23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

SECTION 605 B 15 U.S.C 5 1681 XXXX, TRANSUNION, XXXX : have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. 

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00}, : XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX ; {$20000.00} XXXX  : returned voluntarily ; voluntary repossession fraudulent inquires : XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. Transunion ; XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Money transfers

I went to Western Union to send money to my son in XXXX, CA on XXXX XXXX. XXXX XXXX at XXXX I sent my son the tracking number. XXXX XXXX my son went to pick up the money. He was given a conformation number by Western Union to give to a cashier to pick up the money. When he gave the conformation number to the cashier he was told that the transfer was declined. He called me, I called Western Union and was told the money was picked up on XXXX XXXX at XXXX. I called back on XXXX XXXX to make a report because my son did not receive the money. I was told that it would take XXXX days for them to investigate. I feel this is a practice that is ridiculous and disrespectful to the consumer, me. I sent the money because my son needed money next day. Why do I have to wait XXXX days!!!! Someone has my money and I want to know who!!!!!
Product: Debt collection

I checked my credit report and saw someone opened a card in my name fraudulently with " XXXX XXXX XXXX XXXX . XXXX XXXX XXXX is attempting to collect a debt that isn't mine. There are also fraudulent inquiries on my profile as well & They are : XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021. 
I have filed a dispute with Transunion and haven't heard anything back from them. I am attaching my Notarized Identity Theft Affidavit, My ftc report & police report! REMOVE THIS ACCOUNT AND INQUIRIES IMMEDIATELY!
Product: Mortgage

1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX  XXXX, Iowa XXXX Subject : Formal Complaint against NATIONAL CREDIT SYSTEMS Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that National Credit Systems placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. 
I hereby declare my revocation of all communication channels with National Credit Systems, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat National Credit Systems provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If National Credit Systems is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that i opened an account with National Credit Systems is balantly false. I neither received any services or products from National Credit Systemsnor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights.

Moreover, it has come to my attention that National Credit Systems is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 
The actions of National Credit Systems constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. 
Please keep me informed about the progress of this complaint, and i appreciateyour attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I HAVE BEEN PAYING THIS LOAN FOR PROBABLY 20 YEARS,, AND THAT IN IT SELF IS REDICULOUS, BUT WHEN YOU WERE SCAMMED AND NEVER EVEN GOT THE DEGREE, THAT IS A DISGRACE. IF THIS LOAN IS INSURED HOW DOES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AT THE TIME MAKE ME PAY, I DO THE 4 YEARS, AFTER THE DEFAULT, I PAY ALL THESE YEARS THINKING THEY WERE HOLDING MY DEGREE, AND NOW THEY SAY NO WE CANT HELP YOU???? REALLY I PAID FOR THIS, WENT TO THE SCAM SCHOOL, WHEN THESE TRADE SCHOOLS JUST OPENED AND NOW I AM OUT AN ASSOCIATES DEGREE. DOES THAT SEEM FAIR?
Product: Debt collection

XXXX XXXX is trying to collect t a debt that is not kine the dont have no copy of my identification or driver 's license to says that's my debt they are in violation of the fair credit reporting act and the fair debit collections act
Product: Debt collection

On XX/XX/year> reported on my credit report that it is a collection/ charge off account! {$10000.00} limit which is wrong as well!
Product: Credit card

