23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Along with " false statements or representation, '' Communication tactics, continued attempts to collect debt I do n't owe, disclosure verification of debt, improper contact or sharing of information, and taking or threatening to take an illegal action all apply to this complaint. 

In XXXX a credit card was opened in my name. I was not aware of this until years later and took the necessary steps to clear it from my record ( filed with the 3 credit bureaus, disputed the debt with the agency, etc ). The last I heard about this was 4 years ago. Since then I took a job outside of the US and had n't heard anything about this dispute. 

Late last month, the Weinman Acquisition Group began calling multiple family members still located in the US. They said that they were serving me with papers for refusal to pay a debt. The caller claimed to work for for the county I previously lived in and he would be filing charges if I did not pay the money owed. These messages were passed on to me so I called the company back. I spoke to someone on the phone who said that they did not have the ability to call non US numbers and I said that did not give them leeway to call family members in lieu of me. I told them they were contacting me regarding an identity theft debt that has already been disputed. I asked for information regarding the debt and they emailed me the amount, credit card company, card number and account number. I tried calling back but could not get through to anyone. 

They continued to call my family and threaten legal action. I finally got through to someone yesterday and once again said that the harassment against my family members needed to stop and said that this debt is not valid and disputed. The woman on the phone said that she was legally allowed to call my family no more that once a day. I asked her to verify her company name, address, telephone number and professional license number. She responded with " Absolutely not. '' I said I needed debt verification and I wanted to know who they purchased this debt from. She proceeded to speak over me and continued to say " I will put you in refusal to pay '' and then hung up. 

I called back immediately. As soon as she answered the phone, the woman said something along the lines of " You need to stop calling us. '' I said that I was simply seeking debt verification and she said that if I continued to call she would press charges against me. 

I called the XXXX who said that this company was not on their radar until XX/XX/XXXX, which is when they first started calling my family. They are threatening, they have had people pretend to be law officers leave messages, they did not tell me how to dispute the debt or seek verification of the debt. They would not give me the name of the original creditor. They would not verify that they are licensed in their states. Ultimately I want them to stop contacting my family members but I also want to file a complaint so their tactics are officially on record. I ca n't be the only one dealing with something like this.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I applied and was approved for a {$200.00} loan. Looking into the loan further, I noticed the interest rate is 660.01 % or a ( 1 ) time payment of {$61.00} and then ( 9 ) payments of {$120.00} for a total of {$1100.00}. Somehow this seems extremely high and should be illegal. Pay XXXX in interest for a {$200.00} loan is quite high to say the least. Is this really legal. 

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

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) : Experian XX/XX/XXXX XXXX XXXX PDT From XXXX XXXX XXXX Other Experian has no record of this account. The other credit bureaus do. Experian advised me to request from XXXX to resend the account information to Experian so that my credit score will increase. I'm trying to buy a home and get the best terms. XXXX XXXX XXXX  XXXX XXXX XXXX said Experian was responsible for deleting this account information in error not the XXXX. I want Experian so to add it back to my credit report. The information was mysteriously deleted from my credit report. Experian Report XXXX. Experian should have updated the status as paid car loan. Instead, Experian deleted the from my credit report and thus lowered my score. I should have three paid off car loans, two from XXXX but now only one from XXXX shows up on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

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

Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}
Product: Mortgage

M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.
Product: Credit card

Today, I learned that my credit card account number had been changed by the issuing bank, Bank of America. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. BOA claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.
Product: Debt collection

Received phone calls that identified on my phone as 'suspected scam. ' They called wife and gave number to call. 
I called. 
XXXX XXXX XXXX extension # XXXX Case # XXXX Claims I owe a XXXX XXXX  debt from XXXX  on a credit card ending in XXXX He has my social security number. 
Amount of initial debt was {$2800.00} Amount with interest owed is {$7500.00} I never had a XXXX XXXX  account in any form. I called XXXX XXXX  to confirm, and they have no record of me having an account with them.
Product: Checking or savings account

I have XXXX deposits that did not get deposited into my account on XXXX is when they should be in my account. 

{$20.00} {$24.00} {$21.00} {$28.00} {$60.00} I commented on their tik tok. 
I tried to speak with their chat bot that didn't know anything. 
I tried calling and the voice memo says " were sorry '' The company has not taken any action to connect with me via any way ( text, email, call etc )
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a consumer report promoting EXPERIAN XXXX and how it could help improve your credit score when you pay your bills early. I signed up and the credit score it showed was a good XXXX points lower than XXXX and XXXX have been showing for over a year. In the process of signing up, I was asked to link my bank account- when I did that, my score shot right up ( within seconds ) to the same approximate score as the other two showed. I decided to give it a chance but then began to receive all kinds of emails to " upgrade '' - they did nothing but try to sell me things for the month or so prior to my unlinking my bank account. I can't see how any of this should be allowed, and I don't know why they needed my bank account to be linked - that makes me nervous. I usually can spot a scam or fraud a mile away and am upset with myself that I let myself be scammed just because " XXXX XXXX '' XXXX it as a good deal offered by a supposedly reputable credit reporting agency!
Product: Debt collection

First of all, I never owed them a bill. The term of my policy ended, and I renewed it with another company. Secondly, I never received any kind of notice, letter, or anything from them. They are supposed to send me something before placing anything on my credit report. 

XXXX XXXX XXXX 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

Equifax will not do a proper investigation. They continue to say the information was verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit keeps sending me access of another person credit service. I have notified them several times and talked to the as well by phone. Some say they can not do anything unless they get permission to receive an approval to stop sending to from the credit holder of which doesn't exist in their records. 
The Experian Account is XXXX XXXX : Membership ID # XXXX Month 's have gone by and they have done nothing. This level of access to third party informal is a security breach and needs to be corrected. I have no relationship with this party. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Product: Money transfer, virtual currency, or money service

Invested money in crypto.com. Money invested and money earned not available to take out of fund. Customer service has no answers to your complaint, all done by email. Customer service stops texting and never responds again! Main office is in XXXX, USA office XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Hundreds of complaints filed with XXXX  of many investors cant get their funds back. Either a scam or just fraud! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a document stating that the inquiries on my report were not authorized by me. The inquiries were not removed from my report nor was a reason provided as to why the inquiries were left on my report.
Product: Student loan

I have been recently diagnosed with XXXX XXXX, I called XXXX XXXX customer service explaining to them that I will have XXXX and XXXX. I asked if there was anyway if we can lower my payments, since my cosigner is already paying all the household bills. I asked to speak with a manager when customer service said they couldn't help me, they then replied that they couldn't find a manager on hand and that I will receive a call. I still haven't received a call from anyone. I cried twice, first when I was diagnosed and when XXXX XXXX said they couldn't do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By Credit Grantor when it is required by the FCRA and Metro 2 Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations of the FCRA.
Product: Debt collection

Ask for a Debt Validation respectfully request that the office provides me with competent evidence that I had legal obligation to pay regarding the following account numbers XXXX
Product: Credit card

My issue is with Citi Bank who now handles credit for Macys. About one year ago I was moving to a new location and a few of my bills were missed, including a Macy 's bill. I had a XXXX balance so I could n't imagine why my credit card was closed. Citi Bank now charges Macy 's card holders a fee if they do n't use their card. I was never told anything about this. I knew I had a XXXX balance so I did n't understand why I was being penalized. Citi Bank has been more than difficult about this. They seem to be the ones at Fault because they do n't make this clear to customers. I do not appreciate having my credit card closed and now have denied another card. I did n't even do anything wrong. I talked to serveral people in the upper level credit division and they said they have received many complaints about the extra fees. This action is not good, I am sure it has impacted my credit.
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. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

XXXX. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( 30, 60, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

XXXX. XXXXAccount Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account. 

XXXX. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account. 

XXXX. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus. 

XXXX. XXXXDispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies
Product: Mortgage

Land home financial services lost my payment checks. Then asked to pay ahc which I did. Then sent a new invoice And two days after presented the initial checks for payment. This clearly is an attempt to collect double payments but we caught them. Now they wont answer the phone about the escrow account. I work in the industry and this is not ok
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I sent a letter to Equifax and asked to investigate this matter and they stilled haven't fixed this problem. Can you investigate this matter? I also attached evidence. 

Delete the Inquries listed below : These inquiries has no permissible purpose to be on my report. 

Delete these inquiries due to violation of 15 USC 1681b Name of Inquiries and date : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX CA XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Student loan

I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that Equifax stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been XXXX accounts added by XXXX, after their investigation, that were not reported previously. These are accounts that are several years old, that the other XXXX were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my XXXX, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.