23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2021 I received a letter from Advanced Collection Bureau falsely stating that I owe money to them and that XXXX XXXX is the creditor when in fact I am the original creditor. The business seems to be impersonating a government office by using the name bureau and has no right to contact me and has been informed to cease and desist by certified mail : https XXXX XXXX XXXXXXXXXXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail I do not owe any debt and in fact believe there has been a surplus amount of monies made associated with account number ACCOUNT NUMBER XXXX. I have reason to believe and do so believe Advanced collection bureau was credited from my principle obligor trust account and money which has been credited to the bank has been missed to make investments in favor of Advanced collection bureau using this account ending in XXXX. IF this assumption is true I demand redirection of all prior payment into the name of the consumer on the original transaction, as I am not nor have I ever been aware of the trading, monetizing and hypothecation compensation a XXXX point XXXX per centum on all monies gained associated with this account as this transaction has not been equitable to me, if my assumption that I truly funded and credit this account has been making monies have been made in my principle obligors name XXXX XXXX. I demand any monies made from this transaction be returned to myself as the original creditor. 

I am disputing this alleged debt. I am invoking my specified remedy as a original creditor pursuant to 15 US Code 1692c ( c ) ( 2 ) and pursuant to a15 US Code 1692 I demand you cease any communication and collection activities of this alleged debt.

I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 49 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principle obligor. 


I have reason to believe and do so believes, without all requested documents in the affidavit herein there can be no such proof of claim by advanced collection bereau and XXXX XXXX would be liable for creating a false and deceptive form under 15 US code 1692. 

I have reason to believe and do so believe that Advanced collection bureau is committing fraud by having my personal information without my consent and I demand that they pay the invoice requested
Product: Credit reporting

i recently received a letter from Transunion on XX/XX/2017 stating that the investigation of the dispute of credit error item had completed, and the item of error has been successfully deleted or removed from my credit report. So i checked my credit report online and the item was cleared then but somehow on XX/XX/2017 the item of error reappear on my credit report again as i recheck my credit online religiously. i have been discussed this matter with the credit grantor and it was settled in an agreement. In my humble request for the credit report agency to investigate what is happening with this matter and provide a best solution in regard of this item of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX DOB XX/XX/1980 Equifax XXXX. XXXX XXXX, GA XXXX To Whom It May Concern, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report. 
No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the accounts listed below as a consumer Im demanding deletion of these accounts. 
XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account XXXX XXXX XXXX  -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- Account Number XXXX XXXX -- -- -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account NumberXXXX XXXX XXXX -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -Account NumberXXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and XXXX, which they confirmed as valid. Additionally, I've engaged with XXXX, who complied with legal requirements and removed the accounts. However, XXXX seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to XXXX over XXXX months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate.
Product: Mortgage

I paid off my mortgage loan at NationStar ( fictious name : Mr. Cooper ) on XX/XX/XXXX. 
I understand they are allowed XXXX days to refund my escrow balance. 
It has now been XXXX days, but I still have not received a check. 
If I was late on a payment, I would have to pay a penalty. 
But, apparently, it is OK for them to take as long as they like to return my money without any consequences. 
They claim to have mailed a check on the XXXX, but we know that is a lie because first class mail does not take XXXX days or more inside the USA. 
When my check eventually arrives, we may be able to confirm that they lied by checking the postmark on the envelope. 
This is not my first terrible experience with NationStar. They have an abysmal record.
Product: Checking or savings account

