23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would " verify the charges I was disputing and select a final course of action. '' At that time, my balance owing was {$270.00}, with the " amount due balance of {$170.00}. '' XXXX XXXX had taken over as XXXX 's credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake " balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated " Reporting Agencies '' to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the " XXXX '' rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services. 

Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was " sold '' to phantom collection agencies and took on a new life, all derogatory to me. 

Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you! 

Thank you.
Product: Debt collection

Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.
Product: Checking or savings account

I authorized {$1.00} to XXXX third party account but later {$99.00} was withdrawn from my checking account. Dont know how it happened
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, XXXX XXXX incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my credit score and misrepresenting my payment history. 

I have attempted to resolve this issue through Equifax, but their online dispute system has been unavailable despite multiple attempts. I am requesting that XXXX XXXX and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response within the legally required timeframe.
Product: Debt collection

I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
Product: Checking or savings account

Im a new customer at citibank so my acxount havent have money yet. I deposited a check of 2000 in on XX/XX/XXXX. On XX/XX/XXXX they closed my account, i couldnt go online, then i called, they said the check look counterfiet but yet on XX/XX/XXXX they withdraw money out of the issuier account. When i called them they asked me the phone number of the owner of the check to verify, but after all they couldnt verify it. I asked did they call they said they didnt call because the phone number wasnot under the issuer name but her husband name. Then they said nothing i can do but wait for 30-60 days for the account fully closed then they will refund the money. Now i called again, they said i have to verify the check for them to able to refund to the issuer of me. Today i talked to them again, they said i have to wait until XXXX for it to completely closed then the only choice is for the issuer to notery documents them come to citi bank and verify that she signed me the check or else the money will be hold by them forever. 
Its covid. Because my kids have to stay home for online class, i been home for a year. I have to sell stuffs to survire. This is my rent money. {$2000.00} is so much to me.
Product: Debt collection

On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations.
Product: Credit reporting or other personal consumer reports

LVNV funding is parking debt on my credit report. Started XXXX of 2024. Debt is invalid with LVNV funding llc. Failed to contact consumer. Contacting without permission. Original debt and contract was with XXXXXXXX XXXX XXXX XXXX Please have debt removed as it is has never been validated with above mentioned debt buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO VERIFY ALLEGED COLLECTION ACCOUNTS FOR 100 % ACCURACY. THE FOLLOWING ALLEGED ACCOUNTS IS REPORTED INACCURATELY. 

ACCOUNT # XXXX COLLECTION {$1000.00} ACCOUNT # XXXX MEDICAL COLLECTION {$110.00}
Product: Money transfers

I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016
Product: Mortgage

.Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. 
The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.
Product: Debt collection

There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this  account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from XXXX.
Product: Mortgage

Caliber Home Loans has repeatedly harassed me acting as a Federal agency that my lender approved to refinance my mortgage even though I have contacted on several occasions to stop their deceptive practice, but they continue to harrass me with mailings and phone calls. 

I want them to stop and desist with this arrogant behavior.
Product: Debt collection

well a company is trying to say i owe them a balance of XXXX from past due rent and property damage but they fail to provide evidence of the damages its just word of mouth
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Telephone number is ( XXXX ) XXXX. I tried to obtain financing through their 3rd party company, XXXX XXXX. While I was completing the application on the agent 's tablet, she had me complete an application through Synchrony Bank. I did NOT authorize them to run my credit for Synchrony Bank as I knew that I would not qualify, but also Synchrony Bank runs a hard inquiry. I received notification that Synchrony Bank ran a hard inquiry from XXXX. I tried to contact XXXX XXXX and they told me to call Synchrony Bank. Either way, I did NOT give authorization for this credit check inquiry to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items that are 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 XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 Balance : -, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXXXXXX Balance : {XXXX, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : XXXX, XXXX LA XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired onXXXX XXXX XXXX XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX, XXXX, XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXXnquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX AUTO XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCEPT XXXX. XXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Letter of Compliance - Failure to Follow XXXX XXXX Reporting Standards Dear, CFPB I am writing to bring to your attention the discrepancies and non-compliance with XXXX XXXX reporting standards regarding my XXXX XXXX  account. It has come to my attention that there are multiple violations in the reporting of this account, which I believe has resulted in inaccurate information being reflected on my credit report. 
According to the information provided in my credit report, the details of my XXXX XXXX account are as follows : Creditor : XXXX XXXX  Account Reported : XXXX. XXXX, XXXX Account Status : Closed Balance : {$36000.00} Account Type : Auto Responsibility : Individual Account Remarks : Charged off account Times XX/XX/XXXX days late : XX/XX/XXXX Upon careful review, I have identified five key areas in which XXXX XXXX has failed to adhere to the XXXX XXXX reporting standards : 1. Reporting of Payment History : The provided payment history table is incomplete and lacks the necessary information for each month. It fails to accurately reflect the payments made and the status of the account during specific periods, resulting in an inaccurate representation of my payment history. 
2. Payment Status Reporting : The current payment status and worst payment status of the account are both inaccurately reported as " Charge-off. '' However, I have never made any payments on this account, and it should be reflected accordingly.

3. Account Status : The account is reported as " Closed, '' but there is no indication of the date or circumstances surrounding the closure. It is essential that the closure details are accurately reported for transparency and clarity. 
4. Responsibility : The account is correctly reported as an individual account, which aligns with my responsibility for this debt. However, other information indicates an inaccurate payment history, suggesting a failure to properly attribute the responsibility of the account.

5. Lack of Additional Information : The report lacks crucial details, such as the highest balance, monthly payment, and exact terms of the loan, which are essential for a comprehensive understanding of the account. 
Based on the discrepancies outlined above, I kindly request that XXXX XXXX promptly rectify these issues and ensure compliance with the XXXX XXXX reporting standards. Additionally, I urge you to take immediate action to investigate and correct the inaccuracies in the reporting of my XXXX XXXX account. 
Please be aware that failure to comply with these standards and address the inaccuracies within a reasonable timeframe may result in further legal action to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and your prompt resolution. I expect to receive a written confirmation once the necessary corrections have been made to my credit report. 
I have attached proof of identification ( s ) as well down below in this letter. 
Thank you for your cooperation. I 100 % sign and pledge that I am the sole writer of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature
Product: Student loan

SHOWS OPEN AND LOAN WAS CONSOLIDATED AND PAID, SHOULD BE CLOSED, AT XXXX BALANCE ON EQUIFAX CREDIT REPORT
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter to XXXX requesting that they remove inaccurate address information that is being reported on my credit report. 

They responded via email that the information was verified and that it would not be removed. 

This information is not accurate and is in violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX  Card entry XX/XX/XXXX - XXXX Card XXXX  XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX  Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX  XXXX Missouri XXXX TX XXXX XXXX Quail XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX - XXXX date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX CXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress and does not reflect my true credit history or financial management. If this can not be resolved, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Debt collection

Checked my credit report and found Wakefield and associates had reported a negative account on my credit without contacting me this is the first time Ive heard from this company. Called them Tuesday to inquire about this and all they said is I owe XXXX for a emergency room visit I told them I thought my insurance paid the debt and they told it was on me to do the leg work about this debt also I thought it was improper use of my credit to post this without my consent
Product: Checking or savings account

On XX/XX/XXXX, Chase closed a checking account that I opened through their website a week or 2 earlier. I deposited {$410.00} in the account, and then I received a letter in the mail on XX/XX/XXXX, that Chase had decided to close my account. I have tried ever since that time to receive the {$410.00} that was in my account upon closing. Chase refuses to rush a check to me but instead states that I must open up an account to transfer the money into. But I was just denied the ability to hold an account with this bank. Otherwise, I will need to wait til XXXX XXXX, XXXX to hopefully receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Refuse to update my Credit file to XXXX XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX XXXX they stated we receive but will not update also World Finance will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
Product: Checking or savings account

On XX/XX/XXXX, it was XXXX transaction made in my chase account without any authorization. The transaction was made at XXXX in different locations for {$200.00}. Bank gave me the money back but today they have a charge in my Account for reversal claim.