23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday, XX/XX/year> I received a missed call and voicemail ( XXXX ) from someone claiming to be from the " XXXX XXXX XXXX '' to tell me I was going to be served in one hour. They left my full name and address in the voicemail and there was also a case number provided and a number to call XXXX XXXX XXXX ( XXXX ). I called the XXXXXXXX XXXX XXXX number and was redirected to the agent handling my case ( " XXXX '', personal line XXXX ). I was told that I was going to be sued by Citi Bank for over {$8000.00} and that price would double if I was taken to court as I would be responsible for fraud, restitution, and lawyer fees for Citi Bank. They said they had send a letter 90 days ago with a settlement agreement. Which I never received. They asked me to find a family member or a credit card to pay the now discounted ( hardship discount ) for a little over {$5000.00}. She said she would speak with the attorney working for Citi Bank to see what kind of settlement agreement they could give me and told me the case was on temporary hold. I called back the next day to gather all documentation of the case. She said there was no documentation and that the case number and information would be provided in the summons discovery package. She told me since I said this was not my account, I have never had a Citi Bank credit card, that I would be served by the end of the day and " good luck ''. I looked up the case number and there was nothing. I thought my identity could have been stolen which is why I requested all documentation. The legal group hung up on me when I started asking questions, the XXXX XXXX XXXX was disconnected, and I was never served. This was an absolute scam and I do not want this happening to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I was at XXXX. A XXXX  XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I never received any information at all about this supposed debt, nor did they give me any option to dispute the debt!!! I just wrote them a letter asking them to verify the debt and to leave me alone and the debt isnt mine! They wont leave me alone Ive had to change my phone number. On my credit report I saw them saying how theyre contacting an attorney, I guess that means theyre going to prosecute me for debt that Im not even sure I owe!!! Theyre ruining my credit as well. I just want them to leave me alone!
Product: Debt collection

Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.
Product: Debt collection

I have asked them, repeatedly to stop calling, and to communicate to me in writing- via mail. They continue to call at least twice a day, and these calls/voice messages include threats regarding contacting my employer. While that is within their rights, the way they do it is in an attempt to scare, rather than to inform. I responded to an email with a pdf of a letter telling them to stop calling, and with instructions on how they can contact me. I also mailed that letter to them directly. They are still calling repeatedly. I have also been yelled at repeatedly, and asked inappropriate questions by several of their agents when I have asked them to stop calling. 

I have asked that they contact me via certified US mail only. 

I paid Navient more than $ XXXX of the $ XXXX that I borrowed. I somehow owe them more than $ XXXX. More than I borrowed over a decade ago. I have made a good faith effort to pay the loans, but refuse to pay more than double. I will pay up to XXXX to resolve the account. They can communicate with me via certified US mail only, or they can submit my account to collections or sue me, or we can settle. However they choose to proceed, they can let me know via mail.
Product: Student loan

To Whom it may concern, I have not received a response for over one year regarding my closed school complaint and loan discharge. This is my second request to have this fraudulent loan discharged. For your records, here is my request again : COAST INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If any additional information is required, or if any information is missing, please get in touch with me immediately using my contact information below. Additionally, while my discharge application is pending, I request you put my federal loans into forbearance. In other words, I ask that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. 

Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending. 

I appreciate your cooperation. 
Sincerely,
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 and crimes which antedates the report by 7 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.

15 U.S.C 1681s-2 States Any information reported to credit reporting agencies must be accurate. If a debt is charged off, it should be reported in the correct amount owed at the time of the charge-off.
Product: Debt collection

Law firm claims I owe a debt to an apartment complex. However, when I spoke to them they refused to provide the original creditors address and phone number to verify. They claim they do not have any information about the original creditor that I should call XXXX XXXX XXXX. They tell me to call Brett Borland Las Office. Just round and round. I believe it is fraud or a fake debt.
Product: Debt collection

1. In a call to Columbia d/b/a Genesis ( " the Company '' ) on or about XX/XX/XXXXXXXX XXXX XXXX XXXX, I spoke with a debt collection. I made a good faith offer to his client, which he refused to convey, despite the generally recognized ethical obligation by collectors and collection attorneys alike to convey good-faith settlement offers. The collector then said they considered the debt valid and made a vague threat about escalating collection efforts, despite his job title likely being that of a debt resolution specialist -- meaning he'd have no idea about escalation attempts. Only a collections manager, attorney, or some other role with supervisory powers would be able to do that.

2. The Company has made credit reporting misstatements about the ownership history. I have called and spoken with the apartment complex listed as the " original creditor, '' but their representative specifically disclaimed ownership of the account. They also claimed they were sold from what might be the true legal entity in charge of the XXXX, which is in all likelihood XXXX ( XXXX XXXX ). So it is extremely muddy as to whether the XXXX or its client have a valid debt claim against me anymore. Proof of the chain of title is essential in order for me to confirm whether they have a valid right to collect on any alleged debt. 

XXXX. In a previous validation of debt request ( " VOD request '' ), the Company has shared another consumer 's private info with both myself and the co-tenant. The Company has also likely shared our own private info with another consumer, since presumably another recipient would have gotten the VOD request details meant for me.

4. The Company claims interest on a charged-off debt claim despite the contract being silent as to any permissible interest in this sort of situation. Specifically in their email correspondence, they include the following notice : " Your account bears interest at 006.00 percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment. '' In both the underlying rental lease agreement and any additional VOD request, the Company has failed to establish any legal right to collect the interest rate alleged. This is distinct from any legal right to collect interest on late or unpaid rent. Co-tenant and myself contend that we do not owe any late or unpaid rent, and the VOD request even reflects our payment ; the only amount in dispute would be post-move out charges, which are themselves completely ineligible for interest pursuant to the contract we signed.

5. I made a good-faith offer of settlement to resolve this account, advising the company that failure to respond would necessitate the filing of this CFPB Complaint. The Company has wholly failed to respond, or even reject the offer provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCOUNT NUMBER : XXXX Its been over 5 months and XXXX and Transunion hasnt update my current balance and Im missing on time payments for this account for the last 5 months.
Product: Credit reporting, credit repair services, 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. 

Personal Information XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of " consent '' from the referral source XXXX XXXX says that I gave and have not recieved it. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this to me and they never did. Since they accessed my report and are showing up as an inquiry ; it is there responsibility to prove upon request they had my consent. They told me to reach out to the 3 credit bureaus but they are who should prove or delete.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the debt associated with the account referenced above. This dispute is filed under my rights as outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681a ). Specifically : 1. **Dispute Under 15 USC 1692** : I am disputing the debt in its entirety and request that you provide validation of this debt as required by 15 USC 1692 ( g ). Please provide documentation that confirms the amount of the debt, the original creditor, and that I am indeed liable for this debt. Until such validation is provided, I expect that all collection activities will cease. 2. **Dispute Under 15 USC 1681a** : Additionally, if this account has been reported to any credit reporting agencies, I am disputing the accuracy and completeness of the information being reported under 15 USC 1681i . Please initiate a reinvestigation of this matter and correct or remove any incorrect, incomplete, or unverifiable information from my credit report.
Product: Checking or savings account

I filed the claim with bank of america on XX/XX/2020 for {$770.00} and got temporary credits, on XX/XX/2020 I got an email regarding my claim they said unable to pay " Our records show the transaction activity in question was authorized and posted correctly to your account. We relied on the enclosed documents to make our decision. '' I did not authorize those payments I was in the hospital during those time with XXXX XXXX and when I was gon na pay for my hospital bill that's when I find out about these transactions
Product: Credit card or prepaid card

In XXXX, while I was out XXXX shopping, Capital One chose to send multiple texts to my phone verifying if I was the person attempting to make a purchase. Even though I verified, with the phone number that they have on record, they have flagged both my Visa and Mastercard accounts for fraud and demanded that I send them a copy of my actual social security card, which for my protection I am not comfortable with especially since I've received notifications from them before that my information previously provided to them has been possibly compromised. Capital One has also blocked my access to log into their app to make payments on my account, which is how I'd always made my previous payments up to that time, all well before the due date. The representative that I spoke to falsely advise me that I could pay by phone through an automated system and I was advised that I would get my statement in the mail which I haven't. However, Capital One does manage to consistently send me notifications that my bill is due through email with links to pay which do not worked because they have me locked out of my account. For the Mastercard account I do receive an email the day before the due date of the account which has a direct payment link, so I have been able to keep the payments up to date for that particular account. Capital One is, however, not sending me the same option to pay for the Visa account. They've also stated that they are sending me a paper statement which is untrue, they are sending statements to my email address. ( please see attachment ) This account has now become grossly past due and is reflecting badly on my credit report. I've contacted the XXXX XXXX XXXX   and Capital One sent a response that I was able to pay by phone. When I called today, XX/XX/20, at XXXX, I was refused service through the automated system by their representative. I've advised them that for identity protection purposes I will also not be providing my bank account information to a person. At this point I don't even want their cards anymore, I just want to be allowed the opportunity to have my credit report corrected and access to make payment online or by phone through the automated system, or, if they truly believe it as a fraudulent account, have them cease reporting it to the credit bureaus as an account that I am responsible for as it has caused a sharp decline in my credit score.
Product: Credit card or prepaid card

Received card XXXX called no help. Called XXXX when I received a letter saying I would get the card in 7 days. Called XXXX who gave me a different number to call. Representative said they would look into it but would not close the accounts
Product: Credit reporting or other personal consumer reports

Creditor failed to provide any information to verify the debt.
Product: Debt collection

A collection agency named NCB Management Services Inc has contacted me several times over the last two years regarding a debt of {$3500.00}. I sent them a certified letter on XX/XX/2021 asking them for proof that I actually owe this debt. The letter sent is attached as well as USPS Certified Mail Receipt and tracking information showing letter was delivered. In the letter I asked for an original contract from the company that they purchased the debt from as well as any and all information they used to determine I in fact owe this debt and the method they used to verify this. They replied via letter mailed by USPS that I received on XX/XX/2021. They did not provide any proof or verification that I owe this debt. They simply stated in the letter that they investigated my notice of dispute and couldn't substantiate my allegations. They did not provide any means of how they came to this decision or any documentation showing the debt is mine. I feel this is unacceptable and a violation of the FCRA. I have enclosed the response letter from them. This collection has not been validated as mine, there is no proof the debt is mine and no explanation as to how they came up with this decision. This company is reporting this frivolous claim to the three credit bureaus and has affected my credit and ability to obtain a mortgage. I feel this company must either prove this debt is mine with documentation showing I was in fact under contract to pay this amount or they need to have this collection deleted from all three credit bureaus. Simply stating they investigated it without showing me any proof they did investigate it as well as no proof I in fact owe this debt is not valid nor acceptable and is a violation of my rights under the FCRA guidelines. Please investigate this matter.
Product: Credit card or prepaid card

Unknown person hacked into my Credit Card accounts with Wells Fargo and performed a series of fraudulent transactions with my Wells Farg Credit Card. 

Total $ Value of fraudulent transactions made through Wells Fargo Card : {$590.00} XX/XX/XXXX - {$99.00} - Fraudulent Transaction XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX Card ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$250.00} XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud I am attaching copies of Fraudulent transactions for each account as part of this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) IQ data All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results
Product: Debt collection

I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. 

XXXX XXXX?????????????????
Product: Mortgage

THIS PREDATORY LOAN COMPANY PREDATORIZED MY DECEASED PARENT 'S AND PICKED UP WHERE THEY LEFT OFF WITH MY BROTHER ( EXECUTOR ) AFTER THEY PASSED AWAY! THEY ILLEGALLY FORECLOSED ON HOME DURING THE COVID19 FEDERAL MANDATED LAW TO " NOT '' FORECLOSE ON ANY HOMES DURING COVID19!!! ONCE THEY ILLEGALLY SOLD HOME THEY KEPT EXCESS FUNDS AND ARE REFUSING TO GIVE THEM TO THE RIGHTFUL HEIRS!!!!!! THEY ARE EVADING ANY " CORRECT '' INFORMATION REGARDING ATTORNEY CONTACT INFORMATION!!!