23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.
Product: Mortgage

XXXX XXXX has had complaints filed against him in states across the country. He is on every rip off website that exists. He employs a bait and switch method to draw in business. The CFPB has received complaints in relation to his business practices and has done nothing about it. He was being investigated by the State of Georgia as well. He currently has unlicensed LO 's putting XXXX dollars of business in his name, they do the work and get the loan closed in XXXX 's name, and then XXXX 's company pays the unlicensed employees. The name of this company is ironically Integrity First Financial. If we really want to safeguard customers, then action needs to be taken quickly and swiftly against XXXX XXXX and Integrity First Financial.
Product: Credit reporting or other personal consumer reports

RE : 15 U.S. Code 1681b - Permissible purposes of consumer reports To Whom it may concern.. 

Company : Acima Digital FKA Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( Acima ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company Acima can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION IMMEDIATE of ( the creditor mentioned above ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at XXXX. I remitted money through Western Union XXXX XXXX XXXX for direct deposit into my niece 's bank account overseas. She was unable to receive the {$290.00} remittance because the bank is no more affiliated with Western Union. Western Union agents advised that I request a refund to enable the agents to resend the money. I requested a refund via phone calls to Western Union on XXXX XXXX XXXX, I received the refund case number ending XXXX  XXXX and an expected refund period of 24/48hours. After 24hours, I called back Western Union today XX/XX/year>, only to be told to wait for another 24/72hours. That, Western Union would regenerate another control number for me to pick up the refund. I asked, how would the control number be delivered to me? The Western Union staff said - by email. I asked for the staff to verify my email. In the process I discovered my Western Union account had been compromised. The email in the account is a fake email and does not belong to me. I called the Western Union " Call our Fraud Hotline for United States '' XXXX to no avail. When I spoke with a staff called XXXX - # XXXX, she was of no assistance. When I called Western Union customer center for the 3rd time, the associate dropped the phone and disappeared. When I called back, I spoke with one XXXX, who could not trace the person I spoke with earlier. The whole system is suspect. 

I would appreciate your assistance, intervention to help me get my refund from Western Union. And to assist with legal referral as my niece is in danger due to Western Union glitches. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( XXXX ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer report agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This account, XXXX XXXX Account number XXXX, is not complete and accurate. 

XXXX XXXX Account number XXXX The following is not accurate and reports differently on each of my credit reports from the 3 Bureaus : High balance Date of last activity Date Reported Closed date Account rating Creditor type Payment status Creditor remark Last payment Payment history
Product: Debt collection

ai broke some ribs while on a fishing trip to XXXX XXXX XX/XX/2011 was taken to a local hospital emergency room for observation and the on staff Dr. looked at me and told me there was nothing they could for broken ribs so just wait until they heal. while I was XXXX in the XXXX room a Dr . I had never seen came by ask how I was doing and left. Now it seams he charged me {$100.00}. When I refused to pay for nothing done he turned it over for collection. This caused me to have too low credit rating to lease a new car. I asking you to contact him to see if i can get my excellent credit back. I am never past due and have no debt. XXXX had XXXX adverse Account causing the problem will you please see if you can get this Dr. to remove the claim. ( filed through CREDIT BUR SYS INC. # XXXX XXXX XXXX XXXX XXXX, XXXX, KY. XXXX Ph. XXXX I believe the Hosp. was in XXXX Ky. HELP!!!
Product: Debt collection

in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called XXXX XXXX XXXX. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking XXXX XXXXon the XXXX of each month i made 3 payments then i get this letter from UNITED COLLECTION BUREAU who says i owe {$1800.00} i have disputed this many times sent the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and unverified inquires on my Credit Report without my consent. 
Remove : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with a XXXX XXXX open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for XXXX XXXX and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards XXXXXXXX XXXX has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the damaging information from the accounts : XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

- I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.
Product: Mortgage

I have received several letters and phone calls from Select Portfolio Servicing , Inc regarding my mortgage for my property in XXXX, PA. All the correspondence that I received was in regards to my interest rate increasing in XXXX stating that I had a variable interest rate. I spoke to multiple people at SPS, who two months ago purchased my mortgage from XXXX, explaining that I entered a 5 year rate lock on my mortgage in XX/XX/2018 where I paid an additional monthly payment to process the 5 year rate lock. 
I spoke with XXXX XXXX a supervisor at SPS on XX/XX/18 where he looked through my documents was able to see where an agreement was sent to me in XX/XX/2018 and an additional payment of {$570.00} was processed by XXXX for the rate lock. 
However, since then I received two additional letters and today on XX/XX/18 I received another phone call on the same subject stating that my rate will increase in XXXX. 
SPS has been innodating me with letters and phone calls in regards to a rate change for my property. This is incorrect and I have asked several times to include today to rectify the situation. I have asked them to review their documents and correct their system which is incorrect. I did not agree to the servicing transfer and since the transfer I have had issues in regards to payments that were not processed because someone on their end keyed it incorrectly and now they are threatening to increase my interest rate. I have exhausted all options to rectify this with the Servicer to no avail. 
Based on my interactions with them I believe their servicing records are incorrect, the team is not adequately equipped to service my loan. Additionally, it appears that they have a lack of accuracy on servicing records and there were no quality checks done at time of transfer. As of XXXX SPS is indicating that they will raise my interest by over 1.25 basis points. Again, I locked my current rate of 4.25 % in XXXX for a 5 year period. Please help.
Product: Debt collection

Has left numerous voicemails on my and another person 's phone saying that I have a claim filed under my social security and threatening to take legal action. Were never able to tell me what it was for. The callers name is XXXX XXXX. After that, started receiving calls from XXXX and XXXX XXXX. The callback number was always the same. And still called 3rd party about my personal affairs and left voicemails. The number is : XXXX they say that they are calling from first U.S. Capital
Product: Credit card or prepaid card

I did not recieve credit for fraudulent charges from XX/XX/XXXX I stopped monthly payments XXXX until XXXX which has not happen yet USAA reported me deliquient They refused to resolve fraud I reported beginning XX/XX/XXXX Executive Resolutions reviewed account responded " You did not report fraud until XX/XX/XXXX '' Enclosed XX/XX/XXXX Statements has 6 Reversed Credits each reference begins F for fraud XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Clearly fraud was reported PRIOR to XX/XX/XXXX for reversed credits to appear already posted on XXXX Statement 1 ) WHAT WERE THESE NEW CHARGES OF REVERSED CREDIT FOR? ( Security of ) 2 ) * How can there be reversed credits IF NO FRAUD REPORTED BEFORE XX/XX/XXXX?
Product: Credit card or prepaid card

XXXXXXXX OPPORTUNITY FUND DENIED MY CREDIT APPLICATION for reasons unknown. 12 CFR 202.9 states a credit score and/or insufficient income or trade lines are not reasonable reasons for denial. This company still furnished negative information on my credit report although there wasnt any means to since they did not want a banking/credit relationship with me. Under 15 usc 1692 I the consumer have a right to privacy, and furbishment of negative information which was also a violation, violated my consumer rights. I reached out to the company in order to make this right in good faith but they simply, did not care. I received a letter from them letting me know they did not care about my rights being violated and were not willing to make it right.
Product: Debt collection

Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries multiple times with Equifax and they are refusing to remove them. Equifax said that I should contact the creditors first, I have wrote letters and got no response, so I contacted this bureau and they refuse to do anything about the situation. I have called multiples times and last disputed them on XXXX2017.
Product: Credit card or prepaid card

In applying for an American Express Everyday credit card which offers 0 % balance transfer for 15 months and {$0.00} fee for transfers ( which was approved ),  no where in the online OR written agreement that is sent with the card does it stipulate that the maximum amount you can transfer a balance is 75 % of your limit or {$5000.00}, whichever is reached first, which is what I'm being told is the policy. My limit is {$20000.00} and they are saying I can only transfer {$5000.00}. This IS NOT disclosed anywhere in the written agreement that comes with the card OR online which their representative acknowledged on XX/XX/19.
Product: Mortgage

This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ;  but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING.
OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( XXXX, XXXX, and TransUnion ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.
Product: Debt collection

Calls 6 times a day and very rude when i answer