23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not my account I am writing you because I tried to handle this matter with the collection agency but they did not validate this debt that they say I owe. They only sent me a copy of a bill. They never sent me a validation under the fair debt collection practices act 15 UFCs 1692g. The amount is XXXX and the date was service was XX/XX/2019. I have never lived at the address on file or use the hospital for medical treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've reached out XXXX regarding harassments by an NMLS XXXX LO. I'm still being overwheled with spam by the L.O. There's not an " unsubscribe '' button and I've emailed the L.O. and this made the issue worse. When I called the number associated with the L.O. he hung up on me 4 x 's.

Add content is not the issue. Misuse and spamming abuse to the point of harassment is the issue.

Add from LO : Celebrating XXXX  We recognize XX/XX/XXXX as a day of freedom, reflection, and family for so many in our nation. XXXX commemorates the day in XXXX when all enslaved people were finally freed in the United States. At Wells Fargo, we are proud to join in this celebration of unity, equality and progress. 

Sincerely, XXXX XXXX XXXX XXXX Mortgage Consultant Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors ( XXXX, XXXX XXXX, XXXX / XXXX ) rest all are not recognized and authorized by me. 
So these hard inquiries should be removed from account. 

I tried calling XXXX but they said they wo n't take care of it and can not delete these hard inquires.
Product: Credit card

Chase Sapphire Credit Card advertised XXXX introductory reward points to any new card customer that spends XXXX XXXXXXXX in the first three months. I received my card in XX/XX/XXXX and charged over XXXX XXXXXXXX within the three month time period. To date, the total amount of " New Cardmember Bonus '' points, listed on my monthly statement, is XXXX. Chase is XXXX short of what was advertised. 

On XX/XX/XXXX I called the customer service number, on the back of the Sapphire card ( XXXX ), around XXXX to speak to the representative about my remaining XXXX points. She ( can't remember the name ) requested an address verification to continue her search- I verified. Then, she claimed the system would not allow her into my account without my birthdate- I gave it to her. Then, she said the system is asking for the name of my other Chase credit card - I told her " Slate. '' Then, she requested the three digit CVV number on the back of the Slate card. By that time, I was frustrated, did not understand what any of my information had to do with reward points, and felt uncomfortable releasing any more personal information. She immediately apologized and said her system requires that information, followed by, " I will transfer you to the Escalation dept! '' The phone system put my back in the queue for another 20 minute hold for the next representative. 

At XXXX XXXX answered and said he was the supervisor. I explained the reward points situation and expressed my dismay for being required to answer personal information, and details about my other credit card that had nothing to do with the card that had the points discrepancy. He said the personal questions, " can be annoying, '' and without any further security inquiries, he delve into the situation at hand. Basically, XXXX confirmed that I, indeed, did spend over XXXX XXXXXXXX within the three months period, as stated in the terms and agreement. And, assured he would " send a note to the Marketing and Advertising dept, '' to research and eventually add the XXXX points to my account. It would take two statements cycles, if I were to receive any solution, XXXX concluded.
Product: Credit card

On or Around XX/XX/year> - the undersigned filed a dispute with Capital One Bank regarding merchants who continued to charge the account, the disputes were given cases : XXXX, XXXX, XXXX. Plaintiff sent all documents to Capital One, including receipts, emails, contracts, and photos. Still, Capital One allowed the merchant to continue to charge my account despite the cancellation. I had to call back and explain that the charges need to be re disputed again. I sent all docs via regular Priority Mail and faxed them to Capital One via XXXX paying {$2.00} per cases - on the same Capital One cards. It is believed that Capital One just opens the dispute and closes it for compliance purposes without actually looking at the documents being sent. As it relates to CASE : XXXX- Capital One asked for proof of my attempts to return, and this was sent in the original packet ; I resent the information, and then within XXXX minutes, there was a letter stating they are canceling the dispute and closing the case - again without even looking at documentation. On Case XXXX, I had XXXX XXXX and provide the canceled contract from XXXX XXXX XXXX, which they said was enough, but then they provided a letter on XX/XX/year>, and did the same on XX/XX/year> stating I never sent the requested items - and this was despite the representations made on the phone. For Case XXXX I am unable to dispute or sue a foreign company, my only recourse was to file a dispute, Capital One said the dispute would be honored as long as I sent the email showing I tried to return the item but they refused, this was despite the merchant response had the email where I tried to return the item and they refused.
Product: Money transfer, virtual currency, or money service

It was last XXXX when they told me that they my paypal account is temporarily limited and yes i provided information and documents and they said i need to put a newly issued TIN ID or a postal id. and i did i submitted yesterday and my account was permanently limited and they said theyll gon na hold it until 180 days and thats too much for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Equifax reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY. There is no proof that I initiated these hard inquiries. If there is proof, Equifax should provide the proof to me. Equifax has never provided any proof because there is no proof.
Product: Debt collection

Elan financial service company and Sunrise XXXX XXXX services has been trying to collect {$930.00} from me without providing a validation letter of debt. I had asked for this letter months ago and still no letter.
Product: Debt collection

This company is attempting to collect a debt on a rental agreement I originally had with XXXX XXXX. The debt was already discharged in Philadelphia Municipal Court, and by the original creditor, in an attempt to avoid being sued for mold exposure. I forwarded the legal judgment for XXXX dollars to the debtor when they first contacted me. They reported this debt to XXXX  anyway.
Product: Debt collection

I received notification from my credit report that Consumer Portfolio Services reported that I was late for my car note payments XX/XX/2019 and XX/XX/2019. My monthly payment are due every XXXX of the month. My payment for XXXX is not due until XX/XX/2019. So I am confused as to why it is reporting on my report as 30 days late. I spoke with some one over chat about this and was advised to contact the tradeline department at XXXX. When I contacted this number I was instructed to leave a voice mail message. To date I haven't heard anything from them to resolve this issue. I am requesting that this be removed from my credit report immediately as this is incorrect information.
Product: Credit card

My Chase credit card was used in XXXX XXXX at an XXXX XXXX but my fraud claim was rejected.
Product: Debt collection

I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. 
I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. 
XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. 
Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. 
In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false account. I have recently filed a Federal Trade Commission complaint to enable them to resolve this issue immediately and I will begin federal civil court proceedings against National Credit Systems shortly.

NATIONAL CREDIT SYSTEM Amount : {$740.00} Date opened : XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my divorce from my ex-wife was final. She was awarded the house providing that she removed me from the mortgage and deed. She has also filed a financial release of responsibility to the company. Midland Mortgage has refused numerous times to stop reporting the mortgage loan under my social security number. Ms XXXX has also contacted the VA and has assumed full responsibility for the VA portion of the loan. This amount of debt still showing on my credit report is impacting my ability to purchase my own home. The VA has said that it should not be showing on my credit report. I don't understand how I can be removed from the loan and the financial responsibility of the note yet it still shows on my credit report. I can't call or access anyone because my social security number is not in their system. So then how and why are they reporting it? Any assistance in this matter would be greatly appreciated.
Product: Vehicle loan or lease

Back in XX/XX/XXXX or XX/XX/XXXX I called to set up a verbal payment arrangement that if I made XX/XX/XXXX payment that they would add my XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. Well since then at I file Bankruptcy but re-affirmed on my car loan to keep my vehicle. I have made my payments since then and this morning I went out and my car was reposed!! so I called them this morning and spoke to someone in the bankruptcy division and they told me that all I needed to do is pay XXXX and I would get my car back, so they transferred me over to the payment department. Well they told me that no I needed to pay them XXXX to get my car back- which I paid because I need my car to get to work!! But then I proceeded to ask them about the verbal payment arrangements I made back in XX/XX/XXXX and  they told when I filed bankruptcy that that became voided, but that was never told to me at the time of that agreement. My bankruptcy has been discharge and they came and got my car!!! But I was never notified that I was that far behind as I thought I had that agreement in place and was still making payments? I contacted my bankruptcy attorney as well and he said that this is not good business practice and that the time I filed my credit showed I was only XXXX behind on my car payments which would have been the tow that they agreed to add to end of my loan!!!
Product: Credit reporting or other personal consumer reports

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX XXXXXXXX. XX/XX/year>, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and MHOELA website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes especially in light of the recent CFPB lawsuit exposing major issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims thoroughly. I was informed that retrieving any lost funds and tracking these transactions was impossible. The CFPBs findings indicate that zelle has not only neglected to protect users but also allow repeat offenders to continue abusing the system leaving users vulnerable to being scammed. The lack of accountability and transparency raises serious concerns for us the users.
Product: Credit reporting or other personal consumer reports

According to the FCRA, I have the right to dispute inaccurate information on my credit report. I have attached supporting documentation, showing my contact with the credit reports which demonstrates the inaccuracies of these accounts. The accounts were removed to be placed back on my report once again. In addition, XXXX XXXX XXXX has been harassing me by phone during work hours. I do not have a contract with XXXX XXXX XXXX under acct # XXXX. This account was under XXXX XXXX XXXX last and is now back on my report under XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX was also removed and is now back on my report since my last complaint. Both Experian and XXXX had a breach of security in which I was involved and I did not receive any compensation.
Product: Vehicle loan or lease

