23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I tried to get information about this account once they started calling me saying I owed {$1300.00}. At first they said the account was under the name XXXX XXXX. Well that's not my name. Then they said, well your name is listed as an authorized user. I didn't believe that but even if it was, does that make me legally responsible for the debt? So I disputed the account with the credit agencies and they came back and all of the sudden XXXXXXXX XXXX name was off the account and only my name was on there. How did XXXX XXXX  Name show up as one of my aliases on my credit report? I had to challenge that and have that removed. They say this account was opened on XXXX of XXXX and went into collections in XXXX of XXXX. That's might quickly. If it's for a cell phone, I'd have a new cell phone that came out in XXXX. Then why is my cellphone the XXXX version that I'm just trying to upgrade now, but can't because I've got credit issues due to false claims like these?
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) due to unauthorized inquiries on my credit report. The inquiries were made as follows 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, _ These inquiries occurred without my consent and infringe upon my rights as protected under the FCRA. I do not have any existing relationship with these creditors that would warrant such inquiries.
Product: Mortgage

Hi- I would like to file a compliant to BSI Mortgage, I made a full payment in XXXX and they decided to take money out the XXXX payment to cover XXXX payment. I made my first payment in XXXX on XXXX and then the company tried to take out a payment on XX/XX/XXXX, I had then called them and ask them to reverse the payment because it was not going to clear, so I asked them to take the payment on XX/XX/XXXX. In return they tried to take another payment on XX/XX/XXXX without my permission because per the phone call I asked for it to be taken out the XXXX. The decided to add {$540.00} back into my account which I was unaware of since the bank had already notified them that my payment would not go through. Since this was happening I had no idea that they took a payment from XXXX to cover XXXX because they said they gave me money and I owed them when the bank had already reversed the payment. From that point on I have made my full XXXX payment and my full XXXX payment and have proof of this.This all goes back to my XXXX payment with out them telling me they were doing that. I believe that if something like that happens they should notify the borrower but also never take money out a payment that has already been. Every time I call them they will not give me any number to any VP 's to handle this matter. I then in return got on to XXXX and got some numbers for the VP 's and called them since it was public record. I was told that I was not allowed to call anyone them on cell phones and it was per your polices. If the numbers are public record then I am not sure that is the case. I was also told that I was not allowed to talk to anyone else in the company and he informed all 46 customer service agents that they couldn't not talk to me. When I had the last conversation with them I asked if I needed to get a lawyer and not that " I not that I had a lawyer '' I was treated with disrespect by the one the VP that I had called yesterday and he basically scolded me for getting in touch with the other VP 's. To treat a customer like that is not ok and I felt threaten. I have been dealing with this since for awhile and every time I called they said the would escalated and then I wouldn't get a call back and I would have to call them. This poor treatment from a company is not ok since I have never been late on any mortgage payments until they did what they did. I feel like the made me feel like and XXXX and talked down to me.
Product: Debt collection

National Credit Systems has been constantly contacting me about a rental debt in the amount of approximately XXXX. I was unaware that that I lost my drivers license, upon the notification of the debt by another application for an apartment I got a replacement drivers license and contacted the police to file a report. I have contacted all credit bureaus involved. I have also come to realize that they are not licensed and bonded in the state of XXXX which is where this has taken place.
Product: Credit reporting or other personal consumer reports

I AM NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Product: Debt collection

I asked for debt validation and have not received any. This is officially the last request before litigation. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request and Cease and Desist Notice Dear XXXX XXXX XXXX  XXXX XXXX I am writing to formally dispute the validity of the debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Validation of Debt : The amount of the alleged debt. The full name and mailing address of the original creditor. Documentation showing that you have verified I am responsible for this debt, including a copy of any judgment. Proof of Late Payment : Detailed records of any late payments reported, including dates and amounts. XXXX Form for Charged-Off Accounts : A copy of the XXXX form issued for the cancellation of this debt, if applicable. Proof of Account Ownership : Documentation proving that you or your company owns the debt, such as a bill of sale, assignment, or receipt from the original creditor. Account History : A complete account history, including all transactions, payments, and charges. Cease and Desist : Please communicate with me only in writing and cease all phone calls immediately. 
Credit Reporting : Remove any negative information related to this debt from my credit report until the debt is validated. Statute of Limitations : If this debt is beyond the statute of limitations, please be reminded that it is no longer legally enforceable. Additionally, I would like to inform you that any further attempts to collect this debt / report misleading information via ( credit bureaus ) to my credit report without providing the requested validation will be considered a violation of the FDCPA. Such violations can result in penalties, including fines up to {$1000.00} per violation and potential damages for any harm caused. Please consider this letter as a formal dispute and request for validation. Until you provide the requested information, you must cease all collection activities as required by the FDCPA. If you continue to attempt to collect this debt without providing the requested validation, it will be considered a violation of the FDCPA. I look forward to your prompt response. Please send all correspondence to the address listed above. Sincerely,
Product: Debt collection

As of XX/XX/2023 this collection account was listed on my XXXX and XXXX report. The collection account was previously deleted as they did not provide me with verification from the original debtor. I contacted the original debtor and they could not provide me with the original debt as well.
Product: Credit reporting or other personal consumer reports

Hello, I'm NOT liable for this dept with TRANSWORLD SYSTEMS, I do NOT have a contract with TRANSWORLD SYSTEMS, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt as this DEBT with XXXX XXXX, this account is a charge off, therefore the account is closed and has been sold to a collection agency TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX ( SCS ). 

PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681b 2. COMPANY HAS NO PERMISSION TO REPORT ANYTHING USING MY INFORMATION PURSUANT TO 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.
Product: Credit card

On XX/XX/XXXX I made a transaction at the XXXX XXXX for a total of {$4400.00}. To finance this I opened a credit card at the XXXX XXXX backed by XXXX XXXX XXXX. When I opened this card I agreed to a promotion that allowed for 18 months of XXXX percent interest. This means that the promotion expires XX/XX/XXXX. Starting on XX/XX/XXXX I started making monthly {$300.00} payments to this balance. This continued until Concora Credit bought the balance from XXXX XXXX XXXX in XX/XX/XXXX. At that point I had made 11 monthly payments ( through XX/XX/XXXX ) of {$300.00} to my balance. Therefore, the balance at the time of the transfer to Concora was {$1100.00}. 

Upon transferring the balance to Concora, XXXX XXXX XXXX applied the full interest amount to the promotional balance. My new reflected balance as of XX/XX/XXXX was {$2400.00}. I noticed this balance immediately and called Concora in XXXX. I was notified they were aware of the issue, the balance should not include the additional interest, and they were working on it. I accepted that and restarted my auto payments of {$300.00} with Concora assuming this balance would be corrected.

The following month of XXXX statement came out with no adjustments to the balance. Additionally, because they had erroneously issued me two account numbers my autopayment did not go through and they charged me {$67.00} of late fees. I contacted Concora again on XX/XX/XXXX. On this call it was again confirmed the balance was incorrectly including the interest. I also explained what happened on the auto payment, paid the XXXX {$300.00} payment while on the phone, set up autopayments again, and Concora offered to remove the late fee. On this call, I was assured that the next statement I received would show my correct balance. 

On XX/XX/XXXX I received my XXXX statement showing a balance of {$2000.00}, not only was the late fee still included in this balance but obviously no adjustment had been made to the erroneous interest. I contacted the company again, was transferred three times to a senior manager who after asking my name before even getting a response promptly hung up on me. 

To date, I have made 12 payments of {$300.00} to my original balance of {$4400.00}. The remaining balance should be {$830.00}, not including any late fees as I have made every effort to pay the correct balance down on time.
Product: Debt collection

This is my 10th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

-The term consumer means an individual.

-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.
Product: Mortgage

Our loan has been in continued forbearance since XX/XX/XXXX, however, it is being reported by our mortgage company, TIAA, as delinquent to credit bureaus. 

Our loan is being reported as closed ( in bad standing ) with delinquent payments 30- 59 days past due to at least two credit bureaus. XXXX is reporting a missed payment beginning on XX/XX/XXXX and XXXX  is also reporting a missed payment for XX/XX/XXXX. However, we have been in continuous, uninterrupted covered forbearance plans since XX/XX/XXXX with no period of delinquency ever for this loan. 

We applied for mortgage payment assistance related to COVID-19 and were placed in an initial forbearance plan beginning XX/XX/XXXX covering through XXXX XXXX. 

We have requested and been granted extensions for this forbearance plan, for continuous forbearance coverage through the following dates : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX We are requesting TIAA Bank and the new loan servicer XXXX update our mortgage files and all credit reports to show the current forbearance plan and correct all the credit reports for both XXXXX and XXXX to reflect accurate information regarding this mortgage loan. Please update our records to show the start of the initial forbearance as being XX/XX/XXXX. 

We feel that our mortgage company is in violation of the RESPA act by reporting inaccurate information about our mortgage to the credit reporting bureaus. As a result of this false reporting my credit score has dropped over 80 points. I have had my credit card interest rates raised by the issuers and I have had at least one credit card closed by the issuer because of the now lowered credit score.
Product: Mortgage

I have a loan with 21st mortgage that began XX/XX/20. I have discovered that I am not on my property. I was put on the wrong property including all my utilities. I have continued to pay the mortgage but there has been zero progress. 21st said they are not involved and cant do anything about it. They are telling me I have to handle this alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps on reporting my scores wrong my score spouse to be at XXXX TransUnion and XXXX I have no collections on my account what so ever
Product: Credit card or prepaid card

I tried to purchase an outdoor swing set from XXXX. I entered all of my information including credit card and was told it didn't process. On my next statement dated XX/XX/18-XX/XX/18an amount had posted for a different amount to XXXX XXXX XXXX. I sent XXXX  an email asking them explain what was going on. After a week I disputed it with the credit card company. Stated to them that I should not have been billed, but I believed my card number was compromised and had sent XXXX an email asking to confirm with no response.. the email was sent on XX/XX/XXXX to XXXX card company sent me a letter claiming they had tried to contact me for more information, they never did, and sent a denial letter on XX/XX/XXXX. I contacted them again, gave them the information they were looking for and they sent me another denial letter on XX/XX/XXXX again for insufficient information. I now see why people say such bad things about U.S. Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has  XXXX   medical collections o n my report that are wrong. These medical bills are a part of a on going law suit and are covered under a letter of protection from my attorney. My attorney has already taken care of these collections when they were on my credit report from  XXXX  and  XXXX  and were removed. I do n't know what Experian 's problem is.     The  XXXX  collections are ...      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$310.00} {$310.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$640.00} {$650.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX   )   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Inquiry : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX MORTGAGE XXXX - Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX - XXXX : XX/XX/XXXX ; XXXX XXXX  - Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX - XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank of America credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. Bank of America is still reporting the account as open through XX/XX/XXXX with XXXX and XXXX   ( XXXX is reporting closed status as of XX/XX/XXXX ). In addition, Bank of America is still reporting the aforementioned balance on all three credit bureaus. I have called Bank of America multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Product: Credit card or prepaid card

I have the Chase Sapphire XXXX card and pay a hefty annual fee for benefits like the travel protection. I have spent 7 months supplying every document XXXX XXXX XXXX  ( the 3rd party used by Chase ) requested to prove my travel claim. Every time they told me they had everything they needed, 2 weeks later they would ask for additional documents and sometimes just a different version of an already submitted document. I talked to the examiner and they even admitted that I actually didnt need the additional documentation that was requested because I had already provided it. Clearly, they didnt even review the documentation they requested. This continued on for many months of submitting more documents and having more phone calls. Around the 5 month mark they told me they would approve the claim and several more weeks go by with no update and when I call back they tell me again that I need even more documentation. Every time you call them with an issue, they request more from you and tell you itll take longer. Finally, the claim examiner left a voicemail ( which I kept as proof ) saying that all is good and that they have submitted the claim for payment and that I will receive more information in the mail. Well, more weeks go by and I call again and they tell me once again, my claim needs more information. It is clear that XXXX XXXX XXXX ( owned by XXXX XXXX ) is trying to delay paying out my claim to bully me into giving up and thus allow them to not pay out. It is clear that this falls into Unreasonable Claim Delay.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.
Product: Debt collection

I got a letter from XXXXXXXX XXXX  XXXX in XX/XX/XXXX that my data was part of a data breach. In XX/XX/XXXX, I found a strange XXXX acount in my credit history with a debt of around {$4000.00} claiming an account was opened in my name in XX/XX/XXXX which I never opened. I don't recall in which state was it opened but it was not in XXXX, TX where I live. 

I was out of XXXX from XX/XX/XXXX till XX/XX/XXXX. Once I knew, I filed a police report and FTC report ( Federal Trade Commission ). I supplied all this info to the credit bureaus and disputed the account in both XXXX and XXXX. The fraud account was removed in both. 

I supplied the same info to XXXX who never contacted me. 

However, this month, McCarthy, Burgess and Wold- who identified themselves as debt collectors- called me regarding this fraud account and asked me to file a fraud claim with XXXX again and asked me to call them. I supplied the reports again to XXXX. I called XXXX and they asked me to go to the police and ask them to add in the report that I was a victim of Identity theft! 

That was very surprising! I would not tell the police how to do their work! 

They reported the fraud account again to XXXX so we are going in loops as I disputed again! 

Finally, I contacted XXXX to ensure they will not allow them to report this fraud account again. XXXX advised me to file a complaint here!