23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.
Product: Debt collection

I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!
Product: Credit reporting or other personal consumer reports

This account was opened from XX/XX/XXXX to XX/XX/XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX, but TransUnion reported from XX/XX/XXXX to XX/XX/XXXX. It also reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit file, it has been resolved by all but Trans union. It was reported paid in full XX/XX/XXXX, it was an auto loan with a total loss in hurricane XXXX. this item has been disputed in XXXX XXXX XXXX and XXXX and yet trans union still shows an open account. I had to purchase a used car and due to the XXXX balance I am paying 22 % interest and have not been able to refinance due to it still showing on my credit file. 
This is what it sows as of 10 minutes ago and it is costing me thousands of dollars that I want back due to there failure to correct this XXXX XXXX XXXX XXXX XXXX XXXX $ We Think You Could Save Last reported : XX/XX/XXXX {$22000.00} Good Overview You've paid off 26 % of the original amount. 
Balance {$22000.00} Highest Balance {$30000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Term 75 months You have an estimated {$3600.00} in interest left on your car loan We think your 7 % APR may be high ( est. from your credit report ). Refinancing might help you lower your APR and save on interest.

See if you can save Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Co-signer Remarks -- Times 30/60/90 days late 0/0/0 See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX
Product: Mortgage

I have been a customer of PHH since XXXX. This month ( it is now XX/XX/XXXX ) I have not yet received a bill for XX/XX/XXXX. The usual amount is {$780.00} and I am close to paying off the loan in its entirety. I have never failed to receive a bill in a timely fashion in the past 17 years. In fact, by this time of the month I would have already received 2 bills for the following month and would be preparing to mail in my payment. PHH has a reputation for trying to foreclose on mortgages that are current.

I have phoned PHH at XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXXI was advised that no billing has been sent out. I also was strangely differently advised by another PHH phone representative, that my bill had been sent out on XX/XX/XXXX. I immediately requested that a duplicate bill be sent immediately. I further requested that a bill be sent by First Class Mail, email or fax immediately to me so I can pay on time. I spoke with an individual from the XXXX or XXXX twice I think on a very poor quality connection. I was also inappropriately advised that my payment would not be considered late until XX/XX/XXXX. I pay my bills on time, always. I pay them by the first of every month. Due to the poor quality and incomprehensible calls ( 2 of them to either XXXX or the XXXX XXXX by my request I was transferred to another individual. I have had previous experiences with PHH and have even had to involve a lawyer because of illegal and deceptive practices. 

make no mistake about this : I have NOT asked for a forbearance. I am aware of RESPA laws that in case of any mortgage servicing changes I am required to be notified of any such change. So I know that no servicing change could have occurred. 

Eventually I was transferred to XXXX in the Escalation Department on Thursday XX/XX/XXXX. She promised me an immediate bill by mail ASAP, email or fax. She has all of the relevant information to get this done. She promised to call me and has not done so. 

I demand PHH immediately send me a bill for XX/XX/XXXX. I suspect illegal activity and criminal behavior on the part of PHH. 

Thank you for your consideration in this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written to and have called Lexus Nexus and asked them to please remove any information about my bankruptcy XXXX XXXX XXXX XXXX  because I didn't authorize for them to have it and give out my personal information to a third party. They have not responded to me at all. Please remove.
Product: Consumer Loan

I have fallen behind on my car payments. I have not avoided talking to the lender. They are continuously harrassing us for money. Within an hour of setting up an arrangement on the account i recieved another call wanting me to pay them. This XXXX individual had no idea of the arrangement. At this point I verbally instructed them to cease and decist all calls. Then, my vehicle went into repossession and they started calling again anyways. I was told that if i payed XXXX immediately and XXXX again within XXXX days, we would be fine. I paid the XXXX and spelled out my intent to pay the remaining XXXX on my next payday. The very next day, I recieved a call stating that we needed to pay XXXX. They have repeatedly harrassed us and violated our rights under the FDCPA. The company is Santander Consumer USA.
Product: Checking or savings account

