23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The agency is saying that this is a timeshare account that was opened up back in 2021 in XXXX. I never travel to XXXX in 2021. I never opened up any type of timeshare account. I reached out to the collections agency I provided them with my email address. The collection agency was supposed to send me a copy of a signed contract. I never received the contract. I called them several times for updates. Can not get in contact with anyone. I leave messages nobody calls me back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous information listed on my credit report regarding two late payments with XXXX  XXXX and unauthorized hard inquiries made by CB Indigo, XXXX XXXX, Destiny, and XXXX. These inaccuracies are clear violations of my rights under federal law, and I demand immediate correction resulting in the immediate removal from my credit report Late Payments XXXX  XXXX : According to my records, I did not miss any payments on my account. The two late payments reported are false and must be removed from my credit report immediately. I am invoking my rights under 15 USC 1581, which guarantees my right to privacy and accuracy in the reporting of my personal financial information. 

Hard Inquiries CB Indigo, XXXX XXXX, Destiny, and XXXX  : These inquiries were made without my authorization or knowledge. I suspect this is a result of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B which requires the immediate removal of any fraudulent or inaccurate information upon notice.

Violation of 15 USC 1581 As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. These inquiries must be removed immediately to avoid further legal consequences.

In light of these legal protections, I demand that : 1. The two late payments with XXXX XXXX be deleted from my credit report immediately. 
2. The hard inquiries from CB Indigo, XXXX XXXX, Destiny, and XXXX  be removed from my credit file without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Product: Mortgage

I have been in compliance with all of Wells Fargo request, title clearing, financial documents and paid all the payments they demanded despite the frequent amount changes. I have been trying to participate/obtain a COVID-19 Loss Mitigation modification since XX/XX/XXXX. 

I was told there was an approval in XX/XX/XXXX but never received any paperwork. 
Then I received paperwork in XXXX of XXXX notarized by the deadline sent it back then told it was denied. XX/XX/XXXX of XXXX, I received a Modification package with a higher interest rate and a non reduced payment. 

I don't understand what and why this is happening. I have an FHA loan and meet the qualifications for the mitigation process. Please help me. I have been reaching out for support to no avail. It appears I will have to seek assistance and or report to the media to get an opportunity that has been offered to homeowners across the globe.
Product: Debt collection

I am being repeatedly called in an autodialer system and harassed for a 8 yo fraudulent XXXX loan. 

The XXXX  lender was not legally permitted to operate financial lending services in my state of residence, therefore negating the loan. Additionally, the statute of limitations has passed on this debt in my state. The collection agency involved is practicing illegal collection tactics. 

They call me almost five times a day and do not identify their company or for what matter they are calling about. 

In my most recent call, I was told I was fraudulent in some manner. I told her she was contacting me unlawfully and hung up the phone.
Product: Debt collection

These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
Product: Debt collection

My home mortgage went into forbearance and was assumed by Ocwen on XXXX and then PHH on XX/XX/XXXX My mortgage went into forbearance and was assumed by Ocwen on XXXX and I struggled making payments from that time until XXXX. I began making timely payments by making payments before they were due usually at the end of the previous month. On XX/XX/XXXX, I received notice that Ocwen had sold the remaining debt to PHH a subsidiary of Ocwen and that for the transfer period of 60 days no payments would be considered late. On or about XX/XX/XXXX PHH alleged I missed XX/XX/XXXX payment, when I proved it was paid, they then claimed I missed XX/XX/XXXX payment, I have evidence proving that the payment was made to Ocwen for the months of XXXX and XX/XX/XXXX. On or about XX/XX/XXXX PHH then alleged I missed XX/XX/XXXX payment, I said I have proof I paid that the end of XX/XX/XXXX. Then on XX/XX/XXXX PHH alleged I missed XXXX payment, at that point I demanded a through payment history and found the PHH started my account in XX/XX/XXXX instead of XXXX making me a month behind although they have been paid. In the payment history on XX/XX/XXXX PHH charges me for seven ( 7 ) Certified Mail fees totalling {$37.00}, Attorney and Collection Fee 's in the total amount of {$660.00}, Bankruptcy Expense {$150.00}, Stipulation Setup {$200.00}, Foreclosure Costs {$2600.00}, Property Valuation {$450.00}, Title Report {$450.00}, Property Inspection {$36.00}, Certified Mail Cost {$4.00}, and Late Charge {$690.00}, totalling {$5200.00} all of that in just the first 30 days. PHH in essence refinanced the loan without my knowledge or consent. The house was never included in any bankruptcy proceedings so the bankruptcy fee 's are fabricated. There was never any inspections conducted and certainly no certified mail received from PHH ( in fact PHH was unable to provide a single USPS Tracking number ), I was unaware of any Attorney & Collections Fee 's that I  agreed to pay. As of XX/XX/XXXX PHH is refusing to allow me to make a payment online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX- XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Need to get removed - TransUnion XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Need to get removed - TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the major credit reporting agencies ( XXXX XXXX, XXXX and Experian ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX  when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Product: Debt collection

Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused Significant inconvenience and financial losses, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

have had this exact same collections account for a XXXX XXXX bill removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX XXXX. acct # 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 or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying XXXX is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my XXXX report is it shows a XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for Experian there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.
Product: Debt collection

I had email in my junk folder and I seen it said something was being sent to collections I thought it was spam but it wasnt I called them tried to dispute it but I get they said they cant do anything since its in collections I asked for proof the account they said I have to talk to collections I called the collections agency to dispute this and they told me they would send me the paper work for my dispute about three weeks ago Im still yet to recieve anything from them and when I called XXXX I found out there was another account for the same financial institution which I never even heard of
Product: Payday loan, title loan, or personal loan

I got a payday advance from this company. when I went to try and pay it back it always said something is wrong with your card. I didnt think most of it at the time because I seen that they were taking small amount out of my account to go towards the loan. When when I noticed they was taking a monthly payment amount of {$10.00} I went to check the app because I know I selected a free subscription. When I go on the app it does say Im under a free subscription but when I reach out they say Im not. But they can not example to me why my subscription says free and Ive sent them a screenshot of my subscription showing free. This company has taken over {$100.00} out of my account. With my subscription as free in the app but saying they see its not, I feel that this is misleading.
Product: Credit reporting or other personal consumer reports

Equifax, Experian and TransUnion keeps reporting inaccurate information on my credit report
Product: Money transfer, virtual currency, or money service

The company did an upgrade to there system and ever since I have not been able to withdraw or even see the funds that are in the account as of now there is around XXXX that I do not have access to I have been going through this going on to weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. These items are stopping me from getting a house.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting many accounts. I have asked them to freeze my account and correct the information. 

They are reporting Florida XXXX XXXX XXXX information incorrectly. 

I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to Florida XXXX XXXX XXXX.
Product: Checking or savings account

The following is what I submitted to the XXXX XXXX XXXX  on XX/XX/XXXX before they referred me to you : In XXXX of this year I went to the local branch of BMO Bank in XXXX XXXX to withdraw {$4000.00} from a CD I had purchased back in XXXX in XXXX AcctXXXX XXXX XXXX 
After some investigation, the bank XXXX XXXX XXXX claimed the funds were turned over to the XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and that I would need to contact the Department of Commerce to recover the them. I called the Department of Commerce/Unclaimed Property and was told that I would need to obtain a Letter of Verification with an authorized signature from the bank to recover the money. I contacted BMOXXXX XXXX and relayed this information to them and was assured my request would be taken care of. 
After XXXX weeks I had still not received the letter and contacted them again. I was I again contacted the Deptartment of Commerce and was given this : We do not show record of the property based on the information provided. Please provide the following to aid in our search : Full name of the owner Full amount of property reported to the XXXX XXXX XXXX Exact name of the holder ( entity/business ) that reported the funds to the State Approximate date reported ( may be the same as originally indicated ) If the funds were reported with an owner name or as aggregate or unknown. 

As far as your question regarding holder verification, we do not have a form for the bank to sign. If we request that while processing a claim, this is a document the bank or holder creates themselves. 

Sincerely, Unclaimed Property Program I forwarded this to XXXX XXXX XX/XX/XXXX and called him to update him on the Department of Commerce/ Unclaimed Property requirement. I have called and emailed him several times since with no response. 
As a retired tax payer in this state I find this frustrating that neither the bank or the State is helping me recover my property that my wife and I need. 

Please contact me with any questions.
Product: Credit reporting or other personal consumer reports

Applied for an Amex business line of credit. They asked for license copy and utility bills to get approved. I advised them that I don't have personal utility bills, utility bills in my wife 's name. Also asked why the need my personal utility bills for a business account. Also asked why needed any of this information since a have been a 5-years customer with no lates a platinum card holder. Did not reply. Replied don't need any further information it is fine would remove request from my account immediately. 

Processing of application done on XX/XX/24 they denied on XX/XX/24 for lack of documents utility bills.
Product: Credit card or prepaid card

On XX/XX/2023, I used my Sony Visa Credit Card issued by Comenity Bank to made a purchase of {$32.00} at XXXX XXXX XXXX. Unfortunately, the merchant ( located in another country ) mistakenly charged my credit card THREE separate times, instead of just once. I promptly disputed the two extra charges ( {$32.00} each, for a total of {$65.00} ) with my credit card company and provided a full explanation with documentation and a receipt. Comenity Bank took 90 days to investigate. On XX/XX/2023, I received a formal letter stating that I am not responsible for the disputed amount and that they had made a correction to my account. However, no correction was made. No credit was issued. I have called Comenity Bank multiple times and have messaged them online multiple times. They have still not resolved this issue. I want my money back for the two extra charges of {$32.00} that total {$65.00}. I have attached my credit card statement that shows three repeated charges from XXXX XXXX XXXX, which are captured on paged 1 and 2. I have also attached the letter from Comenity Bank, stating that I am not responsible for the disputed amount.
Product: Debt collection

I am constantly receiving emails from Bank of America about account. Stating that I owe on a debt. I have advised them numerous of times, I have no knowledge of the account. I have asked for proof and I havent received any. I also asked them to stop contacting me and find the correct person. I am still contacted weekly.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase to XXXX on XX/XX/XXXX. The order was cancelled by XXXX and I did not receive any of the merchandise. I contacted XXXX to let them know so the charge would be reversed and my down payment would be refunded. XXXX refused even after me providing the order number and proof of the order being cancelled. When a 3rd party such as XXXX purchases an order, they use their own card. The card XXXX issued ended in XXXX. I am not sure if that is the reason why they are denying the order was cancelled but I have sent over more than enough documentation to prove the order was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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