23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.
Product: Debt collection

Debt Recovery Solutions LLC I was going over my credit file and seen a unverified account from Debt Recovery Solutions LLC XXXX! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees or services never provided.
Product: Credit card or prepaid card

Citibank denied me on XXXX/XXXX/17 a Citibank business XXXX XXXX Advantage card. Application ID : XXXX. The denial was based upon religion. My credit score is very high. I would not mind if they gave me a card with low credit, but they outright denied.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX, XXXX, a subsidiary of IndyMac, fraudulently induced my late mother into executing a high-cost, predatory reverse mortgage transaction insured by XXXX after IndyMac was already ceased by the FDIC. 

The transaction declares that my mother received approximately $ XXXX, paid of an existing mortgage for approximately $ XXXX, demanded approximately $ XXXX in closing cost from my mother, and in return, she received a check for approximately {$200.00}! 

Since then, Financial Freedom and OneWest Bank have caused at least XXXX counterfeit instruments titled " assignment of mortgage '' to be recorded upon my mother 's title, the first of which falsely asserts that XXXX was the grantee, and resulted in the unlawful conversion and forging of a transferable record created without my mother 's knowledge, consent, or her electronic signature as required by federal laws ( XXXX and XXXX ). 

Upon checking the XXXX, I uncovered that XXXX, not Financial Freedom, OneWest, or CIT Bank, is declared the owner of the aforementioned unlawfully converted and forged eNote and corresponding paper note. To the contrary, OneWest as a Division of CIT Bank, not XXXX, is the foreclosure Plaintiff in an unlawful debt collection attempted commenced in the XXXX XXXX XXXX NJ as of XXXX XXXX using the aforementioned counterfeit documents and false statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Equifax. I have no idea what this is on my report nor is it showing and original creditor or collection agency to validate the debt with. 
Per FCRA rights this information must be reported in order to validate the Debt. 
With that being said this is misleading false reporting and it should be deleted immediately. 

The account number in question is showing as : XXXX. 

Below i have attached proof.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XX/XX/XXXXto my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help
Product: Checking or savings account

I am a XXXX year old widow, I was notified by People 's United Bank XXXX CT about four weeks ago that I had a matured CD and that if I took no action by XX/XX/XXXX that it would be sent to the State of NH. I had totally forgotten this CD, partially because I have not received any correspondence " forever '' - found out it was open XX/XX/XXXX as a 24 month CD with the XXXX XXXX ( defunk ) XXXX. I am not sure how long People 's has had the CD, it may have gone thru two or three other ( defunk ) banks? 
I live at my current address in XXXX, NH and have lived in XXXX my entire life ; providing change of address information to the XXXX, some four years ago. If People 's  had attempted " at all '' prior to this time, I am assure communication would have been made. 
On Saturday XX/XX/XXXX ; I and my brother in law XXXX XXXX XXXX ; who is typing this, is authorized to act on my behalf, went to the branch bank on XXXX XXXX, XXXX NH. 
We talked with XXXX, gave her the XX/XX/XXXX letter I received ; she was only able to supply very limited information. 
CD opened XX/XX/XXXX for {$21000.00} maturity XX/XX/XXXX and that " last year '' it earned XXXX {$95.00}! 
I asked what was it's value " today '' and she responded {$26000.00} I told her I wanted to close it out, she said would have to be by check. 
She prepared a check, and I do believe she had me sign a form. 
Put the check in an envelope and we left to deposit at XXXX XXXX. 
It was at that time XXXX XXXX saw the check was only for {$25000.00}! 
He called People 's XXXX asked why was ~ {$800.00} less than the amount she had said was today 's value, she said was Penalty for early withdrawal and that it is an amount established by the Bank and she had no control over it. Told her not satisfied, she offered no further assistance or to talk to a Bank Manager. Told her I would report to the NH Banking Commission, which led me to you. That has been the extent of working with People 's Bank, thinking best to turn this over to authorizing agency. 
I don't understand how this CD has been rolled over 6/7 times with no authorization by me. I don't know why there has been no letters/communication. I don't understand why there would be an {$800.00} penalty at this time, certainly would consider a ~ {$100.00} penalty. I have a copy of the XX/XX/XXXX letter and of the check, not sure if I will be successful in attaching. I do not know why you do not require my personal ( name etc ) information in order to properly address this issue. I have no objection.
Product: Credit reporting

Please be advised i have written XXXX letters to Experian asking them to delete accounts that are unverified. 
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. My understanding is, the FCRA requries them to have a copy of the original creditor documentation on file to verify that the information is mine and correct. In the results of thier first investigation and subsequent reinvestigations they stated in writing that they verified that the items are being reported correctly and that they will no longer investigate my accounts that I asked them to delete, if they are unverified. ( I listed what accounts they were. ) They have not provided me information who verified these accounts, they have not provided me a copy of ANY original documentation- ( a consumer contract with my signature on it ) as required unnder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

I have listed the accounts that I asked to get verified multiple times, in XXXX different letters, and they refuse to delete the accounts or provide me any method of verification, or my signature. I believe they are violating my Civil Rights! 
The accounts they refuse to remove are XXXX, and XXXX XXXX
Product: Credit card

Order a pair of leggings from ASHRO high end clothing company since XX/XX/XXXX ; I called the company to request an exchange for a smaller size. The Clerk did not put in a replacement for the item and she emailed me the return labels for the Item which I returned to the Company on XXXX XXXX XXXX To date I have not received the exchange which would be a XXXX ; or a credit to my account indicating that I paid for the item and it had been returned. everytime I call the company which I called today XXXX XXXX XXXX there is more confusion and I was told by this clerk that the previous clerk failed to indicate that I wanted a replacement of a smaller size. 

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Product: Credit reporting or other personal consumer reports

Anything on my credit report was either already settle and wasn't remove or fasely done in my name... 

XXXX XXXX of last year still trying to collect money from me which the account is closed. 

XXXX XXXX someone open fasely under my name XXXXXXXX XXXX XXXX someone stole packages and i gave proof.. XXXX XXXXXXXX XXXX XXXX, i provided them with a police report. Someone hacked my account XXXX
Product: Bank account or service

Several years ago we opened a savings account at Wells Fargo because we already had a business checking account there. We were surprised to learn that we would also have to open a checking account and credit cards. We did n't want this, but our savings account was contingent on agreeing to these services. Was it legal for the bank to make this mandatory if we wanted a savings account? The maintenance fees, etc. just ate away at our resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. Portfolio Recovery A Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Mortgage

XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to bring to your attention certain inaccuracies that are on my credit report These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX acct XXXX Please remove the addresses I dont live there or never did XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX kindly XXXX an immediate investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law.

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.

Thank you in advance for your immediate attention to this matter. 

I have attached the proof of identification and address
Product: Debt collection

I took out a cash loan with Ace Cash express and was making payments. I fell behind and the account went I to collections with a company called XXXX XXXX XXXX. I was able to make arrangements to pay off the debt. Currently at this point in time the debt has been paid off and account is in good standing. I have received a paid in full letter from both Ace Cash Express and XXXX XXXX XXXX stating my account is paid and in good standing. However, I am now being harassed by a company that is claiming yo be a law firm with name XXXX XXXX XXXX ( XXXX XXXX ). They are claiming that they are representing Ace Cash Express and they are suing me for the debt as well as court cost. They are also claiming some sort of bank fraud as well. Stating that when I recieved my loan I withdrew the money and closed the checking account. I have told this company multiple times that I have spoken to Ace Cash Express and XXXX XXXX XXXX and both companies are stating I am in good standing and they also gave me pay off letters. XXXX XXXX does not care, and when I ask them to send me proof of debt they get aggressive and tell me its already been sent and at this point they have completed everything they need to by law. At this point I believe this to be a scam because this debt is not on my credit report and everytime they say they are serving me or that they sent me paperwork it never comes. However the harrasment is getting frustrating and they use new tactics everytime and I get caught off gaurd and it's very stressfull. This company ( XXXX XXXX XXXX ) also has my personal info, such as social and address and are OK with just handing it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing an account that is wrong and have inaccurate information. 
and Transunion is ignoring my request of investigation.
Product: Credit reporting or other personal consumer reports

" After reviewing my latest consumer report, I identified the inclusion of bankruptcies that appear to be inaccurately reported. I am aware of a potential violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and furthermore, it appears that my personal information has been disseminated without my consent. 

Such actions are deemed unacceptable. I wish to assert that I am a victim of identity theft, and as such, there may be criminal and civil liability associated with these discrepancies. In the event that this complaint is not addressed in a satisfactory manner, I must emphasize my intent to pursue legal recourse against you. "
Product: Debt collection

XXXX XXXX still trying to defraud us by charging us for the bill we already paid in full, before we left XXXX, XXXX. We also returned all equipment provided for our TV services then. They continue to defraud us for no good cause, but, finagling and Gouging us unlawfully. We definitely do not owe XXXX nothing, after my wife and I went to XXXX store to turn-in equipment and paid the rest of our bill there. I also wanted to have them stop sending my bill to my daughter 's address, rather send them to me if so desire. My address : XXXX. XXXX XXXX XXXX, XXXX XXXX, otherwise, XXXX ought stop sending out unnecessary harassment defrauding bills were already paid. 

There Address : XXXX XXXX C/O Credit Protection Association XXXX. XXXX XXXX XXXX XXXX XXXX. It was sent to my daughter 's address, since we sold our home in XXXX, XXXX
Product: Credit card

I have had an XXXX XXXX card for years used as a membership card for Costco. Costco switched to Citibank for their membership. Citibank opened an unsolicited credit card in my name and sent it to me. The instructions said to activate it to authorize it. I chose not to activate it. A month lateer I got a bill from Citibank for the renewal of Costco. ' In order to settle with Citibank, first they asked to verify my personal information. After that, they said they could not cancel the card. I would have to go to Costco, and that I owed Citibank for the fee. I finally annoyed Citibank through XXXX and they decided they could cancel the card after all and reverse the charges. I want to know who gave them the personal info, Social Security, DOB etc. I never authorized this to Citibank. I want to know what actions I can take against Citibank and whomever gave them my information. I tried to resolve this through Costco, but they never responded.
Product: Credit reporting or other personal consumer reports

VICTIN OF IDENTITY THEFT AND ITEMS ARE REPORTING ON MY CREDIT FILE THAT SHOULD NOT BE AND ARE A DIRECT RESULT OF FRAUD.
Product: Debt collection

the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Product: Debt collection

I am getting repeated emails from a debt collector in southern California who claims that I owe nearly {$600.00} dollars for a electronic traffic violation in XXXX XXXX two years ago. I have not left the country in over 10 years. I received the latest email at XXXX today, XX/XX/2021. I have received 3 of these so far. I have been sent to collections before, I have never seen an email trying to collect period, especially with just vivid writing and font, I called the number, there was a totally generic operator that answers and a very disgruntled, mean woman picked up the transfer. When her tone was too much to bear we had words and she told me off and hung up, which is suspicious in of itself. They go by the name of Cedar Business Services and they claim to be based in XXXX California, The also want me to contact them at email XXXX XXXX XXXX XXXX, another weird sign, trying to be more official.