23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transunion LLC, located at XXXX. XXXX XXXX XXXX, PA XXXX has been receiving letters from me since XXXX of 2020 regarding an account, XXXX XXXX XXXX. I have submitted letters on my behalf asking them to " verify '' this account according to the FCRA rules and regulations. They have failed to do so each time. The response is always it has been " verified '', but they never disclose how. I have been compliant with whatever is asked of me from them ( submitting police reports for identity theft ) and still they fail to comply according to the rules and regulations, which states, that they, in fact must submit proof as to how they " verified '' this debt. The debt in question does not belong to me. I never resided at the residence that is charging me with the debt. Please review the attached documents from both me and Transunion. Upon review, you will determine that they are not providing any proof as to how they can prove this erroneous debt belongs to me. They need to be held accountable for being non-complaint.
Product: Mortgage

Our mortgage was with XXXX for several years. Payment was debited from our checking acct. never late on payments, never missed a payment.For unknown reasons XXXX XXXX XXXX sold a bunch of mortgages to Nation Star Mortgage Company located in XXXX. Prior to the mortgage being sold XXXX XXXX XXXX sent a letter stating there would be no change to our mortgage that the transfer would be transparent. From day XXXX we received numerous phone calls from Nation Star.When we returned their call they were not nice at all, stated our loan was in a bankruptcy. I tried to explain to him that the mortgage was not included, not on the list of debts in the bankruptcy not included in the discharge of debts. The man just kept repeating that the mortgage was included regardless. If that was the case it would have been listed in the court documents. The man made me feel like I was a dead beat.. I did file a chpt XXXX and only included debts incurred by my deceased wife.The mortgage was never included in the chpt XXXX bankruptcy..The bankruptcy was discharged in XX/XX/XXXX all the while payments were being taken out of my bank acct by XXXX.I tried repeatedly to explain this to the man at Nation Star he became belligerent. He told me to contact a lawyer that I was wrong.We have made our payments each month to Nation Star.Yet we have people driving by our home taking pictures and this all started when the mortgage was sold to Nation Star. I do not like the harrassing phone calls every month..we are making our payments and will continue to do so. When I googled Nation Star on the internet there are numerous complaints about this company, their tactics, they are failing to honor the mortgage agreements made with XXXX It is not right what they are doing to us. I have owned this home since XX/XX/XXXX, had it built and have no intentions of not making our payments. Plus we own another home that is mortgaged with another company and there is no problem with them, no phone calls nothing and all payment are made every month since XX/XX/XXXX, we have never missed a payment on either home. SO I do not understand the harrassment because we have a mortgage that was sold to them. XXXX XXXX XXXX never harrassed me, never called me every month.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XX/XX/XXXXassisting me due to XX/XX/XXXXdebt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XX/XX/XXXX of XX/XX/XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.
Product: Debt collection

XXXXXXXX XXXX  XXXX Reported to my account XX/XX/year> to collect a debt I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize. please remove this from my account immediately. I did not authorize this and this is fraud.
Product: Debt collection

This is a Complaint against Conn 's. I paid owed a little over XXXX on a charged off dept. I reached an agreement to pay {$53.00} for full and final settlement. I paid it and have a letter stating same. I have bank confirmation of payment and emails from the man I did the transaction with telling me he would take action to get the phone calls, text message and emails to stop. They have continued for 3 months even after I have asked several times for them to stop.
Product: Credit reporting

Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported debt to my credit report from XXXX XXXX that is not valid. XXXX XXXX sold my information to a third party after 14 years since I visited the business. Claiming I owe them money without producing any confirmation of this debt and have not contacted me in 14 years.
Product: Credit reporting or other personal consumer reports

these inquiries in my report are totally inappropriate pleses remove it XX/XX/XXXX Incorrect
Product: Mortgage

Mr Cooper purchase my Loan from XXXX XXXX in XXXX of XXXX. 

Back on or around XX/XX/XXXX, I received notice that My Escrow was short and my payments were going up from {$1200.00} a month, to {$1400.00} a month. My Insurance did go up {$400.00} and my Taxes did go up almost {$700.00}, Both annually, I also had a small shortage of {$420.00}. So my total escrow shortage for this upcoming year would have to be paid back ( Around {$1500.00} ), which is more than consumed by the {$2700.00} increase

in Escrow. I was the notified that my Escrow would increase again another {$70.00}, then again at another
{$300.00}. They are wanting to pull almost {$900.00} in Escrow a month. That's roughly {$10000.00} in Escrow for a tax and insurance bill of {$5500.00}. I am on fixed income due to a XXXX and I will lose my home. 

