23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been harassing me for months by placing numerous robocalls to my phone number, consisting of approximately 10 calls in a row in the morning at XXXX, leaving 10 voicemails asking me to call back, then places an additional set of calls in the afternoon, and an additional set of calls at night. When I have spoke with them, they use misleading info to intimidate and scare me into providing credit card information over the phone, without any documentation of terms or evidence that I owe on a debt. They call my relatives and friends and give them my personal information, alleged debt status and amounts, and intimidate them as well. I have asked the individual to stop calling and send everything to me in mail, but have never received a debt verification from this company, and the numerous calls still persist. I rely on my phone for my work, and this company is crippling my ability to work. 

I have attached a screenshot, but could provide many more examples if needed. The numbers that repeatedly harass me are the following : XXXX, XXXX, XXXX
Product: Debt collection

To Whom It May Concern : VALIDATION Request I was XXXX  in 2019 I never got your letter not sure where you send it This letter is being sent to you importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : [ account_numbers ] Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Consumer Loan

My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen from me to open accounts in my name fraudulently. The accounts that are opened in my name are XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX   that are inappropriately reporting to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM MAKING A RECORD ... .experian attorney and cfpb prosecutor will understand this legal jargon. 
10 minutes prior, XXXX of experian special services, XXXX texas at XXXX refused to reinvestigate XXXX XXXX acct   XXXX as closed.a dispute just finished where the creditor who speaks hindi told experian the account was open ... creditone does not have the authority to reopen a closed account without my approval and therfor the account is closed.i want XXXX   company experian to write a check for {$1000.00} statutory damages and mail it to me because XXXX believes his XXXX XXXX based customer XXXX  XXXX and not me and i am damaged by XXXX bias towards his customer. 
my credit is impacted by XXXX refusal to reinvestigate and without documentation from XXXX customer XXXX XXXXXXXX wont investigate.XXXX customer removed all account information from the internet upon closure which is why i want XXXX dollars from the creditor as well and will sue both at the same time. 
CFPB IS WELCOME TO FINE AND PROSECUTE EXPERIAN IN THEIR JURISDICTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.
Product: Mortgage

mortgage payment, not enough payment going to principal, to much to interest. i am not in a interest only mortgage. i ask to make adjustment to the years starting in 2007. most of the payment should be going to principal, not interest. im tying to pay the house off not end up in a iterest trap. please make the adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

account has been paid off and closed. company sent the last bill did not received.
Product: Credit reporting

On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.
Product: Payday loan, title loan, or personal loan

Today XX/XX/2021 I was denied credit under false pretenses. Affirm emailed me saying I was denied because they could not verify my identity, I called experian which is shown on email as the source. I called experian and they stated all of my information matched what was submitted from affirm. 
I sent a email requesting more info and questions on how can I verify my identity with them, I received a response to call or email them. I called affirm and the supervisor stated they receive information about me from various sources and did not disclose those sources when I asked for the information. I was able to verify with representative all information was correct but This company has found a way to discriminate against me by using the not being to verify me as a cover up.
Product: Credit card or prepaid card

This XXXX was fraudulently placed on my credit, i was added without my knowledge or permission to that account. I also called the company " XXXX XXXX '' and they didn't have my information listed on the account as well. I also gave " XXXX '' my information and this account was not there.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan as I have done in the past. I was not given the chance to apply/submit any paperwork for the loan. I received a reply after my inquiry. I did not meet the underwriting criteria. I have not received the notice of action as of today. 

In XX/XX/year>, I applied using my current XXXX and explained I could give the address where I was staying at with a family member while my house is being built. They refused and did not pursue any explanation. During this ( XX/XX/year> ) application process I wrote the unfavorable review. I was denied. I did not receive Notice of Action. All of my mail is on the USPS informed delivery. And no delivery to my spam or the main email. I am still with the federal government after over 10 years. Since I wrote an unfavorable review because of my experience and did not remove it. I did not qualify. My profile and other information are available on the site. Usually, any changes made occur during the application process. When I click the APPLY button I receive a message : Unfortunately ... after carefully reviewing your information ... .. underwriting criteria at this time. You do not meet the eligibility criteria for Kashable Program. My denial was based on the review and not the underwriting criteria.
Product: Credit reporting or other personal consumer reports

Company closed my credit Card, And then reopened the credit card to close it again.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why they're there. I regularly check my report, but this time, there were unexpected discrepancies. I even refreshed my browser hoping it was just a glitch, but the wrong accounts remained. Im asking that the documents I sent be carefully reviewed so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Received notification of collection. There was no information validating this debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

XXXX and equifax Late payments 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 card or prepaid card

ON XX/XX/2020 - I received a credit card ( Master Card ) from Bank of America Merill Lynch which I never applied for. This was a real credit card, approved, ready for activation, with a {$30000.00} credit line. It was not a credit offer with a fake card. It was in the correct name and sent to the correct address, but NO ONE in my family requested this card in any form. This undoubtedly impacts my credit rating in terms of amount of issued credit and whatever unauthorized credit checks were performed. This to me is an example of fraudulent requests and/or consumer-unfriendly business practices. 

