23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. 

I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.
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 and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$44000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$22000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I filed a dispute for unauthorized transactions that were made from my Chime checking account and was denied. My card was lost on the XXXX of XXXX and my last transaction was at XXXX at XXXX XXXX XXXX XXXX XXXX The unauthorized withdrawals happened from the XXXX of XXXX to the XXXX of XXXX totaling to {$5000.00}. I re opened my dispute and was denied the same day. In my denial I received a email telling me no errors were made on my account. This situation has caused a hardship on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both XXXX and Experian during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both XXXX and Experian for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.
Product: Debt collection

Jplrecovery has contacted my job 3 times stating they are attempting to collect a debt I then asked them what it was regarding and XXXX states he did not need to speak with me so then I told him to stop calling my work and to call my cell phone # the first time, second attempt they called asking who the manager was and I hung up on them third attempt they asked to speak with me again and they were hung up on.. The 4th call was made to my employers home phone number which they spoke with my employers wife and asked personal questions and disclosing that they are attempting to collect a debt and asking the status of my employment, when I was hired, my pay rate which my employers wife did not have that info and asked them not to call their home. Jpl recovery then asked when they can call back to obtain the information they were asking for. Employers wife states numerous times she did not have that info and to stop calling. She did obtain a call back phone number and a name of person calling ( XXXX ). I would like to file a complaint of harrasment against JPL recovery
Product: Payday loan, title loan, or personal loan

Good morning, I have been trying to resolve this matter in an amicable manner but so far it has not worked. I placed an order with XXXX XXXX SC in XXXX for a dining table and 6 chairs and financed it through Affirm. The started taking my payments right away, which I had no problem with because I have financed other items through them and never had an issue. The problem here is that XXXX has yet to deliver my order ; they were extremely friendly and always had all sorts of explanations. After a while their explanations/excuses did not make sense and I was stil making payments and did not have the items I was paying for. I asked Affirm to cancel my transaction and they said they could not until XXXX cancelled it first. And herein lies my issue, XXXX has not responded to my emails and phone calls for over two months. I even filed a complaint with the XXXX  and they did not respond to them as well. Affirm will not reimburse my money until XXXX confirms the cancelation and in the meantime I am still making payments because if I stop my credit will be affected. How is this fair? I will be eternally grateful if Affirm can understand that not all the companies they contract with are transparent on their dealings. I really would like to get my money refunded. Thank you so much!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/2020, BSI Financial Services purchased my mortgage. My homeowner insurance payment was due in XXXX. They did not pay it. I called and informed them of the situation, and told them I would hold the liable for anything that happened to my house while the insurance lapsed since it was their responsibility. My insurance agent ( XXXX ) contacted them and sent them the information to get the payment made. I was told by BSI that I needed to do nothing else and that it would be taken care of. 

XX/XX/XXXX, I receive a letter from BSI dated XX/XX/XXXX, stating that they are going to purchase homeowner 's hazard insurance since my insurance expired. I spoke to " XXXX '' from BSI and explained to him that this was supposed to be taken care of and that they have control of my escrow. I asked why they didn't do it and was put on hold while he called my agent. I was then told it was because I didn't sign a paper as required by my insurance agent. I conference called my agent with " XXXX '' on the line. My agent told " XXXX '' that he was lying and that he just called and was told they have a record of sending the required information to BSI in XXXX and have been trying to get them to release the funds. Now, since BSI did not pay my insurance on time, I have to reapply and my house insurance is going up approximately {$190.00} / year. My agent said it would not have gone up if BSI paid when they asked and when they were supposed to pay and not allow it to lapse. 

I called " XXXX '' back and explained in a heated conversation that BSI owes me the {$190.00} dollars since they failed to pay the insurance from my escrow. He relented and agreed. I asked for documentation stating this and he did not agree to that nor have I seen any documentation. 

I checked their website, and my escrow still has the funds for my insurance company listed even though they were supposed to overnight a check to reinstate my insurance. 

Please help. 

My insurance agent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX My mortgage company is : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a {$1.00} charge from XX/XX/XXXX and then monthly charges for {$19.00} going back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from merchant TRANSUNION. 

I am not even aware that I am signed up for any service from them other than the free credit freeze. The only reason I ever signed into their website was to lift a credit freeze that I placed long ago ( due to XXXX hack ). I never gave them my credit card information, so I do not know how they have been charging me. I never agreed to any service from them. 

I started a fraud investigation with my credit card company, XXXX. 

I signed into TransUnion website to see if it shows if I was signed up for anything and saw a link button on the website about " TransUnion Credit Monitoring '' cancellation so I clicked it to immediately cancel this service that I did not even know existed and I never signed up for. I am assuming that this is what the charges are for, as the credit card statement does not say what it is for.
Product: Credit reporting or other personal consumer reports

Last week I realized my credit score had dropped well over XXXX points. After reaching out to XXXX and experian today XX/XX/year> they informed me they had not received any information from XXXX  about my account in the past 6 months. Therefore I no longer had a credit score which I presume led to the drop in my score. I called XXXX  and after over an hour on the phone we confirmed that I was unable to obtain my report from XXXX. They insisted that they were correctly reporting the information to the agencies but the agencies insisted XXXX  is not reporting it.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My new mortgage servicer Shellpoint Mortgage Servicing requires additional insurance coverage which wasn't required at the time of the original loan. When they initially requested proof of insurance, I sent them exactly same hoa master policy that i had submitted for loan approval. Shellpont said they'll reverse premium charged on my escrow acct ( now~ {$1800.00} ) and to wait for notification in the mail. Didn't receive any notification. Only learned today they charged for additional insurance H06, which wasn't required at the time of original loan, at an exhorbitant price, like 10x market rate. How could they change the terms of the original loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with experian credit bureau I have disputed a number of inaccuracies on my experian credit from wrong address to wrong names, and old accounts that are close or paid in full still reporting on my credit report I have spoken to numerous customer service representative and to no avail experian representative refused to remove anything from my report even with documents I have fax over I need wrong address remove wrong names to be remove and closed of and paid in full accounts to be remove immediately
Product: Credit reporting or other personal consumer reports

Ally CC company is reporting a balance due when they did a charge off. Requested a 1099C which I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under XXXX USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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. 

Also the credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, we returned our KIA lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be XXXX and there would be delays in receiving any paper mail while we were overseas.

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Debt collection

Today, I received a call from RT and Associates. I was provided with Case ID XXXX stating I was being sued by Chase Bank for a debt from XXXX. I stated I have no knowledge of this debt and have not received any correspondence to verify the debt and I am not going to go by a phone call. 

The rep XXXX XXXX became irate with me and stated I made payments to the debt, I advised I do not even recall the debt due to the length of time. I informed him, I filed bankruptcy XXXX XXXX XXXXn XXXX and any and all debts on my consumer report were included on the report. I did not have a chase account on my report because based on my calculations that would have been removed at the time. 

I am very disappointed in the way this representative talked to me and the failure to provide documentation to support their claim. 

Forward to- Chase Bank Forward to R.T. Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX