23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over 7 years ago I used GE Money bank to buy glasses from Lenscrafters. This company repeatedly knocked me out of direct withdrawal resulting in late payment charges. I have documentation that shows I repeatedly called and took care of the situation and how much I paid over time on the account. I called to pay off what I showed to be about XXXX. They told me I still owed over XXXX. I disputed the amount, asked to speak to supervisors and requested payment history. All was repeatedly refused. After sending to collections multiple times I have tried to settle for the amount of XXXX that I knew I owed. Repeatedly it has been refused. Collectors are constantly reselling the debt and I have stopped asking for evidence of debt because it is always the same answer, " It was not our debt, we just bought it and we do not have any of that information. '' Since there has been no action on this account for over 2 years should n't it be charged off by now?
Product: Debt collection

I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me. 

" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide. 
XXXX. The answer was quite rude. 
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with. 
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact. 
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations. 
XXXX. These tactics are against the Fair Debt Collection Practices Act. 

The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up. 

I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above. 

I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX 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
Product: Credit card or prepaid card

I have a credit card account with Neiman Marcus ; account number XXXX. I have paid for all items I purchased and did not immediately return as the description of the size on line was not accurate, and the item ( clothing ) once delivererd was too small for me to wear. I owe no monies to Neiman Marcus as all purchased kept have been paid for, and all other items purchased were timely returned for credit. I have all the credit return mailing information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear Experian Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both TransUnion and XXXX. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : XXXX. A copy of the results of your investigation into this matter. 
XXXX. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Product: Money transfer, virtual currency, or money service

In XXXX I was feeling lonely and was on multiple dating websites. One of them was XXXX, and I had been chatting with someone in the XXXX. One thing lead to another and they took a video of me XXXX chatting with them. They wanted me to pay to get it taken down, and managed to get {$500.00} out of me. Well I eventually blocked them and reported to XXXX XXXX, and the transfer sites that it was a fraud. Well, come to XX/XX/XXXX I was contacted by an email claiming they were the Supreme Court. They had me pay {$4600.00} for a bond fee on XXXX second to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had stayed in contact with them for a few more weeks trying to see how the case was doing, and then they had me pay an additional {$2000.00} as a restitution fee. This was paid to an XXXX XXXX who banks with TD bank. After I paid this fee they never contacted me again. They seemed legitimate, and I believed every word at the time.
Product: Money transfer, virtual currency, or money service

I describe below in detail the incident. I learned a lot of people are being scammed and the fraudulent XXXX page is still up despite my attempts to put it down. 

1 - I decided to give my wife a puppy for her birthday. I researched on multiple places from physical stores to online. One page was very responsive : XXXX XXXX  XXXX 2 - They showed me multiple puppies and replied promptly to questions about the parents, and etc. They told me to go to a XXXX and make a XXXX transfer to XXXX XXXX from XXXX, Georgia. 

3 - I made he transfer of XXXX USD on XX/XX/2019 at XXXX, XXXX Reference XXXX. I sent a picture of the receipt and he asked me to wait few minutes. 

4 - I received then an email confirming the shipment at XXXX - XXXX XXXX XXXX spoofed email 5 - At XXXX I received a second email from XXXX ( also spoofed ) where they claim there is a problem with the travel crate and that I had the option to rent one so that the shipment could continue. The rental price would be largely be returned once the dog arrived. At that moment I realized I had been scammed and they were trying to get more money. 

6 - At XXXX I receive a call supposedly from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Agent XXXX, the operator had an XXXX accent, he told me to go thru the 2 emails he sent me that he would call again in 5 minutes. At XXXX He called again and I got his number so the person who was shipping the dog could reach him directly. 

7 - At XXXX over XXXX chat I ask the seller to contact XXXX and then he claims it was the first time this happens, that he does not have the money to rent the crate. 

8 - He starts to menace I was not the owner of the puppy, legally responsible for it. I ask him his phone number so that we could discuss so at XXXX he gives the number XXXX. 

9 - I call the number and the voice on the other side was the same XXXX accent I had heard minutes before " XXXX ''. I told him to solve it or give my money back. 

10 - He is then back to menaces I was legally responsible, I was abandoning the puppy and that he would call the copes on me. All this logged on XXXX chat. 