On XX/XX/2020 I attempted to contact Bank of America Merrill Lynch and was transferred to another line in which I was forced to wait on hold for over an hour with no response, after I indicated possible fraud related to my own identity and the incorrect issuance of a card. I have also attempted other contacts. 

Prior to this time - I recorded with the appropriate agencies that I did not want any preapproved credit offers at my current address. I have NO previous relationship with Bank of America at this address or any other.
Product: Checking or savings account

I was a victim of online fraud. I tried to get my funds charged back to my account, but the bank M & T claims that no error has occurred in the first dispute. I provided lots of information, and the investigation only took about a day and a half. I provided hundreds of documents and I was told the investigation was thorough. I tried to appeal my case with more information and documentation, but my case was never reopened and remained closed. I'm even willing to get some of my funds back if not all. some of the denied transactions were.. 
XX/XX/year> - {$1000.00} XX/XX/year> - {$500.00} XXXX {$2000.00} XXXX {$500.00} XXXX {$1100.00} XXXX {$2300.00} XXXX XXXX Claim Number XXXX XXXX Account XXXX ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and XXXX XXXX. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CHRYSLER CAPITAL is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX XXXX CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON XXXX AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX. 
TERMS- INACCURATE ... REPORTING 86 MONTHS CHRYSLER CAPITAL was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CHRYSLER CAPITAL complied with this requirement.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified XXXX inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, 2024 I must emphasize that neither XXXX nor XXXX, prominent credit bureaus, have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciate
Product: Debt collection

I have already disputed the medical collection with XXXX, XXXX, XXXX, and also the collection agency about this inadequacy. XXXX has removed the collection unlike transition and XXXX who has not appropriately investigated the matter. I have enclosed the dispute letter that had been sent to each. Also, I have now written an appeal letter to the VA about the medical debt, and have included it with this complaint. Dates : XXXX, 2016 Amount : {$1500.00} I have disputed with bureau of Economics, the VA and all XXXX credit bureaus. XXXX responded appropriately and had removed the collection.
Product: Credit reporting

On XXXX XXXX, 2015 I contacted via phone Experian regarding a current address in XXXX, XXXX they are reporting as mine on my credit report. Experian would not let me dispute this via mail or online. I have never been to XXXX, let alone lived there. The customer service person told me that despite the fact that the address when googled is that of a law firm, they can not delete this false information. The Experian rep told me I would " have to contact XXXX XXXX to request removal of this address because they are the ones reporting this information. '' This is not my job to contact XXXX XXXX with such requests. It is Experian 's job to verify this information. I have lived at the same address in XXXX, XXXX for over 10 years and vehemently deny that I have ever lived in XXXX, XXXX.
Product: Mortgage

I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/2015 I closed on a loan and Loancare was the servicer. They have taken from me for property taxes XXXX per year when they were only XXXX they also falsely reported my mortgage late and destroyed my credit report. I have written and request my money be returned. They pretend that they sent me a escrow check never have. Nor have they tried to fix the escrow overage they took by returning to me. Now I have received a hardest hit grant and they are trying to take a extra XXXX dollars pretending its a escrow shortage when they already owe me the XXXX overage they took from me making my payments much higher. I am asking that they not touch my hardest hit fund only for payment and return my escrow money that was taken for taxes that were inflated yet the money was not return to me. Please help with the matter. I have wrote in the past.
Product: Money transfer, virtual currency, or money service

( Block , inc ) due to inadequate customer service and unfair practice, which violates the consumer service and unfair practice which highlights the consumer financial protection act specifically Cash App failed to take timely in effective measure to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not apply error resolution requirements under the electronic fund transfer act and regulation XXXX these actions have caused significant inconvenience in financial laws and I seek appropriate Redress for these violations
Product: Checking or savings account

My XX/XX/XXXX bank statement shows transactions through XX/XX/XXXX. Transactions on the following statement for XX/XX/XXXX begin on XX/XX/XXXX. There is a 10-day gap in reported transactions at year end, which is indicative of one or several transactions taking place at this time XXXX XXXX to XX/XX/XXXX XXXX with a net zero effect on account balance that the bank was able to affect but did not report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 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 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 tha

n 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: Checking or savings account

Our accounts were frozen for fraudulent checks being returned. My wife was unfortunately a victim of a scam. The returned checks were covered by overdraft protection we had in place and the negative balance has been placed on our credit card ( with cash advance interest charged ). We immediately transferred in more than enough funds from another bank to rectify the situation- this transfer cleared on Friday XX/XX/XXXX XXXX XXXX Despite the overdraft being covered and having enough funds in our account to pay off our credit card, USAA has kept our accounts frozen and left us with no ability to pay our debts or pull out our funds. USAA will not provided a specific date on when our accounts will no longer be frozen. Everytime we call the estimated time of the freeze being lifted gets pushed back. It went from 2 days, to 7 to 10 days, to them now saying it could take up to 45 days. Despite repeated inquiries and USAA confirming that they completed the fraud investigation on Thursday XX/XX/XXXX, our accounts are still frozen.