23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I acknowledge that i owe a ccard payment that is past due ... however being called 10 times between XXXX and XXXX on a saturday is absolutely harassment. 
I have blocked both numbers that they use to call me ( upwards of 20 times per day, every day, for 2 weeks ) because they obviously dont understand the fact that i will pay them, as discussed, this coming friday the XXXX. 
I refuse to listen to voicemails, i refuse to even accept the calls because being threatened with wage garnishment over literally 1 missed payment is absolutely ridiculous.
Product: Mortgage

We have an alleged " mortgage servicer '' supposedly named Shellpoint that is attempting to collect a debt for a company that was order by the XXXX District of New York 's Bankruptcy court to dissolve and NOT service loans ever again under a pseudonym with their dba still being " XXXX ''. We have requested proof of bill of sale and transfer of accounts and proof of a document showing the Generally Accepted Accounting Principles because the letter that was submitted to us as response and to the Indiana State 's Attorney Generals office explicitly states that XXXX is no longer our servicer and NewRez will be going forward. We have yet to receive any proof of the debt as alleged in these confusing documents with multiple different variations of XXXX XXXX name still appearing as the loan servicer. We are very concerned that the company is still fraudulently attempting to collect a debt that they are not owed and not permitted to obtain. We have sent a Qualified Written Request to several different addresses they provided and only receive letters saying they are addressing our request and then another bill in the mail. Yet 0 proof of sale, GAAP or any valid response to our QWR Request for Inspection of Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding inquiries made due to identity theft. I have informed the creditor that these inquiries were not made by me and provided evidence of my identity, but they keep closing the dispute the same day, claiming it was me. It seems like they are not thoroughly investigating my dispute, as it takes only a few hours for them to close it and inform me that it will stay on my credit for two years. Despite my repeated attempts to explain that my information was stolen, they are not taking it into consideration. 

THESE RESULTS ARE NOT ACCURATE AS THESE ARE MY MY INQUriry as i didn't approve or give neither company permission to run my credit!
Product: Money transfer, virtual currency, or money service

XXXX I had XXXX taken from my Coinbase account into a XXXX XXXX account ending in XXXX XXXX is all I know. 
In my XXXX account from Coinbase asking me to confirm my information which was the start of the theft of XXXX from my Coinbase account. It was not legitimate and I didn't know. I contacted Coinbase and they couldn't do anything. Contact XXXX XXXX which i have an account with them but it had nothing to do with my account. The stolen money was put into the account ending in # XXXX. I see it in my Coinbase account as that. I was told also by Coinbase and XXXX to report to the FBI which I did twice. I emailed XXXX XXXX XXXX office as well because nobody is getting back to me or helping me. FBI victim acct. # XXXX is all I have. I have emails from XXXX and the scammers keep sending me these. I have not reported to XXXX because I don't believe they can or want to do anything about it. This is a lot of money to me and nobody is helping me. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, Bankruptcy Discharged XXXX  XXXX Ref. # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I checked my credit report today ( XX/XX/XXXX ) and identified an error on my credit report for Account # : XXXX. During COVID I called and set up a plan with XXXX due to hardship during the Pandemic and we had an agreement in place for payment. Unfortunately, I have submitted multiple disputes, contacted the servicer and called TRANSUNION but my report still has not been updated. Please assist me with updating my report and removing those late payments.

According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. 

Additionally, SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX 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. I would like to have this hard inquiry removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX XXXX in XX/XX/2017 and bought a dress for my daughter for {$140.00}. I did not receive a bill from them OR the credit card by XX/XX/XXXX. In XX/XX/XXXX I began receiving DAILY calls from XXXX XXXX ( sometimes 3 a day ) about the money I owed them. I kept telling them I had yet to receive a bill, and I could not use the online payment feature they kept pushing because I DID NOT have a card. It was very frustrating.While on vacation in Florida that XX/XX/XXXX we were able to pay a portion of what we owed over the phone, but it was complicated by the fact I had not received the credit card. This is reflected in my credit report as past due, but if you look in XXXX the amount has been reduced by what we PAID in XXXX. In XXXX I paid off the bill COMPLETELY and received this email confirmation : " Your phone payment in the amount of {$77.00} was processed on XX/XX/2017. Your confirmation number is XXXX ''. The reason it had to be a phone confirmation is because I STILL had not received a card. I requested to close my account at that time. In XXXX I got a bill for {$2.00} from XXXX XXXX. I AGAIN called in and spent over 2 HOURS on the phone going back and forth with people over this bill. I explained that if I paid everything off in XXXX, how could I have a {$2.00} bill with a {$27.00} fee attached to it. This went on and on until I cited the email from XXXX with it's confirmation number and the amount I paid. I was then told my account was clear of all past debt. At that point I asked for my account to be closed. 
When I got my credit report I was ASTOUNDED to see anything negative from XXXX XXXX. I specifically asked about my credit report and reminded them that the miscommunication was on THEIR end since I never received a card or initial bill. I was told everything was cleared up. And now this. I am very very upset and would like this addressed ASAP.
Product: Mortgage

