23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : 1. I've never shopped at XXXX XXXX 
2. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
3. They don't have correct information about my name.

4. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from Firstsource Advantage , LLC ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to XXXX XXXX XXXX, XXXX. 

I'm not sure what to do next. I haven't contacted either XXXX or Firstsource because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
Product: Mortgage

Dates are XX/XX/2023 and XX/XX/2023 and possibly for XX/XX/2023 Im struggling still to make payments due to job loss and no wages to pay my mortgage and vehicle and maintain my utility bills. Ive gone to Community In Action, XXXX and I feel like theyre always closing doors. I can never get help from them. I want to keep my home I havent been a few Monday hopefully to get the job but Im not giving up and looking for work still its been hard and tough. Im a single mom, I have faith that I will get a job here soon. God is good please help me financially to keep my home.
Product: Mortgage

I purchased my condo threw habitat for humanity about 10 years ago. Habitat  sold my mortgage to a company called affiliate mortgage services on XX/XX/2020. As a 5 unit condo in Florida our association never required us to have a HO6 policy. The new lender is now requiring it. XX/XX/XXXX I received my first letter informing me to purchase ho6 ins and the second letter was XX/XX/XXXX. I purchased HO6 insurance on XX/XX/XXXX and provided it to AMS. Affiliate mortgage services is stating I owe them for the months of XXXX, XXXX, and XXXX. I have requested a copy of the policy and a canceled check proving I have forced placed insurance in place and I have not received any formal documentation other than a statement saying I owe them money. Also Id like to add ho6 insurance is not required in the state of Florida, it was not required by the previous lender and was not required by the condo association. As none of the 5 units have had ho6 in the past 10 years. I feel like this company is doing this to every homeowner in the keys as they have purchased all of habitat for humanitys mortgages. Thats thousands of homes and homeowners they are doing this to, not to mention we were on a stay at home order in XXXX. I think this company is trying to make a ton of money on unsuspecting people who were never required to even have this type of coverage. I would appreciate any help you could give. Thank you.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

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 card or prepaid card

I purchased a {$25.00} prepaid debit XXXX  card that is valid through XX/XX/XXXX. I didn't make any purchases with it that I could find or recall or even verify. The balance on it today, XX/XX/XXXX is {$1.00}. 
I contacted the customer service number on the back of the card to get answers as to why my balance is {$1.00}. 
The customer service lady verified my information on my card, put me on hold and told me that she couldn't find any transactions made with the card and said that she didn't have any explanation for the extremely low balance of {$1.00}. 
She apologized and said that she could only go back 2 years to check for any purchases made. I had no way of knowing that the card would not be accurate 2 years after I purchased it especially considering that the expiration date on it clearly shows that it's valid through XX/XX/XXXX. 
Therefore I lost all of the money that I applied to the card including the fees and taxes when making the purchase just to find out that the card had been drained down to a useless account of money later. The customer service lady had no actual solution, apologized and said that there was nothing she could do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute
Product: Credit reporting or other personal consumer reports

XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. AMERICAN EXPRESS account XXXX and account XXXX were charged off, but XXXX continues to report them as a charge off every month in this manner updating them monthly. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations. Additionally, XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 - I got a hard inquiry on my credit report from Wf Crd Svc ( XXXX ) XXXX. This is a fraudulent activity or identity theft On XX/XX/24 - I got another hard inquiry on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX. This is also a fraudulent activity or identity theft I have not been able to contact anyone at those banks since I am not a customer. I called XXXX and placed a freeze and fraud alert on my credit report.
Product: Debt collection

The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. I've previously files a complaint ( XXXX ) against the company on XX/XX/2022 and filed several disputes where the collection was removed. I received a letter from them again attempt to collect a debt that is 8 years old. A copy of all the supporting documents will be attached with this complaint. Please advised if the company has violated my privacy rights so i can take legal actions against them.
Product: Checking or savings account

