23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On  XX/XX/XXXX  I received a voicemail from "  XXXX  '' at the number  XXXX . It was " regarding our location and tracing efforts for [ my name ] '' and " It is important that we speak with you in regards to their whereabouts. If we can not verify this information through you the law allows us to contact all references on file. If you are unable to provide any information please contact us regardless at  XXXX  ''. I called back and their greeting said " FMR '' I then spoke to "  XXXX  '' (? ) who had me confirm my name and last 4. They do have my full SSN and WA Driver 's Lic # which is frightening. He said I took out a {$370.00} payday loan through "   XXXX   XXXX   XXXX   '' ( never heard of them ) on  XX/XX/XXXX  with a bank account through   XXXX   XXXX   XXXX   as payback. I was in the middle of a bankruptcy at that time so could not have taken out any loans, and also I did not have a bank account with   XXXX   at that time. I also have never received anything in the mail about this supposed debt. I asked him to send me some documentation in the mail because the circumstances sounded suspicious. I have a right to receive debt validation under the FDCPA. He refused to agree to send me anything, got very abusive and would n't let me talk, and tried to bully me into paying right then and there. When I asked to speak with his manager, he refused and said he was putting me down as a refusal to pay. I tried to say if he would just send me documentation that the loan was legitimate then I could review it, but he basically said goodbye and hung up on me. I never once said that I was refusing to pay. I called back to try to get a different person and the same person answered and threatened to file harassment charges against me if I called back again, and hung up on me again.
I did some research into this " FMR '' and they are based in  XXXX , NY and their full name is " Forward Movement Recovery. '' They have many complaints and negative reviews on the BBB site, and many scam/fraud complaints on independent review sites as well. Also, according to this article,   XXXX   XXXX   XXXX   is not even licensed to do business in WA state where I have lived my entire life. http : //www.dfi.wa.gov/consumer/alerts/plain-green-loans-not-licensed-washington I will also be filing complaints with the Attorney Generals for WA and NY.
Product: Credit card

On XX/XX/2024 I sent out a secured message to the company about ways to reduce the interest rate on the account, because the rate is around 10 % higher than any other card I have. The card balance is around {$1800.00} currently, and limit as of XX/XX/2024 was {$11000.00}. 

The message included potentially transferring part of the balance to another card issuer and failing that look into closing the account, as fallback steps to get lowered interest rate. 

However, this message was incorrectly interpreted by the company and they closed the account without first contacting me by phone, mail or email to seek clarification or discuss the request specifically. 

I only discovered the account was closed in a cursory call to inquire about account activity and setup balance payment. There is no letter record whatsoever from the company to me about closing the account. 

During this cursory call, I asked them to immediately reopen the account and restore the same card settings including limits of around {$11000.00} since there was a pending request to XXXX 's management to review and lower the high interest rate. While the account was reopened, the limit they had dropped to a low level of around {$2000.00} during the premature closure, was not returned back. 

The terms I instructed them to follow in reopening the account after their ill-advised, premature closure was not met. 

I respectfully ask this company to restore the card limit back to the earlier level of {$11000.00} and to lower the interest rate per best available promotional rate. There is no justification for what happened and immediate action is needed to correct the idiocy related to the premature account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 - Equifax appears to be hiding my Credit report from Me and from those who pull my credit report. I have had several people tell me when they look at my Equifax credit there is nothing. My subscription to MyEquifax.com and XXXX revealed the same thing. None of my current items appear on my report. 


Step 2 I am having problems with Equifax getting a full copy of my credit report and having companies who pull my credit having the same problem. 


Step 3 I placed several calls regarding the issue. The first time I called the Equifax rep told me after verifying my new credit as of XX/XX/2020. Told me he would send me a report containing the full credit file. What I received was a report that said WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. 


I called approximately three or four times. The second Equifax rep. told me that I had two reports and it was a simple matter of merging the reports. While being transferred to the appropriate dept. with the Customer service rep. on the phone, I was disconnected or hung upon. It was a 20 minute plus call. 


Needless to say, after several attempts including speaking to a supervisor the last Equifax rep. I spoke to again told me that I had two reports but it was due to the fact that I had two addresses on file one for : XXXX XXXX XXXX XXXX &. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX I informed her they were the same place as XXXX XXXX is a subdivision of XXXX XXXX. I was instructed to fax a letter stating that they were the same address along with my ID and Social security card copies. And then once that was noted in my file the reports would be merged. 


To this day I am still receiving the WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. I can get no answers nor appropriate action or a solution to my dilemma. 


I am including the faxes I sent to Equifax as a detailed record of my attempts and copies of the reports I received from Equifax as well as copies I received from XXXX and myEquifax.com for my Equifax credit file. Please forgive my language of frustration. 


Step 4 - The complaint is about Equifax and their mishandling and misreporting of my credit file. 


Step 5 Equifax Customer Service and Equifax Management. The last Equifax customer service rep. I spoke to was named XXXX. They do not give out their last names.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX spoke to a rep as the executor of my fathers estate, he has a roth ira and a CD at USbank. 
XX/XX/XXXX got a copy and paste condolence response and a rep in charge of the case. 
6 calls and many emails later, still no responses. 
Sent a copy of the death cert and letters of admin, no confirmation of receipt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name open fraudulently. My information was used to obtain financial goods and or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as a result of alleged identity theft. Also, 15 US code 1681 section 604 alpha Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received instructions from me, nor did they obtain permission or have my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my Consumer Reports immediately.
Product: Payday loan, title loan, or personal loan

I was not aware that I was past due on any payment for this account. I never received any notification via mail XXXX up until XX/XX/2021 after I filed initial complaint ) or email from them. I must have made over a dozen phone calls to resolve this issue In the beginning they said there was a computer problem back during Covid XXXX  shutdown and all my payments were current. I say that I was required to pay an additional {$420.00}. I didn't know until I went online and say a past due amount. So I schedule a payment of {$930.00}, that amount I just made off the top of my head. When I went online to see if my payment was posting for {$930.00} it said amount due {$1300.00} so when I went to ck it took the full {$1300.00} and my {$930.00}. I am not working at this time. I requested the {$930.00} back and to keep the {$1300.00} so it would bring my account current. They did refund me the {$930.00}, but they are reporting to my credit report a delinquent. But if you review my on time payments it is all on time. my credit report dropped XXXX points. I called them to remove the neg report they put on my credit score. It went on then it went off then it went back on. I went from a good credit score to average. This is unacceptable and should not be allowed. I am not working but am still able to pay my bills, and am waiting for my UI to start back up as I had to file a new claim. Every time you speak to Lending club you get a different answer from a different person. I told them I am more than happy to give them extra on each payment to make up for whatever is due but it does not seem to make sense so I don't know where the extra money is going when I make an additional payment.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Removal of Inaccurate Collection Account - Account # XXXX To Whom It May Concern, I am writing to follow up on my collection account listed on my credit report under the account # XXXX. This inaccurate collection account remains on my credit report. 

I have provided evidence that the account has been paid, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

According to the Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business transaction that is initiated by the consumer. I have not applied for any credit recently. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

About in XXXX of XXXX, I have seen I had fraudulent transactions and I had called my bank ( CHIME ) and they reassured me the money would be returned. A few weeks go by and that was a lie so I filed a dispute with them it got REJECTED! So they said file a police report and then refile a dispute it GOT REJECTED AGAIN, I got scammed and my money stolen, XXXX to be exact and I have done everything they told me to do to prove I had my money stolen. And recently I have heard recent stories about this bank never disputing peoples money back. And ever since I have been struggling financially wise its been an ongoing battle and just want my money back.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shock how poor attention and lack of investigation XXXX and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : SYNCB/GAP Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Product: Mortgage

On XX/XX/XXXX, I contacted Caliber Home Loans to inquire a refinance letter received in the email. I spoke with XXXX XXXX from Caliber Home Loans who gave me more details regarding the refinance letter I had received in the mail. He reviewed my existing mortgage and recommended doing a refinance to a 10 year mortgage since the payment would only be {$27.00} more and we would save $ XXXX in interest compared to a 15 year mortgage. I mentioned that we had a home equity line of credit on the property as well as the mortgage from Caliber Home Loans. We discussed the amount the home equity line of credit was and the current balance of both loans. He said the home equity line of credit wouldn't be an issue since the mortgage and balance of home equity line of credit was less than my current mortgage loan was originated for. He told me that I had to pay {$23.00} for a credit check to move forward so I did. I submitted all required documents that day. He explained that the closing was going to take several months due to the low interest rates and all the refinances going on so don't expect any communication for a month or two. 
On XX/XX/XXXX, I received a letter from Caliber Home Loans saying the loan application was " Withdrawn by Applicant ''. I immediately reached out to XXXX XXXX trying to understand why the letter stated that I request to cancel the loan. He responded by saying " Looking at the notes it looks like there was a second mortgage/lien found on the property. We can not subordinate it. ". I asked him for more details about the second mortgage since I am not aware of one and he stated that the HELOC is considered a second mortgage. 
I tried to contact Caliber Home Loans Advocacy Department however it plays a message saying to call during normal business ( which I was ) and then hung up. I called Caliber Home Loan 's customer service normal and was informed by a agent that that Advocacy Department phone system was down and to try later. I requested an executive path and was told that the best I could get was a call back when the system is back up or to call back after the system was back up. 

I am very concerned that Caliber Home Loans isn't tagging the loan cancellation reason correctly since the customer didn't ask to cancel the loan as well as not providing any details on why they cancelled the loan. I would like to understand why I was charged for a credit check if Caliber Home Loans doesn't allow existing HELOCs for a refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXXARC Management Group LLC added a derogatory mark on my credit report per Credit Karma. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARC Management Group has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report.
Product: Credit reporting or other personal consumer reports

I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a Chase credit card customer with 2 different cards. In XX/XX/2022, I called in to ask if they could increase my credit limits without pulling my credit. I was told THEY COULD! A couple weeks later, I received a new credit card, which now having two of the same credit cards called in again. They pulled my credit AGAIN! I have filed 2 XXXX complaints and an Attorney General complaint regarding unauthorized credit pulls WITHOUT my authorization! My credit score has dropped and now I have 2 of the same credit cards with an increase of only {$1300.00}. I would like to file a formal complaint against Chase Credit Cards for deceptively pulling my credit without my authorization, derogatorily affecting my credit score, increasing my credit limits that isn't satisfactory, and having 2 of the same credit cards! I have asked several times both with a personal banker and with Chase 's Executive Relations office if the limits could be increased as a tenured customer of over 13 years!
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my Identity IQ credit report and discovered it contained some errors pertaining to my Address I am requesting that you promptly INVESTIGATE and UPDATE the address that I never resided and may possibly be listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What happened is I had to go to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. The hospital was supposed to bill my families XXXX XXXX XXXXXXXX and due to multiple errors they made I was sent to collections instead. 

I found this out on my credit report that they made this mistake. The hospital has already provided me a letter of closure for the account in question. However, XXXX XXXX XXXXXXXX did not take off the collections and neither did Experian despite inaccurate information being reported on my credit report. I also asked for debt validation and verification, there is no evidence that the account listed is even mine. I have had no dealings with XXXX who they now list as the original creditor so again another error on my credit report. I have not been provided a shred of proof and my right to settle this with the actual, original creditor is being violated. 

The account number from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX