23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have dealt with this company in the past when they were threatening to sue me for a debt that was taken care of. At that time they threatened to put a lien on my bank accounts. 

On this most recent call, from an " unknown '' number the lady that I spoke with told me she was collecting 'location information '' becuase they getting to file a XXXX with the IRS and Garnish my wages. This is for a previous debt that was cleared up in the past. When speaking with her she never informed me this was an attempt to collect on a debt. 

I told her the debt she was discussing was already settled and cleared up. She disagreed.I told her I would have to consult with my wife for clarification of the matter. This lady said I had until noon to tomorrow otherwise she was going to file against me to garnish my wages. 

As I spoke to her to get her follow-up information she told me her name was XXXX XXXX with Worldwide Asset and if she didnt hear back from me by noon tomorrow she would file a " XXXX to trigger garnishment ''. She said she is located in XXXX California, She offered to settle the debt with me if I paid tomorrow for 80 % on a XXXX full payment or she would accept XXXX payments at a higher value. 

I dont have her phone number in my file to contact them. 

I recall the last time I had to put up with their scam that they pulled a hard credit check/report on me and ti really hurt my credit score. My wife and I are presently in the process of buying a new home. The offer and preliminary contracts have already been filed. I can not afford for this group of scammers to do the same XXXX to me, or worse, as they have show in the past they will do.
Product: Checking or savings account

On XX/XX/2020 I was sitting outside of a restaurant when a gentleman came up to me and said excuse me sir I dont mean to bother you, Im just in a predicament right now, and was wondering if you could help me out. Being that I grew up in a low income area Ive always been taught to not judge a book by its cover and try and always have a kind heart. So I said what can I help you with you boss? He said, you wouldnt happen to have a Bank of America account would you? I said yes sir as a matter of fact I do. 
He told me he didnt want to pay the Check Cashing place fees to cash his check, and it was after bank hours, I believe it was around XXXX or XXXX? 
So against my better judgement, I helped him cash his check. And the next day I saw where the check had bounced. 
I felt so stupid. And thats not even the worst part! Ive gotten scammed like this ( the exact same way ) with 2 or 3 other banks! The only reason I didnt do anything about the situation on all 3 or 4 occasions, is because the amount that the scammers took out in my name was so large I just felt hopeless. I didnt know where to go, who to talk to, what to do. But now that Im starting a new career, I need to open an actual checking and savings account, and I cant, and Im assuming its because the banks think Ive been scamming them.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Debt collection

I contacted the company asked for the contract they only sent a bill it's not my bill
Product: Credit reporting or other personal consumer reports

i sent usps certified mail letters on XXXX, to transunion, equifax, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX   XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to TransUnion on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.
Product: Bank account or service

I wanted to stop payment on a filthy hotel room and could not
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I PAID {$190.00} & on XX/XX/XXXX I PAID {$800.00} directly from my Bank to XXXX. Around XXXX of XXXX a judgment was made with the County Clerk. I had been trying to figure out what happened to the 2 payments that I made XX/XX/XXXX & XX/XX/XXXX but I could never get any answers. No one seems to have any answers. I called XXXX they won't communicate with me saying it's a Collection Issue and provide me with no answers. I was trying to deal with Forster & Garbus for years and they gave me a hard time. I decided to just Pay what they claim I owe even though No One has Answers for me regarding the previous Payments Not Accounted for which is very confusing. 
I completely PAID off the Judgment with the last Payment of {$970.00} which I made on XX/XX/XXXX through the Collection Agency FORSTER & GARBUS Website payfgny.com but I have still not received any notice in the mail nor has the County Clerk received a Satisfaction of Judgment. I have tried to call Forster & Garbus several different times, it is very complicated to get through but when I have, leaving voicemails as well as recently a secretary taking my callback info but I have still not heard back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For a year Capital One has been sending my late mother, XXXX XXXX XXXX DOB : XX/XX/XXXX DIED : XX/XX/XXXX letters that she has been preapproved for a Venture credit card. She can not opt out to receive this letter because she has been die over thirteen years.I have a living XXXX year old cousin that live in gov. housing and have had XXXX XXXX that receives these letters, also. If my mother was living what would a XXXX year old need a credit card to earn travel miles and on XXXX????
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.

