23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and XXXX XXXX XXXX ( XXXX ). XXXX and XXXX added a collections account to my credit report on XX/XX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL onXX/XX/XXXX from XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. 

XXXX : XXXX I than received a call from XXXX, XXXX at XXXX and XXXX  XXXX who said he bought the XXXX XXXX and XXXX XXXX XXXX at least 2 yrs ago. XXXX said XXXX XXXXXXXX XXXX XXXX XXXX had closed down over 4 years ago. 

I called XXXX back and asked how a new account could be opened onXX/XX/XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XX/XX/XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at XXXX XXXX XXXX ( XXXX ) and I should call XXXX. 

I than called XXXX XXXX XXXX ( XXXX ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the XXXX customer service person this was not my address and she started to get very upset. 

I told XXXX this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. XXXX said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. 

I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. 

Im asking XXXX to remove this fraudulent collections account from my XXXX XXXX and XXXX credit reports because Im a victim of Identity Theft. 

Im including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

A collections account appeared on my credit report for {$940.00} with CREDIT SYSTEMS INTERNATIONAL. The original creditor is XXXX XXXX XXXX. This is a fraudulent account as a result of identity theft. I filed a dispute with XXXX who flagged the account.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a {$500.00} loan. So far I've paid XXXX. I went to their website and I almost fainted. Interest XXXX. I've emailed three times, no reply. Please advise.
Product: Mortgage

Letters have been sent to EverBanks attorney 's XXXX XXXX XXXX of XXXX XXXX, Maine. First letter was mailed onXX/XX/XXXX. Then on XX/XX/XXXX a follow up letter was faxed. No response from them. OnXX/XX/XXXX a letter was mailed to  EverBank ( Attn Client Services ) informing them that their attorney 's had failed to get back to XXXX XXXX. OnXX/XX/XXXX XXXX XXXX spoke to a client rep. from EverBank who denied that the Bank was aware that these letters existed. XXXX XXXX on XX/XX/XXXX faxed all five pages to EverBank. A confirmation letter came in the mailXX/XX/XXXX dated XX/XX/XXXX confirming that they had received the XX/XX/XXXX letter, proving that they had lied to XXXX XXXX. In the XX/XX/XXXX letter XXXX XXXX gave EverBank a deadline of XX/XX/XXXX to respond to his letters. EverBank has not responded back in the thirty day period which it was given which puts it in violation of Federal law. They do n't even get his name correct when they do.
Product: Credit reporting or other personal consumer reports

I got so many hot inquires most of those I do not recognize those
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account number XXXX. I have disputed this account previously. It was proven to not be my account. This account is reporting negative information about me monthly through Experian and XXXX. Which is inaccurate, unverifiable, invalid. It was last reported on Experian XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. It was last reported on XXXX XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. There can only be XXXX last reported date and one active date which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. XXXX has no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. Please remove this account from my report immediately. Thanks for your help with this matter.
Product: Credit reporting or other personal consumer reports

Credit inquiries that I did not authorize:

XXXX XXXX  XXXX/2023
XXXX XXXX XXXX. XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX2023
XXXX XXXX - XXXX/2023
XXXX XXXX  -  XXXX2023
XXXX XXXX XXXX. XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX XXXX XXXX -XXXX/2023
XXXX XXXX XXXX - XXXX2023
Product: Credit card or prepaid card

Checked credit report and found a card was opened fraudulent in my name and charged to. 

Called Genesis FS XXXX XXXX ( XXXX XXXX a XXXX XXXX XXXX ) and notified them. They in turn sent out documents to fill out and I sent back on XX/XX/XXXX. 

They in turn sent back a response on XX/XX/XXXX indicating my personal information was verified. The personal information was incorrect in the documents sent and I called the company several times to resolve with no response back. 

A police report was filed on XX/XX/XXXX with the PA State Police and sent back along with a letter on XX/XX/XXXX asking to re-open the investigation. Letter was faxed to XXXX and XXXX with no response.
Product: Credit reporting

I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts with XXXX that are parent plus loans were discharged in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX
Product: Money transfer, virtual currency, or money service

In the XXXX I did two transfer from global credit union to XXXX  and XXXXXXXX XXXX  its been over 3 business days still haven't showed and a other one onnthebXXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$2200.00}
Product: Checking or savings account

I had a transaction for a payment company XXXX XXXX XXXX for the amount {$50.00} dollar that came out of my checking account without having the funds available XX/XX/2019 and M & T bank keep charging me and my overdraft fee {$38.00} dollars the next day and I did not know that I was going to have the payment collected from my account and was not expecting this to happen and the same date this transaction occurred I move {$70.00} dollars to my other account. And I never had the funds available. And M & T does not want to be wave the fee
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights based on the FCRA laws. 

The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. 

It also states that a consumer reporting agency may only furnish a consumer report with my written instructions. I have provided no such written instructions. 

I believe this to be willful noncompliance at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a van through XXXX XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Product: Money transfer, virtual currency, or money service

My son is a prisoner at the Indiana department of corrections south bend re entry center. 
Someone hacked his account and moved funds in his account from his regular account and on to his phone and TV accounts. On XX/XX/XXXX they moved {$XXXX} total. 
The facility did an investigation and found the responsible party, this person has since been sent back to a different facility. XXXX has not refunded his money back to his regular account yet. 
They know it was transferred fraudulently but have not done anything about fixing the problem.
Product: Checking or savings account

When I pay my bills on XXXX, They don't post on my account until the following XXXX  or XXXX  the next week resulting in multiple overdraft fees even though the overdraft occurs on the same day. I am charged 2 to 3 overdraft fees " as if it were made over 2 to 3 days '' when it should only be 1. This has happened weekly since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX # XXXX This account was re-aged and needs to be deleted for violations because the other XXXX report the date last active it as XX/XX/2025 and you have changed the date to XX/XX/2025.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting

I have mixed files on my credit report. 
1 ) XXXX 2 ) Bankruptcy 3 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian XXXX of XXXX. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX XXXX XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
Product: Payday loan, title loan, or personal loan

I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a  representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.
Product: Consumer Loan

Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,
Product: Consumer Loan

I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.
Product: Mortgage

After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.
Product: Mortgage

XXXX at around XXXX or XXXX ( idk how my phone lists calls -- the time may show the beginning or end of the call ) I called & tried to pay my XXXX payment with XXXX different checking accounts to total my usual {$1300.00}. I spoke with a XXXX XXXXXXXX XXXX female who processed a {$1300.00} payment from XXXX of my accounts but then told me her system was glitching and showing the XXXX payment would come from the same account as the XXXX payment if she continued the transaction. The rep recommended I try to pay the next day via the website. I tried paying the next day but the website would only allow me to pay the full {$1300.00} mortgage payment. I called Flagstar as soon as I got the chance & asked for a supervisor/ someone in charge of adjusting payments after having been told by the rep that the whole {$1300.00} payment would only be applied as of the next day from that day ( the XXXX ) -- after the XXXX {$1300.00} was reversed. The supervisor ( XXXX XXXX ) XXXX at 1st repeated what the rep had said ; I advised XXXX that I would be contacting the FTC because it was not my fault her 1st agent could not process XXXX payments XX/XX/XXXX ; nor was it my fault their website would not allow me to. XXXX ended up saying she would make sure the whole {$1300.00} payment was applied as of XX/XX/XXXX rather than XXXX. Flagstar never adjusted my payment to reflect having been paid on XXXX. This transaction ended up costing me not only the XXXX days of interest more than what I would have paid ( & over XXXX hours of my time so far ), but increases the interest I pay going forward ( based off per diem & increased principal ). This is an unfair business practice that needs remedied. 
Thank you.