23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit report act XXXX  Acoount # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies
Product: Payday loan, title loan, or personal loan

OneMain Financial, ran under the direction of the XXXX XXXX and the District Managers of XXXX and XXXX  in Michigan force licensed agents to include all optional credit and non credit product premiums into the loan quotes when selling or offering OneMains loans to consumers.  They have set a sales goal and this goal directly reflects your personal ranking within this District and Region and is used to evaluate your performance on a month to month basis. Your job at OneMain is contingent upon meeting this laid out sales formula to increase premiums for the profit of OneMain and NOT to disclose or be transparent to any of the consumers.  The company also tried to steer away from any customer who is over 70 years old as they cannot sell insurance products to them due to age as it reflects the sales numbers for  optional products.
Product: Credit reporting or other personal consumer reports

I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.
Product: Credit reporting, credit repair services, or other personal consumer reports

O n  XX/XX/XXXX , I wrote to Equif ax to let them know that a lien going back to  2001 still re mains on my credit report. I also let them know that  XXXX  and  XXXX  had already removed this lien which was showing beyond the maximum period of 7 years.   Equifax never responded to my dispute and the lien continues to show on my credit re port four mont hs later.
Product: Debt collection

XXXX XXXX called my employer, XXXX XXXX XXXX. Stated he was collecting debt on an XXXX bill that was from XX/XX/XXXX for {$310.00}. States that only the full amount of {$310.00} can be paid and no partial payment will be taken, even though I said I could pay {$30.00} today. He said this was not able to be done and the full amount had to be done. Per Bill, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' I advised, yes, I am aware but I have been going through a divorce for the last 12 months so money has been tight. He said I should have used my income taxes that I got back to pay the bills. While it's none of his business, my income taxes were used for bills such as mortgage and feeding my children. Again, offered to pay {$30.00} today and he stated it had to be taken care of by the end of XXXX or he would contact my employer and it would be deducted from my payroll. Flustered at this time, I advised I do not know when I will have an extra {$300.00} and I could call back and make another payment where it was again declined. I gave him my debit card number, as well as advised this is most likely going to make me behind on my mortgage payment that puts a roof over my children 's head. I stated I get paid XX/XX/XXXX where he then stated OKAY so XX/XX/XXXX it will be deducted where I again stated, I do not get paid until the XXXX of the month. It is on a Saturday so it will need to be deducted the following Monday as I will NOT have the funds on the XXXX.
Product: Debt collection

I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts which are unfairly reporting on EXPERIAN, XXXX AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Product: Debt collection

XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX/XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( XXXX ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/XXXX XX/XX/XXXX - Received a response from XXXX XXXX/XXXX claiming the information provided by the previous creditor ( XXXX/XXXX   ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX stated : XXXX XXXX/XXXX balance is correct and XXXX investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
Product: Debt collection

I have requested an original signed contract and they have yet to send me a copy. I don't owe this debt.
Product: Credit reporting or other personal consumer reports

I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

EQUIFAX, I have 2 accounts on your equifax website that are completely frivolous. I have asked you to remove them more than once but you continue to refuse to do so. You rubber stamp it every time as if its been verified, but you really dont do anything. So, if you dont delete these 2 accounts I will be pursuing this in the federal court system. 
XXXX XXXX XXXX XXXX {$9600.00} There's duplicates of this account ( XXXX ) XXXX {$0.00} XX/XX/year> These are both fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report.
Product: Consumer Loan

Upon purchasing my vehicle and the meeting with the Finance Manager, he kept trying to talk me into buying the extra insurance protection & GAP coverage. After going back and forth on it several times because I did n't want it, I decided to purchase it so he would stop talking and we could get the paperwork done so I and my children could go home. I later changed my mind during the paperwork process and declined the insurance protection. So, he had to re-do the paperwork without the added " protection. '' Somehow my interest rate went up 1 % on the new paperwork when I decided that I no longer wanted the insurance protection & GAP coverage. When I accepted the added insurance my rate was 3.95 % but when I declined it my rate went up to 4.95 %. I feel like I was discriminated against because I did n't want to purchase the added " protections. '' I believe that this practice is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent {$1000.00} to Xe.com for their service to wire this {$1000.00} to my bank account in XXXX XXXX. 
On XX/XX/2022, my foreign bank account showed I had not received this amount of wire. So, I reached out to Xe 's customer service. They told me they would reach out to their branch in that country and check the transaction details. 
On XX/XX/2022, I called Xe 's customer service again, and they told me they were still waiting for a response from their branch in that country. 
On XX/XX/2022, they have not wired to my foreign bank account. So, I called Xe 's customer service. This time they said they would not do anything until they heard from their foreign branch, and they will not refund my money. During the phone call, I requested to connect to a supervisor, and they intentionally kept me waiting for about XXXX mins. So, I hang off without speaking to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
Product: Debt collection

The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.
Product: Credit reporting or other personal consumer reports

Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  bankruptcy XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 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
Product: Credit reporting or other personal consumer reports

Dear XXXX, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX
Product: Checking or savings account

on XX/XX/ I bring myself to Bank of. America on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX that is the Branch Where I opened mi account but is not the first time I go to this bank and the same person is Treat me bad I feel he discriminate me for some reason or maybe is like most of the Business that. People get ln the pl. Places to ask the employees to denied the Services to myself.or maybe they want to hide some information because I asked for Information about a email that I received Regarding a Some Account with XXXX XXXX XXXX XXXX he tole me that is not from bank of America and I told him that I received from bank of. America and he told me but we don't have any one from that company XXXX I Said So Where is one Location that I can get. Information and he told me on XXXX they have XXXX Speaker but at tha time was a guy from XXXX! was walking with a Lady and I look to. him and he told me he only speak English and I told him I do speak English and he told me you need appointment I ask for one lie give to me for today but I not feel comfortable don't think I go because he even told me that was no one to attended me but one of. the Associate come to ASK if we need help and he said No but he was thinking I don't understand English Even he device to another person he told him to come back in one hour Yes to denied me the Service
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I respectfully request their immediate removal from my credit report.
Product: Credit card or prepaid card

Wells Fargo is reporting a bad credit card account to my credit that I was only an authorized user on and not financially responsible for by definition.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

List of Fraudulent Inquiries : -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 XXXXXXXX
Product: Mortgage

XXXX : I have been in attempts to have Mr. Cooper mortgage comprehend that the foreclosed debt public file needs to be completely removed from my name/identifying information. 

XXXX XXXX XXXX Is XXXX. I was XXXX XXXX XXXX ; Not XXXX ( an adolescent ). 
The public foreclosure SHOULD NOT be attached to me, XXXX XXXX XXXX as Foreclosure /Foreclosed/Dismissed/Closed at all. I Never Owned The Home Or The Land In 1992 or anytime Current ; neither have I ever been a homeowner in my life at all. 

XXXX XXXX XXXX Should NOT have ever been listed/typed on my XXXX XXXX XXXX XXXX XXXX mortgage loan for any dismissal of debt/foreclosure to be in his name ( XXXX XXXX XXXX ) at all in which he is a very unknown person. 

Please REMOVE THE PUBLIC RECORD FROM ALL COURT NETWORKS STATE/WORLDWIDE IT'S CAUSING ME TOO MUCH PERSONAL AND FINANCIAL DAMAGE IN ALL AREAS OF MY LIFE TO ALMOST BEYOND POVERTY, DISPAIR and SEVERE DURESS.
Product: Credit card or prepaid card

Received and unauthorized Chase credot card on my name with my ss. Number and address
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
1Convergent Outsourcing ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.