23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not a request for a dispute this debt was involved in IDENTITY THEFT. 

This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor. 

They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them. 

They " have '' been notified on several occasions by telephone and refuse to honor my request. 

They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft. 

They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID. 

In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe. 

Identity Theft Police Report is attached for the tenth time for this company to read.
Product: Debt collection

I.Q Data International collecting a disputed debt on behalf of XXXX XXXX XXXX XXXX, has reporting an amount due as delinquent debt to the credit reporting agencies. The contested debt is basically for " pest remediation '' and the lease provides that such amounts are chargeable only based on the " negligence '' of the tenant. The disputed debt is therefore not a voluntary credit transaction under CA law. XXXX : XXXX case. 

Nonetheless, I offered to pay the full amount of the debt upon the offer of the IQ Date Intl agent that she would remove the tradeline. However, the agent said this offer was only available if paid within the next hour. I requested that the terms of this agreement be put in writing and then I would pay the debt so as to remove the tradeline. The agent refused to send a offer letter, or letter confirming the oral representations. She also failed to provide the mini miranda disclosure and said she only needed to make that disclosure on the first call with me earlier. The agent also acted in a rude and unprofessional manner and essentially hung on me.
Product: Credit card

Citi blocked the use of my XXXX Citi XXXX due to a purchase I was attempting to make online. 

Upon calling Citi to acknowledge the transaction, I was asked if I use any other Citi products and had a home phone. After responding no to both, I was told I was unable to verify my account. I would have to wait 5 to 10 days for a letter containing a code to verify my identity to reenable my card or cancel my account.
Product: Mortgage

I received a letter from my Chapter XXXX Trustee that stated that Ocwen was paid {$530.00}. I reviewed my payment history, and it does not look like Ocwen Credited this amount to my account anywhere. I am attaching a copy of the letter so that you department can review it to validate my claim.
Product: Mortgage

Received a BofA scam call and while looking at my account noticed a bal {$1100.00} on the equity line ( escrow ) this account has not been used in a very long time and called them and was told it was insurance charges because I didn't have home owners, I never had an escrow acct with it. I explained I always had and they said they contacted me by mail which I never received and they checked the communication was sent to the wrong address. I have never been contacted by them previously. I wanted to close it now because they said to show proof of insurance and it would be taken care of, we sent it by email to them, and same time provided insurance company contact information. My insurance company also sent it, they confirmed receipt of it, but have not credited it back so I can close this account and no one will update me or tell me what's going on. 
Called XX/XX/year> and several times prior to that, Last call was on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I started a XXXX XXXX account and ordered XXXX item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from XXXX but XXXX XXXX XXXX  will not delete off my report and doesn't reflect it was paid.
Product: Debt collection

I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges. 

These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX - XXXX To whom it may concern, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are several apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account, necessitating immediate action to address these issues. 

I hereby formally request a comprehensive debt validation, inclusive of the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX - XXXX. 

Original Creditor : Clearly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX - XXXX was initially established. 

Date of Last Payment : Specify the exact date of the last payment made concerning this account. 

Date Account Was Closed : Indicate the date on which the account CAF - XXXX was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it is evident that there have been lapses in adhering to these obligations in ensuring the accuracy and validity of the information reported by XXXX. Therefore, I demand a prompt response and resolution to rectify this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Consider this letter a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be sent to the CFPB portal. Furthermore, please ensure that any corrections made to my credit report are promptly reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to Experian, XXXX, and XXXX. Experian and XXXX and XXXX are not doing their job and are just verifying these accounts as accurate without really investigating.
Product: Credit card

Company name : Bank of America I gave them permission to pay {$10000.00} to another bank XXXX because of an offer they was offering me o % interest for 15 months. My account from XXXX never got paid. Bank of America mailed a check to pay XXXX but not my account. I brought to their attention! They telling me XXXX cashed the check!!! But wasnt paid to my account as agreed, correct? I opened a claim & also fraud and they denied, because they keep saying paid My account, wrong!!! 
I also went to a branch location to have someone there assist me in which the manager knowledge the issue and also has hard time dealing with bank of the America phone reps. All Im asking is for them to correct the issue with XXXX and pay the correct account. I went from owing {$10000.00} to XXXX and now {$10000.00} to Bank of America which they never paid XXXX lol
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX  removed Capital One Auto Finance ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
Product: Bank account or service

I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public.
Product: Credit reporting or other personal consumer reports

Our credit was unfairly and fraudulent reported due to United Mortgage Company and XXXX XXXX resulting in a low score, which we have NEVER had. United Mortgage Company transferred our mortgage to XXXX XXXX and did not inform us as my understanding of the Truth in Lending Act requirement. We received letters in late XX/XX/XXXXXXXX  from XXXX XXXX of a " data breach '' which we thought was junk mail. 

We finally received a notice from the VA ( on XX/XX/XXXX ) we were over XXXX delinquent as did not know our autopay was purposely stopped ( it was in a savings acct so did not notice right away ). I immediately paid the {$5100.00} to UMC on XX/XX/XXXX, which they accepted, they would not answer why my autopay was stopped and I could not reach a real person, only AI messages. 

I finally noticed on the VA letter of strange mortgage company XXXX XXXX and figured out my loan must have been transferred since I got the data breach letters-however when I called XXXX XXXX, they did not know of my loan. 

When I complained to UMC they told me to call " customer relations '' -which was really XXXX XXXX . UMC ignores or lies about everything, it is horrifying such a mortgage company is allowed to do this. 

We still have not received anything from XXXX XXXX or properly notified our loan was transferred and terrified to make a pymt to XXXX XXXX as they are a scam company-they owe customers thousands in lawsuits and now breached both my husband and my data-we are XXXX veterans and live on XXXX-this is unacceptable. I contacted the VA and will not help. I have no idea who our true mortgage company is and now our data is breached and my credit is RUINED. 