I have active Credit Karma Save and Spend accounts. On XX/XX/XXXX my Credit Karma account was hacked. The hacker accessed my online bank account, transferred {$3000.00} from my savings account into my spending account, and sent {$4000.00} to XXXX, XXXX. I called Credit Karma Money Support immediately after I received the notification of the transaction. My call was transferred to a different department after receiving my personal information. I was on hold for over 45 minutes. Once someone answered, they stated that they could not dispute the transaction as the charge had not posted to my account yet. They stated that they would cancel the virtual debit card used though, and advised that I call back once the funds posted in order to dispute. The next day, I received an overseas spending charge of {$40.00}. Two days later ( XX/XX/XXXX ), the funds posted and I called to dispute the charges. I was on hold for over 30 minutes but the representative filed a dispute for the initial transaction and the overseas spending charge. The representative stated that my money would return to my account within 10 days. On XX/XX/XXXX, all of my accounts were frozen due to suspicious activity. I sent the required documents on the same day. I have called everyday since and have been told they can not communicate with me by phone but I must wait because they have to complete their investigation. On XX/XX/XXXX, I received another email to send the same required documents. I sent them on the same day again. The overseas charge was returned to my frozen account on XX/XX/XXXX, but the {$4000.00} has still not been returned. Its been 11 days now and no one will respond to me. On XX/XX/XXXX I asked for a status update regarding the dispute and account status and was told I had been using the wrong email to contact and that they couldnt give any information. I have only used the email I began my account with and that XXXX continues to reply to and send resolution links to for documents. On XX/XX/XXXX, my account was unlocked and I was again able to access my information. I noticed that my dispute for {$4000.00} was showing as a past dispute but was never given a status update or information. I called Credit Karma and spoke to XXXX who stated that my dispute was denied and that it was determined that no error was made on my account. I advised her that my account had been hacked and I did not make that transaction. She told me she was sorry and that she would send the transaction for review again. Credit Karma did not protect my money and now I will struggle to pay my bills because of their complacency. Im now forced to wait even longer and risk further penalties for my bills because of their wrongdoing. Credit Karma banking is an absolute scam.
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. 

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 XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX  XXXX 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 crimes 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.
Product: Debt collection

This account is over 10 years old and all of a sudden they are trying to collect. They have called my place of employment and harrassed me. I am attaching documentation for this claim.
Product: Credit reporting or other personal consumer reports

I was advised by TransUnion, a credit reporting agency, that XXXX provides third-party information to Transunion about my chapter 7 on my credit report, and that information is incorrect and needs to be removed. I have provided paperwork from the courts advising that this item does not belong to me and needs to be removed entirely. XXXX where are you getting your information from because it not correct
Product: Debt collection

I was served with a civil judgment from a debt collector. I have tried to reach out the this law firm to obtain more information. Apparently this debt is from XXXX ago. I don't remember this debt and I don't remember ever receiving information concerning this debt. I have requested call backs, left voice messages, and sent emails. The court date is now 3 days away and I have no way to resolve this issues before hand unless I speak to someone at Dobberstein Law Firm. No one will return my calls!
Product: Debt collection

Made payment through XXXXXXXX XXXX for XXXX dollar which was a balance due. Prior to payment XXXX never updated invoice and claim they will not once the account is paid off and closed. At which theyve sent the payment to resurgent but they refuse to delete debt collection off account unless they get a verbal response from XXXX XXXX Ive sent over bank statements as well as payment directly from the XXXX payment page before they lock me out of the portal. But unfortunately still nothing done in my favor and now XXXX is stating I never made an payments.
Product: Student loan

I have a private student loan with Navient. I had been making monthly payments since I left school. Navient never postponed any payments even during the pandemic to help us get through difficult times. Navient has increased interest rates on the loan twice over the last XXXX months. When I called and asked about the interest rate increase, they told me I have signed a contract with a variable interest rate which I am not able to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Medicredit to see if they would offer me a settlement for the {$250.00} balance that's showing on my credit report. They agreed to a settlement of {$170.00} which was paid the same day with a representative from Medicredit. 

The representative told me that my credit file would be updated to reflect the paid amount. I asked her how long does it take them to update with the credit bureaus and she then stated that unfortunately they would not be able to update my account because they are showing another balance owed for approximately {$1800.00}. 

I explained to the representative that there is nothing showing on my credit report reflecting that amount. The rep then stated to me that it does not matter if its not reflecting on my credit report all that maters is that it's reflecting in their system. I explained to her that I'm not going to pay for something that I don't owe. 

To this day nothing has been updated to my credit report, as a matter of fact they reported on XX/XX/2021 that I still owe the {$250.00}. 

I've called a few times to ask them to update my credit file and they refused.
Product: Credit card or prepaid card

someone unknown used my identification and social security number and made some difficult investigation requests before my transmission without my authorization some companies that detailed below XXXX / XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Product: Checking or savings account

Dear, I deposited XXXX cash into the Bank of America ATM on XX/XX/2023, but the transaction only showed XXXX. I put cash into the ATM and the ATM didn't give me any receipt or give me any options after processing it as usual. There's something wrong with the ATM. I tried contacting Bank of America, I submitted a dispute, and after XXXX inquiries the bank always said they couldn't find any cash. I have videos and photos as evidence. The ATM ID is XXXX. The range is from XXXXXXXX XXXX tXXXX XXXX XXXX on XX/XX/2023. 

Thank you
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 crimes 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 or other personal consumer reports

Company reporting charge off all of XXXX until XXXX showing a balance to be the same as company claim of charge off. Refuses to give proof of charge off. May the The consumer do a proper tax filing.?
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2024 I did an XXXXnstant cash transactions with them. One for {$4000.00} and one for {$1000.00}. Nothing was showing that it would take 7 business days for them to release the funds. It did say that it could take up to 7 days. I waited until the following Tuesday to inquire and was told that it would take 7 business days to get my funds even though they came from my connected account. Ok so I waited until the 7 business days was up and my funds were still not released. I inquired about this and after waiting hours and they responded in the middle of the night. I was told that Monday XX/XX/2024 was day XXXX and that I needed to start counting from the XXXX. So the money was finally released on XX/XX/2024 at XXXX XXXX. I had already lost money having it sit in their system for so long so I transferred the remaining funds over to their Visa card. Well last night and today I have been looking for a way to put my funds back in my wallet after trying to send them to XXXX XXXX  and was unable. I called and then was told they would call me back. A XXXX called back and told me there was no way to put back in my account unless I wired {$5000.00} to my XXXX XXXX  from my bank account. He told me that when I had sent this wire to call him back and he would tell me how I could do it. Nothing on their site tells you when you transfer money to the visa card that you can not send back or transfer to your bank. I was told the only way to get the money off is to make a purchase or purchases for what is in the account. This is totally unacceptable as those are my funds and I should be able to do with them as I please and when coming from a connected bank account should not take 2 weeks to get. At this point I just want my money returned. With having this much problem why would I send them another {$5000.00} which I don't have to begin with.
Product: Credit reporting or other personal consumer reports

I Just came back from a XXXX  trip on XX/XX/year>. Upon getting back I looked at my credit report and found that somone has used my identity to get credit cards, car loans, and other other loans. I listed these documents that are not mine.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is an account that has been on my credit report for a while now. I have been calling and writing/uploading dispute letters to Experian for a year now. On different occasions, I contacted XXXX XXXX XXXX XXXX and they do not have any of my information on file ( account is stated closed on my report ). Experian has not been able to provide me with any documentation etc. 

Date open : XX/XX/year> Status : closed; transferred
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous letters disputing an alleged bankruptcy that this company continues to erroneously report on my Equifax consumer report. I have given them ample time to rectify this issue but they continue to report this information as verified. I have sent them multiple requests to delete the information because of inaccurate information. They continue to report the information as verified and correct. I have submitted supporting documentation to prove that the information they are reporting is inaccurate, still, they refuse to delete the inaccurate information and continue to report it on my consumer credit report. After viewing my Equifax consumer credit report, I noticed that they claim to have gotten the alleged bankruptcy information from a third party collection agency named XXXX XXXX. I have reached out to XXXX XXXX to get a copy of my XXXX XXXX Consumer Report. Under Section 9 which is the public record section, there is no bankruptcy listed on my XXXX XXXX consumer report. I pull the XXXX XXXX report on XXXX-2020. However, in XX/XX/2021, they are still replying to my dispute as accurate and verified. I have sent Equifax the supporting documents as proof of no Bankruptcy listed on my XXXX XXXX consumer report and they still continue to report the item as accurate and verified.
Product: Credit reporting 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 Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 crimes 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.