23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake
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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. 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 - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Statebridge Financials LLC on XXXX/XXXX/2016. My credit score dropped XXXX points due to the transfer, which I hoped would recover after Statebridge reports my on-time payments. On-time payments in the full amount with some payments with additional escrow have been made for XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 and XXXX 2016. None of these on-time payments have been reported by Statebridge to the credit agencies and therefore my score is well below any fair assessment and access to fair credit. By not reporting these on-time payments, Statebridge locks me into high percentage loans which otherwise could be refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed their inquiry with XXXX and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- XXXX voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from Oportun at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a VM the number listed is XXXX I want the inquiry from XXXX to be removed because I NEVER attempted to get a loan from your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is as follow ; XXXX XXXX  Account number XXXX Charge off Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. 
In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report?

2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions.

3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I also notice upon reviewing XXXX XXXX accounts are removed from my consumer report but are still showing on my consumer report as well.
Product: Debt collection

After disputing inconsistencies on my credit report the accounts I reported have been updated inaccurately. Which has resulted in MRS BPO , LLC repeatedly call and text me non-stop. This has ruined my quality of life by constantly being harassed by a creditor after I reported them to the CFPB instead of them recognizing the creditor 's inaccurate reporting is a violation of FCRA Consumer Laws they allowed the creditors to update the debt inaccurately and added 7 years to my credit report. I receive text messages, calls and emails 4-5 times a day my email box is flooded with threats for an account that was reported inaccurate XXXX XXXX  months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.
Product: Debt collection

I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Balances on all credit card balances are wrong. Loan amount is wrong. Mortgage is. wrong.
Product: Credit reporting or other personal consumer reports

I argued the validity of the XXXX debts - XXXX XXXX and XXXX XXXX - that this company has listed on my credit report. They never provided proof of validity. I contested and disputed both with the company directly and with all three bureaus. I am in firm belief that this company is in violation of the FCRA because even though I argued the validity, I was forced to pay the debt in order to close on my mortgage. This was paid in the summer of XXXX. I paid with the expressed understanding that this would be removed from my credit report. It has not been removed. I continue to dispute to have the collection removed. They refuse. The debt has been paid for XXXX years and it is still showing up which is drastically impacting not just my scores but my finances due to being forced to pay higher interest rates even though I argued that the debts arent mine. I told them I was paying the collections but was not admitting to being the responsible party. Regardless of validity, the debts were paid and were promised to be removed. Ive called and asked for their removal and they refuse saying they wont be. It serves no purpose except an abuse of power to keep those collections reported, especially when I was promised theyd be removed if paid in full, which they were. This is predatory and abusive and not fair credit reporting. Furthermore, the company couldnt get their information reported correctly as they reported conflicting balances due across the three bureaus. On XXXX, they claimed {$1000.00} was owed for XXXX and on the other XXXX claimed {$840.00} was owed. Clearly their record keeping isnt accurate nor is it being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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, 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.
Product: Debt collection

Contact this company for months and got no, respond sent letters no respond ask them to validate this debt no respond I need them to delete this account asap there in violation do to the fair credit act
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter dated XXXX XXXX, 2017 yesterday ( XXXX XXXX ) stating that BOA was shutting down my business banking account in 30 days ( with restrictions to the account starting in 21 days ). The letter states that there is no recourse, and that no reason for this closure will be given. The folks at the local branch I 've dealt with were unable to shed any light on the reasons for this. I 've never, ever had any financial problems with my account, which is tied to my 22 year old business with a stellar financial history. The letter states that I can call in to an automated phone line and leave a message, but that BOA wo n't reconsider closing my account.
Product: Mortgage

LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 card or prepaid card

I have never applied for or ever used any Union bank credit card. 
I received a billing statement for the card ending in XXXX for the period of XX/XX/XXXX to XX/XX/XXXX on XXXX XXXX for {$5.00} ( the transaction date was XXXXPlease see the attached pdf files containing XXXX  copies of all relevant Union bank documents mailed to me by Union bank ) . 
I called the Fraud number on XX/XX/XXXX to report that I had not only not purchased the item, but that I had never called to activate the card ending in XXXX or removed the sticker. 
I was told that this was a recurring charge and that they would start an investigation. 
I received another billing statement for the period XX/XX/XXXX to XX/XX/XXXX while the fraud investigation was ongoing for another {$5.00} ( Transaction date was XX/XX/XXXX ) plus the original charge of {$5.00} plus fees of {$7.00} ( this included a late fee of {$5.00} ) for a balance of {$19.00}. 
Since I was NOT SUPPOSED TO BE BILLED FOR ANY TRANSACTION INVOLVING REPORTED FRAUD, I assumed this was a billing error.I had received a letter dated XX/XX/XXXX ( see attachments ) stating that the fraud investigation was ongoing.However, I received a Union bank statement for the period of XX/XX/XXXX to XX/XX/XXXX for the {$19.00} plus fees charged of {$21.00} for a total of {$41.00}. 
The billing statement was for the new card that they had issued me ending in XXXXI never requested a replacement card, never phoned in to activate this card, and never took the sticker off this card.I have never used this card. 
I received a letter ( see attachments ), dated XX/XX/XXXX, from XXXX XXXX, stating that the charges involving the two fraudulent {$5.00} billings had been reversed. 
However, I then received a billing statement from XX/XX/XXXX to XX/XX/XXXX claiming that I still owed {$11.00}, of which {$9.00} was past due. 
I then realized that Union Bank does not know what they are doing and that they have extremely severe coordination problems that currently exist between their billing dept., fraud dept., sales dept., and loan dept.. 
Sincerely, 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 {$2300.00}, {$8800.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Product: Student loan

My loan service company is Discover Student Loans. XX/XX/XXXX and XX/XX/2016, Discover made unauthorized withdrawals from my bank account without my permission and without actually crediting my loan with the money removed. XXXX the amount was {$130.00} and XX/XX/XXXX the amount was {$140.00}. I have attached screenshots of my bank account records as proof. When I asked them to return the money, they said they had no record of the transactions and asked for bank records, which I provided and I 've attached here. They rejected the bank records and said to check with my bank for a " remittance report. '' My bank did not know what that was, but still provided me with a more detailed record of the fraudulent withdrawals. I forwarded this information on to Discover and still have not gotten my money back. Discover basically stole almost {$300.00} from my bank account and is stonewalling any attempt by me to recover this money. My bank was able to reverse the XX/XX/XXXX charge, but due to the XX/XX/XXXX charge being over 60 days old, they can not reverse this charge and I am left to Discover 's mercy to get my money back. I have attached the additional information given to me by my bank for the outstanding XX/XX/XXXX charge.
Product: Credit card or prepaid card

I bought a Vanilla gift card XX/XX/XXXX at around XXXX XXXX  from circle k. I tried to activate it and i couldnt. I contacted the company and waited on hold for 20 minutes, they activated it right away. the following day i attempted to use the card. I couldnt. I then tried to use it at a different merchant and then in person. The card was declined. I did this several times to make sure it was the merchant and then yesterday XX/XX/XXXX I called the company. I waited on hold for an hour and was told it was locked for suspicious activity. The man ask me to verify my attempted transaction. i did. he then said they needed to open an investigation. it would take 10 bussiness days and i needed to send the reciept, a form of proof of residency and a copy of my id. I told him no, I am not doing that, let me speak to a supervisor. He then out me hold where no one ever came. at about 2 hours on hold I hung up. I then called again this morning XX/XX/XXXX and spoke to a rep, went through the same thing and finally got a supervisor. i listed every single merchant I attempted to use but one i couldnt remember. she then told me the same thing. This is not the first time and i have spent over 4 hours dealing with this, being embarressed and upset. I only put XXXX dallors on this card and regerstered it online. This is rediculous!
Product: Payday loan, title loan, or personal loan

A Payday Loan Company Money 4 you in XXXX, Utah says I took out a loan with them. I never took out a loan with this company and told them several times over the last 5 years. I sent them proof that it is not me with birth date and different Social Security numbers Etc. They won't quit hassling me through the courts and have served me papers several times and issue a bench warrant. 
The original loan they say was in XX/XX/2014. I did not owe this company any money and I want them to stop the abuse and using the courts to intimidate me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. Also, I'm on social security and I'm on state insurance. 

medical payment XXXX  Account number # XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, MD amount of {$500.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.