23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The incident/phone call in question began @ XXXX XXXX on XX/XX/XXXX So tonight at approximately I received a phone call from my mobile device at XXXX XXXX, I ignored the number as it was listed as " unavailable. '' I work in a XXXX and at XXXX XXXX, an employee from another unit brought me a piece of paper that information containing a name and number : XXXX XXXX was the name and the number was XXXX with an extension of XXXX. I called the number not knowing who would be calling me. XXXX answered the phone and said he was from Midland Credit Services and stated that he was reaching out to me settle a debit of a little over 600 dollars from a XXXX XXXX credit card. He told me that the card was opened up back in XX/XX/XXXX and the last charged used on it was in XX/XX/XXXX. I informed that I have never owned a credit card. He put on the phone with his manager next. I honestly do not recall the manager 's name. He verified my address, my last 4 numbers of my social security number. I insisted that I have never owned a credit card and he began to try and convince me that my wife could be trying to use my information or try to steal my information. He had stated that the last purchase used with this card was at our local XXXX. I again said I do not own a credit card and he said this could negatively affect my credit and I need to get this resolved asap. I went on the offensive and said I find it shady that a credit collection agency would be calling me at XXXX. He said we are the largest debit collecting agency in the United States and insisted that I look up the information on XXXX XXXX and he offered to read the credit card number out to me over the phone. I hung up and called my wife. My wife insisted that she has never owned a XXXX XXXX card and told me to not speak to them and just hang up. I hung up with her and Midland called me back. I told them to not call me back again and he still insisted that he " wasn't trying to pull one over on me. '' and that " I'm not some guy living in a basement. '' At that point I hung up on him and blocked the number. I have read online that they are not an accredited company and that they threaten to sue you. I am very worried as I previous said, I have never owned a credit card and for him to insinuate that my wife was being nefarious behind my back, really upsets me.
Product: Credit reporting

I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX All others were authorized. Thank you so very much.. I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

Lease via Kia Motors. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by Kia Motors credit report update issued on XXXX showing that account was paid in full and has a XXXX balance.XX/XX/XXXXXX/XX/XXXX XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted Kia Motors only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via XXXX and XXXX XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

1. Transunion disputes do not provide information or answer questions 2. Transunion lowers my credit score and reports high mortgage balance when I pay on time and my balance is correct per my lender who sets the payment terms.

3. I've seen 20 point changes in my credit for no reason.

I'm sick of Credit bureaus not taking responsibility when calculating credit scores based on arbitrary standards that have nothing to do with credit reporting. This is not the first time Transunion has been in trouble for doing this.

My FICO score is nearly XXXX points higher than the credit bureau report. Last time I checked Transunion uses the same equation to calculate credit scores, but they can't match FICO score calculations?

It is not fair these credit bureau have no responsibility when they XXXX with people 's lives based on arbitrary calculations that really have no significance compared to FICO scores.
Product: Credit card or prepaid card

I have 2 Chase Credit cards that have always been paid on time. In an attempt to get my house refinanced I paid down my credit cards to get my credit utilization percentage lower, so my credit score would go up. 

After making payments of XXXX they lowered my credit limit by the amount I paid. This caused my credit utilization to balloon to almost 100 % crushing my credit score and now I cant refinance. 

Credit card companies lowering credit limits and the impact utilization has on peoples credit is a crushing combination. This disproportionately affects the people who cant afford to pay down their balance which in turn affects the credit score making things more expensive. Ultimately this will increase defaults and push more people into poverty.
Product: Student loan

Navient is my loan servicer company who I signed up with them in conjunction with a company who is being sued for their illegal practices, the loan they are asking money for is from a school that defrauded me and all of its students the school was called XXXX University a brand of XXXX college. I contacted the department of education because I was defrauded by this school I applied for borrow defense and loan forgiveness I sent Navient a certified letter letting them know they need to contact the department of education in regards to my account, Navient never contacted them. I received notice from the department of education that I have been approved for loan forgiveness because it is a fact and has been proven that that XXXX University committed several crimes and defrauded students and that also the department of education issued predatory loans to students under false pretenses because the schools were proven in court not legitimate and the department of education did illegal things that is why they are being sued as well. Anyway I am writing you because Navient is harassing me and trying to collect money on a fraudulent school loan and you can not do that and Navients practices are illegal considering their is a lawsuit going on with the company that signed me up with them as well as the department of education. I do not want them affecting my credit and harassing me I have the proof of the loan forgiveness now wether Navient likes it or not they have to accept the loan has been forgiven and Navient has no claim to collect on a fraudulent school and it is illegal for Navient to try to collect money in that fashion when it has been proven that the school was a fraud. Also the highlight is that Navient is associated with companies that do loan repayments and those companies are being sued as well. My question is why you allow Navient to continue to operate when they have been sued already for their illegal practices? Navient changes nothing they victimize students trying to go to school to have a better life and that is digusting that nothing has been done with them and they are allowed to prey on people. Please do something! I have proof that my loan was forgiven and I have a receipt from certified mail that I sent Navient to tell them about my account and to contact department of education. I also have a copy from the department of education saying my loan was forgiven. But Navient still continues to harass me which is illegal considering the recent change in events.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer agency prepares a consumer report it shall follow a reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Money transfer, virtual currency, or money service

On XX/XX/2024, I transferred {$890.00} to a non-existent company called XXXX XXXX and XXXX XXXX for a baby grand piano advertised on XXXX XXXX. I used PayPal and was instructed by the scammer to click on " Family and Friends '' rather than " Products and Services. '' For this reason, PayPal contends that it can not take any action which would result in a refund to me. As soon as the money was transferred by PayPal it was converted by the scammer to Euros. I feel that PayPal should have put a hold on this transaction and informed me that it could be a scam.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I'm very aware Transunion, XXXX, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.
Product: Credit reporting or other personal consumer reports

On or around XXXX I contacted XXXX XXXX XXXX after being denied for a home mortage loan for inaccurate late payment from XXXX XXXX XXXX even after are payment extention agreement please see oringinal compalnt in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft back in XX/XX/2010, and someone opened a Discover Bank Account in my name fraudulently. I have disputed this account with XXXX numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XX/XX/2018 but reappeared back on my XXXX credit file in XX/XX/2019. I am very upset because XXXX   is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, Discover Bank keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with XXXX because they are not taking this matter serious, and it is affecting my credit score rating with XXXX, which is hindering me from obtain credit with favorable interest rate. Please have XXXX to remove/block the Discover Bank ( Charged-Off ) account ending in XXXX from my XXXX   credit file.
Product: Credit card or prepaid card

Fraudulent transactions were processed on my card in XXXX and BBVA still has not reversed them appropriately. I have now spent over 5 hours on attempting to resolve the issue and had 6 points of contact with BBVA personnel to no avail. This rollercoaster has included BBVA crediting and debiting my account numerous times, refunding the wrong amounts due to foreign currency exchange rates, sending me a letter that said they determined that some of the charges were authorized by me, sending me another letter stating that they determined all transactions to be fradulent but that they already refunded it ( false! ), not following up on promises to contact me, their online portal not allowing payment of my credit card balance, etc. Refer to a detailed description of the events transpiring since the transactions occured in the attached PDF. In addition to the PDF, refer to attached XXXX extract of the credit card transactions ( supplemented as necessary by screenprints throughout ).
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

GLOBAL ASSET MANAGEMENT HAS BEEN CALLING SAYING I OWE A PAYDAY LOAN COMPANY OVER {$3000.00}! .. THEY MAKE UP FAME ACCOUNT NUMBERS AND HAVE YOUR SOCIAL. I CALLED THE PAYDAY COMPANY THEY SAID I HAD AN OLD BALANCE OF OVER 7 YEARS AGO OF {$250.00}. I TOLD THEM I HAD PAID UP THIS DEBT ABOUT 2 YEARS AGO WHEN THEY CALLED ME BUT THEY DONT HAVE RECORD OF IT SO NOW THIS COMPANY IS CALLING ME BUT XXXX XXXX DOESN'T HAVE THEM AS THE COLLECTION AGENCY AND SAID FOR THEM TO PROVIDE ME MY ACCT NUMBER AND THEY GAVE ME A TOTAL DIFFERENT ACCOUNT AND STATED THEY WOULD START GARNISHING MY WAGES AND CHARGING MY CREDIT CARD WITH THE FEES I OWE THEM. I DON'T HAVE A JOB .. SO DON'T KNOW HOW THEY WILL DO THAT. THIS COMPANY IS SCAMMING PEOPLE THE NUMBER IS FROM MN - XXXX XXXX XXXX ( XXXX ) XXXX. BEWARE!!!!
Product: Mortgage

Specialized Loan Servicing ( SLS ) acquired my mortgage about a year ago. They sent me a letter on XX/XX/XXXX stating that my interest was going from 2 % to 3 % starting XX/XX/XXXX because of a loan modification. I was with XXXX XXXX XXXX  XXXX  for 5 years and there was no modification done. On XX/XX/XXXX I spoke with XXXX at SLS and requested documentation for this modification, he could not find anything nor could he find a note and said he would get back with me, never did. On XX/XX/XXXX Spoke to XXXX at SLS and he transferred me to CA dept got disconnected. Called back and spoke to XXXX he created ticket # XXXX and said they have until XX/XX/XXXX to get the documents to me. On XX/XX/XXXX spoke to XXXX at SLS and he said they found note and will mail but no documents to support the modification. On XX/XX/XXXX spoke to XXXX and I requested to speak to a supervisor, she said a supervisor will get back to me within 24-48 hours, no call back. On XX/XX/XXXX spoke to XXXX transferred me to a loan specialist, was on hold for approx. 10 mins and then a recording came on saying they were all in a meeting. Called back later and spoke to XXXX again and he transferred me to a loan specialist and I received another message letting me know they were still in a meeting. On XX/XX/XXXX I spoke to XXXX and he said we are still reaching out to XXXX XXXX, my old mortgage company. He also said I have a revolving loan which I do not. He was very rude and told me just deal with it. At this point I reached out to XXXX at XXXX XXXX XXXX, she was my case worker for XXXX XXXX XXXX XXXX. She is trying to reach out to them as well. I finally received the Note in the mail and it still has the original mortgage company on it from XXXX when I bought the house. I realize that everyone that acquires your loan should have the Note modified with there name on it and I have had several mortgage companies since XXXX and no one has done that. I would appreciate some help with getting the loan modification documents as well as resolving this note issue. I may be almost XXXX XXXX XXXX but I will not be taken by any company. I have attached SLS documents and apologize for all my notes written on them. 
Please let me know when you hear something. 
Sincerely, XXXX XXXX
Product: Debt collection

THE COMPANY, CAPIO PARTNERS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  did a inquiry on my credit on XX/XX/year> and on XX/XX/year> without my knowledge or approval.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have made a purchase using PalPal for an item ( {$2.00} ). 
However the transaction resulted in a XXXX  cash advance fee charged by my credit card. The bank 's explanation which is plausible stated that the transaction information submitted to them by PP listed the transaction as cash advance and not purchase. 
They also stated that this is a common situation with PP. 
On XX/XX/ I contacted PP and after a long wait I spoke with CSR based in their overseas call center. Unfortunately the CSR was not able to even help me as he didn't understand the concept of cash advance which he admitted PP employees ( or contracted ones ) are not trained in the basic concepts of payment systems. 
When I was transferred to the supervisor after about 15 min wait ( employee number given as XXXX ) he told me that he doesn't have any authority to address the issue except to " escalate '' it. 

In short the PP system is designed to specifically deceive consumers and not to address issues by getting them involved in a long and laborious administrative process to get the issue resolved, in this case {$10.00} This type of fraud is simply unacceptable and it is a fault of the regulator to not able to stamp out this pathology with heavy fines ( per incident ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account