23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Ive met this person on XXXX, his name was XXXX XXXX, a false name I guess, divorced, XXXX years old and had a boy called XXXX. He told me he worked as a doctor for the XXXX XXXX in XXXX. After gaining confidence, we started to chat via XXXX. hIis telephone number is XXXX XXXX XXXX as seen in XXXX. 
He explained that his vacation was comming up and that he needed money to finance his flight ticket to get home, money that he would hand to the XXXX flight Agent to arrange his flight. He mention this because of him being at a war zone his bank account was blocked. He was very charming, telling me how beautiful I was, lovely, caring... and as we carried on chatting I eventually fell for the scam as a fool. On the XXXX of XX/XX/2021 I sent a transfer from my account in XXXX from XXXX XXXX XXXX to an account at Wells Fargo National Asociation on XXXX XXXX, XXXX XXXX, CA XXXX. The details are as follows : Amount : XXXX USD I have taken action on the XXXX XXXX ; I have gone to my Spanish Bank and forwarded the material I gathered so that they could pass the information to their International Department.I have also visit the website of Wells Fargo Bank and reported the scam online with the details of the transactiion : account number, enrouting number, name and address of beneficiary. Next, I visited the website of the ReportFraud.ftc. gov ( Federal Trade Commission ) and wrote my report to the FTC. Now, Im placing a complaint at the ConsumerFinance.Gov in the hope to recovering my money. 

After the transfer wire he informed me that the XXXX XXXX had to return his vacation funds so that i had to get involved as a beneficiary in order to use my XXXX bank account to receive his funds there because of him being at a war zone and having his account blocked. He decided that I should contact his barrister to lead me troughout the process. I actually havent done that because I think he wants to steal every singel penny left in my bank account.
Product: Debt collection

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX for an emergency. I received my bill ( {$550.00} after insurance ) in the mail, and setup a payment plan after speaking with a member of the XXXX payment staff, but I was not notified when the my auto-pay was canceled for no apparent reason after months of payments. Almost two years later ( XX/XX/XXXX ) I received a phone call stating my debt was in collections and my credit would be effected through Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The remaining balance was {$210.00} which I paid immediate XX/XX/XXXX. 
I was not properly notified of any of the collections, and believed I was cheated and robbed.
Product: Debt collection

i have sent 3 notices to this company and never got a reply Notice of Conditions of Acceptance requesting documents 1. Prove who you are : I do not know you. 
2. Show evidence of a contractual agreement between you and me.

3. Provide evidence of how you entered into this supposed two party agreement as a third party. 
4. Provide evidence of this supposed debt, i.e who it is that is the original creditor? 
5. Provide evidence of the original amount owed. 
6. Provide evidence as to how much it is that you are attempting to collect are fees and how much you are attempting to collect is interest accrued. 
7. Prove Agency. Provide evidence that you have legal authority to attempt to collect this supposed debt, i.e. evidence of your contract with the supposed original creditor XXXX XXXX 
8. Prove and identify those individuals whom have first hand knowledge of this supposed account. 


i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules .
Product: Credit reporting or other personal consumer reports

Failure to XXXX XXXX which is required when debt is forgiven or cancelled per its regulations and reporting account as charged off, written off on all three-credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX  XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
Product: Mortgage

Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.
Product: Debt collection

THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE
Product: Debt collection

For 2 and a half years since 2015 I received calls with threats from this company which include damage my credit. They claim I owe {$530.00} to XXXX XXXX XXXX XXXX. Which I never have been to. I called this XXXX and they didnt have a record of me there. Now this XXXX XXXX XXXX have reported me to XXXX and it has impacted my credit negatively. I am tired of their abuse and I would like for them to take the negative mark from my credit report.
Product: Debt collection

I set up a payment schedule with Jefferson Capital to pay off my debt. I have my letter from them stating it is closed and paid in full, but they continue to report to the credit bureaus that i am deliquent in payments. They also have no records of the letter they have sent me and state i did not fulfill my agreement.
Product: Debt collection

LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!
Product: Debt collection

Initial Complaint : XXXX Submitted to the CFPB on XX/XX/year> Equifax only provided its general consumer information that's listed on its website, and frivolous information that was submitted by its furnished which does not validate any debt of me as a consumer ( uploaded ). FAILED TO CURE COMPLAINT # XXXX 15 U.S. Code 1681n - Civil liabilityforwillful noncompliance. U.S. Code. NOTE : I the consumer again request that Equifax remove any mention of this collection ASAP per the Fair Credit Reporting Act. The Listed collection account below continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks 1 collections- XXXX XXXX XXXX XXXX Addition to Initial Complaint XXXX XXXX The credit reporting agency and its reporting creditor are in violation of morphing or duplicating negative credit information on an account that does not belong to consumer. Moreover, credit reporting agency and reporting creditor has failed to furnish consumer requested document ( s ) signed and dated by the consumer in order to validate listed information onto consumer credit file not belonging to consumer. Additionally, it has failed to delete the inaccurate, incomplete and unverifiable information within 30 days of receiving initial notice of consumers dispute. Furthermore, the credit reporting agency has failed to notify consumer when it supplies negative credit information to a credit reporting agency. Consumers rights has been violated. inaccurate, incomplete, or unverifiable information must be removed within 30 days from the initial date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT EDXXXX XXXX {$27000.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX {$500.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation.

Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within 30 days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Product: Credit card or prepaid card

I signed up for a card during the checkout process because I thought it was a membership rewards card, not a credit card, and the clerk was being insistent after I had already declined it several times. It wasn't immediately clear that the " Kohl 's Card '' I was being offered was not just a store membership. I did not realize until after the transaction was complete that I has signed up for a credit card. Right after leaving the store I immediately called the customer service number listed on the card information packet I received with my receipt. I asked to cancel the card application, and was told that the application had already been processed and approved, so it was too late to cancel. 

I did not want or intend to sign up for a credit card. By having the whole application and approval process take place during the checkout process, there is no chance for customers to actually make an informed decision. 

On review of the receipt, it looks like the entire transaction was charged to the credit account that I didn't mean to open- I had my personal credit card inserted in the POS system at the time of checkout and thought I had been paying with that. Now I might owe a balance for a credit card account I didn't even intend to charge to. 

This occurred on XX/XX/2022 around XXXX at the Kohl 's in XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ) My call to customer service was at XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX, our home mortgage was sold to a service provider named SPS ( Select Portfolio Servicing ). On XX/XX/XXXX, we sent the company notification via phone, fax and upload to their website that we elected to pay property taxes directly to the municipality. We did not give consent for SPS to escrow in anticipation of the next quarterly tax payment that is due on XX/XX/XXXX. 

In response to our call, fax and uploaded document, we received verbal ( recorded ) acknowledgment by a representative named XXXX XXXX on XX/XX/XXXX at XXXX that SPS would NOT escrow our taxes. However, SPS sent out payment for taxes to our municipality at some point prior to our conversation with SPS representative named XXXX on XX/XX/XXXX at XXXX. The due date for taxes is XX/XX/XXXX. We spoke with XXXX and she confirmed that a payment in fact had been made without our consent ( recorded ). She suggested that we go to the municipality and ask them to reject the payment ( which put the responsibility on us to correct an error made by SPS ). She also told us that we could " just pay them ( SPS ) back '' ( recorded ) to correct the error. 

We are filing an official complaint and want restorative action taken to correct this matter.
Product: Credit card or prepaid card

I have been in a XXXX and at two different terminals. My Discover card would not process. The solution was to call Discover customer service at XXXX and for an hour I have been trying without success here. Now the number has been busy with no way to resolve this matter. I use my Discover card for everything and maintain a high credit rating with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

My Name is XXXX, I live at XXXX XXXX XXXX XXXX, LA XXXX PH # XXXX I have had some health problems that cause me to lose my job and and a result my house payments got far behind. I have been trying to get a load nodification. Rushmore Management is PURPOSELY giving me a hard time requesting documents I already sent and asking for bank account information I don't have and never had. I once did gig work with XXXXXXXX XXXX XXXX XXXX and XXXX.I never had a business account. my pay was loaded to their pay card. I sent statments to show that. I am now working full time 40 hours per week and can afford to make my house payments but Rushmore is PURPOSELY wasting time with asking for information that is nonexistent or what I already sent so they can forclose on my property. I am asking for help. I want to keep my home. I understand the payments must be made monthly and on time. I can now pay but my lender is operating in a un business like manner. my loan acct # XXXX. I also called today to check the status of my modification and spoke with loss draft department their ID # XXXX, to only learn my mortgage company is still playing games. The under writer who is assign to my account is very difficult to work with. Thank you.
Product: Debt collection

CommonWealth Finance added ( 1 ) collection to my credit reports without my knowledge! I checked & can't verify their registration in Florida! BOTH are FDCPA violations! CommonWealth Finance put  collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the FL Secretary of State that they are registered in Florida which is also against the FDCPA! I had requested that CommonWealth Finance verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. CommonWealth Finance also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law i contacted them and they told me they do not by law have to give me the information I requested which they stated when asked about who's name it's in its not even my bill but because that person is on my insurance they could put it on MY credit report which is illegal and that they are allowed to put it on my credit before contacting me