23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have made a reports On identity theft.gov, I have multiple hard and soft inquiries on my credit report that I have not applied for. Also have addresses that are not mine and my birth date is listed as XXXX when I was born in XXXX. My information was leaked in two data breaches, XXXX and also XXXX. If you could please assist.
Product: Mortgage

My loan was sold from XXXX XXXX XXXX  to Select Portfolio in XXXX. I had forced placed insurance with XXXX XXXX for years. Select Portfolio sent me a letter to provide hazard insurance but that was handled by XXXX XXXX. Select charged my escrow over {$7000.00} for insurance, increased my payment by {$2400.00} and then pulled that amount out of my account. My normal payment was just under {$900.00}. They also charged my escrow {$620.00} for the new insurance I did get and didn't acknowledge their mistake. Select Portfolio should have reached out to XXXX XXXX to find out that I had forced placed insurance with them, but they did NOTHING. When I called to have it fixed, they told me they " might '' send me a {$1900.00} check back. They then would not waive the fee to make payment over the phone or online. I told XXXX in escrow that I was going to file a complaint with the CFPB and my call got dropped by them. I did not ask to have my loan sold and it is the mortgage companies responsibility to coordinate these things. I'm XXXX XXXX XXXX and had this set up on auto pay. The person then told me to not incure a transaction fee to take the payment to mail it. Even though the account would still show I owed {$2400.00}, to make my new escrow payment of {$960.00}, which I did. I mailed the check over XXXX weeks ago and they have not posted it yet and now charged me a late charge. The escrow was a mistake by Select and should have been fixed right away instead I was told it would adjust in XXXX. The people I spoke to refused to accomodate any assitance. When selling my loan, there should be complete coordination between the parties and I should not be involved other than paying someone else. I would like the CFPB to investigate this and assit with getting my account back on track. Thank you...
Product: Credit reporting or other personal consumer reports

I have discovered accounts on my credit report that do not belong to me, and I have no association with them in any way. This situation is not only unjust but also extremely stressful and alarming. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate and truthful credit report. These errors should not be negatively impacting my financial reputation. I demand a full and immediate investigation into these discrepancies, and I expect them to be corrected promptly. If this issue is not resolved to my satisfaction, I will be forced to take legal action to ensure my rights are protected.
Product: Debt collection

The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted. 
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}. 
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing. 
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX. 
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX. 
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}. 
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made. 
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX. 
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use. 
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account. 
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXX XXXX XXXX XXXX Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have created a checking account and a savings account with Wells Fargo Bank. My account was hacked, and they transferred money from my checking account to another bank by wire transfer, I lost a lot of money, and I can not get the money back now.
Product: Debt collection

On XX/XX/2021 I sent a notarized debt validation letter via certified mail to Credit Central and they received it on XX/XX/2021. The validation letter also states to cease all communication unless it's through mail and it's responding to the validation of the alleged debt. Today, XX/XX/2021 I received a phone call at XXXX from the collection company asking when would I be paying a debt? I asked the debt collector who gave her permission to call my phone and she got quiet and then said that she was trying to see when I was going to be able to pay my alleged debt. I asked her again, " who gave you permission to call my phone? '' She then hung up on me. At XXXX I received another phone call from a gentleman asking me when I was going to make a payment on an alleged debt. I asked him when did he get permission to call me and he just kept going on and on angrily until I just told him to have a good day. Pursuant to 15 usc 1692D " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' Also the definition of debt under 15 usc 1692A ( 5 ) is " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' The definition of consumer under 15 usc 1692A ( 3 ) is " The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. '' I also received a letter from the debt collector on XX/XX/2021 stating that they have made several attempts to contact me about my account that came due in the amount of {$280.00} which may include late fees. They then proceeded to say that they reviewed my account and it shows I have {$160.00} cash available and if I wanted to take advantage of the offer I needed to contact them TODAY! Pursuant to 15 usc 1692J ( A ) " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( B ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ''
Product: Debt collection

I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency.
Product: Mortgage

The documents attached to CFPB Complaint # XXXX, indicates that the signatory was not an employee or XXXX of XXXX Bank XXXX If he was authorized to execute the document, that would require a separate power of attorney or appointment as agent to execute such documents. This is another reason why I demand that XXXX Bank acknowledge and affirm that it is the owner of an unpaid loan account due from me, that it has appointed SPS as a servicer over the unpaid loan account, and that it authorized this attorney to execute the limited power of attorney. I have attached this copy of the limited power of attorney and referred to it in the body of my demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the official https : XXXX, I have now TWO YEARS running, been able to download my credit report from XXXX  and XXXX, but Experian 's website is defective and repeatedly gives the un-helpful " A condition exists that prevents Experian from being able to accept your request at this time ... .blah ... blah '' and says contact them by US Mail instead . Not happening. 

Please force Experian to fix this defect for all US Consumers.  Thank you.
Product: Credit reporting or other personal consumer reports

I have placed over 6 complaints attempting to get old addresses, telephone numbers, and names removed from my credit report. The information that I am requesting removing is old, wrong, or unknown. Lexisnexis provides investigation reports indicating that the information is removed but once I review the report there are no changes made. 

It has been a lengthy process and a total nightmare dealing with lexis nexis. Something needs to be done to stop this agency with providing a horrific service that is costing consumers ' added expenses when purchasing various products.
Product: Debt collection

Today XX/XX/XXXX I receiveda debt collection notice in the mail from I.Q. Data International , Inc. for a debt to XXXX XXXX XXXX for {$190.00}. When I called I.Q. Data International explained that the {$190.00} is due for cable and utilities from XXXX. Since I never receiveda bill from XXXX XXXX XXXX for {$190.00}, and in fact only ever received a bill on XX/XX/XXXX for {$110.00} for the same period of time ( XXXX ), I told the representatives at I.Q. Data International , Inc. that I would like to contact XXXX XXXX XXXX to understand 1 ) why I never received a bill for the alleged {$190.00} that is now in collections and 2 ) why I am being billed for the same period multiple times. 

2 different representatives at I.Q. Data International , Inc., first a male and then a female, threatened that if I did not immediately pay or give them my employment information they would report the debt to the credit bureau and damage my credit. After explaining to the male representative that I had no problem paying for a bill that was due, but first wanted to contact XXXX XXXX XXXX to get a copy of the bill since I never received it, he told me that if I did not provide my employment information before hanging up he would report me as refusing to make payment. I specifically stated that since it was a recorded line I would like to state that I had full intent to make the payment, however, I wanted to speak to XXXX XXXX XXXX to receive a copy of the bill first. I was then put on hold and a very aggressive female took my call next. She was extremely rude, would not let me speak or ask questions, and again threatened that my credit would be damaged if I did not pay immediately over the phone. When asked for a breakdown of the itemized charges on the bill she spoke very fast and even after asking her to slow down because I was writting down the information she did not. I was not able to get an understanding of what was due since she would not slow down. She then tried to state that I should hang up the phone so that she could close my file and have it sent to the credit bureau. Again on a recorded line I stated that I had no intention to hang up the phone and asked her what my options were. She was not very clear but said I could hang up or she could close my file. I said thank you, and she said goodbye but she did not hang up the phone. I did not hang up either because I thought she may still be trying to " make me '' hang up the phone. I remained silent on the line until she hung up. 

I immediately contacted XXXX XXXX XXXX to ask for a copy of the bill that is now in collections, and why I am being billed multiple times for the same period.
Product: Debt collection

In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX  XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.
Product: Credit card

On Wednesday, XX/XX/XXXX, I paid my entire Citi credit card balance of {$7400.00} and planned not to use the card again. On Saturday, XX/XX/XXXX, at XXXX XXXX I received a text alert asking if I attempted to use my Citi card at a XXXX store for {$810.00}. I was working then, so I did not see or reply to the text until the following day, Sunday, XX/XX/XXXX, at XXXX XXXX, stating I did not attempt to make the purchase. Shortly after my response, I received another text asking me to contact the Citi Fraud Department at XXXX. I contacted them and checked my mobile app to review my Citi statement. My statement showed five purchases on Saturday, XX/XX/XXXX, totaling {$4100.00}. Three charges at a XXXX store in XXXX XXXX, NY. One purchase at XXXX XXXXXXXX XXXX in XXXX XXXX, NY, and one purchase at XXXX XXXXXXXX XXXX, in XXXX, NY. The purchases were as follows : XXXX XXXX XX/XX/, {$810.00}, {$1500.00}, and {$1800.00}. XXXX XXXX XXXX XXXX XXXX$5.00} and XXXX XXXX XX/XX/ {$4.00}. 

I talked with the fraud department and disputed the charges. Several weeks later, I received a letter saying the dispute was not honored and I would have to make the payments. I contacted the police to file an official report. I also contacted Citi Cards again to dispute the charges and provide the police report number. Citi opened another investigation and said they would contact me in 1-2 weeks. I contacted the Citi fraud department several times to follow up on the investigation status but was not given any updates. On Friday, XX/XX/XXXX, I reached back out and was told for the second time that they were not removing the purchases, and I was expected to pay for the fraudulent purchases. I requested they open another investigation and asked what additional information I could provide to prove this was fraudulent activity. They told me to write a letter and an investigator would contact me in 1-2 weeks, which they continue to say to me, but I never received a call from anyone. Citi Cards expects me to pay the balance each month while they investigate for the third time.
Product: Debt collection

I was contacted by Mrs. XXXX from offices of XXXX XXXX XXXX stating they work with JTM CAPITAL MANAGEMENT LLC based out of XXXX XXXX- I also looked up that company and they have lawsuits against them for trying to collect off of zombie debt- stating they were part of a prelegal division stating a " Representative '' placed my file in her office. Regarding a pending civil complaint for XXXX County. If I didn't call her back it would be marked as a direct refusal. Mrs. XXXX explained this is for a debt from a company called XXXX. I told her this debt is not on my credit report and I have not received a letter from this company. She went on to say they want to file a lawsuit, sue me and will put a lien against my vehicle ( even naming the company of where I have my auto loan ) over {$1800.00}?!? How can they do this? This debt is not on my credit report? As far as I'm concerned- Stale debt is not collectible. Can you please help? " Collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages. But threatening to take such actions before they have sued you and won a judgment may be illegal. Even threatening to sue you to collect a debt may be illegal if the collector has no intention of doing so. ''
Product: Credit card

We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement.
Product: Debt collection

NAME : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXr po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ I DO NOT OWN THIS DEBIT IT WAS DO IN FRAUD ]. These items are inaccurate and do not reflect my actual credit history. The main reason is always had the XXXX phone service for last 10 years In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

Where is my refund check in the amount of {$1400.00} ; see my initial complaint CFPB # XXXX. I do not owe XXXX XXXX or XXXX Credit Card ( i.e., " Citi '' ) any money! 

I made one purchase XX/XX/2021 for a XXXX washer and dryer ; however, installation is incomplete, there are missing parts, there is no warranty. 

I disputed the bill with XXXX XXXX and XXXX Credit Card, immediately, due to no installation XX/XX/2021, missing parts, no warranty. The dispute was ignored by Ms. XXXX. I followed up to dispute the bill, again, XX/XX/2021 to initiate the process. XXXX Credit Card finally sent a letter to me dated XX/XX/2021 to grant the credit for the entire amount of the purchase {$1500.00} and reverse all charges and/or late fees as XXXX Credit Card continued to bill me during the 'billing dispute ' and negatively report on my credit to all three credit agencies! But, not one invoice reflects the 'credit ' and reversals of charges and fees! Neither have I received my refund check! Where is my refund check for {$1400.00}?
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, 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 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