23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We have a court order to remit {$35.00} per week to a law office on behalf of XXXX XXXX XXXX for a line of credit we had with them that we admitedly defaulted on due to being laid off and having XXXX medical issues. We have set up the weekly payment with our bank so that a check is automatically mailed every week. Regularly this debt collector holds checks for months and then cashes them all at once which is no problem as this checking account is only for this purpose. On several occasions, the debt collector has become impatient and has submitted a bank execution against us fraudulently - which we have even been to court on and had the court tell them to refund the amount of execution. Now they have sent us a form that they wish us to tell them about all our assets in hopes that they can escalate the payment of the amount we owe. We already filled out that form last year and nothing has changed so we are choosing not to fill in the form because as soon as we did last time, they drained all of our bank accounts for over {$6000.00} and then randomly drained them over and over throughout the year. We electronically pay on time every week without fail and they keep bank executing us to drain all of our accounts which has now caused us to go into default on our mortgage because money we had saved to pay our monthly mortgage payment has been executed for this debt collector. Also, when they bank executed us the marshal who " served '' us was permitted to keep XXXX of the amount executed for services rendered so in actuality, they bank executed us but our debt owed only went down a very small percentage once fees and interest were taken from that execution after the marshal took their cut.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent inquiries from my credit report. I am a victim of a data breach, and these inquiries are the result of identity theft. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file. 
Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the CB, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.
Product: Mortgage

This is a formal complaint against AMS SERVICING LLC now known as Seneca Mortgage Servicing LLC- Loan # XXXX they serviced the mortgage from XXXX XXXX to XXXX XXXX A tax lien was paid by XXXX on XXXX XXXX XXXX I spoke to XXXX today and they said it was paid off and we can ascertain that information from XXXX County Creditor the delinquent tax section . Seneca was definitely aware of the Tax Lien. 
Furthermore, after receiving a breakdown from Seneca- it is clear that I do not understand who they were paying our money to in the disbursements. That is not a way to do a breakdown and analysis of other people 's money. I am not sure who is responsible at this point for the willful failure to pay our School Tax for period ending XXXX or the second half of XXXX or the General Tax for the second-half of XXXX Everyone that we have encountered so far should be in prison for all I care. XXXX will deal with them accordingly, trust and believe. I just learned that XXXX XXXX got permission from one of these crooks to pay of the lien but we are doing our own investigation. We will file a formal complaint against them also as XXXX XXXX was under investigation by New York State Department of Financial Services Financial Frauds & Consumer Protection Division in XXXX XXXX. Please be advised that this is complaint is in conjunction with ( CFPB CASE # XXXX against XXXX XXXX XXXX ) & ( CFPB CASE # XXXX against XXXX ) AND NOW THE THIRD COMPLAINT against Seneca.
Product: Debt collection

RTR Financial Services at XXXX keep on calling my number and playing the recorded message to give them a call back. I thought it was a fraud then blocked their caller id, however, they continued to leave a voice mail. When I try to call back, they never answer but ask me to leave a voice mail. This seems very shady business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I open my account XX/XX/2022 to have it locked on XX/XX/2022 they Told me cause of a transaction with was fairytale I made a XXXX dollar transfer to my XXXX XXXX on XX/XX/2022 and another on XX/XX/2022 only because I didn't have a card for Card at the time so on the XX/XX/2022 I called and ask should my card be arriving soon only to find out they jus sent it off to me that day witch was the XXXX I had to help my daughter purchase a car and I also had other finances to tend to. So I transferred XXXX to my XXXX XXXX account still would had left me a balance of XXXX but the transaction was voided and XXXX mins last I was locked outta my account for suspicious transactions I was told 3-5 business days the first and second week I offered to go to a branch myself with all my verification I was denied that and told give their fraudulent team time witch turn out to be a full month of being locked out long story short I finally got verified by their fraudulent team specialist only to get kicked back out 30 minutes later and told to go to a branch I work 6 days a week 12 hour shifts and I'm XXXX XXXX hours away from a branch I FOUGHT FOR THIS COUNTRY 22 YEARS XXXX TWICE ONLY TO GET KICKED IN MY BEHIND BY MY OWN SOIL NEVER HAD SUCH AS A J-WALKING TICKET IN MY LIFE AND THIS IS WHAT A GOOD XXXX GOES THROUGH BS I WANT MY ACCOUNT CLOSE I SENT IN TWO NOTORIZED LETTERS AND STILL BEING TREATED LIKE XXXX XXXX XXXX BANK IS WHO IM REFERRING TO I NEED HELP ASAP
Product: Debt collection

