23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX with the company Regional Finance called my place of employment. I was asked to ask her to stop calling because it is a business line. She then began to lie and state that she was calling regarding benefits for the program we work for. She was calling from ( XXXX ) XXXX and had already state it was in regards to a past due bill. She then made a false report that I was rude and unhelpful regarding the fake XXXX account that she was faking a call for. Throughout the call, she insisted that she need to speak with the DEBTOR in regards to this call. The debtor would not be the person she needed to speak to. She was falsifying information in order to harass the debtor. This needs to be stopped immediately.
Product: Debt collection

I disputed the debt, the company sent a letter and a document that does not show what was paid by insurance and copay. The " bill '' of {$190.00} just states that I owe {$32.00} but does not break down which portion was covered by insurance or paid with patient copay. No further information was provided by the organization on the actual breakdown of charges and payments so I can see if there is an actual deficit in payment by the insurance because my portion was paid.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act XXXX XXXX XXXX account number ending in XXXX, XXXX XXXX act ending inXXXX XXXX XXXXXXXX XXXX act ending inXXXX XXXX XXXX XXXX act ending in XXXX has violated my rightsunder 15USD 1681sec6028 states I have the right to privacy 16usd1681sec6042 consumer reporting agencies can not publish my accounts without written instructions
Product: Credit card or prepaid card

I took steps to enroll in auto payment at every XXXX to prevent being late. The minimum amount for XX/XX/XXXX was {$110.00}. On the XXXX, my request for partial balance transfer on my Capital One account from my XXXX card in the amount of {$1800.00} was credited to my Capital one account which was more than the minimum amount required. I chatted on line with XXXX an account supervisor on the XXXX and discussed the situation of " Double payment/ Redundant payment. I asked if I could get reimbursed for the minimum payment made on the XXXX. He said 'No '. I asked if that amount can be considerd as XX/XX/XXXX payment. Again, He said 'No '. My contentions are that Being in a Supervisory Position, he could have made a request to the particular department that can take care of my requests. Their IT can in probability take care of this. There was no pause I observed in ready answer for him to ask or consult with any department. They never informed me whatso-ever that, that's their policy, 'NO REFUND/REIMBURSEMENT '' for consumer 's mistakes on payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, Experian, XXXX  and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.
Product: Credit reporting or other personal consumer reports

UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -SECOND NOTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXPERIAN is in violation of multiple laws set forth by Congress in regards to the following account XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( EXPERIAN ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. EXPERIAN is willfully reporting chraged off debt on my consumer report when in reality it is considered income by the IRS Topic 431. This reporting in nature is INACCURATE. These accounts are considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate!. Your inaccurate reporting has caused me severe damages in the form of CHARACTER DEFAMATION and per ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. Experian Information Solutions Inc '' I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. You are in violation under 15 USC 1681c ( 4 ) ( 5 ), 15 USC 1681e ( b ), 15 USC 1681a2 ( ii ) 15 USC 1681b, and I have the evidence of your willful violations which is my initial notice to you via the CFPB and my current consumer credit report as of today.
Product: Prepaid card

I received a XXXX debit card with {$100.00} on it as a compensation for alot of problems I had with XXXX. That card was issued to me during Covid and I could not use it within the 1 year they gave me until it expired. They will not reissue me a new card!!
Product: Mortgage

I am filing this complaint because PHH filed a Notice of Default on XX/XX/2019, the same day that I faxed in my hardship/mortgage assistance package application and before 120days being delinquent. From what I understand a lender is not supposed to continue foreclosure proceedings when a borrower submits a hardship/mortgage assistance application. I am asking for PHH to rescind this NOD filing, as they review my assistance request. By PHH filing this NOD at the same time that my hardship/mortgage assistance package application is being reviewed is dual tracking and it not allowed.

I find this in your website and I believe that PHH has violated this rule. 
Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.
Product: Mortgage

I have been attempting to close on a rate refinance with Chase Bank for over 3 months now. Their underwriting is AWFUL as I have to repeatedly supply them with the same information. It is almost like they hire people for as little pay as possible and then are surprised when their underwriters are idiots. The worst part about this is, CHASE HOLDS MY PRESENT MORTGAGE I AM ATTEMPTING TO REFINANCE!!! I have never seen this level of incompetance and I work in the mortgage servicing industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report on XX/XX/2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my husband and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.
Product: Debt collection

I received a call from a company Ive never heard of called Credence Resource Management about an old balance from an old phone bill. The very first day I let the company know that I am not working and wont be able to make any payments until I have income coming in. I also stated that I was looking to pay it off or at least majority of it once I got my taxes. The collector kept trying to get me to set up an arrangement, telling me that I might not have a chance to be in good standing with them if I wait until then & have me put my card information in for the arrangement which I kept telling the caller i would have to verify it, I do not have the money, & dont know when I can even make arrangements. They call me everyday from three different numbers with the last 4 numbers somewhat similar or different than the others starting as early as XXXX XXXX for the last two weeks. The last conversation I told them to send me the information through mail because I need it in writing & they still continue to call, some days at least twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXXwith a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX  XXXX is still reporting the account as open through XX/XX/XXXX with Equifax and XXXX ( XXXX is reporting closed status as ofXX/XX/XXXX ). In addition, XXXX  XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called Bank XXXX XXXX XXXX XXXX asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Product: Debt collection

I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from XXXX XXXX and Equifax
Product: Debt collection

HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA.

IC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by law.
Product: Credit reporting or other personal consumer reports

This my Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A new account was opened, opening date unknown, with the creditor XXXX and reported on XX/XX/year>, with the credit limit of {$5000.00}. A charge was placed on that account in the amount of {$50.00} and then a payment of {$50.00} was applied on XX/XX/year>. 
The name on the account was not mine and was listed as XXXX XXXX, which is NOT me. I contacted Experian in order to remove the account and correct my credit report. 
I had Experian put a freeze, and fraud alert, on my credit file on XX/XX/year>, and opened a dispute on XX/XX/year>. " The dispute for the account with XXXX that starts with XXXX has been received and should be completed by XX/XX/year>. '' The dispute of personal information such as name or Social Security number has been received and should be completed by XX/XX/year>. '' On XX/XX/year> I received the results of the dispute as follows : " The dispute for the account with XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' THE RESULT WAS EXPERIAN CHANGING THE NAME ON THE FRAUDULENT ACCOUNT FROM XXXX XXXX TO XXXX XXXX. 
THIS IS NOT MY ACCOUNT!! I DON'T KNOW WHO THIS COMPANY IS!! 
I NEED HELP IN GETTING THIS ACCOUNT CLOSED AND REMOVED FROM MY CREDIT FILE. 
I HAVE NEITHER THE FULL ACCOUNT NUMBER NOR THE TELEPHONE NUMBER ASSOCIATED WITH THE FRAUDULENT ACCOUNT AND THEREFORE I CAN NOT ACCESS THE ACCOUNT WITH A REPRESENTATIVE WITH THE COMPANY. 

I opened a new dispute with Experian with this creditor on XX/XX/year> to make them reevaluate the previous results. 
Help please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Debt collection

I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.
Product: Debt collection

Received letter advising that debt was for XXXX insurance. Did not have any of my information on the letter. Only 2 vehicles and payment dates. No information verifing or validating that the vehicles belonged to me. Additionally, no payment method advised to confirm payment was made by me. 

Again, this company is in violation of FCRA reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

GULF COAST COLLECTIO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX. 
Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GULF COAST COLLECTIO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX