23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I received an alert from TransUnion that a collection account had been added to my credit report by Central Credit Service of XXXX Florida in the amount of XXXX. On or about XXXX/XXXX/XXXX, I contact the agency to inquire about the entry and it was stated to me that communication regarding this account had been sent to an address that I had not resided in since XX/XX/XXXX. I had an initial conversation with one representative, who at that time recited to me my 'current ' address. At that time she stated that they had recently acquired my new address as of XXXX/XXXX/XXXX. I then stated that they had in fact violated my rights as I had not verified or validated that the account was mine. I then asked to speak to a supervisor. Continuing on with the discussion and speaking with XXXX XXXX, she then stated that no documentation was sent to my current address and that the communication was only sent to the previous address. I then iterated that their entry on my credit report violated my rights to verify and validate that the account was mine before reporting to the credit bureaus. I then requested to speak with her boss. I was directed to give XXXX XXXX XXXX a call to further discuss. My second communications with Central Credit involves my restating that this said debt had not been communicated verbally or in writing as my right per the FDCRA. They then restated that they had mailed communication to the previous address but had NOT sent written communication to my present address. The entry to my credit report was XXXX/XXXX/XXXX. I then requested to speak with the supervisor on duty and was connected to XXXX XXXX, who then preceeded to tell me that communication was sent AGAIN to the previous address but not the current. I then stated to XXXX XXXX that my rights as the consumer being charged as being responsible for this had NOT been communicated as per my rights and that they failed to verify and validate said debt before listing the account on my credit report. XXXX XXXX then stated that Central Credit Services will not confirm or deny that they failed to verify or validate the debt prior to listing the account with the credit reporting agencies. I was then direct again to give XXXX XXXX a call. I have not been able to reach XXXX XXXX and have left him a message regarding this unverified debt. To date, the day being XXXX/XXXX/XXXX XXXX am, I have YET to receive any written communication from Central Credit Service or a returned phone from XXXX XXXX XXXX. 

Per the FRCA and FDCPA, debts are to be verified and validated prior to being reported to the credit reporting agencies. I as the consumer have the right to validate, verify or dispute said debt, which as of today, I have not. I am still awaiting documentation that illustrate that I 'm responsible which Central Credit Services has not provided. YET, on XXXX/XXXX/XXXX they reported to the credit reporting agencies an unverified and invalidated account. I have not verified or disputed this account, as it is my right to do so provided by FCRA and the FDCPA.
Product: Checking or savings account

I am a victim of a fraud and scam. On XX/XX/2024 I received a job offer for a XXXX XXXX XXXX ( XXXX  ) position with a company called XXXX XXXX. A few days prior to this, I had a job interview via XXXX XXXX with a hiring manager named XXXX XXXX. I received a job offer email from a human resources man named XXXX XXXX from the email XXXX. I signed the job offer letter, provided my driver 's license, passport, and social security number. On XX/XX/XXXX, the hiring manager XXXX XXXX told me on XXXX XXXX chat to purchase work equipment ( laptop, XXXX XXXX phone, and printer ) for the job. He said he will provide a mobile check for me to deposit into my bank account to pay for the work equipment. He sent me a mobile check for {$4400.00} which I deposited into my checking account at Bank of America on XX/XX/XXXX. The next day, Bank of America close my checking and savings account. I contacted the bank the same day and I was told that the check was a bad check and my account is closed because of this. I did not know the check wasn't good. I explained to the bank that my employer gave me this check for work equipment and the bank told me that I'm a victim of a scam. After this, I found out the job offer I got was not real and I was scammed. They were pretending to be a company called a " XXXX XXXX ''. I went to the police station and filed a police report. I also notified the real company " XXXX XXXX '' about this scam and fraud. Bank of America closed my account because of this and are reporting me to XXXX XXXX. I believe this is very unfair because I'm a victim of this fraud and scam. I shouldn't be reported to XXXX XXXX and I should be able to open a bank account. I've attached documentation to this issue. I would like add this statement for complaint ID XXXX. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX   XXXX {$320.00} XXXX XXXX XXXX XXXX {$150.00} US DEPT ED XXXX {$1500.00} XXXX XXXX XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX ; TRANSUNION ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.
Product: Debt collection

I received a check from Wakefield and Associates , Inc. for {$29.00} dated XX/XX/XXXX.To learn more, I contacted XXXX based upon a XXXX search . 

The address on the check was listed as XXXX XXXX XXXX, XXXX, TN XXXX, A XXXX answered and I shared with him that I received a check from the company, but I did not know why. He asked me if I had an account, and I said no. The only information listed was XXXX, in which he did not know what the number represented. 

So, he asked me for MY SOCIAL SECURITY NUMBER and DATE OF BIRTH. I felt very uneasy providing my personal identifying information to gain further information about a {$29.00}. However, I went ahead and provided the information. After a few minutes, he told me that he only saw an account dated XXXX and that an amount of {$49.00} was listed. At that point, I told him that surely the check should have listed an account number for reference. 

So, I gave him all the information from the check, and he said it might be at the other location/company - XXXX XXXX XXXX. He said that the company recently brought it and that the transition would be in full effect in XXXX. He was suppose to be at another location in XXXX. 

He transferred me and the young lady listened and attempted to locate it. She was unsuccessful, so I asked for a manager. She said it would be 48-72 hours!! I told her that it was unacceptable and that I was VERY afraid and felt threatened since I gave my personal identifying information earlier. The young lady ended up finally transferring me to someone, and he was not a supervisor. However, after I talked with him, he transferred me to a XXXX XXXX, a supervisor. He was located in Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

After minutes and minutes on the phone with me, he said that " he was going to help me out. '' The problem continued because he started asking me for my address, of which I gave to him. He did not have any information!!!!! But after looking on the internet, the company has a plethora of complaints, including scamming, etc. 

I ended the conversation because I felt very terrified that I provided my personal identifying information, including my address, to Mr. XXXX and XXXX!!! This is totally unacceptable!!!!!! They sent me a check for {$29.00} and no one has any answers as to WHY? This must be a practice that the company does to obtain personal identifying information. I hope that no implications will happened that would negatively affect my life!!!!!!!!!. 






Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Product: Debt collection

XXXX XXXX XXXX {$7800.00} I called to try to see if I could make payments and I was treated wrongly and threatened to have my personal bank account debit if I do n't make a payment. Than I asked if I could speak with a supervisor and was hung up on multiple times!! They treated me as if I was a criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systens on behalf of XXXX XXXX XXXX XXXX listed an account that belongs to my father on my credit reports. Thecamount of the colkection listed on my credit reports is {$560.00}. I disputed this account to no avail with both the vollection agency as well as the credit bureaus. About a month ago the collection agency advised me to send in a copy of my drivers license as well as an explanation of the matter so tgat they vould rectify the matter, nothing has been done. I disputed tge account several times. The credit bureaus marked the account as closed and this has dropped my credit score 30 points.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX withdrew {$220.00} monthly from a business account associated with our credit card processing account. We contacted XXXX customer service to request information about the withdrawals and they state that they are unable to research the withdrawals as they don't appear in our processing account. They told us to contact our bank. So we contacted Chase Bank and requested that they investigate the withdrawals. They refused to investigate because we supplied our routing and account number to authorize the ACH withdrawal and told us to seek resolution from the recipient and that they can do nothing. 

XXXX XXXX XXXX has received {$5200.00} in electronic withdrawals from our business account. We have no way to identify who received this money without assistance from either XXXX or XXXX and both organizations have declined to research this unauthorized activity for " policy '' reasons. There are trace numbers for each transaction that can be provided upon request. 

Your assistance is urgently needed and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continually violated my rights under the fair credit act- has not responded to any of my concerns and issues that involves my credit profile. I sent certified usp mail. And have not received in response over 60 days. Attached to this complaint will be my issues that need resolved immediately.
Product: Money transfer, virtual currency, or money service

Sent money to person through Zelle but it was the wrong person and couldnt get my money back Double charge me for a rent payment
Product: Credit reporting or other personal consumer reports

During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/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 Banks XX/XX/XXXX XXXX AUTO FINANCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.
Product: Mortgage

My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. 
When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.
Product: Student loan

I currently have a student loan account with the lender Sallie Mae in the amount of approximately {$27000.00}. Since my loans have come due, I have made timely and consistent payments on my account and have kept my account current and in good standing. 
I have contacted their customer service department multiple times in an attempt to gather information as to what repayment options are available to me in the event that my employment status changes or my income significantly changes, causing me to no longer have the ability to afford my current minimum monthly payments. I have been told by multiple representatives, including my loan supervisor, that while my account is current the only option they can discuss with me is the option of a hardship forbearance. I have explained that I would like to avoid this option, and have requested information regarding any other options which may exist, but have been told that until my account is past due or defaulted upon they will not disclose information pertaining to any other options available. They have indicated that were my account to become past due or defaulted upon, their collections department would contact me to discuss available options for adjusted repayment, but so long as my account is current they will not. The explanation I received as to why no further information could be provided was that providing such an explanation may motivate customers to purposefully default on their loans to take advantage of these repayment options. 
As a customer in good standing attempting to take a proactive approach to my loans in a time of uncertainty with regard to my employment and income, it seems rather counter-intuitive that I can not receive information regarding my repayment options until I am in default, because providing me with the information they are withholding may cause me to purposefully default on my loans. It seems that the only way to obtain the information I seek is to do exactly what the lender is supposedly trying to prevent, and allow my loans to become past due. I would really like to avoid any delinquency on my account, which is what spurred my contacting Sallie Mae regarding this situation in the first place, however it appears that their repayment system is designed to reward borrowers who fall delinquent and punish those borrowers who find themselves in uncertain circumstances who yet wish to remain proactive in their repayment with a lack of information and a firewall of bureaucracy and policy.
Product: Mortgage

Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. 
Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. 
Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. 
Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. 
Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. 
By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.
Product: Credit card or prepaid card

this is second time i write to this agency still my issue not solved! i don't know what to do i thought this agency have power to solve problem but it seems it isn't! 

I want to file complaint against capital one credit card, on XX/XX/2021 i purchase a ticket to fly to XXXX i bought a ticket from XXXX XXXX, using my pocket money and rewards miles which is XXXX miles rewards transfer to money became XXXX , finally after so many times calling sometimes on hold/phone for 3hrs! i have back my pocket money but never received my rewards miles back and worst, somebody from travel center put it in my account as i purchase something! which is not correct i didn't buy anything i canceled my flight should be easily all things come back to my account but with capital one never happen! i am afraid now these money which should be rewards come back as credit but it show as i buy something is goona affect my credit score for next statement. please this time solve my problem because this company simply ignore me doesn't help at all i don't know what is them problem!!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX US DEPT ED XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX ) XXXX Balance : {$180.00} US DEPT XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$17000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$9100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate and ate last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} Inquiry XXXX  XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.