23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 U.S.C. 1692c ( a ) ( 1 ) of the FDCPA. A representative from your company called me after XXXXXXXX  stating I owed a debt. I informed her this was an inconvenient time and after hours for me. She then proceeded to harass me and tell me it was only after XXXXXXXX  which was very profane. My kids are in bed at that time and my infant was breastfeeding. I then demanded to be placed on the Do Not Call list. The following day your agent called me again from the number XXXX violating 15 USC 1692 d ( 5 ) and I repeated that I should be on the Do Not Call List, to which your agent then deceptively told me your company does not have a Do Not Call List. PORTFOLIO RECOVERY ASSOCIATES then sent statements in the mail from XXXX XXXX stating that I owe a debt. Pursuant to Pacific concrete FCU v Kaunaoe 62 Haw. 334 ( Haw. 1980 ) statements & consumer contract are not sufficient evidence of debt. I have previously disputed this account several times with the consumer reporting agencies. I have also filed an FTC report on this FRAUD and harassment for this alleged debt. As a result this inaccurate account has been removed from my XXXX and XXXX report since XX/XX/XXXX. However, PORTFOLIO RECOVERY SERVICES still continues to report this fraudulent and inaccurate account to XXXX as collections and is in violation of 15 USC 1692 e ( 8 ). PORTFOLIO RECOVERY ASSOCIATES continues to mail me several statements using deceptive means to collect the debt allegedly owed. I have no agreement with PORTFOLIO RECOVERY ASSOCIATES and did not give consent for my nonpublic personal information to be shared with this third party or harass me stating I owe any debt. This account can not be verified when it has already been validated as INACCURATE and has been DELETED from my consumer reports. Reporting this account to XXXX is FRAUD and a violation of the FDCPA and the Fair Credit Reporting Act.
Product: Mortgage

My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXXXXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( 1 ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Product: Checking or savings account

I received alerts on my phone of some debit card transactions that I didnt make nor recognize around XXXX eastern time on XX/XX/XXXX. I immediately at that time contacted the bank to tell them of these charges and was told that I had to wait until the transactions completed before I could dispute/report them. So I immediately froze my debit card, changed my password and other login information to my bank account. Then yesterday afternoon on XX/XX/XXXX, XXXX of the XXXX different fraudulent charges completed on my account for the merchant XXXX, XXXX charge for {$50.00} and the other for {$73.00}. So I immediately picked up the phone and filed those disputes for the XXXX transactions along with cancelling my debit card and reissuing a new one. So I wake up this morning on XX/XX/XXXX, not even XXXX hours later I receive an email stating my claim was denied, with absolutely no explanation whatsoever. If they had even bothered to investigate even further and check the other XXXX fraudulent charges that were all made within minutes of each other from a merchant called XXXX XXXX XXXX XXXX XXXX because if you XXXX this merchant you can clearly see that they have been linked to multiple fraudulent charges to other peoples debit and credit cards. This is ridiculous, my information was obviously stolen/compromised and now I am out a total of {$130.00} and I cant afford that. I live paycheck to paycheck and I rely on every cent I make to pay bills and provide for my family. Its not that hard to investigate fraudulent charges, to see they werent made by the actual customer. I want my money back. This is theft!
Product: Mortgage

I put in a request to take my name of my mortgage also known as an assumption because my ex wife is now the sole owner. The lender agreed to look at our situation and a {$950.00} non refundable processing fee was required which we paid. We sent in all required documents is a timely manner. We understood that we may be denied and were comfortable with taking that chance. The assumption went to underwriting in XXXX of 2022 with a timetable of two months to get a response. We never got a response and the loan was sold in XXXX of 2022. The new lender is requiring us to start the process over. So we requested a refund of our {$950.00} which they have denied stating that it is nonrefundable. But they never provide the service they promised. The lender is Dovenmuele. Their best contact number is XXXX
Product: Bank account or service

The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX appeared on my EXPERIAN credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is playing the up and down game with me wich is putting me in high interest rate status they keep saying I have serious delinquent on report but the bills have been paid in full. My credit usage went up {$71.00} dollars and my credit score dropped XXXX points. I want them investigated to see if they are targeting certain Individuals or Races due to up and down changes on accounts I have payed all my bills on time and they are still playing this game with me year after year
Product: Credit card