I purchased 3 airline tickets from XXXX on XX/XX/2023. I was charged 6 times. I disputed the double charges but only was credited one overcharge. When I contacted credit card ( Synchrony ) they said I only disputed one charge. A new dispute was opened for the other 2 double charges. Charges was cleared after a month or so, then the charges was reversed and they said I owe it. {$610.00} for something I did not receive. XXXX is showing the credit card I purchased airline tickets. But when I call XXXX they tell me they see the problem and will fix it, that it was a computer glitch. 6 months later no results. Now are taking monthly payments out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to a Best Buy location to purchase a new XXXX. I made it clear to the employee that was assisting me that I did not want any sort of Best Buy credit issued and that I wanted to pay for the phone with an existing credit card. 
I did not authorize or ask to apply for Best Buy credit either. However, I received a phone call the next day from the Best Buy credit department to inform me that a card had been issued to me. I explained to the person from credit card department that I did not apply for nor requested Best Buy credit and that I simply wanted to pay the XXXX in full which I did. 
The Best Buy employee then closed the account and my credit report now states that my account is in good standing but closed which is impacting my credit score negatively and that it would stay on my credit report for 10 years! 
I contacted XXXX and they told me that was not a fair scenario for me and to contact Best Buy to formally request they remove the account from my credit report which I did do. I should in no way, shape or form be negatively impacted for an error made by an hourly employee and when the item in question was paid for in full with a credit card that I already had in my possession.
Product: Credit reporting or other personal consumer reports

AFTER I DEDICATEDLY FOLLOWED ALL THE REQUIRED PROCESS IN ORDER TO PROVE THAT I AM A VICTIM!? HOW COULD YOU HAVE DENIED MY REQUEST WITHOUT A SPECIFIC EXPLANATION!? Let me begin by highlighting my incredulity at your audacity in deeming my documents as " INVALID. '' I provided comprehensive documentation, carefully and meticulously following your instructions to substantiate my dispute to remove these fraudulent accounts : 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 What further exacerbates my irritation is the evident lack of compliance exhibited by your bureau in handling my case. The Fair Credit Reporting Act ( FCRA ) clearly stipulates that credit bureaus like yours are legally obligated to conduct a reasonable investigation into consumer disputes. This includes a thorough examination of all documentation provided, as well as a diligent effort to resolve the dispute within the mandated time frame. 
Your inability or unwillingness to fulfill these fundamental obligations is a blatant violation of the FCRA and raises serious concerns about the integrity of your operations. I insist on receiving a detailed account of the actions taken, or rather, the lack thereof, in handling my dispute and the specific reasons behind deeming my documents " INVALID. ''
Product: Mortgage

My loan application was being processed for over 2 months, I've spent time and financial resources getting this application pre-approved and it was in underwriting according to the lender. I received an email with them informing me that " Existing mortgage loan reported in forbearance within the last 24 months. A full 24 months housing payment history is required to proceed. '' They knew from the start that the mortgage had been in forbearance for 8 months during the start of the pandemic because my wife lost her job. They had known this all along. Now they have all of our personal information and negatively affected our credit score with hard inquiries. I feel like I got cheated.
Product: Credit reporting or other personal consumer reports

This morning, I found errors on my credit report that make no sense at all. I check my report regularly, and nothing like this has ever happened before. I tried refreshing my browser, thinking maybe it was just a mistake on the screen, but the inaccurate accounts are still there. I am begging for the documents Ive sent to be reviewed thoroughly so I can put this nightmare behind me once and for all.
Product: Debt collection

I have been getting collections calls for years now and it affecting my mental health I cant take the calls anymore they wont stop every day at all hours
Product: Debt collection

On XX/XX/XXXX I received several calls from XXXX different XXXX XXXX. The first was from XXXX, formerly XXXX bank. I told XXXX bank the first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from XXXX and a call from CalvaryXXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called XXXX they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did. Cavalry is also requesting that I pay court fees and filing cost but we haven't been to court. I asked the young lady if this was legal and That didn't seem fair but she said the only way XXXX court get around paying the court cost was to pay settlement with was like only XXXX dollars less then the balance. I ask for a breakdown of the amounts in writing which I haven't received.
Product: Debt collection

