23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, LJ Ross and Associates contacted a family member of mine on their home phone after repeatedly calling them for the past couple of weeks. When calling my relative, they asked their name and proceeded to tell them it was an attempt to collect a debt. After she told them that she was not myself ( they stated my name and asked if she was me ), they proceeded to tell her the company the collection was for and the exact dollar amount of the collection. She told them that she was not the person whose name was on the debt nor has she ever lived in the city or state they are collecting for. 

LJ Ross and Associates has never contacted me via my phone number or address to validate the debt that they are collecting.
Product: Debt collection

There is an account with XXXX  ( already reported to CFPB ) that is an unknown account which I never opened or allowed anyone to use my information nor gave my information to anyone to use. This account went into collections in 2023 which I have already multiple reached out to XXXX " Chapter Communications- Fraud department for debt collections to remove this account and not sell it to any other collection agencies nor third-party agencies. But somehow it keeps getting sold to other collecting agencies like this current agency CBE Group that is now showing up on my credit report and negatively affecting my credit. I have a letter from Chapter Communications advising that the account would be closed and sold anymore and nothing else should show up on credit report related to this account with spectrum for {$290.00}. Also now for sure I reporting a complaint on CBE Group for acct # : XXXX to be removed. Please I need this item removed from my credit report and not ever sold to another collection agency because ITS NOT MINE. I have already complete an identity theft packet with XXXX ' Chapter Communication ( original creditor ).
Product: Checking or savings account

I have a checking account at the Citibank since XXXX. 
My status is Citigold.

Last week I tried to logg in into my account trought the mobile and I couldnt. Inmediately I called to the Citigold Customer Service line and one of the representatives informed me that they will replace my debit card. 
My debit card never arrived to my home. 
Saturday XX/XX/XXXX I called again and I had been noticed that my checking account was closed and when I asked the reasons, they said that cant provide any information by the phone and I needed to talk in person at the branch. 
Today Tuesday, XX/XX/XXXX I showed up at the XXXX XXXX in Florida and one of representative told me that she didnt know why my account was closed. She sent an email to Citibank and then called me to say that the account was closed and she doesnt know exactly the reason. 

Problems : 1. I never received a letter or phone call to let me know they had intention to close my account. No one asked me information or send me a questionary for anything in the last 4 years. 
2. I already gave some personal checks to pay association fees, assetments and other concepts to different persons and companies and now all this payments will not be executed.

3. My reputation, my honor and my credit records will be affected without any reason.

4. I spent three full days trying to solve this problem and I lost time and money. I need to spend more time to rebuild my financial structures ( account, automatic debits, payments, history, etc ) 5. I feel discriminate due the City Bank representative dont explain me or give the reasons to close my account. I am very responsable person, I opened my account ten years ago, because I thought it was a serious entity. I expect that the Bank reconsider this resolution that causes me economic and moral damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX ,  XXXX , and Experian disputed these bogus accounts. There is no account numbers associated with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.
Product: Mortgage

I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. 

Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On XX/XX/XXXX, I notified Citizens Bank that I was taken off work due to a health issue and that I didn't anticipate being able to make my mortgage payment ( s ) for an unknown period of time and asked about options. I spoke with XXXX XXXX XXXX XXXX who advised that he would submit a forbearance application and I would receive it in the mail via USPS. By XX/XX/XXXX, I had not received anything so I called the loss mitigation department again. I was assured that the packet had been sent. I advised that my loan was due on the XXXX and I was getting worried. She assured me that I should be receiving it soon. I called again on XX/XX/XXXX because I had still not received anything and spoke to XXXX. XXXX advised that I could go to a website and download the documents, fill them out and then upload them. I asked that the hard copies still be sent to me again and she said she would XXXX them. She also said someone should have told me about the link sooner especially since I asked if there was a faster way in previous calls. The website link she gave me didn't work after the call ended but I ended up finding it myself. I tried uploading/attaching all of the required documents but despite my vast tech knowledge, it would not work. I called loss mitigation again today, XX/XX/XXXX to escalate/file a complaint but I was told by XXXX that a supervisor wasn't available. I have never missed a mortgage payment in my life and as a responsible consumer, I don't feel that the process Citizens has in place is okay. Even after they receive my documents, it will still be another 7-10 business days before they make a decision putting me past my XXXX payment before I even find out if I'm approved. It's unfortunate that while I am working to get well that I have to go through this and something tells me that I'm not the only one. This is the first time in my life I have ever had to go make a CFPB complaint. I feel as though the ball got dropped every step of the way despite my acting as proactively as possible.
Product: Debt collection

