23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

This is a follow up to prior complaint # XXXX. 

Within the prior response, Convergent noted that they would ask the credit reporting agencies to remove this from my credit report, it has been over 3 months and this continues to be reported. I am currently going through the process of applying for a mortgage and this continues to negatively impact my credit and interest rates I qualify for.
Product: Checking or savings account

US Bank put into process of closing my checking account XXXX back in XX/XX/2024. I call multiple times and asking for complete closure of account and remaining funds be sent by check to my home. I has been doing that since XX/XX/2024 and still with no answer. They refuse to release my funds even though there is no fraud on this account but they said there was. The funds held are to pay my bills and livelihood and they are not giving me any reason and is holding my money illegally. Please help me get my money back so I can start paying my bills and supporting my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX I agreed to a settlement with Equifax in the amount of {$1500.00} for their recent data breach. In XX/XX/XXXX I received a 1099 for tax year XXXX in the amount of {$6700.00} after not receiving any settlement proceeds whatsoever. As of todays date ( XX/XX/XXXX ), I still have not received any settlement proceeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 4 XXXX XXXX  collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my Experian credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under 7500 but the very first billing statement from XXXX XXXX  stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over 1000 dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX  still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX  could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with TransUnion making the process very difficult. The account was finally closed in Fall XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 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
Product: Mortgage

Hello we applied for the mortgage assistance program 8 months ago. An application was submitted. During this time we were told that our loan was under review for assistance. In the month of XXXX we were told that our account was eligible for partial claim option by cross country rep XXXX ID : XXXX. On XX/XX/XXXX it was confirmed by rep XXXX that the account was now going to be reviewed for partial claim. As the months passed numerous phone calls were made and all reps kept telling us the account was being revied for partial claim. 
On XX/XX/XXXX come to find out our account was never reviewed for the partial claim and based off the application we submitted we were denied all home retention. We were informed that our loan needed to undergo the COVID FB, which at no time this was disclosed to us, prior to requesting the partial claim. Now we are in the mist of losing our home due to cross country. Please help us as my kids and i do not want to lose our home. We have been ready to resume making payments. 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. Any help on getting them to help us would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I filled my identity stolen in XXXX. In XXXX a tenant was evicted from XXXX XXXX XXXX And was told by the judge and court that she had to pay XXXX or amount close to that which is documents in the superior XXXX XXXX XXXX XXXX XXXX ga. It's public information. Which is how I obtained it. And this company keeps reporting an incorrect amount which affects my score and I have since XXXX obtained identity theft protection from the irs. Pursuant to to code 602 ( 1 ) ( 3 ) my identity was under a security breach and I have no idea who owes this and why it's on my credit. This is illegal.
Product: Debt collection

twice i have asked AmEx Debt Collection Department for a copy of ORIGINAL PAY AGREEMENT from XXXX. 
1st request was ignored, sometime in XXXX of XXXX. 
2nd attempt maid on XX/XX/XXXX. They did not respond within 30 days. 

After calling them to alert them they were wantonly and willingly witholding requested documentation, they said they would review the tape of the previous call. 

The document they did send, received after XX/XX/XXXX, was not the document requested. I requested the ORIGINAL agreement made last year, and they furnished only the CURRENT pay agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On the XXXX of XXXX a dispute on an incorrect statement, so they would fix it, this was on Equifax about my statement with XXXX XXXX on my XXXX XXXX card from the XXXX of XX/XX/2022 which shows that I stood on XXXX dollars owed, but on Equifax, it says that I owe XXXX dollars. 
I got a response today that what I said was not true and they are showing me their documents and that is not true. I tried to submit a dispute to update the balance and I was not able to upload the bank statement document from my card that shows that I stood on XXXX dollars owed on XX/XX/2022. 
I request that you take care of this, Sincerely,
Product: Checking or savings account

I deposited a check via ATM on XXXX. A hood was out on the deposit. {$220.00} was supposed to be available on XXXX. On XXXX I tried to withdraw {$200.00}. I was charged {$35.00} to do so. I called customer service and asked for the hold to be removed as I needed to make my car payment. I also asked for the {$35.00} ti be waived. Customer service told me there is a 10 day hold on the deposit. They said an alert came up that the might be fraudulent. They suggested I have the person to their bank and have their bank call Wells Fargo to confirm the check was good. My friend called their bank and their bank told them the check had already cleared they bank and Wells Fargo had the money. I called Wells Fargo again and asked them to release the hold. I was told once a hold is put on a deposit I have to wait the 10 days. I asked how is that legal when they already have the money. They said they couldnt help me!! I needed that money for food and to make a car payment which I will now have to pay a late charge. How can this be legal. I wonder how many people they do this to and get away with it
Product: Credit card or prepaid card

XX/XX/2022 Wells Fargo sent me a letter said I applied for cc app but had missing info and I never applied for one and I am not a customer of theirs. I do not have an account with them or every applied for anything associated with this bank. I contacted Wells Fargo and they put in a dispute ID XXXX and sent another letter saying contact 4 other agencies XXXX, XXXX, XXXX, & XXXX to confirm their action of file consumer dispute. I contacted XXXX and they suggested I go online to file report. XXXX does not see anything on credit about Wells Fargo. Concerned about fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, we received our annual Escrow Statement from Mr. Cooper. It reflected a deficit of {$830.00} which resulted in an increase in monthly Escrow payments of {$91.00}. In turn, this would increase our monthly mortgage payment from {$1500.00} to {$1600.00}. 

However, at the time of this Escrow Statement, we were also behind by two monthly payments. On XX/XX/XXXX, we made those two monthly payments bringing our account to 100 % fully current. Our Escrow Account was then brought from a deficit of {$830.00} to a surplus of {$390.00}. Due to this being before the end of the year, we promptly requested, in writing, an Escrow Account recalculation from Mr. Cooper to reflect this change as now there wasn't a need for our monthly to increase as we were no longer in a large deficit but in a surplus. 

The Escrow Statement we received from them clearly states, " The shortage amount listed assumes there are no outstanding payments owed. If you have past due amounts, please sign in to your account at www.mrcooper.com for the correct amount. '' At that time when we were behind by two payments, this of course applied to us. When I logged into my account, the amount was exactly the same. Mr. Cooper literally is playing games at this point. Nowhere did it ever show an Escrow Balance projecting what my account would look like if my account were not behind payments, like this statement suggests. How is this legal? 

XX/XX/XXXX we receive a response from Mr. Cooper acknowledging us and stating they need more time. 

Today, XX/XX/XXXX, we receive a long response that is nothing short of pure stupidity. The beginning explains what an Escrow Account is and what causes a shortage as if I haven't had a mortgage and Escrow Account before. Really? 

However, it goes on with this : " Due to changes in tax and insurance premiums, Mr. Cooper completes an analysis each year to ensure that your escrow account is funded correctly and adjusts your monthly payment accordingly. Because your escrow account has less money than needed, there is a shortage of {$830.00}. Due to this shortage and changes in your taxes and insurance premiums, your monthly escrow payment will increase by {$91.00}. Your current escrow balance is {$390.00}. 

You may deposit the escrow shortage in full. Upon receipt of this deposit, your shortage and monthly payment will be adjusted accordingly. '' My Escrow account was - $ XXXX at the time of the analysis which resulted in this. Making my two monthly payments resulted in the surplus of {$390.00}. Whoever responded to my request literally took the information from my old Escrow Statement and combined it with my current balance without recalculation. 

So here I am, requesting once again that someone from Mr. Cooper recalculate our Escrow Account with the SURPLUS amount of {$390.00} and not the - $ XXXX it was on XX/XX/XXXX when we were behind two mortgage payments. The deficit of {$830.00} will no longer exist.
Product: Debt collection

I was reviewing my credit report and noticed three collections totaling {$1500.00}. When I went to investigate further, I called the collection agency and asked them why this was being reported on my credit. They informed me that it was reported to them back in XXXX and then again in XXXX I let them know that I had no recollection of the account being placed on my credit report in that bylaw. They had 30 days upon to notify me of the debt which wasnt reported to me thus having no regulation. Upon further investigation, it was found that the doctors office or hospital that claim that this debt was not collected had already been paid by my insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Product: Debt collection

1. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES,  LLC is in violation of 15 U.S Code 1692a for the abusive, deceptive, and unfair invasion of my individual privacy for the purpose of collecting an unvalidated debt ( see Exhibit A, B ). 

2. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692b ( 2 ) for the obscene  and profane language being used against me to collect a debt that is not validated ( see Exhibit B ). 

3. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692b ( 5 ) by the use of their company logo within the contents of communication to collect an unvalidated debt ( see Exhibit A, B ).

4. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692f ( 1 ) for stating an amount of debt owed without validating or furnishing an authorized ( signed ) agreement per my request that created such debt ( see Exhibit A and B ).

5. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692c ( a ) ( 1 ) for communication with me, the consumer, at times of inconvenience without prior consent ( see Exhibit D E F G H I ) 6. In violation under the TCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC acted in willfully placing calls to the cellphone of me, the consumer, during times and place of work causing mental anguish and anxiety as a consumer listed on the do-not-call registry ( see Exhibit C D E F G H I )
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have a right to privacy. I did not give any creditor or credit reporting agency written or verbal consent to furnish any of my personal information to XXXX. I recently received a copy of my XXXX, Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 

XXXX : 5 Missed payments XXXX  XXXX : XXXX Missed Payments XXXX  : 2 Missed Payments XXXX XXXX XXXX XXXX  2 Missed Payments XXXX XXXX XXXX : 1 Missed Payment Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because it's my transactions with the line of credit that the person " corporation '' extended to me the consumer.
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 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 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 XXXXXX/XX/XXXX 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 card or prepaid card

I opened a business account with B of A in XX/XX/2020 and I used the card 1 time for total of XXXX. They recently closed the account with no explanation XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.