23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A person named XXXX called stating he was from Wakefield and Associates. He said I had {$150.00} in medical debt from XXXXXXXX XXXX XXXX XXXX XXXX. I told him I would call XXXX myself to discuss it and he began speaking quicker saying it was already in collections and I needed to pay it today. I called XXXX and they said Wakefield Associates is not one of their debt collectors and that I have no debt in collections.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and these items were fraudulently created without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete these accounts and inquiries from my credit report. 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Debt collection

This has happened before with this " debt '', XXXX XXXX XXXX ( ambulance company ) has sold the debt to collection agencies - supposedly - which has already been paid in full by the worker 's comp plan. The worker 's comp plan tried to avoid paying the charges, but they are liable and I have written statements from them that they have paid off the debt. Subsequently, collectors allegedly acting on the behalf of XXXX then call me and claim the debt is still owed. It's clearly a scam due to XXXX being negligent in their care with personal information. The latest offender involved is " Credence RSRC '', the dead giveaway being collectors based in XXXX who have no personal information, no customer service skills ( aggressive, unrealistically pushy demeanor ), and a refusal to verify the debt ( ILLEGAL ). Use of robo calling - calls from numbers XXXX, XXXX - to appear local and legitimate. I've confirmed that this charge doesn't exist - certainly not on my credit report after nearly 5 years since the actual charge was created, clearly this is fraud and not a real collection attempt. Cheers!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible : XXXX  XXXX Account # XXXX XXXX {$950.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$92.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$140.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$54.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$80.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$240.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$260.00} ( XX/XX/XXXX ) ; XXXX XXXX Account # XXXX XXXX {$310.00} ( XX/XX/XXXX ) ; XXXX  XXXX Account # XXXX XXXX {$240.00} ( XX/XX/XXXX ) ; XXXX XXXX Account # XXXX XXXX {$1500.00} ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service. 
The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry. 

++ NO REPORTING ON THE BELOW ++ ++WITH OUT MY CONSENT ++ Opening or using bank accounts ( including bounced checks or overdrafts ) Apartment rental payments Car insurance claims Homeowners and renters insurance claims Employment Medical records or payments ++ DO NOT SHARE ++
Product: Credit reporting or other personal consumer reports

There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of XXXX XXXX XXXX. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

To whom it XXXX concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for not properly investigating the disputes of fraud on my credit report. I have been requesting an investigation and the removal of the fraudulent XXXX XXXX XXXX account from my credit report for over a year. They consistently respond within XXXX hours saying the account is accurate, without providing any proof of investigation. Even when I request it. 
I have provided the requested " additional documents proving my identity '' SEVERAL times. I have sent ID cards, my social security card, bank statements, the title to my car, my military CAC card, credit card statements, utility bills, police report, identity theft reports, etc. It is clear they have not taken the time to investigate this fraud.

I have filed disputes and sent them information atleast 10 times in the year and a half. 
I provided them with police reports and even had XXXX do an independent investigation and they found that the account was fraud and could not be verified. 
They could not have properly investigated and they violated my consumer rights by not blocking this identity theft from my credit report when I requested it over a year ago. 
Please see attached documents from the past several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was compromised in the Equifax security breach. There is a delay in enrolling in their Trusted ID  program and I am concerned about fraud. It was unfair that Equifax did not disclose the breach to consumers prior as over a month has passed, and we should have been notified earlier so that we could monitor our accounts ASAP. I am unsatisfied with the breach notification by Equifax. I am unsatisfied that Equifax had insufficient security, such that the breach occurred. 

I also think it was unconscionable that Equifax did n't clarify the class action waiver piece earlier. There was a lot of info swirling around social media that checking whether your security was compromised/enrolling in Equifax ID protection required a waiver. It is now addressed on the Equifax site but I think Equifax should have communicated better overall.
Product: Debt collection

This account XXXX XXXX  is incorrect. I sent a debt validation letter and tried disputing to credit agency and they couldnt provide validation of the debt and verify me with proof they assume I owe. You can not furnishes information knowingly inaccurate by law under 15USC 1681. You must maximum accuracy and this is completely in violation. This in fact, is identity theft upon me, which violates my rights. I never gave written instructions to do so, which the law states. This is hurting me to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account number XXXX has been reported as a victim of fraud. attached is a copy of my credit report rcra 605B proof of identity and FTC Report Number : XXXX you are legally required to block/ delete these accounts within 4 days of recieveing this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is clearly a violation of my rights and I wanted these items to be removed on my report.
Product: Credit card or prepaid card

I was sent a Credit Card I didnt want and never activated. I dont recall ever applying for it either. Nevertheless, I have received a bill from them for {$75.00} annual fee charge. When I called them they basically said they didnt believe me and that unless I could provide evidence. How do I do that? What evidence is there that I could send them? This is the information for them : Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Product: Debt collection

I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported 9 hard inquiries on my report in XXXX and it is Not true ... now XXXX XXXX has dropped my score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX these hard inquiries have violated my rights. 

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 a account without my written instructions.
Product: Debt collection

On XX/XX/2018, I reviewed my credit report and noticed a new collection account on my report. I contacted the company, Credence  Resource Mgmt, that was listed as the company that placed the collection on my credit report. I called the company, asked about the account they placed in collection, and they referred to an account that was over 7 years old and has already been removed from my credit report, but this company reported  it as a new debt. The company does not even own this so called debt and said they are collecting the debt on behalf of XXXX XXXX XXXX for wireless services.
Product: Mortgage

On XX/XX/XXXX, I paid a mortgage payment for the XXXX payment at a Wells Fargo Bank. Branch # XXXX, Transaction number XXXX XXXX at XXXXXXXX XXXX PST. I have a physical copy of the receipt. 2 checks were made for the payment : 1st check ( Wells Fargo Check # XXXX - amount {$800.00}. 2nd Check ( XXXX XXXX XXXX XXXX # XXXX - amount {$900.00}. Total Amount paid was {$1700.00} which was the amount due. 

