and  XXXX  's money was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to lift an Equifax credit freeze that was necessary for a time-sensitive mortgage refinance. I had my PIN number and all other relevant information, but was never asked for any of it. Instead I was asked to send physical copies of documents, including social security card and passport, to a PO Box in Georgia. While I am fairly certain I dialed the correct phone number for Equifax, the whole experience was suspicious. I was clearly connected with a foreign call center and I'm pretty sure I was not talking to a person likely to be named " XXXX ''. How do I know if this PO Box is even legitimate?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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: Payday loan, title loan, or personal loan

As stated in my employer benefits guide, they offer employees the ability to access their earned wages instantly instead of waiting for payday. You're allowed XXXX XXXX of your wages up to {$600.00} if you receive direct deposit to your payactiv account. In the past, I've accessed more than XXXX XXXX but now the company is stating my limit is only XXXX XXXX and this is the 2nd time they have escalated this same issue to another department to fix, but they refuse to fix it prior to the start of the new pay period which means when and if it's fixed, I can not access the wages since they'll be for last pay period. The Customer service agents can't do anything helpful and they are clueless and responses by email are encouraged but take hours between responses. I contacted them to provide the statement from my employer benefits showing my limit should be XXXX at XXXX, and it is now XXXX when someone finally responded saying the time to fix issues is XXXX to XXXX hours. This company has no transparency or helpful staff to solve issues. They lure consumers in then make it impossible to use their service.
Product: Mortgage

Filed for bankruptcy in XXXX  but still made mortgage payments while covered under the bankruptcy law. Mortgage company ( Rushmore XXXX ) received my payments for XXXX, XXXX and XX/XX/year>. At this time I was applying for a modification. XXXX which was not my mortgage company at that time, foreclosed and had a sheriff sale on my house without court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting

I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person
Product: Credit reporting or other personal consumer reports

I was never late on my account XXXX XXXX  it say I was late in the month of XX/XX/XXXX and XXXX of XXXX Account xxxx {$1000.00} Open XX/XX/XXXX Past due XXXX XXXX I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX  Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX Account Number : XXXX or XXXX, the payment history is wrong! XXXX and Equifax are showing 2 different payment histories. XXXX is missing last activity information. HOW MANY TIMES DO I HAVE TO KEEP DISPUTING THIS??? IT IS OBVIOUS THAT THE CREDITOR IS SENDING FALSE INFORMATION AND YOU ARE REPORTING IT!
Product: Credit reporting or other personal consumer reports

Original balance {$3800.00} Current Balance {$4000.00} Account number XXXX Date opened XX/XX/XXXX Last payment date XXXX XXXX, XXXX I dispute the validity of this debit.The dates of the last payments are not matching as reported.It appears I have more late payment dates reported to the credit bureau.Please verify the information and delete it from my credit report. 
Thank You
Product: Student loan

My student loans are serviced by Navient. I had a payment due in XXXX that I overlooked. They have all of my information on file, including the correct address and phone number. I've received zero calls or letters, but my sister received a letter from them trying to locate me, and asking her to call them. That is a third party disclosure of my debt and is illegal under the FDCPA.
Product: Credit reporting or other personal consumer reports

This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision. 

Violations of My Consumer Rights!!! 

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 Racial Bais Adding delinquent accounts to my credit report. Geographical Profiling Racial Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I noticed a concerning practice by Capital One representative, XXXX at Capital One bank. XXXX recited my personally identifiable information aloud. XXXX memorized and recited the last four numbers of my social security number, recited the last four numbers of my account number, and stated the entire balance of my account aloud, more than once. According to consumer law, companies are responsible for safeguarding consumers ' personal information. The practices of XXXX do not honor this responsibility and violates my consumer privacy rights. I made XXXX aware of the substantial injury that occurred due to the reckless handling of my personally identifiable information. I expressed my concerns to XXXX before, and unfortunately experienced another breach in my privacy today. Why did XXXX recite my personal account information aloud and in violation of my consumer privacy rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : PENTAGON FCU XXXX, PENTAGON FCU XXXX
Product: Mortgage

My loan was in foreclosure. I sold the house for more than I owed on the mortgage so my attorney obtained a payoff statement that was good through XX/XX/XXXX. We closed on the XX/XX/XXXX. My attorned wired the full payoff amount of {$400000.00} on XX/XX/XXXX. On XX/XX/XXXX the buyer paid the school taxes. Rushmore also paid the school taxes on XX/XX/XXXX. At that point we were told by XXXX XXXX of Rushmore that I would be charged interest on the original amount of the loan until the money was returned to them from the Tax Collector. This process took a few weeks and we were notified in XX/XX/XXXX that we owed an additional {$2300.00} in interest. My attorney sent this money on XX/XX/XXXX via XXXX and it was verified that they received it on XX/XX/XXXX. Rushmore still has not recorded a discharge with the County Clerk 's office. I spoke with them today and they said that it should be done soon. It is my understanding that legally they are to record this within 30 days. My attorney is holding money in escrow until this happens and until that time I can not get my money from a closing that happened XX/XX/XXXX. In addition, I am out the {$2300.00} in interest they charged because the payoff amount was short the {$5500.00} that was definitely known to them before the payoff statement was given and not included in their payoff statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been targeted by identity theft and XXXX and Transunion both are being deliberately uncooperative. Thankfully XXXX still follows standard procedures. I have reported numerous inquiries as fraudulent to XXXX, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. XXXX responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
Transunion has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist
Product: Debt collection

XXXX aka Credit Bureau Systems has repeatedly placed several inaccurate invalid and disputed debt onto my report. I HAVENT RECEIVED THE FIRST BILL FROM THEM FOR ANY ACCOUNT. They have several amounts they claim I owe. I dispute the debt, I win the dispute, and then XXXX Credit Bureau Systems XXXX XXXX XXXX KY XXXX opens up several new accounts and changes the account number and places it back on my report as debt owed. I disputed XXXX XXXX ( 3 debts ) to XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX. I called them early in XX/XX/XXXX, and sent a letter to them in XX/XX/XXXX regarding CBS. I won the dispute XX/XX/XXXX and it was deleted. I posted a letter I sent to XXXX about CBS. CBS placed it back on my report with a new account number after I disputed it and it looks like a new debt owed. I called XXXX Fraud Dept and the lady stated I would have to contact them, and that yes they were reporting old  disputed deleted debt making it appear to look new again by changing the account number and changing the amount owed slightly. This debt of XXXX XXXX went back onto my report as a debt of XXXX XXXX  in XX/XX/XXXX. So did 3 other debts of XXXX {$120.00} $ and XXXX XXXX They just make up new accounts and place it right back on the account, it does n't matter if they can validate it or not. Also they break HIPPA by giving out medical information to public about people. I 'm suing and I 'm asking for an investigation please! These people are criminals!
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit reports from a company called XXXX XXXX XXXX that I had no business relationship with. They are was attempting to collect on a an alleged debt in the amount of ( {$940.00} ). I sent a letter on XX/XX/2024 to validate this alleged debt and still recieveh nothing from them. After putting them on notice still I haven't received nothing. They continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g. This alleged debt is falsely representing the character, amount, or legal status of any debt. They also are violated 15 usc 1692f, as of their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. I've asked to reinvestigate this problem and still being furnish to my credit file with. Under 15 usc 1681i, you must delete from file after 30 days if no proof. By reporting to my file with inaccurate data is against the law according to 15 usc 1681s2. This is unlawful continuing furnishing false data to my file.
Product: Checking or savings account

I explained to Chime Immediately that I sent funds to wrong person., ( They had same first name ) I've never used this type of service, nor shown how to do so. I was in tears. They said they opened a fraud dispute. It was denied I wanted it reinvestigated. It denied again. In one night I sent out XXXX $ twice one to the right person, and 1 -XXXX $ to wrong person. It was an honest mistake, I notified them immediately, I have records, transaction history, and emails to these people, I can't get any supervisor are human to help me.. I ln sure I'm not only one in the world who has made a mistake due to me not knowing how to use this kind banking, nor was I ever shown, not even a video do they send me to assist. I'm below poverty level. I live on my Social Security benefits less than XXXX a month. I need ever cent I get and then some please help me find out where my money is and they give it back. I'm old. But I'm not stupid. They don't even answer my emails.they make me feel WORTHLESS.