23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence Resource Management has been harassing myself, along with my wife and XXXX XXXX XXXX child, via phone for almost 6 months. I have put all three of our numbers on their DNC and have warned them that I would file a complaint and/or seek legal council if their calls continue. The calls have continued and they say there are no records of calls or accounts tied to any of the three numbers, but I have traced the numbers that they call from and they seem to be legitimate calls from this company. These calls are always for a person named XXXX XXXX and, while there was once a XXXX XXXX in our family, that person now has a different last name and has not been a member of our family in XXXX years. These calls need to stop, especially the ones going to my childs phone. I will not have my child harassed by anyone, let alone a company who cant find their client and refuses to stop harassing a kid in the meantime. That will lead to me filing suit if this doesnt stop immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, Experian, and XXXX are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Product: Mortgage

BBVA was my original mortgage company we had slow payments that turned into missed payments. We set a a repayment plan with XXXX in the collections department and began paying. We got down to {$1400.00} dollars and BBVA was purchased by PNC. 

PNC says theres no record of the payments and have not provided my checking account history. They are not operating in good faith knowing my financial situation they offered for me to pay {$2500.00} on top of my mortgage for two years then my mortgage would return to normal. 

They refused to research the phone number of the person in collections that I was making payments to at BBVA. XXXX number was ( XXXX ) XXXX. Even is she was laid off during the process of BBVA going out of business they couldve found out who she was and contacted her for verification. 

Im a senior on XXXX and they want to throw me on the streets. They stopped taking my payments, and started passing my phone calls around until the line went blank. They even did that to my attorney, they are slow to respond as we get closer to the auction date. I was referred to you by the comptroller of currency.
Product: Student loan

I took out a variable rate Student Loan with LendKey through XXXX XXXX XXXX XXXX in XXXX of XXXX. While I understand that my rate will change, and I have agreed to those terms. I have not been contacted or notified by either XXXX or XXXX XXXX of two rate changes prior to or after the increase. I believe it is unethical, and predatory to not inform borrows of rate changes. In my case, I would have changed my monthly payment ammount to adjust. 

Date Index Margin Discount Rate XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

TransUnion is not following US laws, or US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the FCRA & these items should be removed immediately, please. I was also a victim of multiple data breaches by XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I was informed by both companies that my information was affected by these breaches. Multiple accounts were opened in my name with various companies, & these debts were never paid. I have filed an identity theft report affadavit with the Federal Trade Commission. i encourage the CFPB to hold TransUnion accountable. thank you
Product: Debt collection

i told them that i do n't owe this amount {$950.00} they keep threating me to take me to court. the collection agency is called mcm
Product: Debt collection

I am XXXX old have never had a cell phone to date, ive sent letters to company and to reporting agencies to no avail, help!!
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, that posted to my account on XX/XX/year>. These payments have paid my accounts off in full for less than the full amount in a settlement and XXXX, XXXX XXXX XXXX and XXXX XXXX was paid in full. XXXX XXXX XXXX cards, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were completed in a settlement with the payments Ive made they are still refusing to correct the payment status to paid in full for less than the full amount after I disputed the information with Experian, XXXX and XXXX. They are still reporting the incorrect balance information. The balance for XXXX, XXXX XXXX, XXXX XXXX are paid in full and XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX cards should be a XXXX balance paid for less than the full amount in a settlement every credit card on my credit report should reflect XXXX balance.
Product: Credit card

On XX/XX/2023 I made a purchase for a XXXX XXXX XXXX for {$160.00} on my Kohl 's Credit Card for store pickup. I was unable to pick it up so the item pickup expired within a week on XX/XX/2023. On XX/XX/2023 the store did a return and refunded {$160.00} to my Kohl 's Credit Card. Also at the same time, on XX/XX/2023 the store charge my Kohl 's Credit Card the original amount for {$160.00}. So I never received a refund. Since XX/XX/2023, I have contacted Kohl 's customer support via chat and phone calls numerous times to resolve the issue. Each time, I am force to explain over again the issue to costumer service. I have been told on three occasion that I would receive a letter in the email explaining the issue and a refund will be coming. I was told by customer service that I still need to make the payments to my Kohl 's Credit Card for an item that was never received to avoid late payment charges. Which I did make a payment on already. Last communication on XX/XX/2023 via chat, inquired and had to explain the situation again and inquire about the refund status again. Was told to contact customer service team at XXXX again and to expect a letter in the mail. Never received any letter in the mail and no refund for {$160.00} to my Kohl 's CC for the item I never had in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter letter from Kohls in late XXXX stating my account was passed due. I called XX/XX/XXXX and the automated system using my social security number stated I had a XXXX balance. I then preceded to select the option for customer service to figure out what was going on with the letter. I was told that " yes, you have a XXXX balance and please ignore the letter as it was sent out by mistake. '' I recieved another letter in XXXX that I did ignore based on my conversation with that Kohls ' representative. I then recieved a letter at the end of XXXX stating my account had been suspended, I called XX/XX/XXXX and again was told by the automated system I had a XXXX balance. I proceded to customer service again, where I was told again I had a XXXX balance. I continued to press the seriousness of the situation and that's when the representative " found '' another account under my social security number. He then gave me two phone numbers to call because he could not help me. I called the first number ( XXXX ) XXXX and it was " no longer in service '' then I called the other number ( XXXX ) XXXX and was sent directly back to the same recording for the original number I called ( XXXX ) XXXX, I chose customer service again and asked for a supervisor but before that I had to explain the situation yet again. This time though he found the second account in a few minutes and also stated I had been sent to collections and I could not pay off the " 2nd account '' so it didn't continue to report to the credit beauro, He again gave me the ( XXXX ) XXXX phone number and told me to wait for the " collections option. '' I called this number back and there was NOT a collections option, so I again chose customer service and immediatly asked for a supervisor, Again I had to explain the situation ( for the 3rd time ), and was told the " whole collections system was down '' and to call back Monday. I was also told that both my accounts would be deleted from Kohls but it wouldn't help with the collections agency or being reported to the credit beauros. I check my score because I was looking to purchase a vehicle and it dropped XXXX points. Kohls needs to be held accountable and have this infomation REMOVED from all 3 credit beauros immediatly.
Product: Debt collection