We closed on our home XXXX XXXX. The loan originated with XXXX XXXX XXXX  XXXX Original Loan Amt was {$440000.00}. The first payment due with XXXX XXXX was on XXXX XXXX, XXXX. I was told, by XXXX XXXX, if my loan is sold before XXXX XXXX that I would not owe a payment. The Loan was told to Penny Mac late XXXX XXXX. I was told by XXXX XXXX XXXX  no payment was due to them on XXXX XXXX, XXXX. I received an statement from Pennymac for payment due on XXXX XXXX XXXX. The payment was made to Pennymac. I just received a letter from XXXX XXXX XXXX  saying I owe them an XXXX XXXX, XXXX  payment. I have called Pennymac several times for them to explain why the mortgage loan shows, on their end, the full amt of {$440000.00} and not minus the amount XXXX XXXX says I owe them. I have asked to speak to management and still nothing. XXXX XXXX XXXX  says Pennymac purchased the Loan for {$440000.00} which should have included the XXXX XXXX payment.
Product: Credit card or prepaid card

Shopped on XXXX ; was offered {$20.00} credit if I applied for card ( XXXX me, I did it ). After that, XXXX ( or Synchrony? ) apparently gave me {$20.00} but then took - WITHOUT PERMISSION, WITHOUT MY KNOWLEDGE, AND WITHOUT ANY TYPE OF AUTHORIZATION WHATSOEVER - charged that card over {$100.00} for a " XXXX '' membership ( which I SPECIFICALLY DECLINED ). After that, I cancelled my order, but I have still received the Synchrony card in the mail. It was ALREADY ACTIVATED ( apparently they have to do that to THIEVE MONEY ILLEGALLY ). 

I tried to call Synchrony to establish the balance ( for XXXX I did not want ). 

Automated phone system says if I am calling about XXXX call another number. I did. ALL IT WAS WAS ADD AFTER ADD congratulating me for this and for that ; trying to get me to spend more money ( on a free cruise, etc. - that type thing ). 

I CAN NOT REACH THEM BY PHONE. I DO NOT KNOW THE STATUS NOW OF THE CARD I DO NOT WANT / WAS THIEVED INTO GETTING.
Product: Checking or savings account

My brother and sister are the executors of my mothers estate. My sister XXXX XXXX said shes trying to get copies of my mothers statements and Wells Fargo and XXXX XXXX  XXXX said they cant get them Please provide copies of all accounts for 18 months prior to her death. She passed XX/XX/XXXX. 
XXXX XXXX XXXX SS XXXX XXXX XX/XX/XXXX Estate attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX I appreciate the help. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 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 check 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: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by Portfolio Recovery is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and Portfolio Recovery is attempting to collect a invalid debt.
Product: Mortgage

I was on a disaster forbearance through the end of XX/XX/2018, for the Thomas Fires in XX/XX/2018. The servicer had a scheduled sale date of XX/XX/18, I called & reminded them I was under disaster forbearance protection & they moved the sale date to XX/XX/18. On XX/XX/18 the president declared my area a disaster area once again, for the Woosley Fires. I immediately contacted Seterus &  advised them that I needed to apply for another disaster forbearance for the current fire disaster. I was told that the request was submitted & that the sale date would be postponed. I was following up w seterus on XX/XX/18, when I found out that the sale date was not pushed & there was no record of my disaster forbearance request. I was told that I would need to submit a Mortgage Assistance Application to be reviewed for the disaster forbearance. I was previously told that under in a disaster situation, the request could be submitted over the phone in order to expedite-however, now I needed to submit the application. I did so on the same day. I am worried that there will not be enough time to postpone the sale & review for disaster forbearance.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Net Credit used discriminatory practices against me by denying me extension of my own credit. Net Credit was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of NetCredit monetized by securitizing the the application. 
Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

NetCredit did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated XXXX XXXX. 

Employees of NetCredit refused to admit that the application did in fact generate profit which is extortion. XXXX says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. XXXX fees are payments. The financial institution and the consumer reporting agencies are conspiring against any XXXX and/or XXXX ( the creation of the Creator ) to extort that XXXX or XXXX out of an extension of credit. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  Risk XXXX XXXX XXXX to furnish information on the Original Creditor. When XXXX XXXX pay to report information that constitutes a breach of fiduciary duty. This means that XXXX is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Product: Credit reporting or other personal consumer reports

The charge offs and collections and hard inquiries on my credit report needs to be removed immediately because it VIOLATES MY CONSUMER RIGHTS this information is inaccurate and incorrect All collection accounts are fraudulent and needs to be removed from my credit report immediately the information is inaccurate and incorrect and violates my consumer rights