23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They call my ex husband and left a voicemail. They called me and left the same voicemail. Have proof of both. 
I returned there call asked was there intent of? He claimed they had been trying to get ahead of me since 2020 ( I believe ) he read off some personal information and asked me if that was correct. Told me I owed his client for a Ashley credit card. Proceeded to tell him I never had an Ashley credit card. He said so you never went into Ashley signed up for an Ashley credit card showed your drivers license in the store and youre going to tell me on a recorded line. This is not your debtband I said no Ive never had an Ashley credit card and I said you can do that online. Ive tried to dispute this I said it is not my debt. I do not owe Ashley anything Ashley is by synchrony bank. I do not have anything on my credit Pertaining to an Ashley credit card by synchrony bank.. I told him if he was going to sue me then he needed to serve me. He proceeded to tell me it was not because he was going to sue me. It was because I havent got a hold of his client since 2020 I believe. I will post a copy of the voicemail. They left to me and my ex-husband where it clearly states they said they were gon na come to my door and I needed to show I didnt identification because I had to sign for something.. I feel like I was threatened..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 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 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.
Product: Debt collection

There is a credit collection company that is telling me that they have a " legal matter to discuss with me '' That there is potential that this person is trying to sue me or " serve me papers ''. I've received mysterious phone calls. I don't know what company is doing this.

Also, I have received an email to my personal email address : XXXX I do not owe this amount and I don't know where they got this from? Can you please stop this abuse? Im VERY confused about all of this. Here is acopy of the email I received : National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX If you wish to stop receiving emails from us, click here : Opt-Out To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX XXXX XXXX XXXXXX/XX/XXXX National Credit Adjusters , LLC ( NCA ) is a debt collector . We are trying to collect a debt that you owe to National Credit Adjusters , LLC. We will use any information you give us to help collect the debt.

Our information shows : You had account number XXXX with XXXX XXXX XXXX 

As of XX/XX/XXXX, you owed : {$330.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$330.00} The law limits how long you can be sued on a debt. Because of the age of your debt, National Credit Adjusters , LLC will not sue you for it. If you do not pay the debt, National Credit Adjusters , LLC may report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

How can you dispute the debt?

Call or write to us by XX/XX/XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct.

If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX.

What else can you do?

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX 
Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filled XXXX total complaints against a company claiming they are a law firm when XXXX of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XX/XX/XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past XXXX months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in XXXX months. According to XXXX email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within XXXX hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the XXXX XXXX XXXX were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
Product: Credit card

I had a CARECREDIT credit card with a {$5000.00} limit. I have never been late - have never missed a payment. Every time I my credit score starts going up synchrony cancels a card. Now this card is used for anything medical - dentist - glasses and pets. How embarrassing to be told your card is cancelled. 
This is not the first time with synchrony. I have XXXX cards with them and only XXXX have a balance. 
Its like they have a XXXX  on cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to Experian, XXXX and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Product: Checking or savings account

I received an email today that says " After careful evaluation, we are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I have been with USAA for around 30 years, most of which was as a XXXX XXXX XXXX, I am a XXXX XXXX which qualified me for their services. 

I had several savings accounts, and a checking account with just over {$10000.00} in them, and 1 credit card with a {$0.00} balance as we use others. My credit score is high and we carry no debt other than our house. 

So I could not imagine why they sent this, the letter references just the credit card but when I called, and was on hold several times for an hour I was escalated to their Executive Resolution dept or something similar and was told they would not disclose any reason for the closure and also ALL of my accounts would close on XX/XX/2021 This makes no sense. I worked overseas for the last 7 years and just returned on XX/XX/2021 from XXXX. I spent 1 year working at XXXX XXXX with the military and then took a job with the XXXX government as an XXXX XXXX XXXX. They pay well so of course I transferred money back home on a regular basis plus a large deposit of my final pay when I left the job. 

If they were concerned about these transfers they could have asked as I have documentation of the job and pay. 

Otherwise I can not imagine why they would close the accounts.

It is unacceptable that they can do this type of thing to consumers. I am not inclined to remain with them at this point but I deserve a reason.
Product: Money transfer, virtual currency, or money service

We were victimized by a XXXX hacker and sent {$1900.00} through XXXX to an individual impersonating a friend. We reported the fraud to XXXX and PNC ( my bank ) within 24 hours and neither institution will help. These financial institutions create an environment where fraud is prevalent by refusing to assist even when reporting quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package, FTC Number is XXXX. 
I became a victim of Identity theft, I have obtained my credit report from one of websites that offering free credit report and after carefully researching I realized that some person or persons or maybe organization have tried to applied for credit cards or loans on my behalf. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person.

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these unauthorized hard inquires : XXXX XXXX  XXXX Auto Loans XX/XX/2021 XXXX XXXX XXXX  Auto Loans XX/XX/2021 XXXX XXXX  XXXX Auto Loans XX/XX/2021 XXXX XXXX  Auto Financing XX/XX/2021 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!
Product: Checking or savings account

I lived in the XXXX from XXXX to XXXX and while there I opened an account at XXXX XXXX. I kept some money on that account, in case I would return to the XXXX, however, after some time Citizens Bank acquired XXXX operations in the XXXX and I stopped being able to access my funds through any means, including internet banking. This was because I did not have an SSN on record, what was due to the fact that I am a foreign citizen. After contacting Citizens several times, they did not offer a means for me to access my account by online banking and did not allow me to move my funds through a wire transfer. The only option offered was to cash a check in XXXX, the country that I live in, which would in incur in heavy fees and taxes to be paid by me, without any compensation by the bank, which is refusing to allow me to access my own money. I asked for a formal description of what the bank is proposing, but the manager refused to provide it, as well as any transcript of our conversations.
Product: Credit card

In XX/XX/XXXX I attempted to activate my credit card online but the online process failed. 
That same day I called in to activate the credit card over phone. They told me that verification failed and that I would need to go to a physical branch to activate the card. I requested to close the account since I did not have time to do that. They said that was not possible without verification. 
On XX/XX/XXXX I went to a physical branch location of Bank of America and explained my situation. The representative at the branch told me that I would have to call in again to do the verification process. I sat at the branch and called in to the customer service line. A customer service agent picked up and went through the verification process and failed again. Then when I said I was at a physical branch and that they just needed to wait to get a branch representative over for further verification. While waiting the customer service representative over the phone suddenly told me that I would have to call back in again and hung up the phone. Impossible to complete the verification with processes like this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account XXXX : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : Transunion : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 





Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation. 
Case Numbers : XXXX and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Regional Finance has been using the telephone to harass me by calling anonymously and making repeated continuous calls to my phone and employer which is prohibited. REGIONAL FINANCE has been informed the debt is enrolled in a debt settlement program with XXXX XXXX XXXX and provided their number to call the company and they continue to call me.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

{$700.00} I have requested : -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card # : XXXX is lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several closed accounts on my XXXX, XXXX, and Transunion credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, XXXX, and Transunion are reporting unverified information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.
Product: Mortgage

On XX/XX/XXXX I requested that PHH Mortgage Service de-escrow my account due to financial hardship and my desire to pay my taxes later in the year when due on my own, coupled with the fact that they keep increasing my mortgage amount each year due to the amount they keep in escrow. On the XX/XX/XXXX I followed up with a call and was told that my request was denied because they have calculated my LTV to be 136 % because they use " the original '' value of the house versus the appraised value of the house. I was flabbergasted as I have never heard of that before. I owe approximately {$240000.00} and my home 's appraised value according to PHH 's website is {$490000.00} which would make my LTV is 50 %. I was told by XXXX XXXX XXXX XXXX XXXX that PHH used a value of {$170000.00}. I am not sure where they got that number. That is not the number I pay taxes on. I have not paid PMI for decades, so if my LTV was 136 %, I would be required to pay PMI. I feel oppressed and discriminated against. I need help. I will be contacting my Congress person and 7 on Your Side. This is ridiculous and oppressive and wrong. They CAN NOT fore me to pay escrow. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted SageStream PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize Sagestream, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
Product: Checking or savings account

I dealt with an identity fraud issue years ago in which Chase closed my bank account without any explanation. I've called in recently about the ban and offered to provide documentation/proof but Chase won't give me any reason besides stating that I'm 'permanently banned '.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX account # 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: Student loan

I am unsure of the school associated with the group of student loans serviced by Navient. What I am complaining about is the excessive times I am called during the day by Navient. Back in XXXX I informed Navient of the loss of my job and the denial of my unemployment compensation application. I have made payments and as of today I am approximately 25 days past due. This is no reason for computer driven calls to me at the rate of XXXX or more per day to take place. XXXX of these calls has taken place first thing this morning. I am a senior citizen and I consider this to be harassment. During XXXX of the calls yesterday I informed the representative that there was no change in my status since the day before, prior call, and that I asked to the frequency to be reduced or I will send a cease communications letter based on Paragraph XXXX of The Fair Debt Collections Act. I bring this matter to the attention of the CFPB as there may be other consumers that are experiencing this type of activity.
Product: Credit reporting or other personal consumer reports

I recently looked at my XXXX XXXX Report on XX/XX/year> after waiting for a recent dispute to be updated. And notice that it had been updated and show as a Charged Off and Collection with These Accounts a XXXX XXXX XXXX XXXX Credit Card Charge-Offs and Collections listed as XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX.