23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I was contacted by phone number XXXX, by a person claiming to be with an office with XXXX XXXX. He asked if he was speaking to [ he stated my name ], I said " Yes. '' He informed me of an open civil matter case, and needed to get me in contact with that office. I was given a case number ( XXXX ) and phone number XXXX, and was told to speak with a " XXXX XXXX ''. He asked if I had any outstanding balances, and I said " No I'm current with all my bills. '' I hung up and called this number. I was immediately put on hold, then asked for my case number. I was connected with a " XXXX XXXX '', who claimed that XXXX XXXX was his clerk. XXXX stated he was with " XXXX XXXX XXXX. '' He was informing me of a lawsuit for an outstanding credit card balance, with HSBC and XXXX XXXX. He stated they attempted to send me this documentation and a request for payment. I received nothing. He read aloud my address, and I confirmed that was correct. Still, there has been no communication from that company about any outstanding balance. XXXX claimed it " dropped '' off the credit reports after a certain amount of years, and this was last reported to the credit bureaus in XXXX. He stated the debt could've been brought back up if my status was found " worthy of litigation '' just because my " profile '' showed I held a job. 
It's been 14 years since those dates he claimed. I found out that statute of limitations with Arizona wouldn't allow any collection attempt over 6 years, regarding a credit card debt. He claimed they could " negotiate '' with XXXX and XXXX Bank, to pay off {$3200.00}. XXXX stated they ( XXXX Bank XXXX were trying to sue me for over {$7000.00}! 
I made no agreement to make any payments to them. I stated I would look through my own paperwork to see what I could find, regarding this so-called debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my report that is in accurate because I had and still have XXXX health insurance and have the 2017 card to prove it
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 168. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : 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: Checking or savings account

On XX/XX/22 I noticed my credit debit card was declining so then I attempted to log on to my citi bank app and their webpage neither of it was letting me log in with my correct information I went in person to the bank and they told me that my account is closing but gave me no reason for the accounts closing my checking account has almost {$400.00} in it and my savings account has {$10000.00}! They are refusing to give me my funds and they are not giving me a reason for my account to be forcefully closing out of no where I feel like citi bank is scamming me out of my hard earned money this is causing me a hardship that I have no access to my funds they wrongfully are closing my account and telling me no reasonings for it!

When I call and get in contact with fraud department specialist team all they tell me is that it could take 30 to 60 days to receive a letter in the mail and even then I wont have my money!
Product: Debt collection

I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed XXXX XXXXXXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.
Product: Debt collection

XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kimble tirey and saint john a law firm for a x landlord keeps pulling my credit reports without my permission. They have been told to stop and still are constantly pulling my reports. 

They are trying to collect a debt that i do not owe them and never have owed them. 
They fraudulently got a judgement for there client after i relocated out of cali i was never notified of a court hearing. 
I have proof from there client an old email if i moved i owed her nothing this was to stop me from suing her over the damages to my truck, the XXXX on my son, as well as the XXXX on myself and back pay for being out of work due to my injuries. 
These attorneys keep putting this on my credit report then pull my credit report and i have told them they are not authorized to do so and need to stop immediately. 
I have informed them if i found they had pulled my credit report again i was filing a complaint with you and they did so again in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for failing to respond to credit disputes filed over 30 days ago. Despite multiple efforts to address inaccuracies, I have not received any acknowledgment, investigation results, or updates regarding the disputes. These inaccuracies involve the XXXX account and an erroneous bankruptcy reference, which have not been properly verified or corrected. 

Equifax removed the XXXX tradeline after my dispute through CFPB XXXX # XXXX, but XXXX and XXXX failed to address or resolve the issues. The continued reporting of these inaccurate items has severely impacted my credit score, resulting in denials of credit and ongoing financial harm.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received a response from Equifax as of today 's date. 