XXXX in fraud was contacted as my cell phone was showing that there was no match to my social. he then stated that he escalated the issue and mentioned XXXX XXXX. They seem to be the problem. My cell and my landline were both showing on my account, but it seems that my cell may still be associated to person XXXX XXXX who lives in XXXX, Florida and she is not me. She has the same name and XXXX. They refused to provide the transaction number for XXXX XXXX. I will now need all the transaction numbers for the last XXXX  years as allowed by law. XXXX told me that my social was not associated to my account phone numbers, so it appears that my phone numbers were merged with MRS. from XXXX who has the exact name and dob and is not me. XXXX also had a problem as it appears our information was mixed up and merged, I requersted the transaction number from XXXX XXXX who disconnected me and then did not return the call. I then spoke to XXXX Id XXXX who told me they could not provide the transaction number, which is my understanding that is against the Fair credit reporting act. I was transferred to sales and spoke to XXXX in XXXX who told me he could not provide that either, so I told them i would file the complaint.
Product: Credit card

I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I try to access my equifax credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called Equifax and they send me to every department they have without me being able to even notify the correct authority about my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crime 's which antedates the report by more than seven years.

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

XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.
Product: Debt collection

Jefferson Capital Systems LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {XXXX}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a XXXX XXXX XXXX for 36 months. After that I had a 6 more months extension. All 42 payments were made on time. Now XXXX XXXX XXXX presents my already closed account in XXXX of XXXX, as a 48 Month XXXX and as delinquent. I have never signed for a 48 Month XXXX with XXXX XXXX XXXX, it's a lie. XXXX XXXX XXXX must present as proof a copy of the 48 Month XXXX, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the XXXX 's XXXX. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the Repair Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like XXXX XXXX pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the General Manager, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called XXXX XXXX XXXX and explained to them the situation. After a few days, XXXX XXXX XXXX Reported my already closed account as delinquent, and as the result my XXXX XXXX went down almost XXXX points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my XXXX XXXX. The car, XXXX XXXX XXXX, is criminal evidence now, until the case is resolved. XXXX XXXX XXXX started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXX of XXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of XXXX XXXX are involved in such criminal activities!!! Shame! Here is a factual reference : XXXX XXXX XXXX Criminal Investigation Filed XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called Amsher collection that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.
Product: Debt collection

There is a debt collection company by the name of I.C. SYSTEM INC who parked a debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of GEORGIA and in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. A violation per 15 USC 1692e ( 10 ) and 15 USC 1692d ( 1 ). This company is also violating the FCRA and FDCPA by implying that the account is from an attorney. This is a violation per 15 USC 1692e ( 3 ). This is deceptive and abusive behavior.
Product: Money transfer, virtual currency, or money service

I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX XXXX Transaction # XXXX A XXXX XXXX XXXX investigation determined that " one of  the access tokens is registered with Citibank ''
Product: Debt collection

I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX my TransUnion credit score dropped XXXX points from XXXX to XXXX for no discernible reason. All of the major purported reasons for credit score changes, i.e. payment history, credit history length, age of oldest and newest accounts, credit utilization, the average age of all your accounts, and credit mix, either stayed the same or improved. TransUnion would offer me no explanation. their website said they could not respond to issues regarding the actual score and a phone conversation on XX/XX/XXXX provided no information
Product: Checking or savings account

Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. 
I attached all the recent transactions. there is no negative balance. 

when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Rohit Chopra, Director, Consumer Financial Protection Bureau Attn : Rohit Chopra, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Product: Debt collection

I was taken to court for foreclosure by CALIBER HOME LOANS ( CHL ) who claim to be the servicing company for XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX as trustee, However the courts found in my favor on three occasions dating from XX/XX/XXXX to XXXX XXXX It is clear the statute of limitations ( SOL ) to collect, foreclose or threaten legal action ; is six years in XXXX  XXXX  XXXX . Despite the ( SOL ) running out XX/XX/XXXX ( CHL ) continues their attempts to collect the alleged debt, place negative information on my credit report violating the Fair debt Collection Practices Act and threaten legal action by selling/ transferring or assigning the non-preforming debt. to XXXX XXXX XXXX. proving their commitment to unfair and deceptive business practices. see Court documents attached costing me over {$150000.00} in lost rents due their court action and harassment in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but transunion and XXXX refused I was never late I had automatic paymnets
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed as in collections and past due by XXXX XXXX XXXX  for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.