Credit was ran without my permission. Already had a pre approval letter from XXXX.
Product: Credit card

This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving this matter.
Product: Mortgage

Mortgage began XX/XX/XXXX serviced by Nationstar Mortgage d/b/a Mr. Cooper. 
Beginning XXXX the company began calling customers on or around the XXXX of each month. When the call is answered a recorded male voice announces in a very strident, almost threatening voice that this is Mr. Cooper and we are a collection agency. He continues with words to the effect that they are out to collect on a debt and offer ways to make payment immediately, including by check and we will wait until you get your checkbook. Other options are given, the last being, speak to a representative. 
The representative requires the usual of Name, Address, Zip, and last-4 SS #. She says that this is a courtesy reminder that our mortgage payment is due by XXXX. 
For the first few months I ignored the calls until XX/XX/XXXX, and was confused and offended why this company was representing themselves as a debt collector which usually means I am in arrears. I have never been late with payment to them. I told her that I didnt appreciate the tone of the recorded portion of the call and that since I had not ever been late that I didnt want or need a reminder. She promised that she would take care of it. 
Today XX/XX/XXXX they called again. 

Since my first mortgage in XXXX I have never had a company send a monthly reminder about the next payment. I have been late by a few days a minuscule number of times and only then was contacted by the company and paid the penalty. 
It is sad to think that, for this company, the majority of their mortgagees are delinquent and need to be threatened by a collection agency in order get their payments.
Product: Mortgage

XX/XX/XXXX locked in a rate XXXX signed a rate lock extension XX/XX/XXXX have not received any updates I am in the process of refinancing VA to conventional. I locked a decent rate in mid XXXX. I have filled out and returned all documents asked of me in a timely manner and they had to do a 14 day lock extension. I have had 4 different customer advocates. I have not spoken to my loan originator once. It is very difficult to get anyone to email me back or get in touch with anyone at their company. Every time I call they state that they do not have an assigned customer advocate for me. I have gotten a number for a refrigeration company in XXXX. It was the number this mortgage company gave me. I have tried everything including a complaint with a manager and she stated this loan would be expedited back in XX/XX/XXXX. Rate lock ends XX/XX/XXXX and because of the rise of interest rates in the last 3 months I truly believe they are doing everything possible to keep me from receiving this rate. I even tried to refinance with another company in XXXX but because of the rise of interest rates they were unable to match it.
Product: Debt collection

This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX  {$1500.00}
Product: Checking or savings account

So I created a MoneyLion account in XX/XX/year> but I didnt start actually using the app until XX/XX/year>. While doing so I played games promoted by MoneyLion that will pay you cash to play. I was able to cash out to my account from these games in the amount of about {$180.00} which I received. I continued to play more games and XXXX more rewards but once I tried to cash out this time its shows an error and wouldnt give me my cash. I immediately contacted MoneyLion with my concerns and they told me my account was put on hold due to suspicious activity but the only activity was payments from MoneyLion itself no other outside entity or finances were involved. The customer care didnt help XXXX XXXX me to verify my address and send identification and I did that they denied me.. so its been almost XXXX and Im still running in circles sending documents and nothing is being done or rectified.
Product: Debt collection

I was viewing my credit report through XXXX and came across a negative account I didn't recognize. After further inquiring, I found out it was from a company called Debt Recovery Solutions ( DRS ). I gave them a call and they stated that the original creditor was XXXX for a loan back in XXXX. I have no clue what that loan is and it does not show on my credit report whatsoever. DRS is now showing that the loan was sold to them in XX/XX/XXXX and I have been delinquent with them now since XX/XX/XXXX even though I have never received contact by either source. It is populating in collections, lowering my credit score, and showing past due of {$1300.00} as of XX/XX/XXXX. When I first tried to call DRS ( XX/XX/XXXX ), I called the number located on my Experian account which is XXXX. The call rang for several minutes before the voicemail informed me that all of their representatives were busy and I had to leave a message. Six days went by without any call back or email. I did some further researching and found their fake looking website with a different phone number at XXXX. When I called that number ( XX/XX/XXXX ), they gave me the information, I stated that I have no idea what this loan even is for, and they informed me that they are going to mail me a file with all of the information without any expressing on their part of them trying to correct any issues I might be having, no attempt at a settlement, nothing. Just a " here 's the information, we'll mail it to you '' and that was it. After doing more research, it looks like XXXX is a complete scam and, I believe, that if this was a loan I took out six years ago, that this is them trying to re-age the account and get more money right when the seven year mark is about to hit to get it taken off of my credit to begin with ( even though it was never on my credit to begin with ). I really don't know what to do.