23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 ambulance service responded to a call from XXXX, I had a case of low blood sugar but I did call them because it happens often in a checkout line. .Ambulance service wanted to medically kidnap me. i declined there service and had to talk to someone and sign off so they would not be liable. Days later I gat a bill in the mail XXXX I LET THEM KNOW I DID NOT CALL THEM AND DECLINED SERVICE. THEY SAID THEY HAVE TO CHARGE ME FOR THE SERVICES THAT I DECLINED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with XXXX XXXX I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID
Product: Credit reporting or other personal consumer reports

I was absolutely stunned this morning to discover inaccurate accounts on my credit report, with no clue as to why they're there. I routinely check my credit report, and everything had been fine until now. I thought it might be a technical glitch and refreshed my browser, but the wrong accounts didnt disappear. Im asking for a thorough review of the documents Ive sent so I dont have to deal with this stress any longer.
Product: Debt collection

IN RESPONSE TO CFPB : XXXX Reference Numbers : XXXX ; XXXX To whom it may concern : As per my XXXX, XXXX, and XXXX credit report, RESURGENT AKA LVNV FUNDING obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with RESURGENT AKA LVNV FUNDING. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via fax to XXXX. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

At XXXX XXXX on XX/XX/2020 a private number called me stating they were from a processing agency and we're trying to serve me Court documentation and that I needed to call an ( XXXX ) number in order to schedule an appointment to be served by an officer. No identification was given as to who they were, what it was about, just that I would be given the details when I called that number. 
I called the number XXXX at XXXX on XX/XX/XXXX, XXXXand I was told that they represented the company called Loan Me. I had taken out a loan with Loan Me, nearly 4 years ago ( it will be four years in XXXX XXXX. The man on the phone did not give his name, did not give the name of the company he was from, merely stating they represented the company loan me. He said this matter concerns the loan that I taken out with Loan Me and I could resolve the issue over the phone today. There was no mention of making appointments for court documentation to be served to my residence. When I informed him that I had no financial means to resolve anything over the phone, he stated that Loan Me was suing me for theft. He asked me if I wanted to go to jail for theft. I responded there's nothing I can do, I guess they'll just have to do what they're going to do, because I have no money. He then reiterated that I resolve the issue over the phone, today, because I will be put in jail for theft. When I stated again, with an irritated voice, that I have no way of resolving this issue he hung up on me.
Product: Mortgage

I contacted XXXX, Mortgage Banker, NMLS ID : XXXX about a mortgage. He did not respond to my call for more than XXXX hours. I called another Chase mortgage broker, XXXX XXXX, Chase, Mortgage Banker and he replied within an hour. The issue was, I needed to close within XXXX days. XXXX emailed me back, that he could not take an application from me because it would take at least XXXX days to close. I emailed him back and explained I could n't use Chase because of this closing time, and told him I appreciated his time that I was going to go with XXXX. A day later XXXX XXXX called me and I told him SORRY XXXX! He did not return my call in time and therefore using someone else for mortgage. Thanks anyway. He was a bit unprofessional on the phone trying to tell me that he had other business and did n't come into the office until Thursdays. I let him know again, I did not need his services and that 's that! He took it upon himself to run my credit, and write me a letter of denial from chase bank. He never should have moved forward with anything after I told him NO 'THANKS. It brought my credit score down during this time which really makes me mad and he denied me when I have over $ XXXX in Chase bank with a XXXX credit score. He is RETALIATED against me by taking this action and that is why I am issuing this complaint. He needs to be reprimanded and I am calling Chase Bank Consumer Direct to make another complaint with the Bank.
Product: Credit reporting or other personal consumer reports

I recently looked over a copy of my credit report and noticed fraudulent activity on my report
Product: Credit card

I've been a Capital One Credit Card customer for the past five years. After getting the card I seldom used it. I have never received a detailed summary of past charges even though I've requested the information. I've requested access to my account online Capital One, they're customer service is unable to correct the problem. In the past I've always called my payments into Cap. One. The process was made easier because they stored my payment method on file. Now I have to repeat the 16-digit debit card number on every call. To make it more difficult they will no longer accept debit cards for payment, going forward they now want routing and checking account numbers to make a payment each time payment is due. The fact that I can not even see what I'm being billed for is unacceptable.
Product: Mortgage

Mr Cooper withdrew my mortgage payment 3 times which is NOT even due without my authorization. I am now left with a negative account and no money to even buy groceries for my family. I have called every single day and get the same response and apology and they keep saying that the issue will be resolved. Ive called my XXXX XXXX and they say they cant do anything to stop the transactions and that Mr Cooper has to reverse the payments. Im in complete panic because I have zero money and dont know when Ill get my money back. My bank has assured me that nobody has been in contact with them regarding the unauthorized transactions. Mr. Cooper is lying to us every time we call saying they are handling the issue. I need my money back immediately!!
Product: Credit reporting or other personal consumer reports

To whom it may concern : I had sent a letter but it seems you guys used a stale tack ticks I'm filling a complaint here instead and attaching the same letter i had sent to you for investigation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) an
d the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 

NAME : XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your system must remove any address that does not match the one listed on this letter. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. I wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

Mohela will not count my last payment on my federal loan forgiveness for Public service and release my debt. It affects my credit score, and they have made it impossible to complain. I have proven that I qualify.
Product: Credit card

i found out last year this account on my credit report i never applied for it this account was deemed as fraud last year by XXXX and all credit bureaus and they deleted it and blocked it it showed up again i have a letter from XXXX bank confirm they closed the account as fraudulent
Product: Credit card or prepaid card

On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.
Product: Student loan

In XX/XX/2016 XXXX XXXX from XXXX XXXX XXXX XXXX contacted me via phone stating that she could help me with my student loans. ( consolidate them and review my account each year to see if my income has changed drastically and if not then I would not have to make any payments throughout the year. This would be done every year for 10 years and then my loans would be forgiven ). She stated that the total cost was {$750.00} ( {$250.00} for 3 months ) which has been paid in full. I have since come to realize after being contacted by Navient several times regarding my loans being unpaid that they had nothing to do with that agency and I still would need to make payments. They are investigating this matter as well but advised me to report this issue to Consumer Protection which has instructed me to file a claim with FTC Agency. Basically I just gave  {$750.00} away.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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: Money transfer, virtual currency, or money service

I was selling some equipment online. A person contacted me and said they would pay with XXXX, and when they attempted to do the transaction it wouldnt work. So they needed me to approve which I did. So they convinced me to accept a XXXX dollar amount and then said they changed their mind, and wanted it back. So I sent it back and then said it didnt go through. So I sent it two more times, I then realized I was being scammed and contacted Truist security immediately. They said they would look into it and call me back. They did respond shortly after and said there was nothing they could do. It was my loss, so I never use XXXX again
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( XXXX : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am contacting XXXXXXXX XXXX XXXX XXXX TD Auto  : Please remove the hard inquiry by XXXX XXXX XXXX and TD Auto from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on 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 checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and XXXX credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all 3 of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

About 4 years ago I went to get a personal loan to help my mother out I was declined for the loan a couple weeks later they called me back and approved me for a loan. I lost my job that same week after that unfortunately so I could not pay the debt it has since now been sent to collections and charged off and is impacting my credit score I have went to the place of business to try and resolve this situation and was informed it had been sent to collections a long time ago and there is nothing they can do now. I would like to get the derogatory mark removed from my credit score and get this situation taken care of and or fixed but do not know how. I would like to have it removed or settle something or make arrangements to fix this situation on my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Ocwen has not responded as to how they are going to rectify the fact that their mistake or lie, upon which we relied and made financial decisions, will cost us a considerable amount of money, more than {$85000.00}. Did they lie to keep us in the house at a time they were being investigated and did not want a foreclosure or deed-in-lieu? Their attorney suggested this. We stayed in the house with a non-recourse loan, spent {$50000.00} on it and it needs another {$60000.00} spent on it and did not move to a new home without {$90000.00} in negative equity because they told us we had {$85000.00} in forgiveness or equity. Then 2 years later, when asked for paper work they told us we did n't. This not just about money, but also heart break. By my calculations, today this deception would cost us over {$200000.00}. Where is our restitution? Is their a group or agency I can go to, to pursue this matter?
Product: Credit card

XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra, is in continual violation of my consumer rights. The last reply I received from them stated that " As XXXX XXXX has indicated that he is represented by counsel in connection with the account placed with Ad Astra, the validation requested was provided to his attorney as required by law. Until such time that XXXX XXXX indicates that he is no longer represented, Ad Astra can only communicate with the consumers attorney which is why the validation sought by XXXX XXXX was delivered to his attorneys XXXX, Texas address ''. In fact, I have never communicated this to Ad Astra. On XX/XX/2022 Ad Astra wrote " In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions by mail to negotiate repayment ''. There has been no contact from me towards AdAstra outside of the CFPB. So, how did I tell them I had counsel? They must explain this and provide evidence. 
I understand that these are delay tactics and cheap collection agency tricks. Afterall, AdAstra has a well-documented history of such. I WILL STATE NOW THAT I DO NOT HAVE COUNSEL AND HAVE NEVER COMMUNICATED SUCH TO ADASTRA. Furthermore, as I have always maintained AdAstra has not properly validated this debt as they have been willfully reporting erroneous information including my name. There is someone who shares the same name as me in XXXX and I believe that is why they sent the information to XXXX. Evidently, AdAstra has confused he and I. 

Therefore, I REQUEST AdAstra to immediately forward to my address the following : 1 ) Pay off disclosure 2 ) Interest Rate Disclosure 3 ) Balance History 4 ) Payment History 5 ) Credit Insurance 6 ) Signed contract with my signature 7 ) PROOF that I told them I had counsel, the counsel 's phone number, name and address.

8 ) Method of investigation used to validate this account I REQUEST THESE 8 PIECES OF INFORMATION ( in its entirety ) BE IMMEDIATELY AND WITHOUT DELAY SENT TO ME AT MY RESIDENCE.
Product: Debt collection

On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$190.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

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

Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX  ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.