23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I kept receiving a call from commenity bank saying my balance is past due. I couldn't understand why because i paid my last statement XX/XX/XXXX. They said i signed up for account assured. I said to the representative that I did not sign up for account assured. My statement said I've been charged a monthly fee, interests, and late fee for account assured. I submitted a dispute and told them that i did not sign up for account assured. I told the representative that if i wanted account assured i would have signed up for it. I see it all the time and ignored the account assured. My phone has been signed in with an unknown device and i had to change my password with XXXX. I asked XXXX to help me identify the devices and XXXX was unable to do so. XXXX told me to change my recovery phone number and email address. Change my password and sign up for the 2 step factor for security reason. All of a sudden i am getting phone calls from comenity back about a bill past due. Please help. I have pictures.
Product: Mortgage

I have underwent a home loan modification with CitiMortgage. The agent explain to me as long as I make the XXXX payment ontime they will not report me negative to the credit bureau 's. But overall, I have been trying to get this matter cleared up since the long modification went through on my home. I made all payments on time and have not been late on payments since this modification. I have yet to get Citi Mortgage to hold their end of the agreement to make a correction to my credit report. Please help in this matter. I have been hung up on by several rep 's with no showing of concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the third time I will have had to have the negative information removed for the same issue, previous XXXX dispute XXXX account in question is -Accounts receivable- on my trade line with XXXX. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my XXXX  credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my XXXX credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.
Product: Debt collection

VALIDATION AND CEASE AND DESIST RE : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FOM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card or prepaid card

On XX/XX/XXXX I had my credit scored pulled to purchase a home for my wife and I. My score was extremely low because there was a charge off credit card from Wells Fargo. We never use that credit card and we always watch our bills to make sure payments are conducted on time. Apparently there was a purchase made on XX/XX/XXXX for a renewal from microsoft which we cancelled and they still charged, we never received a payment notification from wells fargo for the XXXX charge from XXXX. No phone call no e-mail, nothing. Now that we are trying to purchase a home it 's become impossible because of this one card and a charge we were never notified off.
Product: Debt collection

Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
Product: Credit card

While I was in Ohio for my fathers funeral I had to change my phone number. I tried to get back into my Upgrade account and apparently the only way I can verity my identity is a code sent to my phone number. I emailed Upgrade and told them I changed my phone number and needed to get into my account. They wanted me send to them a photo of my ID front and back and a selfie while holding a note with my account #, limit, XXXX, and the date. Because I didnt have paper statements I then had to email a different branch of customer service for a statement with the info I needed. I took the photo and sent them everything. They then said I needed to list both accounts on the note in the selfie. Which I dont have access to. They sent me another email saying I had to request this info from them. Ive decided to leave it alone and let the account stay locked. I have automatic payments so I will just pay off the card and never use it again. Ive never experienced anything like this and it feels very sketchy. I will also add when I called customer service I confirmed my identity over the phone and they should have given me everything I needed over the phone. I will warn everyone to stay away from Upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting on my credit an account opened in XX/XX/XXXX, classified as adverse account ( exhibit 1 ) updated in XX/XX/XXXX that was not in my credit prior to that date. It is described as individual second real state mortgage with late payment of 150 days, I haven't acquire any house mortgage with XXXX. I went to the bank on XX/XX/XXXX and ask for origination verification evidence of the debt, XXXX XXXX XXXX told us that it was too old to have evidence on hand. On XX/XX/XXXX I send a dispute and verification letter to XXXX ( exhibit 5 ) and again in XXXX XXXX ( exhibit 9 ), at this date only 4 collections letters I received ( exhibit 7 ). Forty-five days have pass and my FTC under FDCPA rights are been violated also the DACO in Puerto Rico Commonwealth Law 364, Art 5 to 9. Its a time-barred debt and an inactive account should not be over 10 years in the credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account shows late payments and the account is auto payments with no NSF
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

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

In accordance with the Fair Credit Reporting act XXXX  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 XXXX. # XXXX XXXX XXXX XXXX XXXX  XXXX ). # XXXX XXXX  XXXX XXXX ). # XXXX XXXX, XXXX ) > # XXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Money transfer, virtual currency, or money service

I can't link my PNC accounts to my XXXX account when I don't have a debit card so I have no way to acces the funds in my PNC accounts.
Product: Student loan

XXXX XXXX University sent me a student federal financial aid stipend in the form of a check that was over XXXX XXXX dollars and that check never made it to me. When I notified XXXX XXXX XXXX, I was told I was on my own, even after I made a police report, and filed a ton of complaints due to the identity theft, fraud, and forgery. I have repeatedly tried to ask the school to do the right thing, report the fraud, and reissue the check, and I've even asked Aidvantage to discharge the loan amount that never made it to me. No one wants to help me, and it's not right I pay back a loan that never made it to me that was sent by XXXX XXXX XXXX. Aidvatage Fraud Department told me that XXXX XXXX University needed to report the fraud since they were the issuer, however the XXXX refused to do so. The detective in Texas XXXX  said he can't do anything because the XXXX told him they couldn't determine a victim which is absurd. The individual who did this has pending charges for all the things she has done to people, which is in XXXX XXXX, Texas at the XXXX XXXX. I am awaiting the DA to contact me so that I can send him all this proof I have so that they can add to their evidence for prosecution. All I ask is for my loan servicer cancel the portion that was stolen, or for XXXX XXXX University to reissue the check. No one seems to want to do anything about it and I have been chasing my tail for a month.
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent dated XXXX/XXXX/2020, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ).
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted by a debt collector called Unfin for an amount that I do not recognize. They have sent multiple text messages but do not say who the debt is for. I do not acknowledge or recognize this debt in any way whatsoever and further online research seems to indicate that they are fraudulent.
Product: Credit reporting or other personal consumer reports

After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXXXXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit score go down XXXX points for a card that wasnt mine. I disputed it and they removed it from my credit report but I never got my points back on my credit score. 
I called XXXX XXXXXXXX and had my name removed from the credit card what wasnt mine and the way removed it and I did the dispute on the experian site and won both and no points have returned.
Product: Credit card

I received a home repair loan from the USDA Rural Development in XX/XX/XXXX so that I may age in place. The Contractors work was delayed. The loan officer at the USDA Rural Development Office changed the date on the Contractors Agreement reflecting this change but never changed the date on my Promissory Note as required by the USDA Rural Development Handbook RD-HB 1-3550 paragraph 8.8 ( B ). When the work was completed on XX/XX/XXXX, the loan was set into motion and I was immediately past due before I had even received my first billing statement. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the USDA. The USDA changed the date on the Promissory Note and have since removed the errors. I have also consulted with a Consumer Attorney on XX/XX/XXXX who reviewed all three Credit Reports : XXXX, XXXX and XXXX and found no derogatory information. However, because of the USDA reporting errors, Wells Fargo has reduced my credit limit from {$6000.00} to {$1200.00}. Therefore, my credit utilization is now showing high, I.e., very close to my card limit. I have been a member of Wells Fargo since XXXX. I have never overdrawn my accounts or made late payments for any of my bills. If you review my accounts you will see there is not one late payment. The USDA loan payment is {$41.00} a month and it will be no problem to handle that payment. I would not have agreed otherwise. The USDA error has caused me grave distress. Wells Fargo is adding salt to the wounds by greatly lowering my credit limit. I do not need a {$6000.00} credit limit but would like to have you raise it more than {$1200.00}.
Product: Payday loan, title loan, or personal loan

This company charges an inordinate amount of monthly fees on a basic line of credit. They are essentially taking XXXX dollars a month from me from a XXXX loan. I have never seen such a predatory company and am surprised they can give XXXX percent interest loans without any government interference. This is predatory at best and criminal at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX  BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or  anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Capital One Platinum Credit Card. On XX/XX/2022, my request was denied.
Product: Credit reporting or other personal consumer reports

There are numerous accounts on my credit report that are not accurate, I have two accounts from mortgage companies that are not reporting the right information about my payment history and these accounts are over 6 and 7 years old. I also have accounts from collection companies that have never shown me any information where I send paperwork with them agreeing to pay them the debt they claim I owe them. There are charge off accounts that reporting the wrong amount that I actually paid off. The inaccurate information on my credit report is very bad and is holding me back from being able to buy a home and a car. Theres two accounts on my credit report that dont even have any information who i potentially owe money too but theres a collections on my report for them.
Product: Payday loan, title loan, personal loan, or advance loan

I paid the loan in full. Theres a glitch in their system that shows I have a pending payment from XX/XX/2023. That pending payment is preventing the loan account from closing. The loan was paid off on XXXX XXXX and Ive contacted them several times. They claim theres a ticket open with their dedicated team and quoted me 3-5 days for a resolution. Then another 3-5 days, and yet another 3-5 days. A supervisor told me they were going to personally work on this to get the resolution taken care of but thats been three days now. Until I close out that loan, I can not open another one with them and that is my ultimate goal and theyre preventing me from doing that
Product: Debt collection

One company send me a letter in XX/XX/year> for the same alleged debt XXXX I disputed in right away and legally own it and they stop remove it from my credit report and now a second company for the same alleged debt is now XXXX the amount changed i send XXXX letter they refused to give me the information I asked for
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : [ Your Contact Number ] Email Address : [ Your Email Address ] Social Security Number : 7004 Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies and collection agencies regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws due to identity theft and failure to update my personal information. 

Nature of the Complaint : I have been a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests, my personal information has not been updated as required by law. Furthermore, I have been denied access to my credit profile, which further substantiates my claim of fraudulent activity.
Product: Debt collection

They've been calling everyday since XX/XX/2024 to XX/XX/2024 ( and probably beyond ). The action I am taking is simply writing this to inform whom it may concern to be aware of the possible money-grab being initiated during the holiday season with an uptick in phone calls than before. They've also called from different numbers multiple times, even from a " Prison/Jail '' number ( XXXX ). I am pretty sure that the actual jail facility is unaware that their number is being used in hopes of scaring individuals into answering the phone. The actions the company is taking is massive amounts of phone calls to which they will record your voice without your permission, keep it on file somewhere, and then continue to call in order to get other information out of you.
Product: Credit reporting or other personal consumer reports

I had an investigation done by XXXX to remove a {$9800.00} collections debt on my report which they did remove it but that collections debt is still showing up on my Experian and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the massive data breach from XXXXEquifax, were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information