23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX-After multiple disputes to have the inaccurate information furnished by XXXX XXXX XXXX XXXXXXXX, removed from my consumer credit reports, I personally called the company at the number provided on the consumer report ; XXXX at approximately XXXX, I spoke with associate XXXX, who i informed that i do not assume responsibility for the alleged debt and have contacted the office only to pay for the deletion of the inaccurate information from my consumer credit report, as it has caused great XXXX, XXXX  and XXXX XXXX  to my XXXX children and myself. XXXX of XXXX XXXX XXXX informs consumer that they have forwarded consumers information to : The Law Offices of Bret Borland, an affiliate of XXXX XXXX XXXX that is now handling file # XXXX, and she ( XXXX ) provides telephone number XXXX to contact this office. Consumer placed call to The Law Offices of Bret Borland at approximated XXXX, and spoke with associate XXXX XXXX. After asking consumer questions to verify identity, associate informs consumer that there are XXXX accounts associated with the XXXX social security number which is assigned to consumer ; Acct # XXXX, Acct # XXXX. XXXX XXXX was made aware that the inaccurate information furnished by XXXX XXXX XXXX has harmed consumer and consumer 's family greatly, and that consumer does not acknowledge or assume responsibility of alleged debt, but willing to pay company immediately in return for immediate deletion of inaccurate accounts from all consumer credit files. XXXX XXXX informs consumer that there is an issue with the accounts, the Cease and Desist, and i would need to contact XXXX, XXXX XXXX, at email XXXX and give company permission to call and make constant contact, thus harassing consumer about inaccurate debt, before this office can discuss matters involving this inaccurate accounts with consumer.
Product: Mortgage

On XX/XX/XXXX XXXX and XXXX XXXX took out a loan with Secretary of Housing in Book 3153 page 758. The deed was assigned to Bankers Trust with Book 3135 page 758 as the legal document reference number. This belongs to someone else. The Sucessor Trustee was named XXXX and XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX XXXX Bank transfereed the trustee to XXXXXXXX XXXX XXXXXXXX. They still have this. Two Trustees can not hold the note to the property.
Product: Checking or savings account

On XX/XX/XXXX, I discovered a debit in my savings account at XXXX XXXX XXXX of XXXX dollars with the following description ( XXXX XXXX XXXX ). I have made multiple calls to the bank and I have requested an investigation for fraud, they do not solve the problem nor do they know where the debit comes from, I visited the bank of America branch and they mistreated me, they told me that the charge was authorized, to solve the problem with the other owners of the account. The collection was not authorized by any of the account owners, the bank simply took our money without authorization and they do not want to open an investigation for fraud.
Product: Student loan

I set up direct debit from my checking account on a recurring basis in an amount which exceeds the minimum payment. Since setting this up I have received notices that my payments are late or have not been made but that is not accurate because the money has been debited from my account. I have tried to get in contact with the servicer but my attempts have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, AVANTE USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the original claim i submitted to experian about the XXXX account on my report. I did not receive any verification from you that showed my consent, or any authorization with my signature. Please verify the validity of this account and furnish how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Collection Account by XXXX XXXX XXXX, dated XX/XX/XXXX, was placed on my Experian Credit Report. The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with XXXX XXXX XXXX XXXX XXXX, AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which is 8 years ago. The Date of First Delinquency, from the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX ), must have been RE-AGED in order to place this Collection Account on my Credit Report. RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency from the Original Creditor ( XXXX XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore this Collection Account is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I have requested the company to refund my money multiple times after I provided every single document that they asked for. They ignored my request and hold my money that remains in the account ( over $ XXXX ) This is regarding my checking account XXXX. 
I have added a new card and changed the address to make a transfer. Chime closed my account as flag of fraudulent. However, I have provided every type of documents per request, they still sent back the automatic response that they're unable to lift the hold and release my fund. 
I then request to close my account and receive my remaining balance... they completely ignore that request.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$130.00} Account Name : XXXX AT XXXX APTS Account Number : XXXX bal. {$4000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$210.00} Account Name : XXXX VILLAGE Account Number : XXXX bal. {$16000.00} Account Name : XXXX XXXX  Account Number : XXXX bal. {$2700.00} Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$170.00} Account Name : GREEN DOT BANK/CARDWOR Account Number : XXXX bal. {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$14000.00} Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$4100.00} Account XXXX : XXXX BANK Account XXXX : XXXX bal. {$120.00} Account XXXX : XXXX Account XXXX : XXXX bal. {$110.00} XXXXY XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I still have not received written confirmation of the actions that was mailed to Spring Oaks on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX Bank. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to Spring Oaks Capital whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back.
Product: Debt collection

Owed money from XX/XX/XXXX. XX/XX/XXXX we settled and I paid {$520.00} to have all the debt wiped. I received a call this morning trying to collect the money that we settled on. If I had forgotten about the settlement I may have paid it. Medicredit tried to collect money I don't owe. This is no different than a XXXX company trying to collect money I don't owe. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Debt collection

This company has been trying to contact me via text messages for about a week. I sent a message after the original message on XX/XX/XXXX to send me a letter. I recieved another message on XX/XX/XXXX to which I requested another letter and advised them to stop texting me. On XX/XX/XXXX I recieved another message and again told them to stop texting. This is the message I continue to recieve " This text is from ARS. XXXX XXXX we have a legally required notice in our office with your name and SSN # attached. We need to speak to you or your attorney regarding case # XXXX. Please text or call back XXXX to discuss your case. '' This company has not identified themselves as a debt collector either.
Product: Mortgage

I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???
Product: Debt collection

This debt collection company is already strong arming attempting to collect a debt for my deceased mother who has not even been in the ground for 60 days. They can be advised of the following : No known executor exists, no known liquid assets exist, I am not responsible for the debt of my deceased mother.
Product: Credit card or prepaid card

On XX/XX/2022, a redemption of {$790.00} was made to my checking account on file. To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my bills.
Product: Credit reporting or other personal consumer reports

I have dispute the account. I have not supplied proof under the doctrine of stopped by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged Debt nor therefore any such Debt in fact exists 15usc 1692g/15 use 1692c 15usc 6802 or15 usc 6801c
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/year> I received an email stating that my accounts would be closed for " failing to comply with the terms of your Deposit Account Agreement ''. I do not know what I did to be out of compliance. I called the help line to ask why my account was being closed, and they said they would not provide me any information, and that my account would not be eligible for a refund, even though the email states my savings account would be eligible for a refund. They hung up on me and ended the call without any reason given and no option to get my money back. The company stated the call was recorded, so we recorded it as well, satisfying the 2 party consent needed in XXXX  for recorded calls.
Product: Credit reporting or other personal consumer reports

i have gone back and forth with them about the false information they are reporting on my credit, then one will remove it while the other will keep reporting it. its false inquiries being reported on my credit report.
Product: Prepaid card

I bought an American Express gift card at XXXX and had it activated so I can purchase something on the XXXX online store. It allowed me to enter the card information, but when I tried to purchase what I wanted, it declined the card because the merchant couldn't authorize it. I tried the card again at a few different places and discovered I couldn't use it anywhere. So I wasted money on a {XXXX} gift card that doesn't even work and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : SALLIE MAE BANK XXXX  Account Number : XXXX Amount : {$6300.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6500.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$13000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$20000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6100.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$29000.00}
Product: Credit reporting or other personal consumer reports

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX  until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.
Product: Checking or savings account

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$11000.00}
Product: Mortgage

On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : XXXX ; 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 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions. 
15U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$130000.00}