11 - At XXXX I called 911 and they said it was not an emergency so I had to contact the correct agencies, they asked me to call a number that seemed to be a mistake. 

12 - At XXXX I called XXXX who said my funds had gone and they could do nothing about it. ( easy no? ) Since then I called XXXX, XXXX  XXXX XXXX several times. I wont be able to have my funds back as per their feedback. 

I tried to report the page multiple times on XXXX, the page is still up deceiving other people. Nobody seems to care. XXXX autocloses my tickets. 

If there is still someone reading this please stop this people now. I am since Saturday reading tons of reports like mine. Let me know what can be done. Who do i contact? Is the money gone forever? Is this guy happily deceiving other people? 

Please ask XXXX the details of this XXXX XXXX as well as video to catch him. Please let me know if it happens, my feeling of impunity for fraudsters is quite high. 

Thanks for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I reached out to CoreLogic CredCo to get a copy of the consumer report they had on me. Upon receiving the report, I immediately wrote back asking them to delete information that was inaccurate, against HIPPA regulations and not properly verified as mine. I asked for an updated copy of their report once the appropriate changes were made. This letter was dated XX/XX/2021 citing Dispute Entry # XXXX. 

On XX/XX/2021 I received a letter with an attached report, ticket # XXXX. Nothing was changed. There are still accounts listed that are in violation of HIPPA, accounts that violates 15 U.S. Code 1681c as well as 15 U.S. Code 1681 ( 7 ). Furthermore, they're citing their source as XXXX and yet XXXX is a CRA that does not have the items listed that I've disputed. Furthermore, to have such items listed violates the FCRA as they're refusing to comply with requests to delete when they clearly haven't verified the information to cite XXXX 
I've subsequently filed an FTC report XXXX # XXXX XXXX for fraudulently reporting errors regarding my consumer report and they're blatant failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've tried to inquire about payments and the additional per diem interest charge on my account when the contact already calculated the finance charges. The loan amount on this is loan states {$10000.00} and I've made payment on or before the due date. But back in XX/XX/2019 the loan started getting problematic and the account started accurring per diem interest and due to the reversals of payments for corrections on Bridgecrest aka XXXX I was being charged double interest on this loan and the even though I made extra payments some because they deducted payment twice and others I made to apply to principal only the balance doenst seem to be correct and the principal only payments some are missing because upon reversal of payment it was applied to the interest because their system took payment as being late or not paid, so this account is totally incorrect and I have no idea at this time where my payment are being applied, despite the transaction history. You can see that majority of payment goes to interest. And Im not sure why Im being charged a per diem interest rate when the finance charges were already calculated in the loan amount. So I'm double paying on interest with per diem which shouldnt be on the account, and the already finance charges on the agreement. 
At this rate I will never be able to pay this loan off even in the allotted 66 months that also increased to 69. My payment are $ XXXX and payments started XX/XX/2019 to present but with additional payment which seem to be missing? Im not sure how they applied because the whole amount should be applied to principal but payment was reversed out there system and then applied as a regular payment and interest deducted. I cant get an accurate count on number of payments but I believe its somewhere between 28 or 30 maybe more because of reversals. I tried to contact Bridgecrest and have them audit the account and asked for explanation of the per diem interest but they keep insisting that the account is on tract. I asked why the per diem interest if the finance charges is already included, They tried to assure its the same thing finance charges and per diem interest which is nowhere on the contact that I agreed to. If you changed this is was in hopes that I would default on the loan or payments which has not been done on my part. So this is double finance charges so I wont be able to pay this loan off. I need assistance to get this account recalculated and remove the per diem interest since that should even be charged at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I was never late on my account XXXX XXXX it say I was late in the month of XX/XX/XXXX and XXXX of XXXX Account xxxx {$1000.00} Open XX/XX/XXXX Past due XXXX XXXX I was never late
Product: Mortgage

I closed on a mortgage in XX/XX/2020 with a rate of 4.25 %. At that time rates were in the 2s no matter what credit report was like. This was an fha loan. 3 people on loan ... XXXX $ to put down. Usually if this happens to a person it is to get money back at close. This did not happen. 
I paid XXXX XXXX of innovative mortgage ... XXXX XXXX XXXX over XXXX $ the broker was to find a lender in my best intrest. He did not. Since i have refinanced to a much lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}