23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Good Day, Ive made multiple attempts for weeks now to try and resolve this debt and XXXX in collections does not return voicemails. In addition her supervisor XXXX who is very unprofessional called my husband from his own personal cellphone threatening him. We have the call logs to prove. Your collections department has been by far the most disrespectful and unprofessional department Ive ever communicated with. I called again today so settle my debts due to experiencing a financial hardship and they are unable to settle for less than the full balance even though I received an email that expired on XXXX offering to settle for {$630.00}. We just want to settle this debt and move on but we dont trust or want to deal with anyone from your collections department. My husband has already taken the appropriate action to move forward against the threats form your office supervisor XXXX.
Product: Debt collection

I received an alert on my FICO app that a collection account was now reporting on my credit on XX/XX/20. The collection account is for Nelson Cruz and Associates in the amount of {$700.00}. According to my credit report, they first reported this account to the credit bureaus on XX/XX/20. I have received no correspondence regarding a debt owed and have no knowledge of this account. I attempted to inquire about the debt through the collectors website requesting to know when any correspondence may have been sent or any attempt to notify me of their attempt to collect a debt occurred. It is now XX/XX/20 and I have received no response. This account should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file. 

In the previous responses ( XXXX and XXXX ) the company did not provide me with the documents. The complaint XXXX was closed as a duplicate.
Product: Credit reporting or other personal consumer reports

I am inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my XXXX, Equifax, and XXXX consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the XXXX  credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following account be removed from my credit report : XXXX XXXX XXXX   Account # XXXX
Product: Debt collection

I lived at the XXXX at XXXX XXXX and lost my job at the time of living there. they advised that i can get out my lease and it will not hit my credit and that I had time to pay for the debt that was owed. They also advised that it will not show up on my credit at all and they will treat it as a move out. This happen in the year of 2022 as I also lost my father and had to pay for services. I did not receive anything that states that I owed them or that it was on my credit as a broken lease. I did not recieve no information from the credit collection company and they have not still reach out or I do not know who to reach out too.
Product: Mortgage

In XXXX, 2015 I was approached by the mortgage division of a bank about refinancing my mortgage. I was told that there would be absolutely no cost to me., which on paper seemed to be true. However the day before the closing I was informed by mail and by phone that because my previous mortgage holder had not not maintained the escrow account properly and the amount of the refinance would be {$3000.00} more than what I owed on my house. I had my suspicions that the refi was no longer at no cost, possibly an instance of bait and switch. I wish I had not proceeded with the refinance but I went ahead with it, as it was still going to save me what to me was a significant amount of money. 
Two or three weeks ago now I received notice from the lender that my escrow account was short of funds again in the amount of almost another {$1000.00}. This is going to raise my monthly payment by an amount almost equal to what I saved by refinancing. Now I am convinced that something is not right and perhaps fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX  has resolved the issues but XXXX and Experian still confusing our identity. 

I can not access XXXX because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers.  So when I input my information they take me to my brothers credit report. 

Experian has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however Experian has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in experian.com which is incorrect : Name XXXX A XXXX Also Known As XXXX XXXX XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time
Product: Checking or savings account

I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. 

Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money from me.
Product: Debt collection

On XX/XX/XXXX I logged into my banking app and saw that both my checking and savings  were wiped clean to a balance of XXXX in both. I contacted my bank and was provided a phone number that they said was from a NJ Court. This morning, XX/XX/XXXX I called the number ( which was a number of a court officer not a court ) and was told that my account was placed on a lien from a debt collector, Pressler, Feld and Warshaw for an unpaid bill. I contacted the firm to ascertain what bill as I have no outstanding bills. They indicated that I owed a debt to the XXXX XXXX XXXX which I do not. Instead of them providing me with information to validate that this was owed, I was told that I needed to supply them with information to prove I paid the date for a residence that I do not reside at and have not resided at for about 2  years. I asked to have this case vacated and I was told that I deeded to dispute the account by showing bill payment records. The document number provided to me shows no results and I am getting no assistance with this matter. I contacted the court and
Product: Checking or savings account

Bank of America ATM issue : I do all my personal banking with XXXX and have been banking with them for over XXXX  years. So you might understand how disappointed I am that a bank with no brick-and-mortar locations can not make BoA return my money. I'm XXXX this year, on a fixed income and with mounting medical costs and rising prices on everything else, {$180.00} is a lot of money to lose. 

On XX/XX/year>, I used the local Bank of America ATM on XXXX XXXX. in XXXX, MD, to withdraw cash to pay for some services at my house. I've used the same nearby ATM whenever I need to withdraw more than a few dollars. In this case it was {$200.00}. 

In my first attempt to get {$200.00}, I selected {$20.00} denominations but before I could input the the total amount I needed, whoosh! - out came a {$20.00} bill. Thinking I missed something in the transaction selected, I carefully re-entered the transaction requesting {$200.00}. 

But AGAIN?! 

The ATM simply spit out another {$20.00} bill and gave me a receipt showing {$200.00} was deducted including their foreign teller fee of {$3.00}. I'm sure I said bad words at the machine before going inside the bank to ask for help. The tall, attractive African-American woman woman said I'd have to go back and call the number on the machine which I immediately did. The recorded message advised that unless I was a BoA customer, I'd have to resolve this with my own bank. Called XXXX and filed a dispute that same morning. XXXX advanced {$180.00} to my account until the dispute was resolved, and then contacted Bank of America. 

Then on XX/XX/XXXX, more than XXXX month later my bank responded to say BoA claims there was no error, the machine was fine, so on the XXXX of this month {$180.00} would be deducted from my account. I railed against this and XXXX said they'd ask for details. BoA then sent a copy of the same receipt I have along with documents containing data I don't understand. BoA took my money and didn't bother to view the video to see me looking cross! Or maybe they did, but they just don't care. Can someone review the documents and explain to me where it shows exactly {$200.00} was dispensed? Maybe someone after me got a cool {$180.00} ... but it wasn't me. I need my money.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for XXXX business XXXX XXXX since XXXX XXXX. My Paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification, I attached my valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection is reporting on my credit report as charged-off ( SYNCB/XXXX ) and XXXX XXXX XXXX. I have called the company several times to resolve this said balance of charge off. The company has sold this debt to another company trying to make me pay for debt with an outside source, but they are holding the account. Both companies are trying to collect on a debt that neither has verified that I owe. I have submitted this dispute to the Credit Bureaus to ask for validation of the debt owed and have yet to respond. This is causing me financial distress as I'm not able to resolve this matter. The credit bureaus are not followingthe law to demand proof of debt owed. 



Account Info Account Name SYNCB/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$950.00} Highest Balance {$1300.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX/ XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accountXXXX from my credit report. 



Account need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

Equifax continued to report an unauthorized account on my credit file despite multiple disputes, violating my rights under the Fair Credit Reporting Act. On XX/XX/XXXX, I disputed this accountXXXX XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX ) with all three major credit bureaus. Both XXXX and XXXX removed the account, acknowledging the issue, yet Equifax has failed to do the same. This is disappointing because Equifax is required by law to ensure maximum possible accuracy in reporting, yet it continues to report incorrect information. This account is being reported without my authorization, which violates 15 U.S.C. 1681b ( 2 ) ( Permissible Purpose ). Equifax is also failing to follow 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure that the information they report is correct. On top of that, despite my disputes, Equifax has not properly investigated this matter as required under 15 U.S.C. 1681i ( a ). THE FACT THAT THE OTHER CREDIT BUREAUS FIXED THIS ISSUE, BUT EQUIFAX HAS NOT, shows a failure to follow federal law, and thats not okay. I have tried multiple times to resolve this directly, but Equifax keeps ignoring my requests. If Equifax does not correct this issue, I will have no choice but to take legal action to protect my rights. I would rather resolve this the easy way, but if necessary, I will escalate the matter to the appropriate authorities. I hope Equifax will do the right thing and fix this mistake as soon as possible.
Product: Debt collection

I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Collection that is not mines I would like deleted as well XXXX Opened XX/XX/XXXX {$130.00} Please delete immediately My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Debt collection

This credit collection company has called my employer regarding my debt. I asked them to stop. They also call my cell phone every 2-3 days since XXXX of XXXX, maybe prior to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX  XXXX  - XXXX - This is not my account - {$330.00} XXXX  XXXX XXXX - This is not my account - {$1900.00}
Product: Checking or savings account

I keep getting a denial of can't verify identity. However, no one tells me what documents to submit in order to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry:XXXX ; XXXX XXXXXXXX XXXX  Date of inquiryXXXX ; XXXX XXXX XXXX of inquiryXXXX XXXX XXXX  XXXX Date of inquiryXXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry:07/08/2021 UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.