I filed a claim for {$130.00} that I did not do they mailed the paperwork on XXXX of XXXX it got to me XXXX XXXX or or XXXX of XXXX it was suppose to be there in 3-5 business XXXX dollar ATM with draw at XXXX I didn't do an XXXX charge to XXXX I didn't do .it states in contact you sign that if there investigation is not done with in XXXX business days you will not may get a temporary credit until they complete the investigation. There refusing to credit my account an they sent me claims that I didn't make so I corrected the error an mailes back my paperwork on time.
Product: Debt collection

I XXXX XXXX ; received a notice in regards to a debt from Linebarger Goggan Blair & Sampson , LLP. Pursuant to Title 15 USC 1692b ( 2 ), Linebarger Goggan Blair & Sampson, LLP which is a debt collector. Shall not state that I XXXX XXXX who is the consumer owes any debt. Not only should they not state that I owe a debt ; they never validated that debt. Which is also another violation ; pursuant Title 15 USC 1692g. Also how did they get my place of abode? I never gave it to them nor did I confirm it. That is another violation pursuant Title 15 USC 1692b ( 1 ). I never gave them consent to communicate with me. That is another violation Title 15 USC 1692c ( a ). Communicated with me at an usual time and also at my place of abode with out my consent Title 15 USC 1692c ( a ) ( 1 ). Telling me I owe a debt, which is harmful to me at any give time to hear ; Title 15 USC 1692d ( 2 ).

Linebarger Goggan Blair & Sampson, LLP ; showcasing the words NOTICE OF DEBT on the envelope. Title 15 USC 1692f ( 8 ). The false representation of the character amount of any debt Title 15 USC 1692e ( 2 ) ( a ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated 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

Unauthorized inquiries on my account that I dont know anything about
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I followed up on my credit report on the day of XXXX, XXXX, XXXX The accounts on my credit were reported without my permission that is not in my name. The accounts listed are XXXX XXXX XXXX for {$510.00}. XXXX XXXX XXXX XXXX for {$590.00}. The law states the following 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 agency can not furnish an account without my written instructions. 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit card or prepaid card

Few unauthorized charges happened on my account. I noticed them and reported them to upgrade ( issuer ). However, upgrade ( now ) wanted me to pay for the fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account information with XXXX  for account with Possible Finance Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
Product: Credit reporting

Equifax has suppress an auto loan and has made excuses not to add the account to my profile.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

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 XXXXXX/XX/year>
Product: Consumer Loan

I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....
Product: Credit card

I made a payment for XXXX on XXXX XXXX2025. I saw pending transaction on the XXXX, all of a sudden it disappeared. Then I was charged a late fee
Product: Checking or savings account

See the attachments for : -Bank of the West notification to me of a breach in my online banking account. 
-Bank of the West Complimentary Service Offer for one year subscription for " Identity Guard '' credit monitoring and theft protection service. 
-Redemption Code and instruction to self enroll by XX/XX/XXXX. 
- ContacXXXX number for Questions. 
- Features to include " 3-Bureau Credit Report and Scores ( provided by Credit Expert )... etc. 
- Signatory on the letter by " Corporate Security Office, Bank of the West '' I enrolled in late XX/XX/XXXX. 
- I attempted to access and review my account in late XXXX or early XX/XX/XXXX. 
- The account was empty of any data other than my contact information. 
- Identity Guard explained to me that Bank of the West " had not paid '' for the service. And instructed me to call Bank of the West. 
- After a half dozen phone calls and hours on the phone ( various dates ) with BoW customer service people and supervisors on XX/XX/XXXX I was told by a woman in Online Banking that 1 ) they had found the letter, 2 ) were working on it and would be in touch with the resolution. 
- I followed up on XX/XX/XXXX. After 45 minutes of discussion with underlings I am told by " XXXX '' in XXXX Banking that they have no such letter and the issue doesn't lie with Online banking, plesse call the number provided in the letter. He then hung up on me. 
- I called the number in the letter again. For the third time they transferred me to Online Banking. 

8 months after the breach I still have not received the monitoring services or even a phone number for the office that sent me the letter.
Product: Debt collection

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is SECCREDIT account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and XXXX have thisnkaited as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has cashed me a lot of pain and stress
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX now also known as XXXX XXXX XXXX  back in XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.