Every time I talk to them, I get rude customer service, disconnected, or get different sets of numbers, projections and payments. My Mortgage payments have changed from anywhere from $ XXXX {$2300.00} a month. They change their story every time. I have several spreadsheets from them that under value my Escrow on each sheet by hundreds. Which is throwing off the amounts. The reason that I am using " rough '' numbers, is because as I mentioned, they give me different numbers and excuses every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Product: Checking or savings account

I initiated 2 ACH outgoing transfers for {$50000.00} each. 
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! 
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX  and take XXXX  steps which were prevented by a family member. 

I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! 


What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. 

In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. 

And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.

AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of  never happened of they honored their duty to fulfill my ACH transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

Portfolio Recovery Debt Amount : {$550.00}
Product: Checking or savings account

XXXX XXXX  hits me with Overdraft fees, eventhough I have sufficient funds in my account. 
They show a transfer a funds from my Savings to cover pending transactions. But then money is in my checking. XXXX is fraudulently hitting me me with Overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered.

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA.

Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Checking or savings account

My tax refund was deposited to my venmo account. Then I tried to transfer it to my regular account and they instead froze my account. I called and emailed and they won't tell me why my account is suspended yet they accepted the direct deposit and my balance shows XXXX, but I can't spend it whatsoever. They gave zero answers.
Product: Mortgage

Thank you for the opportunity to submit this information. 

I applied for a loan refinance on Monday, XX/XX/XXXX. I applied with the following company XXXX XXXX. On the next day, since I hadnt heard back from them ( phone call or email ) I applied with XXXX  XXXX XXXX. 

1. XXXX  XXXX XXXX locked in a rate for me and subsequently asked for supporting documentation ; one of which was Provide detailed explanation of credit report inquiries, including documentation of the terms for any new debt incurred for the following inquiries : FACTUAL DATA, XXXX, XXXX. FACTUAL DATA, XXXX, XXXX. FCTUALDATA, XXXX, XXXX. Well I didnt know what this FACTUAL company was my credit report listed their information ( pasted below ) so I called at approx. XXXX on XX/XX/XXXX ; the representative immediately asked for my Social Security number so she could pull my information around a mortgage I applied to ; I stated that I would like her to provide a listing of the mortgage companies they are affiliated with ( who they pull information for I asked this so I could determine if it was XXXX XXXX that made the inquiry on my credit report ). 

The representative said she could use my name and last 4 of my social. I gave her my name but not my social and I told her that I would be submitting a complaint to CFPB and that I would get the information I needed from you all. She went on asking if I wanted to speak to management, I replied no I went on to say that her company ( which I didnt even know if it was real I never heard of it ) made an inquiry on my credit report and that she couldnt tell my why unless I provide my confidential sensitive information something is wrong ; they should have enclosed on the credit report that they ( Factual data ) were making the inquiry on behalf of XXX ( mortgage lender ) She then said she could get to the data if I gave her the exact date of inquiry, I told her one Credit Bureau had XX/XX/XXXX and the other had XX/XX/XXXX as the inquiry dates. She said OK she sees XX/XX/XXXX but she would need my full address I provided my city and state and when she wouldnt tell me who hired them to inquire ( pull my credit report ) I told her that I would be submitting a complaint. 

This seems so strange and unfounded and something should be done to prevent citizens from knowing who is inquiring on their credit report without divulging personal confidential information especially in this age of identity theft. 

Thankyou so much for your assistance. I look to hear back shortly.
Product: Debt collection

I was notified by job that a garnishment order was put in affect to start garnishing my XX/XX/XXXX paycheck. I contacted the collection agency who informed me that there was a credit card issued to me in XX/XX/XXXX. I ask for the credit card account number which they could n't provide to me all they had was a validation letter from a judge in Georgia. So I contacted that clerk office in Georgia who notified me that the account was closed XX/XX/XXXX for a court order to collect garnishment. I also ask them to provide me with the credit card account number and they were unable to. This collection agency has been garnishing my wages since XX/XX/XXXX. On XX/XX/XXXX I received a certificate of clerk dissolving writ of garnishment pursuant to section 77.041 ( 3 ), XXXX My job notified me that I will get all wages back on my next paycheck. I was treated so unfair with the collection agency I explained to them that I never had a credit card with XXXX XXXX are XXXX bank by the way the credit is for a XXXX XXXX my name is XXXX XXXX wrong spelling. Can please get advise on what steps I should take next to get this resolved with the collection who garnished my wages without any proof this credit card was in my name.
Product: Credit card or prepaid card

