23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name was used in an online ponzi scheme called XXXX XXXX back between XXXX. I was contacted by a debt collection agency Cawley and Bergmann LLC. I was only ever contact by mail. The letters showed up in different envelopes, printed differently, and different letterheads. They did not look official or professional in any way. The letters talked abut my involvement in a ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contact the collector and tried to get more information. Stating I have had no involvement and haven't been shown any proof of the contrary. They told me to XXXX it and they couldn't help me. I have attempted to get law advice during this time to no avail. This month I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ), and am filing this claim in a hoping of getting some resolution.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Twice I tried sending information to equifax to remove fraud alert from credit report because I cant open a new account or anything ... I called again and still nothing and they act like they can't speak good english ... .they wanted a copy of my id, ssn, and utility bill I sent ... .here below I attached those 3 they need to remove fraud alert with a utility bill with my current address on it ... thanks In advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my personal credit report and submitted a dispute letter to Experian to validate payment history for account # XXXX. Experian sent a letter back stating it was verified-not validated. I asked for the names and numbers of who they spoke to validate the accuracy of the account that is reporting on my credit report because this is the responsibility and the law of the credit bureaus whenever reporting any item on my credit report. 

They have not provided the information requested and has the account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXB XXXX : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX  XXXX : {$10000.00} XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I called BMO Harris Bank customer service at the beginning of this month. No matter which option I dialed the hold que was supposed to be one and half hours. However I was on hold for around two hours until finally someone took my call. It was a very simple request to stop a pending payment for a bill.
Product: Credit reporting or other personal consumer reports

Unauthorized access or sharing of student loan records. 
Data breaches involving protected student information under XXXX. 
XXXX XXXX team access to student loan systems.
Product: Money transfer, virtual currency, or money service

Bank of america has stolen {$5300.00} from my account that was returned by XXXX XXXX for money transfers paid in error by and of america in my name but was fraud. XXXX XXXX conducted a case investigation and came to a conclusion that the money was to be returned and refunded to my bank of america account. Bank of america received the funds with myself and XXXX XXXX being provided confirmation of bank of america receiving funds as well as ACH number on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiry indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this inquiry to be authenticated ( A ). I will take legal action against you if you do not validate this inquiry. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

State of Alaska Department of Revenue Child Support Services Division ACC # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called XXXX XXXX to figure out the cause. They said that there was one late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called Bank of America and they told me that I actually had 3 late payments. I told them that during those months, I had a XXXX XXXX, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called XXXX XXXX and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both Bank of America and XXXX XXXX multiple times asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX 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 my 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 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. 


XXXXXXXX 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: Debt collection

CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. 
I 'm filing a lawsuit in Small Claims Court against the Company.
Product: Money transfers

I hired a wedding planner in the XXXX - Vals Wedding. My fiance and I paid a {$500.00} deposit to secure our wedding date back in XX/XX/XXXX, yet were just told that the wedding planner is no longer going to perform wedding services. She has referred us to another company that will honor the prices she provided, however our deposits have not been returned. There are appx XXXX brides that have been put in the same situation. The planners website is https : //www.weddingsindr.com/. Transaction was made via PayPal. XXXX has stolen our {$500.00}, and will not respond when the brides inquire about it.
Product: Mortgage

OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline
Product: Debt collection

I declare under penalty and perjury under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willfull misstatements or omissions of material facts constitutes a XXXX XXXX XXXX punishable under 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX MO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

My prepaid visa card was compromised and someone used my card to make unauthorized transactions. I called BBVA XXXX to inform them of the problem. I file an dispute and was told that my card would have to be block and a new one be ordered. Well after they block my card, they now tell me that I had went over the limit of card replacement and that they could not send me a card and referred me to go to a local Compass Bank. The problem is I am not near a Compass Bank, and I told them that. They advised me that they will escalate this matter to higher up and see if a card could be ship to me and I should hear back from them in 3 to 5 business days. Well that time has come and go and when I call back, they keep giving me the run around, so I ask to close my account and send me my remainder balance via check, and they said ok. Call back three day later and nothing still happen. They are hold my money XXXX and will not give me any alternative to recover my money. They keep lying and giving me open promises to get me off the phone. I have my VA XXXX and unemployment check deposit to this account, but I do n't have any means of recovering my money.
Product: Debt collection

