23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it. 
I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been years ago that I informed you that 2 of the 3 addresses you have on my credit report are not mine, I have never owned, rented, leased or lived at XXXX XXXX XXXX. XXXX . XXXX, XXXX, Texas XXXX or XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX, XXXX. 

Further, the information on the credit report shows me all but the last 4 digits of each credit card, and does not include the name or at least the initials on those credit cards. The last 4 digits would possibly be more help to me than any of the other numbers of each and at least the first and middle initials would definitely be of a big help, since you have addresses I have never lived at I have a suspicion some of these credit cards also belong to other people also. 

I also have no doubt that these errors would also appear on my wife ( XXXX XXXX XXXX ) report also, XXXX, as myself have resided here at XXXX XXXX XXXX, XXXX, Texas XXXX for the past 41 years and never resided anywhere else in that time frame. If you can correct my report can you also correct hers. I doubt this because if you can or will why didn't you do it years ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Notice on my XXXXXXXX XXXX thru XXXX XXXX, NEW hard Inquiry. XX/XX/scrub>XXXX XXXX  Showed XXXX XXXX XXXXXXXX I guess this is a XXXX Acct. credit limit {$750.00} I called and they did close it. 
I received in mail like XXXX days later showing my new acct info with my address BUT not my EMAIL? Also Appears like a phone number almost identical to mine was used as well. 
I have froze all XXXX accts with XXXX XXXX XXXX XXXX more days later got a inquiry from XXXX asking for info on this XXXX acct that was opened. This is where I am at. I was told I should file a report with you all as well. Just worried and trying to do the right thing here.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not follow procedures to validate and verify the account from XXXX XXXX XXXX. EXPERIAN did not conduct proper investigation before or after disputing this account.
Product: Checking or savings account

On XX/XX/19 received an alert that a possible fraudulent charge of {$85.00} had been made to my checking account. Contacted financial institution to make them aware that I did not use my card at said merchant or give anyone permission to use my account in the amount of {$85.00} and that I had had my card the entire time. 
A dispute was opened by my financial institution for this charge/amount on XX/XX/19. Payment was pending until XX/XX/19 and the bank stated they were unable to do anything while payment is pending. {$85.00} was officially taken out of my account on XX/XX/19. I again contacted my bank concerning not having access to my funds, to which they told me that it would be an additional 4 days until a reimbursement could be made to my account. As of XX/XX/19, no reimbursement has been made to my checking account, preventing me from paying any necessary bills.
Product: Debt collection

Out of the blue, debt collector TrueAccord sent THREE emails to me collecting THREE separate debts from the SAME utility company, XXXX XXXX, with whom I have not had an account for over seven years. TrueAccord also alleges that one of the debts was from XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX where I have never even lived. One amount is account number XXXX for {$210.00}, another is acct # XXXX for {$160.00} and the last is account number XXXX for {$430.00}. I have no idea where they got my name or email address from but I have asked for proof of the debt and have heard nothing back. I am fearful that TrueAccord will or already has marked my credit for a debt I do not owe and will continue to bombard my email address with unwarranted debt collection notices, or even escalate their attempts, as it is not possible to dispute the debt using the link they provide in their email, without providing one 's phone number.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are applying for a refinance on our primary residence. We have lived here 5.5 years and have a ton of equity. We are wanting to consolidate our debt due to my husband being XXXX. All is moving along fine and then we get told we have a foreclosure coming up on our credit report and need to get that removed before we can go forward. We pay {$60.00} to pull both our three bureau reports and nothing shows up at all as it should not. 

In 2009 we did have a foreclosure due to the bank being unwilling to work with us - XXXX XXXX XXXX this was proven in court and we did receive a settlement under this action. 

Not only was that the case, but we went through a bankruptcy so reporting the foreclosure is against the law as the loan was included in the BK although we were making voluntary payments. In addition, this is greater than 7 years old ( should be off the report ) and the BK is greater than 10 years old and is off all reports at this time. 

The mortgage broker said he agreed this should not show up, yet it does and too bad so sad basically. I have no recourse as they will not disclose where this information is coming from. When we purchased this home 5.5 years ago this did not show up at all because it could not even back then! 

This is unlawful and we need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a discrepancy in the total amount of loan I had taken and that I had made two payments on the loan that had not been noted. Further I reported that a former address was not a single family home but no changes were made. The property was my former college address.
Product: Checking or savings account

I have checking and savings account at capital one bank also XXXX XXXX. My account been talleeed wont their are many fraudulent activities been taken place on it. Money been stolen on numerous occasions. I called in all I feed ice was lies, deflection, get transferred from person to person someone got on it and said they were the supervisor And laughing said they will fix it right away and change my accounts insrwa it got worse they close my account and said they no longer wanted to do business with me and it been since XXXX and they refuse to send me my money thats left in my account after they have stolen portions of it every time I calm its a game. I went I XXXX to open an account and it got hacked and ended in a XXXX $
Product: Mortgage

Transparency in their Marketing Material - Bait & Switch. 

Sent me a piece of mail on XX/XX/XXXX with the caption - Escrow Refund Benefit Allotment Notice. 

I assumed my escrow had extra funds in it and i was going to get a check back from them. It tells me about " Your Economic Benefit '' and that this is a VA-1211 Benefit Allotment Notice. 

It tells me that my new payment has been calculated to {$1300.00} and that i needed to call them to reserve this figure. 

Then in big black letters it tells me i have an " EST. ESCROW REFUND AMOUNT : {$3200.00} ''. 

So i call the number to see what's up, no one picks up - so i hang up and within 30s i get a text from a guy named XXXX XXXX NMLS 237073 ( only reason i know this is because he took a picture of his business card and texted it to me ).

While i was reading his text, i look back over the mailer because something didn't seem right and started reading the super small fine print, which was a whole 3 lines ... and it tells me that they this is not a refund of any sort, but that they would  change my loan to a 2.75 % 3 year ARM ... XXXX would i want an Adjustable loan? I have a 25yr Fixed rate loan at 4.25 % ... and XXXX would they tell me I have an Refund but then turn around and try to refinance me? 

Companies like this who blatantly target veterans should be taken out back and put down.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.
Product: Debt collection

I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt
Product: Debt collection

Received notice from First Federal Credit Control XXXX, a Debt Collection agency and responded with a Notice of Dispute. 
Requesting the following information. 
1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents that show I agreed to pay what you say I owe ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. 

Received a call from collection agency who said they received my notice and are not required to provide any of the requested information and would not be sending anything. They put a late notice on my credit report despite this not being a valid debt and receiving Notice of Dispute.
Product: Debt collection

On XX/XX/2021 I received via US mail a communication that was post marked XX/XX/2021 from DNF Associates. Upon opening this envelope, the contents were found to be several credit card statements from a " XXXX Mastercard '' company. There was no letter addressed to me nor an explanation of why I was receiving this communication from DNF Associates. Upon further review, I have come to the conclusion that I am unfamiliar with the information which was sent nor have I been associated with " XXXX  Mastercard '' if this account was opened, it was opened fraudulently without my consent. If this communication is an attempt to collect a debt, DNF Associates failed to advise me of this.
Product: Debt collection

Dear AMERICAN EXPRESS ; Cfpb ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card

I had a Home Depot credit card for years with a high creditlimit and never fell behind, always made more the minimumdue and all of a sudden without warning I got a letter froma collection agency saying my card was shut off accountclosed and I owed my balance asap or it was gon na ruin mycredit. So while I was talking to the people I asked them whythis happen what have I done ive been a perfect customerand could n't tell me. So right then they said if you pay thisamount they will wipe it clean so I did exactly that.. Thereceived what they asked for within 5 days. so I calledhome depot I honestly was very devasted and could n't understastand what happened. So I called and called finally reachedsomeone back at the collection agency because home depotwould n't talk to me that because a user on my card XXXX who has never used my card or had possession ofa card filed bankruptcy, which he did n't fall through with hehad to do it over a short sale because the mortgage companywas being a jerk even though we had a signed short salecontract for more then what was owed to XXXX theywere being jerks ... So I feel that it is n't right that this happenedI did nothing wrong and his bankruptcy which can be lookedup was never followed up with we had to do it cuz alawyer told him too ... So please look over and help me out..Ido n't see why it should be bad on my credit report. I wouldhave taken his name off hes never used my card ever! Theycan check theres XXXX different numbers on the cards ...
Product: Mortgage

My mortgage payments have been automatically withdrawn for 20 years. Summer of XXXX my bank XXXX XXXX XXXX  ) was bought out by XXXX XXXX. For the next year, Shellpoint continued to get my automatic payment from XXXX XXXX  for the next year until XXXX when they tried to take my payment from XXXX XXXX  ( which had now been closed for a year ). When I received the NSF notice I called Shellpoint and gave the payment over the phone on XX/XX/XXXX. They are saying that payment was also NSF. I sent in documentation via fax and their website from my bank proving the payment was made. Since XXXX I have called, emailed, and filled out multiple complaint forms trying to rectify this issue. I received several letter stating they were working on it. Today ( XX/XX/XXXX ) I received an email stating my payment on XX/XX/XXXX was NSF and documentation would be attached to the email. No documentation was attached to the email, no reason was given for the determination, and I have yet to speak to a customer service representative that can fix this issue. In the meantime, my credit score has been severely affected.
Product: Debt collection

XXXX debt sold it agin to credit control account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/XXXX closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order for there to be truth in lending and for me as a consumer to get the best rates possible reports should be 100 % accurate. Attached you will find screenshots of my reports