23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings. 
In XX/XX/XXXX I saw an offer they made on the XXXX channel of an XXXX cell phone and cable. I called and they sent me the product. When I received the cell phone it was locked and could not be used. I immediately called the XXXX company and they told me to go to XXXX and return everything. About 2 months later in XXXX they began to send me invoices. I sent him the receipts that I had returned the equipment. XXXX sent my names to some collectors who have been calling me and harassing that they are going to hurt me on credit and that they are going to report to me. XXXX tells me that I don't owe them money but the collectors keep calling me every day.
Product: Debt collection

I have requested for copies of the agreements with my signature proving that the debts are mine through XXXX, XXXX and XXXX. The only thing that I have received are the statements showing what was charged on the credit cards and loans. I filed it under FCRA 15 USC 1681
Product: Student loan

I am being harassed, threatened, and abused by student loan collection agency. 
I have a right to cancel the loan, victim of identity theft, they failed to accurately inform me of my borrower rights, acting in an aggressive collection tactics, refused an affordable repayment plan, violating Fair Debt Practices Act, and refused to provide evidence of the original debt from XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been deleted on my acct and has not been removed on the XXXX and transunion acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports.

This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA 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 Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As private federal protect consumer I would like to point out your lack of responsibility when it comes to my consumer report. Unintentionally or intentionally doesn't matter. We are going to go from top to bottom with the Nemours of errors on my consumer report. To clear up any mix up with other peoples identity. I will include a copy of my ID, SSN and Proof of Address. First in foremost my name is XXXX XXXX XXXX ... .... Not XXXX XXXX REMOVE immediately. This is Violation Number 1. My only and accurate and MAILABLE address is XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ... .... remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 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 XXXX, CA XXXX XXXX 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 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated- Violation Number 2. My SSN is attached as well as you can see my SSN ends in XXXX. XXXX 's listed are not mines XXXX as shown in the documents this may be a result of identity theft or compromised info being merged with someone else 's again you failed to insure the complete accuracy of my consumer report- Violation Number 3. Violation number 4 you failed to reinvestigate this account when it opened. this account is not mines XXXX XXXX Account number XXXX only phone service I ever been with is XXXX this maybe an result of identity theft! I will look more into this matter to gather more information on this account from them. I am unable to locate the mailing of late payments from you or the creditor of XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment is due. Please explain Who you spoke with date and time and any documents proving requirements were meant. XXXX XXXX XXXXXXXX XXXX XXXX the account number it self is undefinable and inconsistent with metro 2 compliance not only that California State Statue on debt time limitation is 4 years. its funny how there's no data for almost 5 years and then want to start to report this is defamation of character and false representation at its finest to report on a debt it lawfully cant collect which some may call XXXX XXXX  This account needs to be removed immediately. Account XXXX XXXX XXXXXXXX is not in compliance with metro 2 format.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have recently refinanced my mortgage with loanDepot. After the mortgage was closed, I had issue to set up online payment. I have tried to call them for 15~20 times. Every time there was a long time and eventually I had to disconnect after 30~40min wait. In the very few times when I was able to talk to someone, I was told it will be fixed next day or in a few days which was never true. Almost 3 months after the loan close, I still can not set up my online payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Checking or savings account

Used XXXX offered in Wells Fargo Online banking by debating my checking account.

No protection to consumer.
Product: Credit card or prepaid card

I made a purchase from XXXX for {$1800.00} on Friday XX/XX/XXXX Selected to pay with my XXXX card Once selected there were 3 types of payment available to select 1 ) 5 % rebate 2 )  Special Financing ( interest free for period 6, 12 & 24 months ) if paid within period 3 ) 24 Equal monthly payments ( See Document # 1 ) The transaction was accepted and instead of being charged 1/24th on the total transaction ( XXXX ) my XXXX card was charged the entire amount of {$1800.00} putting my card {$1000.00} in the red ( See document # 2 ) On Saturday XX/XX/XXXX I called XXXX to find out what is going on and was transferred to XXXX XXXX and I was repeatedly transferred back an fourth between XXXX and XXXX XXXX. No one including managers from both XXXX & XXXX XXXX were not able to tell me the difference between option 2 & 3. This is clearly a case of deceptive business practices and deceptive financial advertising. Buyers be aware that when making a large purchase on XXXX and when you choose to use your XXXX XXXX card to pay and choose the 24 EQUAL MONTHLY PAYMENTS OPTION be prepared for your XXXX card to be charged the FULL AMOUNT of the transaction instead of the first payment of 24 payment like the option states.. XXXX XXXX is clearly attempting to deceive the consumer and try to hide it with equating both options 2 & 3 as the same!! Lastly I would like to note that all the reps I spoke to, including managers, at XXXX XXXX did not want to hear or listen to anything I or the XXXX supervisor had to say trying to get to the bottom of this issue with 3 way phone conversations we had on Saturday XX/XX/XXXX. All XXXX reps including supervisors were clueless and kept referring me back to XXXX XXXX putting me on and endless nightmare merry-go-round of finger pointing without any resolution. I spent 4-5 hours on XX/XX/XXXX & XX/XX/XXXX trying to resolve this issue with no results!!
Product: Mortgage

Back in XX/XX/XXXX Hurricane Irma we were hit by the storm and declared in a state of emergency which was to be protected by FEMA. I reached out the JP Morgan to ask if I could delay a month payment in XX/XX/XXXX to fix the front overhang ( ceiling ) which blew down on my property. The gentleman on the phone stated yes but " you would be treated differently ''. So at that time I decided to do what I can to which was to safely secure the property. In sight of his comment I thought it would be in my best interest to continue make payments. Soon after, I received a letter in the mail telling me to take eight additional month to fix the property. ( which I didn't request ) so I disregarded the letter and continued to make my payments. Unfortunately, my company laid me off in XX/XX/XXXX but I pull the funds from my 401k plan to make payments up until XX/XX/XXXX. XXXX I went to make the payment and the cashier canceled the check and to me she couldn't accept the payment and stated I must call Chase 800 number. Thereafter, Chase summon me with foreclosure papers. I couldn't understand what was happening because I was making the payments, protected by FEMA and wasn't in breach of my Home Affordable Modification Agreement. Chase would not dismiss the case because they had already sold my loan without my knowledge to XXXX XXXX. XXXX XXXX reported on my credit report without my knowledge. In XXXX I pulled my credit report and saw them listed. Chase still couldn't dismiss case because they didn't own the loan and I didn't know at the time what happen. Now I'm in a facing foreclosure with mounting fees, investor stress who is waiting to buy my property after this fraudulent act. 
My options are to accept a modification today before finding a job or go to court on XX/XX/XXXX to be evicted and be homeless. I'm gainfully employed at the moment but frantically looking in the midst of the pandemic or go to trial XX/XX/XXXX and be put out within a month or request for an extension for 3/4 months to move. I live in my home for 24 years and I have no where to go and want to save my only investment. Please help me. Trial is set for XX/XX/XXXX, I giving you the XXXX County CASE # XXXX. Please note : my account number is no longer it was change when acct was sold but now transferred back to Chase due to my case. 

My desperate plea for intervention. 

Thank you
Product: Credit reporting or other personal consumer reports

I am not responsible for the debts below, as IQ Data International, failed to provide written contracts for the original creditors existence, agreements, contracts information with balances of {$970.00} Flex Deposit and {$1800.00} XXXX XXXX XXXX IQ Data previously Deleted from XXXX, XX/XX/2023 and transferred debt to XXXX, on XX/XX/20XXXX XXXX XXXX XXXX  for {$1800.00} then also reinserted Flex deposit {$970.00} to my credit profile from IQ Data International Agency has been removed reinserted multiple times, without prior authorization, and written notice to reinvestigate, per 15 U.S code : 1681i d
Product: Credit card or prepaid card

The phone rings, business phone, caller ID will say A Hospital, or MD St Gov or XXXX XXXX. I will answer the phone and it is a computer call from Bank of America wanting me to hold for the next available person. 
This is extremely misleading. 
I do not have a Bank of America Credit card, they soliciting.
Product: Checking or savings account

There was a transaction made on my account for {$400.00} that was taken out and I told them it was a fraudulent money taken out of my account my email address was changed not by me by someone else and they still denied my claim this has been about 2 weeks ago thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights I only have XXXX account with XXXX  and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Product: Credit reporting or other personal consumer reports

I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a Sr. or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.
Product: Credit card or prepaid card

I have received late fees for not making on time payments since XX/XX/2019. However the due date was changed from the end of the month to the beginning of the month without my permission, and I was not made aware of this change. I have called about this issue, however never get a straight answer as to why it was changed. This is an illegal action under the CARD act if I am not mistaken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify  that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. 

In order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had " no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. 

Given this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and migraines every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.
Product: Debt collection

In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. attempted to collect a medical debt for a person with my same name and birth date ( this person does exist ). The alleged debt is for a XXXX XXXX  in California. I am a XXXX XXXX  in Georgia. I was over XXXX miles away on the date of service. He was shot. I have no gun wounds ( EVER ). I wrote letters ( certified ) and made phone calls. Reported Identity theft to local PD, IRS and SSA. I called and XXXX said it was resolved. 

In XX/XX/XXXX I received a letter from Phoenix Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois, again attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX XXXX. I called XXXX they said the debt had been canceled yet here I am again fighting them. I have sent multiple certified letters to Pheonix requesting they retain any and all communications/records regarding this matter as I intend to sue them for my time and expense. which at this point is approximately {$3100.00}. I have called them multiple times ( written notes ). I have 5 years of correspondence on file. 

They have failed to respond. I am retaining an attorney, and will proceed with filing complaints with my State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX Date Opened XXXX XX/XX/2006 Balance : XXXX XXXXLate/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very alarming and needs to be resolved!