23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX from XXXX XXXX has contacted my director of HR to " deliver '' a package to me. The following are the issues. 

1. They are contacting my HR with no legal ground. 
2. I do not owe this debt. 
3. They are impersonating another law firm. The photo on their website actually belongs to another real attorney. I discovered this with a reverse image search on XXXX. 
4. They are clearly not a legal company based on my conversations with them. I repeatedly set on hold for 1-2 minute intervals when them popping back on to see if i was still there. Once I asked to talk to the manger I was on hold for 10 minutes and then got sent to " XXXX from maintenance '' 5. They claim they mailed me a letter 45 days ago. They have the right address. I DID NOT get a letter. 
6. They claim they have tried to deliver a summons to me. They have my phone number, home address, and work address. It would require no work to serve me. 
7. They claim their is a current legal case open with me but can not provide a case number or the court it is with. 

This is not a debt i owe and they are not a legitimate company. I need them to not contact me or my employer ... .. 


Their website XXXX XXXX XXXX The image they are using on a real lawyers site ( I contacted this law firm and let them know ). The image is towards the bottom. 
XXXX XXXX XXXX The site on their number will not work. Their actual number is XXXX
Product: Debt collection

DEAR : DEVILLE ASSET MANAGEMENT I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent account. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.

I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : DEVILLE ASSET MANAGEMENT / XXXX XXXX  Opened : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX REF : XXXX
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
XXXX5 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to contact me or CFPB within the allotted amount of time. 

XXXX  requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.
Product: Mortgage

On XX/XX/XXXX, I applied to a company for a loan to refinance my property. I chose this company because I had received offers from them, I thought they were reputable, and I already had a credit card with them. When we refinanced the last time, in XXXX, we supplied our income and other bills we wanted to include. This time I was asked to do the same along with a request for reappraisal ( at cost of {$580.00} ), copies of last two months checking accounts, copy of savings account, copy of 1040, copy of my late husband 's death certificate, mortgage statement, copy of homeowner 's insurance, copy of HOA XXXX  dues, copy of property taxes for all property owned and, to top it off, a complete copy of our Family Trust of over 90 pages with attachments of 9 at a cost of {$1.00} a page at XXXX . ( Fortunately a friend did it for much less. ) As you can see, there was a lot of back and forth for two and a half months. Five states were involved in the proceedings. Then, on XXXX XXXX, XXXX, I was notified that the loan had been denied. My property is situated on a lakefront in a most desirable part of Ohio. Several homes have sold for over a XXXX. Appraised at over $ XXXX, for a loan of {$130000.00} seems like a good deal if I were doing the lending. Oh yes, I am XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX  - ACCOUNT # XXXX ], Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Original balance is not being reported correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, Past Due amount is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Debt collection

So I have already told them my ex-wife will pay it. I understand they are calling for a date but they have called me 4 times today from XXXX and when I addressed the fact that they are harrising me they acted like they could not hear me and hung up. 

They also called me 3 times on XX/XX/XXXX from XXXX 4 times on XX/XX/XXXX rom XXXX This is from Conns home plus. I owe on a washer & Dryer. Now it is not from Conns directly, they clearly have outsourced to XXXX. but They still should not be calling like this. 


I can print screen the calls if needed. Please advise.
Product: Mortgage

Hello My husband and I purchased our home in XXXX. I lost the closing documents so that is the reason why I am reviewing them. I noticed on the CD the lender collected 13 months of escrow. I did my research escrow is typically 3-6 months. 13 months of escrow seems excessive to me, I want to make sure the lender or loan officer did not violate any rules or regulations. 

Thank you
Product: Credit card or prepaid card

In Late XXXX, I was overcharged at a XXXX XXXX in XXXX. There appeared to be a dispute for the billed items. I agreed to pay {$300.00}. The XXXX XXXX did not give me a receipt nor have me sign anything. 

When my statement came on XX/XX/XXXX, I saw they had charged my card {$600.00}. I called them and they would not take my call nor return my call. I reported the fraudulent charge to XXXX card the next day and explained what happened. 

XXXX then sent me a letter saying I needed to provide an invoice that showed {$300.00} with my signature. I explained that did not exist, and neither did an invoice signed by me for {$600.00}. 

XXXX then sent me a letter saying they were denying my fraud complaint. They then sent me a nasty letter saying if the amount is not paid, they will report to the credit bureau. The amount I contested was paid as soon i as i saw they were trying to charge me interest before the claim was denied. 

I am referring to the CFPB because my card was charged a fraudulent amount, the merchant has no proof i agreed to the inflated amount, and XXXX card has called me a liar and threaten to report me to the credit bureaus if i do not pay something i have already paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health.

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,
Product: Credit card or prepaid card

capt one was notify to ck into a dispute at a hotel, chg i dont know about
Product: Debt collection

A person claiming to be with Ally Financial, who currently holds the loan on my XXXX  XXXX XXXX, has been calling me at my work despite being repeatedly told to stop calling me at this number. The debt in question is not delinquent and is paid current. The number appears in the phone system as " XXXX Number '' but the actual number calling in is ( XXXX ) XXXX. A simple XXXX search shows that others have dealt with this as well.
Product: Credit card or prepaid card

Received a bogus notification of a credit-card debt settlement from an organization that operates under the following company that is already discredited by the XXXX  : Student Loan Control , LLC 7 years in business XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX  Link XXXX XXXX XXXXXXXX They use the clever, but duplicitous, moniker " Department of Negotiations. '' They appear to also operate under the following name : XXXX XXXX XXXX It's a scam designed to prey on the ignorant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.
Product: Student loan

I worked from XXXX for qualifying county agencies for Temporary Public Service Loan Forgiveness Waiver . I made close to XXXX dollars in payments over that time frame in lump payments. The servicer Mohela has sent me a letter saying. I only qualify for 3 payments made since they received my loan from XXXX in the past year. They have not counted any of the other qualifying payments and on the paperwork, they sent me it says they do not have the employment verification for some of the payments to count. I sent XXXX XXXX my PSLF form and employment verification for that time period and it was sent to MOHELA. So they are trying to disallow or disqualify the payments I made that can count towards forgiveness. I want this to be looked into because by my calculations I am very close or should have the loans forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. 
This is not right! I received a credit report from you, and there are some companies on it that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
.I 'm not happy with this! I received my credit report from you, and there are some companies on here that I don't recognize. It looks like they put an inquiry on my file without me knowing- but I shouldn't have to deal with this unless it was something approved by me first. The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act in order to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
This is not right! I received a credit report from you and there are some companies on it that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S.

Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. Please send me documentation showing compliance with FCRA guidelines. Thank you. 
I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details.
Product: Credit reporting or other personal consumer reports

reported me as deceased for two years and then gave me missed payments while I was still labeled deceased. They also can not tell me What this card was used for and when it was used to have this balance. I asked for the information and they still have not furnished it and still up until a week ago had me as deceased in their records which has caused me declined applications or fair credit rates.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY ADDRESS HAS ERRORS THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Product: Money transfer, virtual currency, or money service

Using AirTM ( XXXX XXXX  account ) I tried transferring money via international bank transfer to my bank account in XXXX. My bank account rejected this transaction, but the amount wasnt reimbursed in AirTM
Product: Credit reporting or other personal consumer reports

Attention : Credit reporting agency, TransUnion Date : XXXX Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company NameXXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account nameXXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX D.O.B. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years now, I have been unable to receive my credit report from Equifax online through the customer portal. I have called four times within the month of XX/XX/XXXX, and have been informed that someone would reach out to me within the next 3-5 business days. However, I never received a call or email. I called again towards the end of XXXX and I was informed to send a copy of my DL, W-2 ( for proof of social ), and a utility bill to verify that I am the correct account holder. After doing so, I am still not able to access a credit report nor score through the portal. I am also not able to view an Equifax credit report on myannualcreditreport.com either. The last thing reported on myEquifax.com was dated for XX/XX/XXXX. This report even had fraudulent activity on it. I have never owned an XXXX XXXX credit card for XXXX. They XXXX have gotten my information mixed up with someone else, but I'm not sure how. Over the past 2 years, I have had a lot of fraudulent activity on my report, and it is very suspicious that this seemed to happen around the time that I have not been able to access to Equifax. Now, I access all reports through XXXX and IXXXX, and it is very suspicious as to why I can see things reported on their website, but not through Equifax itself.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a gift from a company which turned out to be from XXXX. As usual I never received the items and called my bank to report this. I was transferred to an " XXXX '' call center somewhere in the XXXX and received the most disrespectful and rude agent I've ever had. I asked the young man to please file a dispute on my behalf and after XXXX minutes I was told that the dispute was resolved and I would see a credit on my card account in a few days. That never happened and I figured it was because of this young man disposition.
Product: Credit reporting or other personal consumer reports

There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX XXXX Transunion As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports XXXX, XXXX XXXX Transunion ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am
Product: Debt collection

I owed on a credit card and reached a settlement with the collectors over the phone, but I have not been able to contact the company through their email/chat system, even waiting 5 or more days even though you set a date to receive a reply on, meaning you are forced to call and talk to someone which is very non inclusive to those who cant/isnt comfortable talking on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted XXXX XXXX.
Product: Mortgage

I was laid off from work. 
I applied and was approved for an Unemployed assistance loan from KYHC. 
On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. 

At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. 

How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? 

This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.