we had to move from an apartment complex because of racism, property of ours damage etc. we got permission from XXXX properties. we left the XXXX XXXX great condition and the XXXX said certain things needed repairs and i know that is not true. i disputed XXXX ( the debt colector they hired ) and they illegally without permission tried charging my bank card but i had the card locked. my bank gave me a notification it was declined. i asked for debt verfication and they gave me an itemized list and one reciept. i told them that reciept for carpet repair was a month after we left ( the borden had their matience worker XXXX who drinks and parties living in that and other empty units. i left the carpet shampooed and clean when we left. the other charges were made up and i told XXXX give me the reciepts and photos of the claimed damage and they provided nothing. the continued to try and collect and pug it on myself and my husbands credit. if we owed the amount then i would not mind paying it however its fraudulent. i will be also following up with a law suit for damages and lawyer fees and also damages that occurred from having to abruptly move from the borden because of the unprofessional workers and damage to my XXXX XXXX crack pipes and homelessness at a luxury property threating XXXX in front of my toddler mold in the unit and illegally not having proper ventilation and non working windows they may have fixed it now but i have videos of when we lived there, heating issues during winter and it took so long to finally fix it when we had out toddler in the cold unit from matience not changing out the thermostat till weeks later and my son occurring doctors fees i have documentation of that as well etc. i have property management im on film acting out aggressively way to often ( briel ) she cant keep a stable personality. i have the paper trail of everything in writing, police reports videos and photos and nakita knows this very well.
Product: Debt collection

I received a call telling me that XXXX XXXX '' needed to confirm that I was going to home on Tuesday with ID to sign for a package. I asked who it was from he said HC XXXX. I explained that I did not want the package because I am not familiar with the sender. He then told me that he would forward through dispatch to the client who is sending it so that I can verify. I then was put on the phone with a gentleman telling me that a company was filing against me in XXXX County and he needed to send the me the documents. I advised him that I could not commit to be home during any 4 hour window on any day as I keep a busy schedule. HE then told me that he would advise XXXX County that I am a skip and they can deal with finding me. I said no problem sir, but for the record, your false legal jargon needs some updating because when a person is being sued, they are notified by the court so they do n't need your documents. Good Day! I called the XXXX County Courthouse and they advised me that they had no lawsuit pending AND that if a suit is filed and a court date issued they will provide me with the paperwork via certified mail or deputy service. Anyone who gets a call from these people, write it down because this process they are using will hurt them in court! I tried to call the number back to the so called courier service and no one would answer. Then I tried from my home phone an still no answer. Low and behold they called back and the name on the caller ID said " Hewitt Capital ''. I am assuming that this is what the HC in HC XXXX stands for. I guess they either own XXXX XXXX or they were ( and I am sure this is it because according to the real company XXXX XXXX whose number I found online, they are not affiliated ) misrepresenting themselves in order to try and collect a debt. I felt threatened, the conversation made no sense because I initially though he was telling my that I was being sued by the county that I live in. I called my country courthouse and they stated that there was no pending action against me for this company and that they would have served any papers to me. This man made me think I was suppose to be in court next week!! Gave a XXXX XXXX in the middle of lunch with my toddler, thought I was going to have to go to the hospital!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry and account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2023 XXXX XXXX  Placed call to customer service line for Citizens One Bank. Received automated message offering a callback due to heavy call volume. XXXX. 


XX/XX/2023 XXXX XXXX  Received callback. Placed on hold. 


XX/XX/2023 XXXX XXXX  Transferred to Payments, operator informs me he can not help me, transfers me back to Customer Service XXXX 


XX/XX/2023 XXXX XXXX  Connected to XXXX XXXX XXXX. XXXX is happy to help, says they will send the XXXX   removal form ... by mail in XXXX days. I asked the agent why I could not get an electronic copy, since literally every other thing I get from them is electronic, including statements, tax forms, escrow notices, etc. They do not know, it is the policy. 

This is my complaint : I made a mortgage agreement ( with a different company, this is my third loan servicer ), and I understood that making XXXX  payments was part of that agreement until certain conditions had been met. I have met those conditions, now I want to stop paying. Citizen 's One Bank is deliberately trying to make the process as slow as possible in the hopes that I will give up, forget, or at least be delayed. It is a small thing, we are talking about ~ $ XXXX, but it is unfair and unethical. There is no reason they need to mail me a blank form when every other interaction is electronic. 

To clarify, I do not think the excessive phone wait time is deliberate, per XXXX, just that they are either incompetent and/or too cheap to staff their customer service.