23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America A man Called me XX/XX/21 at XXXX about debt collection claiming to be from XXXX XXXX XXXX XXXX. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with Bank of America, he claimed to be a manager from XXXX XXXX. He said they would take XXXX today and i would have to give the remainder by the XXXX Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

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

I work with XXXX and they paid off account XXXX XXXX # XXXX ( XXXX XXXX ) amount was XXXX they settled for {$2500.00} and was settled on XX/XX/2020 and now the remainder amount was sold to a new debt collector LVNV FUNDING LLC which they can not legally do that once they settle on a debt. I have reached out to federal debt relief and the credit company 's but can not get this removed and I have proof that if was settled. So why is this so hard to get removed XXXX XXXX XXXX XXXX XXXX ( is who I go through ) XXXX XXXX XXXX XXXX, AZ XXXX LVNV FUNDING LLC ( this is who bought the remainder of the debt ) Address XXXX XXXX  XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/2016 and had to dispute all of my accounts on my credit report because I could not identify accounts that were mine. Transunion deleted everything in my credit file. After identifying my accounts I mailed Transunion my identified accounts, account numbers, and balances on accounts, to add to my credit file. 
This was never done by Transunion. I am unable to get a credit score from Transunion. Because of the lack of compliance on Transunion 's part, I am unable to get a mortgage loan, credit, and have correct credit history,
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 : Account number XXXXXXXX XXXXXXXX XXXX XXXX : Account number XXXX-XXXX XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX TXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number 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

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX stating that the account was verified!!! 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Product: Credit card or prepaid card

I was eligible for the wellcome bonus of {$200.00} about my credit card of XXXX. But AMEX declined this offer. This is a ridiculous fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Made an unauthorized inquiry into my credit report from Experian on XX/XX/2020.
Product: Checking or savings account

I was told that monthly maint fee would be waived if I had a XXXX of {$500.00} or more. I did have XXXX of {$500.00} on XX/XX/24 but was still charged a maint fee. I attempted to call and was literally routed to XXXX different people who could not help. It was infuriating, how difficult is it to refund a {$12.00} fee that was charged despite my account meeting the requirement? It's ridiculous that I have to go to these lengths to get someone competent to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who do you file a bankruptcy with? 
A ) XXXX XXXX XXXX B ) sheriff department C ) XXXX XXXX D ) US bankruptcy court E ) none of the above Please answer the question to the best of your ability! 

Thank you!
Product: Checking or savings account

Since XXXX I have linked my XXXX XXXX to Paypal in order to protect my purchases. My card expired, and they had to send me a replacement. When I went to activate it I was told an individual had flagged my account. I believe when I first signed up I was required to send my Driver 's License 18 years ago. Paypal was required to validate my XXXX account at that time and they did. XXXX has my actual driver 's license on record. I am XXXX XXXX XXXX, and recently retired. It appears Paypal wished to discriminate against the XXXX  and when I went to Validate I was refused. They NOW demand private information that is bogus ; an electric bill and water bill. Neither of these validates an individual as they claim. For several years when my daughter was alive I paid her electric bill and water bill. She lived in XXXX XXXX Fl and XXXX, Florida. I live in XXXX XXXX XXXX, Florida. The only breech I have seen has been Paypal allowing an individual in XXXX to steal over {$300.00} out of my account without putting security measures into place which I learned of and notified them immediately. It was proven my account had been charged fraudulently. At that time I was sent a replacement card and had no problem validating it at the time without the demand of giving them private accounts they are not entitled to. I deliberately allowed the account to reduce to {$15.00} based on not tieing money up with them until the new card was activated. Just some instinct as I had attempted to get an active account on our NonProfit and got so much harassment by Paypal I gave up. They were not worth it. Its still in limbo. No matter what you send to them, they run you in more circles. At this time my account can not be activated. My address is real as I received the card at that address therefore validating it is real. My remaining money is not accessible. I will not send my DL that is on record with XXXX XXXX  they can obtain through them due to a Florida DL law that does not allow us to duplicate DL and for my own security. I also have a stalking problem with my ex son-in-law who is believed to be the person who stole out of my account and I do not want additional information on Paypal records that has already had several breeches of security with information obtained of client bases. What they are demanding of clients in no manner will validate a client and is void of reasoning. I believe I am being discriminated against due to retirement.
Product: Debt collection

In accordance with the fair credit Reporting Act XXXX account # XXXX 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 I did not sign a contract with Kingston Data and Credit International so for that reason i should not owe the debt they're trying to collect.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Exeter Finance LLC report wrong information to credits buries : XXXX, XXXX and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. 

XXXX XXXX XXXXXXXX XXXX {$120.00} This account was opened XXXX XXXX, XXXX ( 3 yrs, 6 mon ) this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX Subject : Dispute and Request for Documentation and Removal of Late Payment History on Charged-Off Accounts for XXXX XXXX DOB XX/XX/XXXX XXXX Last 4 SS XXXX Dear Dispute Resolution Team, I am writing to formally dispute the reporting of XXXX charged-off accounts on my credit file. Although these accounts have been marked as closed by the original creditors, they continue to appear on my credit report, along with a history of late payments, which I believe is inaccurate. I respectfully request that the resolution team review and provide documentation supporting the charged-off status, as well as remove the late payment history associated with these accounts. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX o Account ending in XXXX o Balance : {$15000.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Account ending in XXXX o Balance : {$27000.00} XXXX. XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX o Balance : XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers are protected from inaccurate reporting and unauthorized sharing of personal and financial data. Section 604 ( a ) stipulates that personal information, including details related to closed accounts, can not be disclosed to third parties, including credit bureaus, without explicit consent. As I have not authorized the release of information on these closed accounts, I request that XXXX investigate and provide any documentation or agreement justifying the continued reporting of these accounts, including any record supporting the history of late payments. 

In addition, please remove any reported late payment history on these accounts from my credit file, as it unfairly impacts my creditworthiness and does not accurately reflect the closed and charged-off status of the accounts. 
I appreciate your prompt attention to this matter and request a response with your findings and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for being so cooperative in maintaining accurate credit reporting. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, I requested additional insight into erroneous liens appearing on my XXXX XXXX XXXX. Per CFPB I should have access to any documentation that is used for credit decisioning. I was never presented with this information. I requested more information XXXX separate times & called Better Mortgage to request a change in personnel on my file on numerous occasions. On XX/XX/2022, I finally received an email providing a little more context into the claimed outstanding judgements. They are all from my XXXX. I provided the lender with a XXXX decree to confirm that these debts were not real. Moreover, I have an order of protection from my XXXX so it is physically impossible for there to be any liens after the XXXX. We have a no contact order. Despite being presented with this information, they continue to provide delays to my loan and notify me that they will not be able to close by the target closing date. I would like them to be held liable for any cost incurred by me for negotiating an extension in closing date. As well as any fee 's incurred if I am forced to find a new lender in order to save this transaction
Product: Debt collection

The following incident happened today at XX/XX/18. I received a call from a random number which turned out to be XXXX XXXX phone : XXXX, office:XXXX ext XXXX from the following debt collection agency Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Website : http : //www.hillcrestdavidson.com/. 

I tried my best to cooperate but from the very start he was abusive, threatening and very rude. He threatened me, made XXXX comments, hacked into my mothers number and somehow called me from her number. He also was nasty and stalked me and was threatening me with my personal information saying he knows everything and that he can use my information against me. He called and wouldnt stop even when I tried to ignore the calls he would insist and when I picked up he would harrass me and attack me. I then called the XXXX police to target and they heard my story and called XXXX but he only showed them three recorded calls when in total there was way more and I have records proving that. The police said they couldn't help me so this is why I am filing a report here. I owe no debts to any debt collection agency, He wanted to speak to my mother and was harrasing me so I can get her to contact him which at one point she did but since it did not go as he planned he made XXXX comments of her and called me with anger to harrass me for how it went. I do not know how he got my information but I was scared for my life and need help I would like to report this, sue the company any measures to stop XXXX and this company from harrasing people like they did to me. I also see that I am part of a bigger problem and want help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted certified and notarized documents to each company via USPS mail. These companies are replying back that that have not received proof but some one from each company has signed off of the documents that were delivered. I have also filed previous complaints against these companies. I have uploaded documents to this website the same documents that were sent to each company as proof of the accounts not belonging to me. These companies have not sent out any verification in any form as proof that these accounts are mines. I am proceeding these matters further in civil court if not removed in 14 days.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been the victim of ongoing ID theft and have numerous fraud inquires as well as XXXX fraud accounts begin reported with Equifax. Both XXXX and XXXX have removed these fraud accounts but Equifax refuses to do anything!! I have been fighting with Equifax for quite awhile trying to resolve this matter and they will not do XXXX!!! Even with a valid police report as well as other supporting documents. I am a XXXX veteran and Equifax is treating me worse than a criminal. I would like for them to remove and or block the fraud items I have listed in the attached letter and stop ignoring my request to correct this.
Product: Debt collection

I started getting calls from XXXX XXXX XXXX XXXX at XXXX on XXXX/XXXX/15. I also had a missed call at XXXX. I 've had 10 more calls in the 4 days since then some very early in the morning ( XXXX around XXXX ) until late in the evening. 

Most disturbing is that they have obtained information about me illegally and contacted my XXXX today. I have not ever and would never provide my XXXX office number as a contact for any credit application. The only place anywhere that I am associated with my XXXX is via XXXX as on of the contributors of the XXXX page. I have never been an employee or provided any official service at the address. 

I 'm not comfortable contacting them from my phone due to the fact that they have collected very personal information about me from an unknown source. I literally feel afraid with this latest development. 

I contacted the number from a computer phone at the business stated that they are Pioneer Credit Recovery XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I do n't have any additional information or bills from them as a direct or collection agency creditor. 

I 'd like to have some support in taking proper actions, as their approach has left me feeling physically unsafe.
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to lift a freeze on my Equifax report since I could not pass their validation of identity questions. I had all my current credit card statements in front of me but they. seemed to asking questions about credit cards or store cards I no longer have. They also asked questions relation to incidents many years ago where no one could be reasonably expected to remember the details. I understand questions have to asked but if Equifax hold my data without my approval they should at least be mandated to ask questions that a reasonable person could answer by keeping the questions more relevant and timely.