23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Thursday, XX/XX/2019, I ( " Petitioner '' ) : ( i ) received an in-bound phone call from XXXX at approximately XXXX XXXX from Mercantile Adjustment Bureau ( " Agency '' ). Upon replying in the affirmative I was the party sought by the Agency 's agent, the call went silent. 

( ii ) after a period of a few second, Petitioner asked if Agency 's agent was on mute to which no response was provided. 

( iii ) which a period of no more than XXXX, Petitioner disconnected as no response was provided by Agency 's agent.

( iv ) Petitioner placed outbound call to Agency and was greeted by what apparently sounded like the previous Agency 's agent. Petitioner explained after verifying sought person 's name, the Agency 's agent sat silent. Petitioner was placed on hold. The supposed previous Agency 's agent answered. Petitioner believed this was in face the same person that answered the inbound call placed by Petitioner and asked the nature of the call. Petitioner identified himself by name noting the date of birth. Upon being asked if the Agency was a third party debt collector, Agency 's agent did not provide a response and proceeded to obtain Petitioner 's social security ( last four digits ). Petitioner challenged noting the verification was established by way of Agency 's agent lack of response on the outbound call, Petitioner 's inbound return and verification of name and date of birth. Petitioner then asked again if the Agency was a third party debt collector and if such the Agency should send the required thirty day notice via mail for review further noting Petitioner was currently at work and could not devote further time to the matter. Agency 's agent failed to address the thirty day notice letter required by law and proceeded to seek Petitioner 's verification of an account with two named corporate entities ( XXXX XXXX  and XXXX XXXX ). When Petitioner noted a lack of knowledge reasserting Agency should send the regulatory required 30 day notice, Agency 's agent noted he would contact another individual. Petitioner ended the call.

( v ) Agency is in violation of FDCPA for failure to provide written notification advising Petitioner of legal right to dispute, among others.

( vi ) Agency is in violation of FDCPA for harassment as it placed an outbound call to Petitioner and placed the call on silent following Petitioner 's initial verification of identity.

( vii ) Agency is in violation of FDCPA for harassment and threat of further action noting it was place an outbound call to another individual.
Product: Checking or savings account

There was a Wells Fargo Checking Account opened in my name that I did not authorize. The date is Wednesday XX/XX/2021. Wells Fargo placed a hold on the account and alerted their fraud protection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contra
vene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) again : similar violations. I request that this take action to ensure Equifax complete federal law and provide consumers with necessary proof of investigation. Accounts Conserve XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on XXXX, Experian and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXX/dept of ed # 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 an 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 moreover than 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

I opened a new savings account online so Chase sent out a pin and an ATM card in the mail. I had my mail stolen so someone got access to the pin and card and was able to activate the card when to a chase branch ATM and disposed a phony check in my name to my savings account and was able to withdrawal {$220.00} from my checking account.I have disputed the claim, their reasoning on denying it was the fact that live within 3 miles of the bank, I have used that branch before and that there was a pin used to withdrawal money. I have documents showing that i wasn't in the state at the time of the transaction and I never received the card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.

After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources. 

After having the 50 % inspection, I received a check in the amount of {$980.00}. 
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.

Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan  modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.
Product: Debt collection

XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.
Product: Debt collection

Hello, I am disputing this frivolous account. This account is being attached to me and has ruined my life! I have sent several requests ( 5 ) to be exact requesting this collection company and all three credit bureaus to validate and theyve failed to provide me proper, and accurate validation of this preposterous account. The most recent letter I sent was dated XX/XX/XXXX. I received a response from Southwest Credit on XX/XX/XXXX, the company responds with an alleged and fabricated statement with the company listed name XXXX, however the all edge client name is time warner cable. The bills each have different amounts ranging from {$640.00}, {$540.00}, {$340.00} HOWEVER the company demands my current balance with them is {$320.00} YET they are reporting to ALL three credit agencies the said amount owed is {$130.00}. This company has lied to the credit bureaus whom has FAILED to properly verify this underestimate the FCRA. I am demanding this bogus account be removed immediately and erased because it is no way associated to me. I have attached my proof! I demand this company remove and the bureaus remove it as well..
Product: Debt collection

I did not apply or sign any loan with this company. I would like for this to be remove from my credit report if they have no info about this account. 