I keep getting phone calls from this company. Firstly I thought it was strange as they had called me from 4 different phone numbers all starting with the area code 925 which is a XXXX XXXX Ca area code. I have a 925 phone number as that is where I lived almost 16 years ago but never changed it as my kids know that number. I finally called back one of the numbers and asked who they were. The lady just kept repeating they were an LLC company. I asked her why there were calling and she said in order to speak to you, I need to confirm your date of birth and proceeded to name off my date of birth. I asked her to confirm for me if they were actually in XXXX XXXX, CA, or if they were somewhere else. She said no we are in TX. I said I am pretty sure spoofing a phone number to another state to match someone's listed area code to try to trick them into answering a call is against the FTC rules. You have to call from your company 's phone number that lists who you are. I am not going to give you any personal info until you tell me who you are and why you are calling and can explain why you are spoofing phone numbers in other states. She said. " Well, then I am going to have to end the call '' and hung up on me. I did a search of them on XXXX and there are dozens of people all saying the same thing. This company has called them from their home state while they are in TX. They have put fraudulent dings on people 's credit reports for medical bills they don't owe, in the wrong amounts, the wrong names, etc. I believe this is a company that is preying on people is deceitful in its practices and is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of  release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from Lexis Nexis. When I contacted Lexis Nexis they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX   and Lexis Nexis. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to :
Product: Credit reporting or other personal consumer reports

Allied Collection Services has continuously reported a collection account as " past due '' with a past due balance of {$4900.00}. According to the FCRA, a collection account is by default past due & should NOT be reporting as open, having a past due balance or any payment history. They have caused continuous & detrimental harm to my credit report.
Product: Credit card

This card was opened without my knowledge. My ex has opened a bunch of credit cards and loans online without my knowledge. I have been fighting and working for years trying to get this fixed by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/AVENUE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

I want to Goldman Sach Marcus account page. Paid the balance in full and expected no additional charges like every other card I have, instead they put a late fee on the account for nonpayment of trailing interest which I was told was interest of XXXX cents. It's been my experience with other companies XXXX, XXXX, etc, when you go to their site and pay off a balance all the interest is calculated and the amount they state is the total outstanding is the total amount owned, not some additional amount at a later date. Their mechanisms to resolve it is a dispute that takes 2 months to resolve and at the same time, you will continue to have late fees and interest on a debt you should not owe or a 10-day process for review that appears to just refer you back to the statement print. Their site should calculate all due interest like everyone else when paid in full.
Product: Checking or savings account

Golden 1 credit union told me to go to the bank with the person name on the check to release funds I went there handed them the letter over yall send me and they said they could not find the account I will like them to disburse my funds or I would have to take legal actions Attached is the letter they send to me which was a lie they need to stop telling fabricated stores and refund my funds thats left in my bank account that is clearly not theres I can be reached at XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.
Product: Credit reporting or other personal consumer reports

After mailing Equifax a dispute letter a few months back I asked them to verify the information that I listed and believed was reporting to my consumer report without the proper verification process. I asked them to provide to me any documents that may verify the validity of the information which includes any signed agreements, contracts, or receipts. In pursuance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), Equifax must remove any information that's inaccurate or unverifiable in which them not providing the proper documentation but continue to report this information is a violation. I understand that it is their duty to be in compliance with the laws that they agreed to abide by. How can you report any account without the proper documentation but respond " verified ''? The creditors that's reporting this information never had the consent to call me numerous times about a debt that they never sent me any proof of documentations to me. I have no knowledge of who they or how they obtained my personal information without my consent. I have a right of privacy in which I believe was violated. Also they are reporting multiple personal information inaccuracies which may confuse anyone or institution that I may have dealings with in the future. They are reporting multiple addresses that I currently don't live at. My credit is being negatively impacted by the negative information that's being reported but without proper validation. Violations I believe that was committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

To whom this may concern I have been dealing with XXXX XXXX XXXX for XXXX of last XXXX they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown motorcycle " iron horse " bank inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. I sent letters certified to XXXX, XXXX and Equifax XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, XXXX and Equifax. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. XXXX, XXXX, and Equifax have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have a balance of {$310.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to XXXX  asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows ( XXXX XXXX ) as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.