My score has historically been in the XXXX or high XXXX 's for over 40 years. Now it is in the low XXXX and no one will help me, I asked right away for UMC to make certain they notified me of changes and correct any reports sent to credit agencies. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXXXXXX XXXX XXXXXXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX Date of request XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the XXXX XXXX XXXXXXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX  checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Product: Credit reporting

I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion on numerous occasions about inquiries accessed on my credit file without my consent. Was told by a transunion representative that companies have the eight to view my report as wanted without my consent. The inquiries in question are XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX as well as XXXX XXXX on XX/XX/XXXX. Asking for immediate removal of inquiries asap. No I have no contracts or binding business with any of the inquiring companies nor did I approve access.
Product: Debt collection

I spoke with XXXX college on XX/XX/2019, not only it was cancel but they removed the {$1000.00} and change it to {$260.00}. I was told from two reps that they were going to forward the updated amount of {$260.00} to XXXX XXXX, however Ability recovery is refusing to honor the amount from XXXX college. Also I disputed the information with XXXX, XXXX can back saying that the amount was updated. but it still showing the amount of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I Have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There's inquirys of places I havent even appled for want them off my report
Product: Credit card or prepaid card

Dear Representative, I really need your help solving this fraud issue with BOAXXXX debit card. After numerous called made. I keep getting the same answer from them. We are still investigating or We will resubmit your claim again. 
. 
On XX/XX/XXXX, I called BOA/XXXX ( XXXX ) XXXX to report a total of 370 fraudulent charges of individual {$1.00} made to my account for a total amount of {$380.00} on XX/XX/XXXX by XXXX XXXX XXXX On XXXX XXXX I was credited {$100.00} claim number : XXXX. 
kind of odd that I only received a partial credit when all the fraudulent charges were made on the same day Called back again and this time another partial credit was issue back on XX/XX/XXXX I was credited {$77.00} Claim Number : XXXX again just partial XX/XX/XXXX. I called back again. After requesting to talk to a manager I was placed on hold for over 30 min. Still could not speak to a manager. However I was told that a claim for a {$290.00} was being submitted Today XX/XX/XXXX I called to asked why the credit has not been issued. As usual I got the same answer we are still investigating Please advise Thanks in advance for helping me to solve this issue XXXX XXXX
Product: Checking or savings account

An unknown person fraudulently opened a XXXX Cash.App account in my name, and a Cash.App debit card was sent to my correct home address. 

I immediately called the number on the Cash.App website to alert them to the fraud, and to request the card be closed.

First, the Cash.App account service agents hung up on me twice, and then refused to close the account unless we provided additional information which we did not feel comfortable providing to a company that was already proven to allow fraudulent account activity. When I requested to be connected to a supervisor, the agent refused to connect me because " I do not have an account. ''
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

I contacted WestLake Financial due to me being in the military about an voluntary surrender for the XXXX XXXX XXXX and they stated that the car was updated in the system as abandoned after GAP insurance paid the value of the car on the day the incident happened and they never tried to contact me about anything so now they are still wanted XXXX a month for a car that is totaled out and no longer working and I just dont have that kind of money every month for them when Im trying to work on getting a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting 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
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 inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am emailing in regards to XXXX bills from XXXX XXXX XXXX still showing up on my credit file. I am aware that Collection Consultants in XXXX, California ( XXXX. XXXX XXXX, zip XXXX ) still has me showing bad debt for {$75.00} and for {$10000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Bills ). 

XXXX XXXX, my insurance plan was never billed for the XX/XX/XXXX {$10000.00} amount and is still awaiting on the bill from XXXX XXXX of XXXX. 

The {$75.00} debt was sent to collections without me ever have received a bill. How am I supposed to know that the {$75.00} debt to XXXX XXXX of XXXX is mine? No bill was ever received but it was sent to collections without my knowledge. 

I do know that starting XX/XX/XXXX there have been many changes to all three major reporting agency companies ( XXXX, XXXX and XXXX ). I know that my social, my name, address and either my D.O.B or social should be listed to identify me as the person who the company is trying to collect a debt from. I also know that this past XX/XX/XXXX, all XXXX agencies are to remove all medical debt accounts that were sent without properly billing my or any XXXX persons medical insurance. I demand proof from XXXX XXXX XXXX of XXXX that they have billed XXXX XXXX as I have sent in my bills on my own and they have been awaiting a response from XXXX XXXX XXXX XXXX since the beginning of the year to send in a payment. They requested their TAX ID to make a payment on the XX/XX/XXXX bill for {$10000.00}. 

I work in the XXXX field and I understand that insurance companies MUST be billed and that it can take from XXXX days to up to a year for payment. In this case, XXXX XXXX XXXX of XXXX just sent my account to collections for {$10000.00} and tarnished my hard work in keeping my credit file clean. 

Please let me know what can and will be done. A copy of this has been sent to CFPB.
Product: Checking or savings account

I opened a checking account with FNB PA on XX/XX/2024. There was a {$XXXX} banking promotion if {$XXXX} was direct deposited in the first 90 days and 15 debit transactions were also done in the first 90 days. The promotion was to be paid out 15 business days following the 90 day period. 

Once I finished the requirements, I removed my funds from the account. The account was closed without any notification. I came to find the account closed weeks later as I could not log in. I reopened the account with a small deposit so that research could be conducted on how to move forward. 

Now FNB is telling me they will not honor the promotion. I do not agree with the decision. I would warn others around FNB 's ability to honor marketing promotions they put out to incentivize deposit activity.