23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XXXX XX/XX/year>, Someone called my home from Spring Oaks capitol. The person didnt give there name but asked me for my personal information. I dont give birthday dates or addresses to NOBODY Period! All the scammers that are getting peoples birthday and address using to fraud people no way. My phone number is unlisted private just changed my number and getting calls again from Spring Oaks capitol. Let them know that my last name is XXXX XXXX XXXX XXXX so stop calling me about some one named XXXX! Never heard of that before I had to get a Lawyer about 9 years again about fraudulent claims in my name.
Product: Mortgage

We refinanced our mortgage with our lender, Freedom Mortgage, on XXXX/XXXX/15. For the convenience of the settlement agent, the closing was held at the XXXX in XXXX, CT. We were given only a copy of the HUD-1 ; we have no other documents, including the mortgage or note. XX/XX/XXXX, I contacted VP XXXX XXXX, who expressed surprise that copies of all documents were not given to us at closing ; he promised that we would receive the documents. To date, we have not received any documents.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i found a few accounts that i don't recognize and student loans and ive never been to school my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

OnXX/XX/2024 a collection agency named ASHERCOLLECTIONSERVICES was posted to my credit report and demanded an amount of {$1100.00} to be paid directly to them immediately. 
HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred a {$500.00} deposit to my bank account from the XXXX XXXX XXXX company ( Cashapp ) that was supposed to be sent to my Bank account and I never received the money. 
- Transaction Date : sent on XX/XX/XXXX - transaction completed on XX/XX/XXXX - Transaction Amount : {$500.00} - The deposit was rerouted to someone elses debit card that hacked my account. ( I still have the email that shows that a card was added that was not mine ) In the email I received from cashapp it was addressed to XXXX XXXX XXXX, I have no idea who that is. I never received my deposit and its been almost a year now. I also sent the agents all of this proof and information. 
- Date I first submitted the dispute : XX/XX/XXXX as well as almost everyday after for around XXXX weeks I tried to get help from customer service multiple times over a couple of weeks and I never got help or the funds back.
Product: Debt collection

I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at XXXX XXXX XXXX call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that Pay Pal paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that PayPal sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a PayPal reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a PayPal account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several accounts that do not belong to me. I sent formal requests to the credit bureaus seeking detailed information about these accounts, as outlined in the attached letters. However, despite waiting for a response, I did not receive the requested information from the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

So to begin, I noticed I was having issues with my internet service. My signal kept disconnecting and my bill kept rising. It was becoming out of control. Still I had no idea what was to happen next. After the incident with my internet my devices in my home would go in and out, showing signs of high jacking, from freezing out of nowhere to completely moving slow, or no connection at all. Next, I felt like I was being watched and the only thing in my house that someone could gain access to like that is my security system which is placed in different areas of the house, soon after that I would try to apply for a new phone or a car and got denied. They let me know I had too many hard inquiries, my credit was shot, and I always had services but didnt pay. I denied against these allegations but I had no proof. The last straw to let me know something was wrong, was XXXX day I was just minding my business and I kept getting constant scam, telemarketing, and dropped calls. I immediately knew in that moment I was a victim of identity theft. I had money missing and stolen from inheritance to my taxes. Even my old jobs income wasnt matching with my pay stubs. Im devastated at this point. I cant get any loans to even try to build myself back up. No phone, and not even a car. Im just out of options.
Product: Consumer Loan

My vehicle lease and auto loan are paid in full but still appear in my credit report. 
I leased my vehicle and after 3 years i decided purchase the vehicle. 
I own the vehicle because i paid in full all the debt. 
On my credit report appear like two different vehicles and still debt balance to pay. 
I need this balance being updated.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC AddressXXXX XXXX XXXX XXXX XXXXXXXXXXXX, SC XXXX Account number : NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Dear ( LVNV FUNDING LLC ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
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 XXXXXXXX Acct # 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 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, credit repair services, or other personal consumer reports

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender l.
Product: Credit reporting or other personal consumer reports

I received a notice that my Experian password was changed ; I did not do this. Now I can not get into my account or get anyone to speak with on the phone in their automated system. 

I emailed Experian but have not yet heard back. I keep my credit frozen due to a number of breaches that exposed my SSN. I am very concerned that a hacker un-froze my credit or used it. My phone number and other security questions no longer help. 

I am mainly frustrated that Experian seems to have no working customer service line to help with issues such as this.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX XXXX loan ( Account # XXXX  ) on my credit report based on the following legal grounds. I am requesting the immediate removal of this account due to significant inaccuracies and violations of federal consumer protection laws, as outlined below. 
XXXX. Violation of FCRA Accuracy Requirements 15 USC 1681e ( b ) Under 15 USC 1681e ( b ), Equifax is required to maintain the accuracy of the information included in my credit report. The past-due balance for the XXXX XXXX XXXX XXXX is inconsistent between your report and XXXX report. 
Equifax reports a past-due balance of {$16000.00}, while XXXX reports {$16000.00}. 
This discrepancy demonstrates that the information is inaccurate and unverifiable, and therefore, it must be corrected or deleted. 
XXXX. Improper Charge-Off Reporting Misleading and Unfair The account is listed as a charge-off, which represents canceled debt as defined under IRS Code Section 6050P . 
Canceled debt is treated as taxable income, typically reported on a Form 1099-C. If XXXX XXXX XXXX has charged off this debt, it can not be legally reported as an outstanding balance. 
Reporting the account in this manner violates the FCRAs accuracy and fairness standards under 15 USC 1681s-2 ( b ), which require furnishers to ensure reported data is neither misleading nor incorrect.

4. Failure to Provide Opt-Out Rights 15 USC 6802 ( GLBA ) Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX was legally required to : Notify me of their intention to share my personal financial information with third parties. 
Provide a clear and conspicuous opportunity for me to opt out of such information sharing. 
To date, I have received no such notice. As this reporting is unauthorized, it must be removed from my credit report immediately. 

Requested Resolution I am requesting the following actions : Immediate Removal of the Account : Due to inaccuracies, unverifiability, and legal violations.

Proof of Verification ( if the account is not removed ) : Provide detailed documentation reconciling the balance discrepancy across bureaus.

Submit evidence that no tax cancellation ( Form 1099-C ) has occurred for this debt. 
Provide a record of my opt-out notice under the Gramm-Leach-Bliley Act.

Failure to comply with these requests will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Legal Summary of Violations 15 USC 1681e ( b ) : Reporting of inaccurate past-due balances.

15 USC 1681i ( a ) ( 5 ) : Inability to verify disputed information within the legally mandated 30-day window.

15 USC 1681s-2 ( b ) : Misleading charge-off reporting.

15 USC 6802 ( GLBA ) : Failure to provide opt-out notifications.

Thank you for your immediate attention to this matter. I expect your response and resolution within the 30-day statutory window, as required by federal law.
Product: Debt collection

I owe {$7900.00} to XXXX XXXX. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. XXXX XXXX company contacted an attorney who filed a lawsuit. The, attorney, Peroutka, Miller, Klima & Peters, P.A., operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted XXXX XXXX and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a XXXX XXXX Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same XXXX XXXX Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.
Product: Mortgage

I got the loan in early XXXX with XXXX XXXX. They sold the loan on XXXX XXXX  XXXX to Flagstar bank. ( Flagstar will claim it was XXXX XXXX XXXX but I have documentation showing it was the XXXX. ) We were out of town until after the loan was closed, when we returned we were moving. From what I understood, we had 60 days leeway until we had to make a payment. I wasn't in a position to make a payment because of coming back and trying to move into the new house so I was planning on using some of that 60 days. 

Today is 26 days after flagstar purchased. I've received a notice from flagstar saying my account is overdue and has been forwarded to collections. I set up my online account and logged on. The site shows I can not make an online payment because the account is in collections. When I call, I'm told I have to make a phone payment with their collections agency instead of a normal payment because my payment is past due. 

According to your website my account can not be considered past due : 1024.33 part 33c paragraph 1 : " Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My family was looking to move earlier in the year so we contacted a family friend realtor and mortgage agent to start the process. When my mortgage agent tried to pull my credit report he found that Equifax had the wrong name. They had my middle and last name not my first middle and last. He advised me to contact them and dispute it and that it should be an easy fix so I did. Within a week I got a letter stating they could not process because of insufficient information. This was XX/XX/2019. So I called their XXXX number to see why. The person I talked to said that I worded it wrong and gave me word for word on how to submit/write my dispute letter. I made the changes and sent in 3 different types of identification and I heard nothing for weeks. The revised letter was faxed on XX/XX/2019. I called a week later to confirm they got my dispute letter and documents and they said they did and it will be reviewed and processed and I will get a letter within 30 days. 30 days go by and nothing. So I call again wanting an update on my dispute and why I have not received anything. After being asked a dozen or so security questions they said based on the verbal information I have given then that they could possibly ID me that I am who I am and would not disclose any information on my dispute. This happened four more times after this first incident. Now were on the sixth or seventh time now Im calling. I directly as for a manager or supervisor. I go through the same security questions and she tells me the same thing that I did give accurate answers to my security questions. I raise my voice and tell her its nonsense Ive given you my full name, address, social security number, birth date, mortgage company, mortgage payment, any open lines of credit and they still cant help me. I get put on hold, 10 minutes go by and she returns to the phone. Finds all the documents with my dispute letter and says it been processed but I would have to wait for a letter in the mail within 30 days to verify its been completed. They even gave me a confirmation number ( XXXX ). 30 days go by ... nothing. That was this past Friday XX/XX/2019. So I call yesterday morning XX/XX/19 and speak with another supervisor who says shes sorry but it was never processed even after they gave me a confirmation number. She says the department that handles this conflict is not open and couldnt give their direct lie to contact them because its against company policy to disclose that information. 
Moving is very important to my family and Ive tried and tried to handle this but I just dont have the time to sit on the phone for an hour everytime and keep having the same discussion with the people that cant help me. I need help because no matter how persistent I am about this I get no where. Please advise me on the on going issue. I keep being led that someone at Equifax is doing their job but obviously not. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have request a investigation of XXXX XXXX XXXX account on my XXXX report. The charge -off of an obligation with XXXX XXXX XXXX XXXX incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Checking or savings account

XX/XX/XXXX XXXX $ Transfer to XXXX XXXX XX/XX/XXXX XXXX $ Transfer to XXXXXXXX XXXX  XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ Transfer to Chime savings XX/XX/XXXX XXXX $ Transfer to XXXX XXXX 

I have reached out to chime multiple times to dispute these transactions that were made on to the account without my consent and they keep denying the disputes that need to be made. Someone opened up a credit builder card in my name without any authorization, started withdrawing funds from my XXXX XXXX XXXX account, transferred funds from there to the XXXX XXXX card. I made a police report about these fraudulent charges that were made on to the account, they are still denying my request to make the disputes. Chime is now saying that my account is negative because of the fraudulent activity that happened with the account. They have not been helpful at all whatsoever with what happened to me, are not taking my side like any bank should. I hope this situation is resolved soon so I dont have to keep worrying about the money they owe me, negative balance on the account.
Product: Credit reporting

I have called TransUnion to correct my personal credit file, I called customer service and stated that they have incorrect address that is on my credit report and as well a company I never worked for that I want removed.
Product: Credit card

XXXX PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.
Product: Debt collection

LVNV Funding LLC Account # XXXX and Account # XXXX LVNVFUNDING LLC has collected exempt funds and is attempting to collect exempt funds. One of the accounts was dismissed in Iowa courts for failure to provide verifier able evidence. LVNVFUNDING LLC needs to be investigated for unfair and deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.