I pulled a credit report and see that there are 13 Affirm accounts opened and all are delinquent. I have tried to file a dispute with this company but it is all computer generated and it is not allowing me. When I logged online to Affirm I can see a XXXX XXXX address and a email address associated with the account. I filed a police report with our local police department as well. It appears the account was opened on XXXX, XXXX XXXX. 
XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$82.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$98.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$62.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX {$64.00}
Product: Debt collection

On XX/XX/XXXX Weltman, Weinberg , & Reis Co. LPA responded to my complaint by saying that any temporary agreement would not cease the legal process. I believe there were multiple unfair and deceptive issues in that claim. The first one being the representative I spoke to in XXXX said that $ XXXX was not an acceptable arrangement. If the arrangement was not meant to stop the legal process, why would there be a minimum dollar amount? I believe that the " Least Sophisticated Consumer '' would believe if there was a minimum dollar amount required for an arrangement, it would stop collection attempts while the arrangement is active. In addition, when I asked what would be an acceptable dollar amount, I was advised that it would be $ XXXX. After deep consideration of my finances, I agree to the dollar amount. Only after I agreed to pay the {$75.00} was I told that it wouldn't stop the legal process. Again, I believe that the " Least Sophisticated Consumer '' would believe that if I was provided a dollar amount for an arrangement, it would stop the legal process. 

This brings me to the last issue at hand, in the firms response on XX/XX/XXXX, I was encouraged to contact them to discuss a permanent agreement. On XX/XX/XXXX, I decided to take them up on that offer. I reached out to try to set up a payment arrangement to stop the legal process. I was advised the only way for that to happen would be to pay the account in full or settle the account in a lump sum. I believe that the " Least Sophisticated Consumer '' would believe that since payment arrangements were being discussed in the firms response, that the permanent arrangement would also payment arrangements.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX NY XXXX XX/XX/year>
Product: Debt collection

Receiving repeated calls each day. The following list is just a portion of the recent calls received. They call and leave blank voicemails. Clogging my Voicemails with blank space. 
XX/XX/19- XXXX XXXX  XX/XX/19 : XXXX XXXX XX/XX/19- XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19-XXXX XXXXXXXX   XX/XX/19-XXXX XXXX  XX/XX/19- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, there is a wrong address on my Equifax credit file. The address is : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. I have asked Equifax in the past to remove it. This address is still appearing on my credit file. This address belongs to a hotel of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am writing this complaint in regards to my credit report. This morning ( XX/XX/2021 ) I ran my credit report and saw that I was an Authorized user on an account with a high balance. The Balance on this account was {$9400.00}. However, the only card I am authorized on is under XXXX XXXX and has no Balance on his account. The card that I am authorized on is XXXX whose primary holder is XXXX XXXX and currently has no balance. I was contacting you in order to figure out why the balance on my credit report is {$9400.00} when my father doesn't have a balance. Or if I was authorized under someones account without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX giving me a delinquent status on all XXXX credit reports, when it shows on Experian that my payment was made in XXXX from XXXX to XXXX all checks marks on the credit report. On XX/XX/XXXX I gave XXXX XXXX XXXX dollars but instead of them applying them monthly they took my money and applied it towards principal and nothing on interest at all I have given you complaints for the longest but my XXXX Act/Title II Civil Rights are being violated especially when I live in Florida which is a disaster state, also falsifying and not applying my payments monthly after giving them XXXX dollars which is not right. The sad part about this is that Experian and other credit bureaus are not trying to listen to me knowing XXXX XXXX is in violation, and I have evidence to show what I paid. According to 15 USC 1681 and FCRA is being violated and I want to be compensated due to XXXX XXXX trying to make me look bad on my credit report which brought my score down tremendously after speaking to them about my money, and still, no action taken please investigate there records and file charges against them. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name appears with the suffix XXXX on both XXXX and my Equifax credit report. My legal name does not include the suffix XXXX  They failed to change this error inmy credit report even after I provided them with documentation in the form of my driver 's license and social security card. This is the second time I've asked them to fix this mistake.