Details of the inaccurate information and necessary corrections are outlined below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. I request the removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department : Fraudulent XXXX/DEPT OF ED ACCOUNTS ( Reference 15 usc 1681i ) XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to you today to request the complete removal of the unauthorized inquiries from my Credit Report. I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX. I appreciate the removal of some of the disputed inquiries from my Credit File but I see here that there are still unauthorized inquiries reported on my Credit File. Once again, I am a victim of identity theft and the disputed inquiries were the result of such crime. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the remaining unauthorized inquiries completely from my Credit 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$810.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$870.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1000.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00}
Product: Credit reporting or other personal consumer reports

I sent a formal complaint that Experian is furnishing inaccurate, and incomplete credit information. Their failure to positively verify these accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Fraudulent charges and orders on the account were sent to an address in XXXX I live in GA. I reported the charges and Wayfair investigated. I never received anything regarding the results and now I have a negative update on my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 I was charged {$430.00} for tires in which I did not receive. In fact, I purchased new tires and had them put on by a lower priced competitor the following day. I explained this to Citibank and they opened a dispute. Today, XX/XX/2019, I was told by Citibank that the merchant, to whom I did not get the tires from but was charged, turned in paperwork which shows I did get said tires. I told them I do not have this merchandise in which I was charged and can prove that I bought tires from another merchant. This is fraud! Citibank did not even want the paperwork to prove my statement. Their customer service was rude and insinuated I would be the responsible party for the fraudulent charge! I plan on taking this issue up with the appropriate representing attorney against Citibank and merchant who charged my card without me receiving merchandise. I should have used my American Express card. This would not have happened!
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may incl
ude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit card or prepaid card

I, XXXX XXXX received a call from XXXX XXXX XXXX XXXX on XX/XX/20 to inform me that I owe money to a Pay Pal Credit account. I inform this company that I XXXX XXXX DID NOT open any account and I don't know what pay pal is. Nor do have any idea who has done this. The account number is XXXX in need of a payment of {$3700.00}. I never received and pre-paid or pay pal card I don't Know anything about this!
Product: Mortgage

I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized
Product: Credit card or prepaid card

I made a purchase for services online that were misrepresented by XXXX XXXX ( cooking methods to improve health ). The company misrepresented what the program was and I could not use due to health constraints. I first reached out to the company to cancel in XX/XX/2020 as soon as I realized I could not use the services due to health constraints. XXXX  XXXX refused to cancel and refund. 

I reached out to Capital One to block merchant or Cancel the card due to recurring charges I did not authorize. I was told to contact XXXX XXXX   again and report their response prior to Capital One taking actions to assist me. I did so without resolve. I called Capital One to cancel my card and was told to just change the card number by closing the existing card and allowing them to send a new card and number. They assured me that XXXX XXXX could not chg the account again or commit fraud since it was a new number. I was not happy at losing the initial {$87.00} but accepted Capital One 's promise that XXXX  XXXX  could not chg the card because it was closed. XXXX  XXXX  placed a four month hold on the subscription then submitted the {$87.00} chg again without authorization. I called Capital One and was told not to worry, it is pending and won't go thru due to my actions in XXXX. I was told if it did go thru, it was fraud and they would get my money back and prosecute. The charge went thru and now Capital One has changed their story again and says XXXX XXXX  is the only one who can stop the charge and I need to try them again. I inquired about Capital One 's position changing and why they had not done as I requested in XXXX and closed my card to prevent further charges from happening. They apologized for misinformation in XXXX but not to worry, they are issuing a temporary credit I can not use to allow XXXX  XXXX   90 days to stop charging the card. There are still two more opportunities for them to take {$87.00} against the card during the 90 days. None of these charges are authorized. I've followed all protocols to resolve this dispute. I've paid my entire bill monthly to build credit. I had to close my card today because of both XXXX XXXX and Capital One 's fraudulent practices. I need help resolving these issues and finding a reputable card that gives me recourse against unethical companies and business tactics. 

Please help Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the Experian CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on Experian to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!
Product: Mortgage

On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX website that my property tax ( {$4700.00} due XX/XX/XXXX ) had not been paid by my lender ( LoanDepot ) from my escrow account. I contacted the lender multiple times and informed them there was now a late fee of {$470.00} assessed due to their error. I was told they wired funds but the tax collector said they did not. They also said that if they did send the payment- it would be returned if it didnt include the late payment. I wrote a letter or error and sent it certified mail. It has been 12 days and I havent received any response. 

I now see that LoanDepot is increasing our payment by {$500.00} a month for the next year. They state my taxes have gone up {$55.00} a month ( which is approximately the amount of the late fee assessed ) and that there is an escrow shortage ( for some u known reason ). We cant afford an additional {$500.00} a month- especially for their error! Every time I try and chat or call- they disconnect it when I bring up the late fee/their error. I was told to send them a tax sale letter if tax assessor sends me one. I do not feel comfortable with any of this and am fearful their error will cause us to lose our XXXXe.