XXXX XXXX TrueAccord account number 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: Debt collection

Received numerous calls from some company by the name of D2 Management regarding an alleged debt of over $ XXXX. I asked their representative do I have a contract with them and who gave them permissible purpose to contact me as I am listed on the national do not call registry. This person stated that they are calling on behalf of a client that I owe money to, yet she still would not tell me who this company was. They called from a bogus number ( XXXX ) XXXX which is definitely a red flag. If they are a legit company, why not be up front and honest about their whereabouts and their actual real number? The representatives got really belligerent because I asked them questions about the validity of an alleged debt, stating how they can see my credit report and how I don't pay my bills etc. I don't understand how this company can call and harass me although I am on the national do not call list. I asked very pertinent questions about this alleged debt that they just could not answer which caused them to get upset with me and ultimately hang up in my face. I would like this issue to be taken very seriously as they do not have the right to call me at my place of employment and threaten and harass me about an alleged debt that they just can not prove. I will be looking for this issue to be solved and this company reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have previous opened a dispute with Equifax in regards to fraudulent account and inquiries on my credit report I have sent them several documents over the course of the last month and they have yet to remove the accounts inquiries from my credit report despite me sending in documentation a dispute was opened on XX/XX/XXXX and closed in XXXX but the account fair collections and outsourcing is still reporting despite me sending a ftc report several times them the inquirie XXXX XXXX  is stil on my report despite me sending in the documents I have tried to open a another dispute with Equifax the are no longer cooperating nor will let me dispute the only account and inquirie I have on my credit report
Product: Checking or savings account

On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account to XXXX and Experian that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit card

i was check the statement I want Synchrony XXXX store card to have refund I sent email several times but did not get answer from them so I like to claim this issue and i return the product and XXXX XXXX told me to refund to my Synchrony XXXX XXXX card but when i check to the statement no refund and they copy my ideas and promoted I want to have refund {$130.00} so I am going to attach the file
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Several years ago, all of my money disappeared from my bank account. I received no warning, and I was getting negative account balance fees piling on each other day after day ... My parents stole my money from me, {$20000.00} worth, in a custodial bank account. That by itself is a bit of grey area in the law. However, when I turned XXXX, I walked up to the bank teller, showed her my ID and she refused to open a bank account for me and refused to cancel my direct deposit from my place of work. Now this is completely illegal ... ... Also, over the years I have been acquiring evidence and presenting this evidence to my local BMO Harris branches. They have refused to give me my money bank that I made while working in XXXX XXXX  at XXXX XXXX XXXX  XXXX ... Along with all of the evidence, I have recently acquired a voicemail from a BMO Harris employee confirming that a large wire transfer happened out of my bank account.
Product: Checking or savings account

Opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back on XX/XX/2023, about 5 months ago. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account.
Product: Credit card or prepaid card

XXXX ( transitioning to pnc ) websites and information I received in the mail states that you will be able to make a payment/will except payments until XXXX XXXX at XXXX 2021. However I tried to make a payment XX/XX/XXXX at XXXX as well as XXXX XX/XX/XXXX. No payment option was available online no payment option was available by phone. Their transition was supposed to take place according to the website at XXXX XX/XX/XXXX XXXX XXXX. 
My bill is due XX/XX/XXXX. 
They gave false information on their website as well as on the pamphlet I received in the mail. 
I do not want to be charged for not making a payment. No one I contacted via call center knew what was going on and they were unable to explain the dates/time being wrong. They would not let me talk to a supervisor.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}. 
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX  HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.
Product: Debt collection

For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? it is against the FCRA to collect on a debt that first of all is not true. 
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.