23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been being pursued by mail credit control corporation for XXXX different debts owed to this company which i never had any medical bills owed to this company or any other and it is now negatively effecting my credit score and is holding me up obtaining suitable housing.
Product: Debt collection

I initially began contacting Medical & Professional Collection Services on XX/XX/XXXX in order to verify that the debt recorded was in fact my debt. I contacted the company multiple times and was told that they would mail information verifying that the debt was mine. As of XX/XX/XXXX, I have yet to receive such information. How can I pay a debt that I can not verify is mine if they won't send me such information showing it is mine?
Product: Credit card or prepaid card

On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. 

The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.
Product: Debt collection

FIA Card Services repeatedly billed numerous duplications of an unauthorized charge over a period of more than a year. By phone, they acknowledged the charge was unauthorized and credited back some of the instances, but then rebilled the same charge in duplicate. According to the Fair Credit Billing Act guidelines, I sent certified dispute letters on XXXX dates ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX ). FIA Card Services did not respond at all to the first XXXX letters and only acknowledged receipt of the XXXX/XXXX/XXXX letter, saying they would research and respond. I never received a response to my detailed documentation of their error ( s ). They continue to bill me and add penalties, they referred me to their collections department, and they reported me as delinquent to credit reporting agencies - all in violation of the Fair Credit Billing Act and their own Billing Rights statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Trans Union XXXX. XXXX  XXXX XXXX  XXXX, PA. XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX   XXXX  XXXX  ) Account # XXXX ; XXXX. 

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX   XXXX  ). I have received a response that clearly violates my rights according to HIPAA. 

TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX XXXX/ XXXX  XXXX   XXXX  ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX  XXXX  ) should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX DISCOVER BANK Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : ACCOUNT NUMBER XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. I nose responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Checking or savings account

Wells Fargo Closed My account, and accused me of making fake fraud claims. I did some research online and saw recent cases from people where people worked in the fraud department would describe how Wells Fargo would not really investigate these claims as the law requires. Also read similar cases where Wells Fargo would close customers accounts, not investigate and stick customers with a denied decision on the case with no way to retaliate as the bank closes the accounts. Reverses any provisional Credits and basically causes a huge inconvenience in peoples lives. This bank has frozen my accounts. I called spoke to a rep over the phone who claimed he removed this freeze and just flat out lied. Wells Fargo reps are rude and hang up on customers if you get a snotty attitude with them. after years of lawsuits you would think they would learn by now. I'm going to sue this bank for every last dollar it has for damages, pain and suffering, and more...
Product: Debt collection

Company calls with my full ss # and DOB and says I owe money and need to pay it or they will have me served. I call the creditor that they claim to represent and creditor said account was in good standing and previously paid off and closed ( as reflected on my credit report as well ). The " XXXX XXXX '' calls me every three days and leaves a message. I blocked my number and called them back and it said call could not be completed. I unblock my number and they answer on the first ring. They said that I haven't paid since X date. That is the date that the card was paid in full. I do not know how they have my full SS # either. I have 7 voicemails since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported false information on my credit for the past 2 years. The company that reported this debt never submitted any proof or verification that I owed this money. This debt was deleted from my XXXX report within 24 hours of submitting a dispute online however I have made several attempts by phone and electronically to dispute this fraudulent debt to Equifax to no avail. This is causing me great hardship as it is preventing me from obtaining housing. The XXXX XXXX in XXXX WA is alleging I owe {$210.00}, which I do not. This has caused my rental application for two apartments to be denied. This has caused me financial harm. I do not believe Equifax properly investigated this dispute. I believe Equifax simply posted this false debt on my credit report without any proof it was mine or that I owned or owed the debt. I want this false debt deleted from my Equifax credit report immediately.
Product: Mortgage

We have been having ongoing issues with the deposit of funds and balance of our mortgage account. In XXXX our mortgage account was credited over {$5000.00} with consent, or contact made to us by the bank before hand. I then had to argue with the bank for a while til about {$1500.00} of it was taken off, through about 6 phone calls each time saying there was n't an error. I had to provide proof of over {$5000.00} of deposit, because they were not keeping an accurate record. Previous to this change we had opened an account with the bank for checking in order to directly make payments to our mortgage with a easily accessible paper trial of deposits. However we were not able to transfer money between the XXXX for over 5 months resulting in cash deposits. I went through a XXXX and decided the few thousand dollars was n't worth the stress at the time. However this month we made another {$3000.00} deposit, which did not get credited to our account until over a week after it was made, after a phone call from the mortgage office asking what it was for that was a little over a week ago. Now our mortgage account is n't even available online. I am really tired of being taken advantage of, and worrying that our hard earned money is being stolen and misplaced by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my XXXX, XXXX and XXXX XXXX, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq.. 

On XX/XX/year> Credence Resource Management of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above.

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit. 

I need these false accounts deleted off my credit profiles on all XXXX bureaus.
Product: Debt collection

Portfolio Recovery has called me numerous times. Today, they called me at work and wouldn't even tell me what they were calling about so I hung up. I then called them back and they referred to some credit card ( Visa ) that was opened in 2008 and they said I owed over {$3000.00}. I am not even aware of a credit card or bill that I owe from that far back. The lady on the other line typed in my information when I said I wa n't paying it because I am unaware of that bill. 

There number is XXXX. I asked them to please stop calling me.
Product: Checking or savings account

There were several overdraft fees that brought my account in arrears. When I asked about it they merely read off their company policy, which still didn't explain why I had so many overdraft fees. This was in year 2017. They closed my account for some time but I still had another account with them that I kept open even to this day..
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 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: Mortgage

Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.
Product: Mortgage

I am XXXX XXXX military. I requested help from Loan care to let me pay the interest for this VA loan while the house was on sale and they refused. I requested a deed in lieu and they are dragging their feet hoping the house goes on foreclosure. They have transfer my packet to 3 different representatives, they refuse to let me talk to a Supervisor and they keep asking for different paperwork instead of asking for those at the beginning. They are refusing to work with me and costumer service is one of the worst I ever seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
Product: Debt collection

I'm writing today because Security Auto Loans is reporting an alleged debit to my credit report with no proof. I have reached out to Security Auto Loans on more that one occasion requesting that they verify this debit. There has been no instance where security auto loans have responded back to me at all. I have asked them if they could send me some type of documentation to validate the debit ( preferably a copy of a signed agreement ) but i have been ignored with every request. The attached documents below are copies of the Latest letter that i have sent to Security Auto Loans requesting for proper validation of the alleged debit. The first letter dating back to over 90 days ago on XX/XX/XXXX and the most recent being XX/XX/XXXX. I have filed a dispute of the debit with XXXX who states that's security Auto Loans are responding back to them stating that the debit has been verified however Security auto loans has not provided XXXX nor I any documentation or information to which they have validated this debit. 

The following numbers are tracking numbers for a couple of the many letters i've sent to Security Auto Loans with regards to this issue. 

Tracking Numbers : Security Auto Loans XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered No Reponse
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX  XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within XXXX hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681.

US DEPARTMENT OF EDU XXXX Has violated my rights US DEPARTMENT OF EDU XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX 
XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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. 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 7 years. 15 U.S.C. 1681 s-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: Debt collection

On XX/XX/XXXX, around XXXXXXXX XXXX  I received a call from Midland Credit Management regarding a debt that was in XXXX. The lady I spoke with by the name of XXXX XXXX or XXXX. I told her I was currently experiencing a hardship. Therefore I can't pay because I live with my daughter and I'm no longer working. She kept insisting I pay something on the debt. I told her if I could pay, I would not be much because I am not receiving any income. I told her my daughter sometimes helps me out. She stated whatever my daughter can give I can pay something on the debt. I told her it would not be consistent and I may fall behind again. She said it was okay. We agreed to pay {$25.00} a month. She asked me to hold and thought I was going to make arrangements. The collection manager by the name of XXXX XXXX XXXX ( I couldn't hear the name clearly ) jumps in on the call and starts saying some deceptive things to me. He stated I could be sued ; a lawsuit could be brought against me. He said the debt was old and I never tried to pay it because it's been too long. If I can make ends meet by having a phone, I can pay my debt. He said I am not trying to get out of a hardship situation and further actions can be brought against me like wage garnishment if I don't pay. I told the man he didn't know my situation and should not speak about it. He continues for about 20 minutes arguing and belittling me about not having money to pay and being in a bad situation such as hardship. The collection manager insulted me and used tactical methods to violate the Fair Debt Collection Practices Act. The conversation was on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this dispute and my ID and Social Security Card is attached for verification. I checked my credit report and noticed some fraudulent, incomplete and incorrect accounts. Below are the accounts that are reporting that should be investigated and DELETED by all credit reporting agencies. 

ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX ( Original Creditor : XXXX  )