Wells Fargo did not apply the amount. I called Wells Fargo on XX/XX/XXXX, XXXX XXXX  PST and spoke to XXXX who opened a work order to track the checks. The order number was XXXX. 

As of XX/XX/XXXX, my loan is still showing as late because Wells Fargo applied two {$800.00} payment which was no accurate. I made 1 transaction with two checks and the 2nd check should be the amount of {$900.00}. 

I called Wells Fargo again today at XX/XX/XXXX at XXXX XXXX  PST and was transferred to XXXX in Escalation. She was unable to track the missing transaction and is asking me to produce evidence of the check. 

I had paid my mortgage on time and due to the mishandling of Wells Fargo, I am now spending hours trying to resolve this to their satisfaction and making me jumping through the hoops to produce evidence. This is not how consumer should be treated.
Product: Payday loan, title loan, personal loan, or advance loan

I frequently apply for loans from multiple loan departments. I have paid off multiple loans. This specific loan that I applied for has been troubling for a long time. I have made several payments towards the pay off only to have the amount due not change for several months. They told me that I need to pay more each due date to see the amount due drop. It has not happened since then. I've taken several screen shots over the months to obtain proof that all my payments have not been paying off the loan. I feel like they're a fraudulent site and have been taking my money for a long time now.
Product: Debt collection

from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.
Product: Credit card or prepaid card

Wells Fargo Bank NA - XXXX 'XXXX XXXX Credit card I set up automatic payments far above the minimum payment due. These payments would coincide with my pay cycle and thus make the payments earlier and earlier each month. 
Two key parts of this complaint are a. Wells Fargo increases the minimum payment due each month despite the overall balance becoming significantly less. I speculate that once they detect an automated payment source with a consistent amount, they make the new minimum payment slightly higher than the set amount. Example ( current Balance due + {$430.00} ( minimum Payment due + {$100.00} ). My automatic payment is {$100.00}. Now, because of the {$9.00} difference, they can charge a late fee and potentially report a credit delinquency. When this was set up, the balance was $ XXXX AND THE MINIMUM PAYMENT WAS {$40.00}. 
B. ) Wells Fargo applies payments made early to a prior months ' balance instead of paying forward as the next payment due. This too creates an opportunity for them to charge a late fee, when in actuality the payment was 3+weeks early.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, has violated my rights.

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 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.
Product: Credit reporting or other personal consumer reports

My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!
Product: Mortgage

Sometime in XXXX there was an " Total Advance '' {$470.00} fee added and no matter what I do I am always overdue and late because of it. I do n't even know what the advance is for. I have made payments all year missed one in XXXX but paid 2 in XX/XX/XXXX and 2 in XXXX. I have no idea why I owe {$1800.00} and have late fee 's every month. They always send a statement saying that they have a right to foreclose on me, and my credit is messed up so I can not remortgage. I did file banckruptcy at one time but continued to make my monthly payments. I also paid my escrow shortage but it still shows I have a shortage on my statement. When I call to talk to someone they take forever to get me to the right person and I work myself during the day and do not have time to wait over 40 minutes. I have sent emails but they always say I have to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made large payments to two of my XXXX XXXX XXXX. I paid off one of them and paid half of the balance of the other. As soon as I paid off the card or paid a large amount, they lowered my credit limit. I DO NOT need more credit ; however, them doing so has led to negative reporting on my credit report. XXXX indicated that they do NOT report to credit agencies but that Experian gathers the information and reports for them. If they do NOT report, how do the agencies such as Experian get my information? They said I may have been late on a payment during the last 48 months - 4 Years. When they lower my credit limit, they lower my credit score. This is the ONLY credit card company I have ever used that did this to me. Again, I do NOT want more credit, I want the negative reporting removed. My card ending XXXX has NO balance and has been paid off a number of times. I have paid MORE than the minimum payment on the card ending XXXX for a long time ; in fact, the last payment was {$6500.00}. This is unscrupulous and dishonest. Please see the attached letters where chase indicates that they did not report my cards as being delinquent. How else would it show up on a credit report, then?? The fact that XXXX can hurt people like this is wrong. NOT ONCE was I late or failed to pay a statement during Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, someone fraudulently opened a credit card account in my name, using my social security number, at Avant LLC / webbank. I was alerted of a hard pull on my credit file by a credit monitoring service and contacted Avant that same day to report the fraud. On the telephone with an Avant representative, I was assured that the account would be frozen or closed ; however, on XX/XX/2022, I received an email notice from Avant that the fraudulent account had been approved and a credit card had been issued to the person ( s ) that fraudulently used my information to open the account. I have since frozen my credit report at all three of the major credit bureaus and I have engaged the services of XXXX XXXX to monitor my identity. However, I would like this account closed and the associated credit check removed from my records. 

In addition to the notification that Avant opened the fraudulent account, they shifted the burden of proving that the account was fraudulent to me and required that I submit to them an affidavit attesting to the identity theft. I provided this affidavit and the associated XXXX complaint to Avant on XX/XX/2022. Avant has not responded to multiple inquiries that I have made in connection with this matter ; to my knowledge, the account remains open ; the fraudulent hard pull remains on my XXXX report. 

I have already spent a fair amount of time and money on this matter ( including the subscription to XXXX XXXX ), and would like to know that the account has been closed and that I will not be liable for any charges that Avant approved on that account -- again, an account that I informed them had been fraudulently opened the SAME DAY that it was opened. More than a month later, I have heard nothing from Avant, and nothing appears to have been done.