XXXX XXXXXXXX Dollars is missing from a transfer I made to fund a XXXX  Savings Account I opened over a week ago. Each day I call I get a walkaround as to why I can't access my funds nor see my funds.
Product: Credit card

As a season ticket holder for the XXXX XXXX, we were invited to a free party at the XXXX which includes two hours free parking. The night before the event, the XXXX game was rained out and rescheduled for the day of the party, thereby jamming up all the parking. We were directed to park in the XXXX XXXX, the only remaining parking. That lot was jammed and we had to park near the top of the garage We left the party in plenty of time to stay within the two hours free parking, In leaving the garage, the garage owner, XXXX XXXX, had blocked off the exits on the third floor, blocking it with a golf cart, forcing us to drive to the bottom of the lot where only one gate was open despite having a baseball game having ended. This forced us to go further down the garage than should have been required and to wait for others leaving the game. When we finally got to the gate, they claimed we were one minute over the free parking and demanded {$25.00} to exit. We disputed it but they refused to let us leave, despite the fact that they had blocked off the other exits forcing us to this exit further away and in the wake of the end of the rescheduled game. The fact that they game was rescheuled at the time of the free party should have made this parking issue apparent and blocking off the other exits despite a full grage added 5 minutes to just gettig to the open exit where we then had to wait, I should not have been charged {$25.00} as the reason we were 1 minute over was the blocking of the exit we reached in plenty of time and the fact that they should have known that the rained out game being added to the time right before the party would create this parking mess in the first place. 

When I contacted Chase about disputing the charge which i tried to do in writing, I was directed to contact an XXXX number. I was told by the employee of Chase at that number that I could not dispute the charge. I pointed out that this was a misleading and false statement in the the XXXX gives me the right to dispute the charge and as an employee of XXXX with XXXX or apparent authority to act on their behalf, she was providing false information, I asked XXXX speak to a supervisor and was told one would call me back. I never receieved that call back. I received an e-mail about the dispute but it demanded documentation, This is not a document dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to your company Breaking laws under the FCRA. I cant Obtain credit or a job
Product: Debt collection

It says the lease was made XX/XX/2023 which is fraudulent because i have never heard of this place i tried calling and also sent mail but have heard anything i started this the first of XXXX when i seen it on my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable.

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standard. well as this account removed.

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

On XX/XX/19 my friend shipped boxes from my address with XXXX XXXX. to his new address.Since my address was used the bill came to me. I tried to resolve it with XXXX but I was told i couldn't change it since it was billed to me. XXXX tried to resolve it with them but he was also getting priced gouged, so they weren't working with him very much. He shipped XXXX XXXX '' x XXXX '' boxes for {$2300.00}, this was from PA to OR. The collection agency is still send me bills even though XXXX told me he resolved it with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA. 

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible. 

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 in XXXX, Florida I was scammed on the beach. A man approached me selling waters and I asked for two. As I tried to send the money through XXXX using my Chase account an error message popped up stating the number was not registered with a XXXX account. The man took the phone out of my hand transferred XXXX out of my savings into my checking and sent XXXX dollars to one number and XXXX dollars to an email. My phone immediately died when he returned my phone. When I got back to my hotel and saw I was scammed I immediately called the XXXX XXXX Police Department and filed a police report. I even went back to where the incident happened with several cops and searched the area for this man. The XXXX dollar payment was canceled and I have yet to get my XXXX dollars back. I filed a claim and the claim was denied so I filed to reopen my claim and that was denied as well. This whole incident has caused me stress, financial stress and caused me to slip up in school. The XXXX dollars stolen from my is the refund money from my student loans that I absolutely need in order to repay those loans and continue school. This has caused me so much distress and destitution.
Product: Mortgage

I refinanced my home. They instantly sold the loan. My interest rate is 3.75 % and my payments are {$2100.00}. I just received my first payment, and it says {$800.00} is escrow, {$910.00} is interest ( way more than 3.75 %!!! ), and only {$440.00} is principal. This can not be right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 filed disputes with all 3 bureaus and still have not received anything from them.

I understand it time to received things by mail but more then 30 days is not acceptable.

They say they will send results within 30 days then that what they should do.