23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At XXXX on XX/XX/2024 i was called and hung up on when I asnwered the call. I returned to the call XXXX at XXXX XXXX for 6 minutes. I first spoke with XXXX XXXX and she refused to answer required questions to verify this was a collection company that is able to collect in my state of Nevada. She did the address, name of collection company First Credit Services, phone number XXXX but that was all. I did advise her refusing to provide this information I requested can result in up to a {$1000.00} for her and the company. She then hung up refusing to give any information. 

I was then transfered after i called the XXXX number fiven by XXXX. I was tranfered a total of 5 times XXXX ( refused to give last name ; XXXX XXXX ; XXXX XXXX ) Non of the collections agents would give any of the requested information. I was told becasue I would not verify my personal information they cannt give the information I was asking for, not even the professional license. I requested the professional license ID number with three collctors XXXX, XXXX stated they dont what this is, where that is I should call the XXXX to get it. 
That is when I spoke with XXXX XXXX and she said she was just going to transfer me I was then transfered back to XXXX. I asked XXXX for the the professional license ID number becasue it is not connected to any debter account and then she said she was going to transfer me to manager.The last transfer being with a manager by the name of XXXX XXXX. 
XXXX refused to furnish the professional license, ID number, name or the creditior, address of the creditor, account number assocated with the debt. He state this company emailed or mailed me debt information. I did advied no company has ever been given any consent to email me ever. XXXX removed the email. Did advised XXXX with me refusing the rquested information he could be fined up to {$1000.00} per infraction. XXXX stated he is aware of the the fair credit reporting act ans the CFPB and wasnt refusing to provide any information. I then requested the professional license ID number becasue it is not connected to any debter account not would it violate any consumer provicy. XXXX refused that request also.
Product: Money transfer, virtual currency, or money service

Prior to the pandemic my family and I were scheduled to set sail XX/XX/XXXX with XXXX. I made payments to the agent Via XXXX on XX/XX/XXXX & XX/XX/XXXX totaling {$550.00}. We had been dealing with a travel agent through XXXX by the name of XXXX XXXX and afternoon the pandemic hit XXXX  canceled travel and issued refunds back to the paid parties. I have not received this service or my refund after months of communication with the agent ( which Im sure is fraud ) and communication with XXXX and my bank. XXXX has no way of contacting them regarding this situation and I have tried to work things out with the agent but she has lied tome after time. Due to the pandemic I have not received my services and she has blocked me and refused to refund my money. I have been blocked by her business on XXXX and Ive had family reach out in my behave and she has responded with insults and no resolution. I am now out of a trio for my family and the funds
Product: Checking or savings account

I have a checking account with the amount {$35000.00} at XXXX XXXX XXXX XXXXXXXX and was opened through Juno Finance, and now I can not transfer the money out as XXXXXXXX XXXX XXXX XXXXXXXX halted the ACH process!!! That's my house downpayment, I need to use it!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This letter is in response to all letters, emails, phone calls, or any other mediums of communication where I've received notices from your organization. By the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from your organization regarding the debt you are attempting to collect. In response to this " Cease Communication '' letter, and by the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. By 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, violates the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also violate federal law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with a return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$2600.00}
Product: Credit card or prepaid card

I wanted to start that I have been mostly satisfied with the XXXX XXXX XXXX XXXX XXXX 's responses and resolutions in previous issues. However, the law requires me to file this dispute through the credit bureaus to preserve all my rights. 
I have a credit card with XXXX XXXX XXXX XXXX XXXX ( XXXX ). There were approx. {$750.00} in unauthorized transactions including unauthorized payments from an unknown account. Which also placed this account over the credit limit. As a result my minimum monthly payment increased from approx. {$70.00} to over {$1300.00} ( see  attached ). 

I reported the unauthorized transactions and XXXX timely provided a temporary adjustment. However due to a glitch the minimum monthly payment never adjusted on the online account summary page, but once I clicked the link to make a payment the accurate monthly payment amount displayed as $ XXXX/ {$70.00}. However, when I did attempt to make the monthly payments I would receive an error message. XXXX conceded on the error message being due to the current account status and provided a work around. 

As a result, this account is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?
Product: Credit reporting or other personal consumer reports

Bank of America reporting fraud account under my name to 3 bureaus and my score always drops for XXXX points, please help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XXXX opened XX/XX/2018. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Student loan

Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of my rights and hippa Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXCapital One Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card '' account under an open end 353 consumer credit plan as late for and purpose.

XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, a false tax return for the year XXXX was filed in my name and social security number but the first name belonged to my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a requirement to obtain stimulus..she is on SSXXXXI so she was not eligible She also, I believe, opened a chime account in my name with her address XXXX XXXX XXXX XXXX XXXX Virginia to deposit my stimulus payments into this account the checks were sent out on XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX ( {$600.00} ) and XXXX of XXXX ( {$1400.00} ). I need to file a complaint because I am having trouble getting the records for this account. I have also filed a complaint and a case with the Federal trade commission and the IRS criminal investigation unit. I also plan to file a complaint with the XXXX XXXX XXXX and try to take legal action against chime and the IRS my sister 's real name is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Virginia XXXX all IRS correspondence from XX/XX/XXXX till XX/XX/XXXX had her first name on it but my social security number which is the reason for the identity theft situation. I can not get the checks from the IRS since it is a criminal investigation but I want to file this complaint because Banks need to be held accountable and need to do more research when they are cashing amounts of money in that size the total amounts of money is {$4.00}, XXXX approximately that I am aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/CAR CARE XXXX XXXX credit card is why my credit report took a hit due to my wife misplacing the bill and forgot to call in a payment for {$34.00} dollars than my credit report took a big hit and I really don't appreciate being treated like that due to me being a XXXX XXXX XXXX being gone during that time. We received no calls or late statements during this time, so when I called them XXXXXX/XX/2019 they told me my account wasn't showing late or delinquent. That's pretty sad when your a Veteran and treated that way due to one payment of {$34.00} dollars XXXX your credit up as much has we use it for, once this card is paid in full I will be cutting it up and closing it and going somewhere else. This is totally absurd to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SPS Inc has not provided a full accounting of mortgage loan Mortgage loan # XXXX Property address XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX Legal description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, SPS, Inc. nor XXXX XXXX XXXX XXXX Owner Trustee of XXXX XXXX XXXX provided, XXXX XXXX XXXX with a copy of validation of the debt - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions I request an amortization schedule from original mortgage agreement XX/XX/XXXX and each modification. Sps has failed to provide a full accounting of loan since XXXX. I request to see how every payment made on this loan was applied to loan. This information must be made available to XXXX XXXX XXXX in compliance with federal fair credit reporting act.
Product: Debt collection

I received a call from an unknown number. The person calling kept asking me who I was but would only provide her name without telling me where she was calling from or what the call was about. I subsequently ended the call. 

I then called a different number to pay for a debt and just so happened to get connected to the SAME person. I asked her why she didnt just tell me who she was when I answered and she said you wouldnt identify yourself. As I tried to explain to her that there are scammers she continued to rudely talk over me. I asked to speak to a manager and she claimed that she was the managerat that point I once again tried to explain to her that I understood it was her job to call to try to collect payment but I would have appreciated if she would have just simply stated who she wasat which point she started to yell at me and told me that I was being shady screening my calls and I told her that was very rude to call me that and she started telling me I needed to fix my attitude because she has control over whether this gets reported to my credit or not WHICH IS CLEARLY a threat to me regarding damaging my credit simply because Im trying to explain to her that I dont want to be scammed? She was VERY rude and VERY condescending and jokes on her, Im a lawyer and I have all the time and energy. I already told her clearly that I had no problem with them trying to collect the debt because it was rightfully owed HOWEVER, how dare you tell me that I am not allowed to screen my calls and call me shady because I dont know who a person is calling asking me who I am? Absolutely unacceptable, unprofessional, and disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! Experian shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from Discover Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX  doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY XXXX SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX -Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX -DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX
Product: Debt collection

I have been sent to the federal trade commission after many attempts to fix my credit I also have a small claims petition with the state of Missouri in for the issue that has occurred, my ssn and id has been compromised oveXXXX XXXX years but I never had a credit card ever with any company I only report my rent with rent reporters, and the school is undergoing with responding letters, however Experian, XXXX, and XXXX has removed these accounts that has reflected and wrongfully placed in collections while the ftc is undergoing a investigation, please remove all information from my collection side as the companies are in violation of my fcra and I will seek max penalties of law if not updated, also the report is data mining many addresses and phone number and jobs not on the report with these companies I have reached out as well about this matter.
Product: Checking or savings account

Bank of America would close out XXXX checking account, but is not providing me the reason behind the closure other than terms and condition. They would tell me to read the terms and condition rather than tell me that the account is closed. They do not care about people with XXXX. They care about XXXX against people with XXXX. That is all they care about. They do not tell me the real reason behind that. Bank of America would do things behind close door and do everything in their power to hide why the account is closed. They have not provided me with notice. When I asked the supervisor XXXX or XXXX as to why the account is closed. They would withhold information instead. That is what they care about. Bank of America does not care about their customer even though it is business decision. They tell me to figure it out on my own with the terms and conditions that I agree and understand. They refuse to provide more information. They decide to hide the information from me. That is what they do.