23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US Bank plans to sell our house at auction on XX/XX/XXXX and refuses to communicate with me, stating that I am not on the mortgage. The address of our home is XXXX XXXX XXXX, XXXX, MA, XXXX. 
How can US Bank foreclose on me if I am not on the mortgage? I am on the deed and the downpayment was mine. Our original mortgage was with XXXX. My husband and I are in divorce court in XXXX - my husband, XXXX XXXX, refuses to sign the divorce papers or to pay the note and he alone is responsible. XXXX XXXX defaulted on his mortgage in 2017. 

My prior Attorney, XXXX XXXX, refused to file a motion to help me, despite my having paid him a substantial amount to stop this foreclosure. Attorney XXXX XXXX is advising my husband, XXXX XXXX. I believe that this is a case of fraud.
Product: Payday loan, title loan, personal loan, or advance loan

Since XXXX XXXX XXXX, I have received an overwhelming number of communications regarding a debt, despite being in a vulnerable financial position. Specifically, I have received 27 emails from the address XXXX and 13 text messages from the shortcode XXXX. These messages came almost daily, often claiming that Indebted USA and XXXX XXXX knew I had opened an email, even when I had not.

This persistent communication has caused me significant emotional distress and XXXX. Every time my phone went off, my stress levels spiked, as the notifications were frequently from Indebted USA or XXXX XXXX. These messages were especially XXXX XXXX XXXX XXXX XXXX during a period where I was struggling to regain financial stability after being out of work for an extended period of six months. During this time, I fell into XXXX due to financial stress, lack of sleep, and the overwhelming process of job searching.

The constant barrage of messages exacerbated my financial XXXX, worsened my XXXX, and even led to XXXX XXXX XXXX XXXX XXXX. I have lost hair and have experienced increased stress-related symptoms. I believe that the actions of Indebted USA and XXXX XXXX violate the Fair Debt Collection Practices Act (FDCPA), which prohibits such harassing and abusive behaviors from debt collectors.


Please find attached records of the communications I have received and any additional information you may require to investigate this matter.

Thank you for your attention to this serious issue.

Emails from InDebted: 
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
Product: Debt collection

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, PENN CREDIT failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting 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.. 

XXXX, and Equifax to reinvestigate these accounts : Equifax Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ..name. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount name : ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all XXXX Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On Staurday XX/XX/XXXX I checked out of the XXXX XXXX in Virginia, during my checkout the hotel computer had a mishap and charged my credit cards on file with approximately 6 different charges of varying amounts from {$920.00}, {$740.00}, {$350.00}, {$660.00}, {$350.00}, {$250.00} etc ... not just my Bank of America XXXX. It also charged my XXXX XXXX, XXXX, and 2 of my XXXX XXXX CC 's. I am filing this complaint because Bank of America CC group is the only one still holding my card accountable eventhough the hotel immediately released all charges/holds. And I have been told a varying amount of lies by BOA employees and management within the CC support group from New York to Texas. I will provide names as they have given. 
On Saturday afternoon I contacted the hotel first, as I was traveling and did not know of this until over 8hrs after the computer problem. 
And was passed around within BOA CC support team until I hung up from exhaustion, but I was assured the matter would be cleared up within 24-48hours as the hotel had already released all of the holds without charging to any of my credit cards. And I was able to see each return from the hotel as a pending credit. Therfore all BOA had to do was to process the releases. Instead and order was issued to find out how much I paid for my room/stay which was irrelevant as I had paid my bill fully by other means than BOA CC, the holds were mire than the credit limit of my BOA CC therefore I used another CC, BOA CC employee, a manager named XXXX tried her best to gather his I paid for my room as if it was my fault or as if I had not paid for my room. Hotel management tried to fax over all relevant information regarding the mishap to BOA CC group on Sat XX/XX/XXXX but no one would provide me with the fax number, because they said the holds would process normally within 24-48 hours. NOW there is a manager whom I spoke to on XX/XX/XXXX afternoon who is now saying the pending credit of {$740.00} will take 5-7 business days. BOA is operating as if they have no process established for incidents such as this and as if they have a vendetta against me for filing a complaint against there customer support team. It feels like retaliation fir the complaint and bad survey I provided, if they want a good survey then they should have done their job. Because now the hold for {$740.00} has been charged to my CC eventhough thd credit was sitting there waiting to be processed, which had been there all along every since Saturday XX/XX/XXXX ( day of the incident ). There is definitely someone who made the decision to retaliate against me because they also held a intrnal cash transfer I had made on the afternoon of XX/XX/XXXX of {$90.00}. fir 48hrs along with the {$740.00} hold release, a support team member refused to tell me with whom I had spoken with on sat XX/XX/XXXX saying it is against company policy eventhough they identified themselves when they took my call,, which makes no sense,, another example of hiding and crating a wall of deceit.
Product: Debt collection

Hello, Well, to be quite honest. This isn't the first false debt collection claim. I'd like to report to you this is a false claim I just noticed recently on my XXXX XXXX profile. I have never dealt with XXXX XXXX my entire life. And I have been outside the US since early XX/XX/XXXX. I've noticed why such false collections been happening lately ; which is due to matching name ( sometimes exactly the same first and last name ; XXXX  is a very popular last name ; XXXX XXXX  ). I personally have friends who have the same name and also one I was a roommate back in XX/XX/XXXX-XX/XX/XXXX ( But his first name is XXXX ) I'd like Caine & Weiner Company to take the time to double check this issue and, if necessary track full details of this " XXXX XXXX  ''. Please know that I have a unique SSN, and DOB.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and notice I had some fraudulent accounts on my report. Please remove these fraudulent accounts of my credit report, these accounts are preventing me from obtaining credit and buying a home.
Product: Credit reporting or other personal consumer reports

There is information in my file, stated below, that I have identified as information that resulted from identity theft. 

In XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over XXXX times by different parties to commit fraud. 

On XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of XXXX XXXX. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. 

On or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. 


XXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX - XXXX Bankruptcy XXXX XXXX XXXX Reference Number : XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, Trans Union is reporting incorrectly, the acct. from XXXX XXXX XXXX XXXX XXXX XXXX It is reporting paid as agreed, & it's in good standing & open, how ever, their system is reporting it as closed & my score dropped XXXX points! This is a huge deal for me because I am working hard on my credit the last few years to buy my 1st home & earlier this year I was in a car accident, ( not my fault ) & my car was totaled & now I need a new car too. Plus, We are going through a family tragedy My older brother just died XX/XX/XXXX, I have to reach my goals more than ever, to help his family. So, building my credit is more essential than ever & I was close to my goals. Then this error of reporting from XXXX made my score go down & it's devastating, when I need it to go up XXXX points, not down! Trans Union can see I recently been paying down my balances & only negative I have on my credit report is that some of my accounts balances are high & that is due to Covid & then the XXXX XXXX  being out of work for XXXX. I talked to XXXX XXXX & the account should be reporting open with restriction because of the hardship program ( which is over now ) ( not closed ) & also should say paid as agreed. Online I have got alerts the account status has changed & also it is closed, their computerized A.I system registered the data & info as a closed account & that makes my credit drop! AGAIN THIS IS NOT ACCURATE! I don't know if it was an error on XXXX XXXX XXXX end but when I talk to them they said it shouldn't be reported as closed. IT IS OPENED! 
I appreciate if Trans Union can give detail info. in the future when changes are made, scores up or down, details on why! I was planning on upgrading my membership but I will not now because Trans Union is failing to provide the services I deserve. There is NO way my score should of dropped & I appreciate if they update this account as open & paid as agreed & give me my XXXX points back. THANK YOU!
Product: Checking or savings account

On XX/XX/year>. XXXX XXXX XXXX spoke with one of the Bank Teller XXXX at this Branch Location. Upon speaking with the teller about depositing funds into my savings account. For some reason the teller had some issues about me depositing funds in my account after he had my State ID in hand. To identify me as the sole account holder. It was like I had to go through some security check point to deposit funds into my account. Questioning me about personal information that's on my credit report. During the whole process. When I finally made the deposit. To get {$40.00} back the same thing happened again. Just to get {$40.00} back from what I had deposit into my savings account. This particular Bank Teller was very unprofessional in what he was during. It seems like he was incoherent very hard of hearing. When I was telling him what I wanted to deposit the funds into my account. I had to repeat my self over and over again. Then later that evening my debit card was deactivated along with my savings account card deactivated. Why was this? I never told anyone about deactivated my cards. Around XXXXXXXX XXXX. on XX/XX/year>. I called Wells Fargo customer service number and spoke with a representative. He took my information and hanged up the phone in my face. I called back around XXXXXXXX XXXX and spoke with another representative. He lied and said my card to my savings account was active. When I checked it was the same situation again deactivated. This matter need to be dealt with seriously. 
On the other hand many issues keep coming about with my account. I opened a new checking account awhile back and my checking and saving card was sent to the wrong address on file. When I specified to send to my mailing address. Instead it was sent to the wrong address. Instead to my mailing address I have on file.
Product: Prepaid card