This charge in the amount of {$420.00} was paid on XXXX/XXXX/2016 to Central Credit Services. I have all supporting documentation showing proof of payment. On XXXX/XXXX/2016, i received notification from XXXX stating it had posted as a 'collections ' account. I called Central Credit Services and they told me i still owed the amount that was paid on XXXX/XXXX/2016. I faxed proof of payment. They verified it was received but were not willing to tell me if my balance was now cleared and in good standing. I am now in process of disputing this charge through XXXX. I 'm concerned that since they wo n't verify that my account is settled that they are trying again to steal the {$420.00} from me.
Product: Mortgage

I have been trying to receive a loan modification from Nationstar for over a year with the help of XXXX. A law firm that I hired that solely is committed to helping people work with Mortgage Companies to avoid foreclosure. I have been denied four different times. Each time the reason has changed. The first time my income and my mother 's income were used, we did not have enough disposable income. My son moved in with me and we used my income and his income Nationstar calculated the numbers wrong and XXXX appealed the denial. A third time the numbers were calculated wrong and another appeal by XXXX that shows we have XXXX in disposable income well over the XXXX disposable income required by Nationstar. The last denial was because the Net Present Value of my home is lower than the XXXX that is owed. My house is now in foreclosure, and the sale date is XXXX/XXXX/XXXX. 
As a XXXX I am absolutely certain a XXXX square foot home on a lot and a half in the XXXX Metro area is worth more than XXXX. The last appraisal that was done on my home was XX/XX/XXXX and the value was XXXX. Furthermore, many exciting things are happening in XXXX. XX/XX/XXXX the voters approved new infrastructure and roads throughout XXXX. XX/XX/XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX an XXXX state of the art XXXX school. And construction is underway for XXXX XXXX homes all within my District. All of these have increased the value of homes throughout XXXX, I find it very hard to believe that my home would be excluded from that increase. 
Also, I have filed a complaint with the Federal Consumer Financial Protection Bureau as well as the Colorado Attorney General. My feeling is that if Nationstar is adjusting numbers and criteria to continue to deny my modification it is not an isolated case and others are also being unfairly denied.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, Trans Union has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved as I am a victim of of Identity theft. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Equifax alleging systemic issues such as falling forward consumer-provided evidence to furnishes, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. Equifax has admitted by reaching out to me via email that my information was exposed and part of there Data Breach. These failure 's align with my experience, where Experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and rights as a consumer.
Product: Vehicle loan or lease

Bridgecrest is reporting a auto loan that I 'm not responsible for. I have disputed and sent paperwork with explanation.Please help me resolve this matter quickly.
Product: Credit card or prepaid card

I am not able to get a Discover Secured credit card. I want a Discover Secured card and a second to build a relationship and my credit with Discover. I want a second chance account with Discover. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Account with XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair act this creditor has violated my rights under the FCRA 15 U.S.C 1681i, section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can't not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

XXXX  XXXX ( XX/XX/XXXX ) (, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Years ago, I froze my credit report because I was notified that my credit information was caught up in a number of data hacks at one or more merchants or service providers. The report has generally been locked since then. Recently, I decided to do some major home upgrades and wanted to use credit to finance the work, so I went to TransUnion ( required by the company offering the loan ) to lift the freeze. In trying to access my account online, I was locked out. Over the next four days, I called and spoke to several reps at TransUnion, who tried to verify my identity using system-generated security questions. Those questions involved information I do not have -- either because it involves someone I do not know and never knew, or because the information is decades old and I am no longer in communication with that individual. I called and spoke with two supervisors, and they could not address the problem with the data in the system. I asked to speak to a manager and they refused to transfer me. One of them ( XXXX ) hung up on me as I was speaking. Both told me another supervisor would call me within 2 days. It has been 4 days and no one has called me back. To verify my identity, I've attached a copy of my passport data page. The best phone number for call-back is XXXX. I can be reached by e-mail at XXXX. Please copy my wife at XXXX on any correspondence since I don't often check my email. I give my permission to speak with her as well regarding this complaint.