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXXXXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- XXXXl does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , I was approved for a secured credit card with CitiBank. The card the was supposed to arrive on  XXXX   XXXX . The card did n't arrive. I called CitiBank to ask what was going on with my card. They told me to wait 10 days to see if the card arrives in that time. I waited the ten days, and the card did n't arrive. On  XXXX   XXXX , I called them again to see what was going on. They told me to wait until the end of the day, as the card  may  arrive during that time. The card did n't arrive. I called the next day and was told that they could n't send it to me because of security reasons. Getting frustrated, I called again that same day, and I was told to wait another 10 days for a replacement.   XXXX  I am tired  of CitiBank 's ina bility to get me my card on time, and that is why I file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXXXXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXXXXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX is past 7 years on both accounts. XXXX XXXX XXXX XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?
Product: Debt collection

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Sadly due to the downturn in the ecomony and loss of job we fell behind on our XXXX card. XXXX wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
Product: Debt collection

XXXX XXXX XXXX XXXX send a bill to debt collector " National Business Factors , Inc '' to intended to collect a bill with incorrect billing coding due to the billing company 's fault. I already attempted to communicate with the billing company several times to request them update the billing in accordance to my medical insurance company 's requirement, but they refuse to correct the error even if it does not change the amount they can receive. 

I should have owned XXXX since my insurance will cover the full amount if they submit the bill in accordance to the insurance company 's claim billing code requirement.
Product: Credit reporting or other personal consumer reports

After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX
Product: Debt collection

In 1998 I was in the XXXX XXXX, so was my XXXX  at the time. We are now divorced. I just had given birth to my XXXX baby, and my ex asked me to go with him to the dealership in XXXX NC, ( not sure of the business name ) as he purchased a XXXX XXXX XXXX in his name only, so I thought. I found out years later my name had been signed not sure if it was the owner, or cosigned. If I had done so, I most likely had no idea what I was signing, and I was never provided paperwork. My ex-husband did all the bills, and we are divorced because he had issues with fraud. The van was later repossessed which, I had no idea of that either. Payments were not being made, and he swore they had been. Since then, I have reported this to the agency, they have this story on file. I have given the information of my ex to them, and they continue to call me XXXX days a week, XXXX times a day and I spoke with a man a couple days ago and told him the same story. I don't understand why they want over XXXX for this, and what is the statute of limitations? I feel harassed, upset and frustrated. I don't want to keep reliving my abusive past.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS CLOSED MY DISPUTE AND NEVER INVESTIGATED MY DISPUTE TRANSUNION INVESTIGATION RESULTS FOR XXXX XXXX XXXX OPEN DATE XX/XX/XXXX IS NOT THE ACCOUNT THAT I DISPUTED THE ACCOUNT THAT IS BEING DISPUTED IS CHASE AUTO ACCOUNT ( ... XXXX ) WITH THE OPEN DATE OF XXXX XXXX AND WAS CLOSED XXXX XXXX THIS IS WHAT MY DISPUTE ON XX/XX/XXXX I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/XXXX NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE I DO NOT UNDERSTAND WHY WAS MY DISPUTE NOT INVESTGATTION AND CLOSED BY TRANSUNION
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card

Citi bank is reporting fraudulent information to the credit bureau in the name of my business XXXX XXXX XXXX. I have an account with them never received the card as I was a victim of identity theft. I sent a police report by fax to them XX/XX/XXXX between XXXX. I never received a response by mail, phone or email. I called to find out that they deemed the account as not fraudulent. However they filed to do a physical as well as digital investigation. They didnt check or receive camera footage from the home depot locations that were visited fraudulently. Nor did they receive any signatures ink or electronic for professional handwriting analysis. They are solely going off stolen information/ ip addresses that can be duplicated by devices sold on XXXX XXXX My credit has suffered tremendously and its hindered my small business from being successful as it should. Which is causing me stress. I requested the evidence by mail phone or email of how theyve come to this conclusion. This has been an ongoing matter for months
Product: Checking or savings account

On XX/XX/XXXX, I discovered that my chime account has been locked without any explanation. The notification told me to email " XXXX '' to proceed. 

After emailing " XXXX '' twice, I called the support line, who told me to email " XXXX '' instead. 

I emailed XXXX on XX/XX/XXXX, and XXXX more times after that at different days. Each time I emailed, I also called the support line, who told me to be patient. 

After filing a complaint to the XXXX  on XX/XX/XXXX ( more than XXXX weeks after I sent an email to XXXX without a response ) They finally responded with next steps on XX/XX/XXXX, a full XXXX weeks after my initial email. 

They continued to ask for me to provide more and more documentation, which I did provide. 

After sending in everything, they notified me that my account has been closed, and I am not elgible for a refund.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block
Product: Credit reporting or other personal consumer reports

Dear Equifax In accordance to the Fair Credit Reporting XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 

Sincerely XXXX XXXX XXXX