23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018. 
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}. 

I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA. 

I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.
Product: Debt collection

EOS CAA told me that they were unable to send an email receipt or documentation because of a CFPB Massachusetts law. I looked it up and this was not correct. I am concerned about the company ( 2 of 4 representatives ) lying about the law in order to prevent me from receiving documentation on prior payments made to the company. Especially considering that I believe that I payed the new debt claim that they are stating that I owe. They specified that it was illegal for any collection agency to email me in any capacity.

Ironically in order to dispute the claim the wanted proof - the same proof they were unwilling to send me via email. 

I am unable to protect myself and it seems to be predatory behavior to only provide proof that I paid via snail mail. They are purposely not allowing consumers the ability to protect themselves in case they need to provide proof of payment. 

Hopefully you will be able to receive the recordings. 

I spoke with XXXX - employee number XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to make corrections to the personal information reporting on my Trans Union credit report. There are several addresses that do not relate to me. My only address is XXXX XXXX XXXX XXXX, NJ XXXX. Any other address does not relate to me and should be permanently deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute the Sychrony Bank/LOWES account several times with XXXX, XXXX and Sychrony Bank as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from Synchrony Bank and they have refused to provide it. I have requested that XXXX and XXXX Delete this account because Synchrony Bank has refused to validate this account by sending me the Origional contract. XXXX and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am having trouble getting my mortgage company to pay the correct real estate tax bill On XXXX, the mortgage company paid a tax bill for {$8100.00}. I am not sure what they paid but that it is not the taxes for the property in question. 

The taxes for this property are only {$4100.00} https : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/balance I contact them on XX/XX/XXXX, XXXX and again today XX/XX/XXXX. They are ignoring these requests They have now increased my mortgage payment from {$1500.00} to {$2400.00} to cover the escrow shortage, but again, they haven't even paid the right bill.
Product: Checking or savings account

XX/XX/ I had to go out of town for an emergency Im in another town and I try to get gas because i was stranded and my card wouldnt work i had to bum like a homeless person to get help needless to say i got another card XX/XX/2024 and now again due to a security reason which i asked and asked what security reason as i wasnt having any problems with my card and it wasnt stolen or anything else they cancelled this card for security reasons they refuse to explain again i wasnt having an issue they also keep charging me fees for withdraw after the atm charges me. They have been holding my moneys from my SSI GOVERNMENT CHECK FOR ALMOST 2 WEEKS I HAVENT BEEN ABLE TO USE THE OLD CARD AND NOW THE NEW CARD THEY WANT ME TO WAIT YET ANOTHER WEEK MEANWHILE I HAVE BILLS AND I WAS LEFT STRANDED BECAUSE I COULDNT GET TO MY MONEY NOW I CAN NOT GET TO THE DR OR ANYTHING DUE TO ME NOT BEING ABLE TO USE MY CARD OR ANYTHING.
Product: Debt collection

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Recently i started receiving text messages, emails and phones of this debt that is not mine COLLECTION MANAGEMENT CO needs to stop. im not sure why there saying i own {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection company about a debt, they have sent me a letter proving they reported the collection as being paid. I believe it was only XXXX dollars The derogatory mark is still on my report. I paid this back in XXXX of 2018. This is hindering my credit score and holding me back from my goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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

XXXX, Transunion, XXXX has furnished inaccurate information, illegal inquiries, and has caused significant injury to my character, my report, and has affected my ability to extend my credit; for personal use. theyve allowed XXXX XXXX XXXX XXXX violate multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/2024 a debt validation letter regarding XXXX XXXX XXXX in the amount of {$790.00}, and a statement was sent. the major XXXX reporting agencies has allowed these inaccuracies to go on unchecked, and ive had to stress myself to make sure everyone comes with clean hands and so far met with dishonor. XXXX USC XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX USC XXXX ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXXXXXX ( A ) ( 1 ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. they have a DUTY and OBLIGATION to maintain accuracy and privacy. Exemption : the process or state of excluding or being excluded.
Product: Checking or savings account

To Whom It May Concern, I was hired as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' located at XXXX XXXX XXXX, XXXX, FL. On XX/XX/year>, I was asked by the XXXX department to deposit a XXXX XXXX XXXX check for {$7300.00} into my JP Morgan Chase account to purchase office equipment. The reason provided was that employees would own the equipment after the probationary period, saving paperwork. After the check cleared, I was instructed to make two wire transfers : {$4800.00} and {$2500.00}. The transfers were completed by XX/XX/year>, with a {$25.00} fee per transfer. Soon after, I was asked to deposit another check, claiming it was for discounted equipment. I questioned why the funds already transferred werent sufficient but followed instructions. When the new check was placed on hold, I refused to use my own funds for purchases. Later, I was notified by my bank that my account was overdrawn by - {$5600.00} plus my initial {$1600.00}, and that the initial check had been deemed fraudulent. Despite contacting the fraud prevention department, I found my balance locked, and I might be held liable for the wire transfers, which would overdraw my account. I refuse to accept responsibility for this as the bank made funds available from the deposit of the first check. If this did not take place, none of this would have happened with the wire transfers. I can provide documentation such as my Employment Offer Letter, welcome email, and my correspondence with the HR representative. My claim with the bank was denied and the wire transfer department has notified me that the wire transfer recipients refused to send the money back. This incident has been reported to the FBI, local police ( Incident # : XXXX ), and the FTC. I would like to recover my initial balance prior to the incident in the amount of {$1600.00} as a resolution of this issue. Please let me know if you have any questions. If the bank did not make the fund available the situation with wire transfer would never had happened, regardless of whom initiated the wire transfers. I files a complaint with XXXX and the bank showed a complete lack of interest to resolve this issue blaming it on me. When the first check was deposited I called the fraud department and inquired if this check could be fraudulent and was told that if this is the case, I would not be help responsible because I have been a long time customer with the bank. I also Complained to FBI, Local Police, XXXX.
Product: Mortgage

Every single month we have to call Newrez numerous times to allocate our payments correctly because each time, they do not apply our payments and we are almost late due to them putting all of our payment into principal only, thereby leaving the payment due for the month unpaid. We have to sit on the phone for hours ( while trying to work our jobs ) to get them to apply the payments correctly. I have repeatedly requested I have the ability to apply my payments how I want them ( correctly ) via their online portal, but to date they have refused to allow any consumer to allocate their own money. This is an ongoing problem that Newrez has failed to resolve. We did not choose them ; Newrez was acquired by XXXX, whom we never had any problems with. Now we have to constantly worry about taking many hours out of our time at our jobs to call them and that our credit will be ruined because they are inept and refuse to do a thing about this. None of my ( nor anyone else 's, as MANY complaints exist on this company ) complaints about this have ever been addressed successfully.
Product: Checking or savings account

On XX/XX/XXXX XXXX Thursday evening I had went to Chase bank on XXXX XXXX in XXXX XXXX, New Jersey to open an account. 
The lady who helped me was very helpful and briefly explained to me the procedures on opening a checking account. 
Before reopening the account she had called customer service asking them if I am eligible to open a Checking account for a debit card. 
I had chase years before and they closed it in XXXX due to having an old coworker of mine asking me to put a check in for her into my account. At the time I has asked her multiple times about this check and she said it was from her " family company '' I didn't bother to think she would scam me in any way. So after she put the check in I received a letter few days after saying they were going to close my account. When I spoke to her she had blocked me and I haven't heard from her since. This year I needed my account bad due to receiving unemployment and I need an account to deposit my cash from working as a XXXX. When I went in person everything was fine and they opened it up and I was even able to deposit some cash to start up. 
I just received a letter today XX/XX/XXXX stating they will be closing the account if I do not get in contact with the customer service. So I called. When I called whom I spoke to told me to get in contact with law enforcement about the scam. so they can have the person who scammed me confirm the check. At this point im furious because nothing is resolved. And the person who did it scammed me and just XXXX MADE NO SENSE so I asked " okay after I file this report, you want law enforcement to look up this girl for her to call you and tell you that she scammed me? " the line I Called from chase account transferred me to the " Fraud loss Collection '' He was VERY rude and told me to look for the third party to verify the check she put into my account. After telling me that he also stated that even with all that done that im still not able to open an account until they have this third party they scammed me. 
They just kept giving me the run around, and at that point I just had the whole conversation recorded just incase. So I asked for them to send me a picture of this check and he said " we can't do that due to it being a closed account '' at that point I just completely lost it over the phone and said so how in the XXXX am I suppose to resolve this?!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all XXXX credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all XXXX of my reports. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX 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

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I refinance my vehicle with wellby. They in bad faith promised insurances for XXXX  XXXXXXXX XXXX XXXX XXXX  this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next XXXX years. 

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance XXXX times. 

The medical insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXXXXXX XXXX XXXX XXXX  they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with XXXX, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.