I have been disputing this account for some time now with Portfolio Recovery. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXXXXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXXXXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/2022 {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several of times to work out an agreement to take care of this matter in which they refused to accept my payment agreement, which is a violation of FDCPA. I 've tried to settle with this company being that this debt is old, and still to no avail they denied to work with me, but continue to report this old debt on my credit which has reached the statue of limitations. This debt is XXXX XXXX XXXX and it 's still being reported on my credit. I am giving this company XXXX days to accurately update my credit report with the deletion of this item, if not I will be speaking with an attorney to pursue legally with an lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

First in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of XXXXXX/XX/XXXX( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in XX/XX/XXXX on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from Capital One/Cabels concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XX/XX/XXXX and Capital One. ) I checked and it was for XXXX XXXX XXXX inXX/XX/XXXX. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX  ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,
Product: Credit card or prepaid card

I have been with Capital One for their credit cards since XXXX. I have received one credit line increase for {$100.00} and have requested a credit line increase once every year for the last 3 years. I have been denied ever since XXXX, I have never been late, I have paid before the due date and over the minimum amount due for years. Each time I have requested an increase they have used different excuses to deny me. I requested another credit line increase in XXXX of XXXX. When speaking with the supervisor, I questioned on why I was denied a limit increase and even she couldn't understand the denial when she read over my credit history with this financial institution. Not only do I have a credit card account, I have a checking and savings account with them. As previously mentioned, I have made payments in a timely manner, above the minimum amount due. The payment due date of the card is the XXXX of each month. When I make the call to Capital One to make a payment, usually on the XXXX or the XXXX of the month, they are instructed to contact my personal bank to get the funds to make the payment. This is how I know that my payments are on time, and I have my statements as well. There is no justification as to why I have not received more credit line increases. This matter needs to be investigated further. Especially when I have another card with my personal bank and was successful. I also, noticed on my credit report Capital One has reported three late payments to the credit bureaus.
Product: Consumer Loan

We have a vehicle loan with the bank and when we send the check to bank for endorsement the bank posted check toward loan balance instead endorsing check to get vehicle repair
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/2022. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX XXXX, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Please delete this off my Credit report ... this account is a ZERO BALANCE.
Product: Money transfer, virtual currency, or money service

My wife was scammed on a telephone call. She was prompted to transfer funds from our saving account via XXXX to an unknown account ( was told this was to secure the funds ). 
XXXX $ was transferred. The bank did not notify us to check if the transfer was legitimate. We feel they have a responsibility to make sure transfers of this amount are indeed legitimate. Thanks for any help you can give.
Product: Debt collection

XXXX @ XXXX XX/XX/XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a Master Card through XXXX from XXXX to XXXX and Western Assets was handling this account and that I had made Payments, I have never had a Master Card nor have I ever Singed anything authorizing the use of a Master Card account and I made no such Payments.
Product: Credit card or prepaid card

My Slate Chase account ending in XXXX was re-billed in the amount of XXXX, a purchase from XXXX XXXX store XXXX XXXX, CA. As I stated in dispute and again here, the package shows delivered on XXXX, signed for by a XXXX XXXX. I was not at home on this date and no one by the name, XXXX XXXX, lives at my address. I also stated that this transaction/order was canceled by myself prior but the store has a no refund policy and ignored my request to cancel. Please advise Chase that I refuse to pay for this purchase and needs to be credited off my account, this transaction is causing the account to be over-limit.
Product: Payday loan

I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times and asked them to update their reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to
Product: Debt collection

I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report
Product: Checking or savings account

I was told I had an inheratance of XXXX XXXX dollars I am the only living relative to XXXX XXXX XXXX XXXX XXXX and I opened these two accounts ... XXXX XXXX XXXX I originally had the XXXX send me XXXX XXXX dollars in account oh non of that yet I tried for 6 months to get the money with calls and XXXX  and also my house being bulldozed I was never gon na be able to get the money I changed my name to XXXX XXXX and since my I'd wasn't valid I couldn't use either name due to social security and so when I finally got the social security numbers figured out I had no clue which social or identity was on the account and so I finally had a phone and a number and time to actually try and was told the XXXX XXXX  actually owns the money if you haven't used it in six months so I started ordering online only to have the XXXX XXXX  stop payments. I went to the original bank but because the person who stole rhe money had the name changed on the account I was unable to receive the moneys I don't have a clue on how to get my money from the XXXX XXXX not XXXX