Received an AMEX gift card for {XXXX}. I have tried to use it with an online retailer to purchase a product under XXXX}. The card continuously declines, when I reached out to AMEX they there was nothing wrong with the card and I should use it somewhere else. AMEX advertises this gift card to use anywhere, obviously not.
Product: Debt collection

The Financial Assistance , Inc., Debt Collection Account : XXXX XXXX  balance of {$360.00} is paid in full. I paid the debt collection account off, but the debt collection account is still listed and showing on my XXXX XXXX, XXXX, and XXXX credit report as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 CFR part 1022.42 12 CFR part 1022.43 FCRA 15 U.S.C. 1681 2 ( b ) In XXXX, 2022 I was denied credit by consumer cellular and they used information and scoring reported by Equifax. The negative information is not mine
Product: Credit reporting

ENHANCED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ( I do n't know if this is the correct address and number, they 're a very shifty company ) has filed a fraudulent collection on my credit report. I can not contact them to discuss this issue because they are a corrupt third party collection agency who frequently breaks the law according to the BBB and reviews on the company. The collection Account # XXXX {$570.00} Balance XXXX Original Creditor {$570.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Individual Account.Responsibility has already been removed from my credit report twice before- Agency Report Date Removed Original Creditor Amount Owed Bureau AFNI, XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX This is a criminal attempt at fraud and it has damaged my credit. Twice before this collection was removed from my report because the previous collection agencies investigated the bill and found that XXXX falsely tried to bill me and they dropped the collections and now this agency is attempting the same thing, illegally.
Product: Debt collection

I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several date breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Money transfer, virtual currency, or money service

I am appalled how zelle has been handling some of these situations and disputes Despite using zelle numerous times and yall still failed to investigate the situation zelle has not only neglected to protect customers but had many offenders to exploit the system leaving people vulnerable to these scams
Product: Credit reporting or other personal consumer reports

I disputed accounts for no knowledge I wan those accounts removed from my reports
Product: Debt collection

I lost my job and had to relocate home, I contacted the original creditor to end services and they told me I owed nothing else. I have since paid the debt in full to the original creditor, XXXX XXXX, Carter Young, the collection agency will not cease reporting negative information. The whole act is unfair, as I explained to them, I have never received any notification of any balance due, my mail was forwarded, however I never received anything from the original creditor. Therefore it should have never been placed in collections, nor reported negatively on my credit files. I am asking that all negative items including the fact that it was ever a collection be deleted immediately from all credit bureaus. I have no guilt in not paying on time as I had no notice of a bill being due. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Square Capital LLC conducted a hard inquiry against my credit history via XXXX. I have no business, nor ever had business, with Square Capital LLC and immediately notified Square Capital LLC on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite XXXX ( XXXX ) follow-up emails and phone calls to Square Capital LLC no onXXXX will provide me any details nor will they remove the hard inquiry from my credit history.
Product: Vehicle loan or lease

My insurance company submitted a claim to the lender Global Lender Services on or before XX/XX/2019 following the date my car was deemed totaled. Myself and agent contacted the lender and we were informed a claim would have to be put in with them as well. As of this date, the lender and the insurance company were in contact. On XX/XX/2019 I was sent an email that stated the claim had been processed and my remaining balance was {$2600.00}. My payments are due the XXXX of every month with a ten day grace period. The week of XX/XX/2019 I contacted the lender to set up a payment plan for the remaining amount. I was informed that I would need to pay {$620.00} a month for the remaining amount and the only other option was to charge it off onto my credit until the balance was paid. I have no late payments and the lender had already received the insurance payout at this time. On XXXX On Friday, XX/XX/2019, I received a statement with a late fee. When I called into the leader I was informed I personally had not made a payment.
Product: Credit reporting or other personal consumer reports

All accounts are marked as in good standing and closed but are still showing negative marks on credit report. 
I am seeing from all that I am in good standing and accounts are closed!
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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
Product: Credit reporting or other personal consumer reports

I recently obtain a copy of my credit report and notice XXXX XXXX account # XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.