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.
Product: Mortgage

I have an escrow account with my mortgage. I received a cancellation notice of my homeowners insurance and called the escrow dept and they stated they had no record they were to pay the insurance. I had slipped through the cracks\!! They ended up paying XXXX annual premiums. Then my property taxes were due and I was assured my taxes would be paid. However, it created a major deficient in my escrow account. During that period, they did an escrow review and notified me XX/XX/XXXX, my payment was increased {$100.00} in XX/XX/XXXX- not even XXXX days notice. My payment does not need to be increased. It was only because of their error the mess was created. Their mistake and I am penalized. Then I received another notice my payment would be increased {$100.00} in XXXX, 2015 to correct the escrow account. The insurance company is to return the overpayment to me but I have not received it. As soon as I receive it, I will correct the deficit on the escrow account. In the meantime, the company has sent me the statement for XXXX, 2015 adding an additional payment of {$45.00} I presume is for the escrow account. I am informed that when the deficit amount is brought current, I can request to eliminate the escrow account which I plan to do. But what do I have to pay until then? Not my mistake and yet I have to be penalized. Customers who have not missed a payment nor been late with any payments, should not be treated this way. They violated the rules and are trying to make themselves look blameless and blame the customer.
Product: Credit card or prepaid card

my payments were on autopay but somehow the payment didn't go through ive had this account for years and all my other payments have posted
Product: Credit card or prepaid card

XXXX XXXX one of them XXXX XXXX and it was some other businesses and companies that I applied for a credit card and they denied me
Product: Debt collection

Hi, In regards to our phone conversation I am emailing to dispute the unfair collection of {$1400.00} from me by XXXX XXXX college through XXXX XXXX XXXX. 

In my defense, I asked XXXX online chat assistant to help me with information about available courses for a XXXX program through XXXX XXXX College XXXX XXXX. Later that day the system was not working ( their online registration link ). I tried to register and was unsuccessful then I called XXXX help desk and found a lady who offered to assist me. 

In the process of registration she disclosed to me that it would be expensive to take just courses if I was not going to complete XXXX XXXX program. This prompted me to WITHDRAW all the courses she helped me register for during the phone conversation ( someone yesterday on call told me that he was able to see that I withdrew from the courses ) You can see attached Pdf too shows that courses were dropped. 

Further, XXXX has claimed to be sending me emails and mails in regards to this courses of which I never received any information from OCC via email or mail or phone. I am not a student at XXXX. 

I think this is unfair treatment by the XXXX college to force me to pay for classes I have never attended and a school I have never been a student at! The online customer service from XXXX should deceist from creating prospective students account numbers and registering them on courses against their wish. 

I will appreciate your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint to the 3 bureaus regarding to the incorrect information on my credit report. They just ignored my complaint and no actions have been made.. If they continue continue ignoring my complaint I will file a case against them and demand a compensation because of the damaged they been caused in my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which was generated on [ XX/XX/year> ]. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that these inaccuracies be investigated and corrected, or removed if they can not be verified. 

Below is a summary of the issues I have identified : XXXX. Accounts with Inaccuracies : XXXX  XXXX : Account ending in XXXX shows a charge-off of {$680.00}. This amount is disputed as inaccurate and requires deletion. 
XXXX Bank : Account ending in XXXX reflects a credit usage of 108 %, which is mathematically inconsistent with the listed credit limit of {$300.00}. 
XXXX. Collections : I dispute all collection accounts listed, including : XXXX Funding ( Account ending XXXX ) These accounts are outdated or unverifiable. 

Please conduct an investigation and update my file within 30 days. Provide written results of your investigation and a free updated copy of my credit report. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to the company as they violated federal law reporting my payments as late to the credit bureaus. I have never given them permission to release my personal information which again violates federal consumer protection laws. They have reported me as late with payments. I want them deleted off of all the credit bureaus reports.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations according to the FCRA to conduct a reasonable reinvestigation if disputed information on credit reports, leaving inaccurable or unverified accounts unresolved. The CFPB has recently filed lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed inaccurate information or accounts.
Product: Credit card

I have been paying prosper credit card every month. I have always paid before the due date. due date is the XXXX of every onth, I pay on the XXXX or XXXX of every month, the XXXX card company tried to say I had lat payments, I never had a late payment or a decline payment. I told credit cad company to close account, since they are scamming me on payments, XXXX the refuse to close account then when they finally close account the changed my minimum payment to a higher minimum payment, & they also refuse to send me a statement every month or allow me access to closed account to pay them off. this credit card company is also fraudulently reporting me as having late payment, when in fact I have never had a late payment or a missed payment
Product: Mortgage

I am selling my home on XX/XX/XXXX. My XXXX payment was auto drafted on XXXX ; on XXXX I called to cancel my auto draft so that it would it not draft in XXXX. Well 9 days later XX/XX/XXXX ; I payment was drafted again and it overdrew my acct. I called to ask them to reverse it and they state that it would take 3-5 business days. Well I have bills due tomorrow but now I will not be able to pay them and they are not assisting me for their error. Mind you I called in to cancel with a live person and instead of canceling my auto draft he changes the payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my request to remove such erroneouss items on my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the following items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are fraudulent and needs to be removed immediately 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Transunion sent reinvestigation results FILE XXXX for the errant account XXXX XXXX XXXX XXXX XXXX which they state are " verified and accurate ''. I demand Transunion state clearly their methods of verification. 

How can the account be accurate if date open is inaccurate, date last active is inaccurate, the date last reported is inaccurate. This is grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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, 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. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.