23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT
Product: Bank account or service

I am trying to file a complaint against Bank of America on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from BOA to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact BOA to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the BOA branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted BOA and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact BOA 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that BOA bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask BOA for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian twice and both times they failed to correct my consumer report then on the second time they filed false information about an account being open that was closed and settled months ago. I sent the first dispute electronically on their website as i just wanted my information corrected, and too continue on my credit building journey. the first dispute changed wrong/ outdated information but said the account was valid. On the second most recent dispute i sent a letter with attached copies of what i paid and too whom the payments were for. I had 3 accounts settled recently and after waiting the 60 period i wanted my information reflected on my consumer credit report. The second report came back worst even after i sent proof stating the account was reopened and the balanced was now 180 days late? I became frustrated, and found out how to get them to fix their intentional mistake as i did send proof ws to contact CFPB. The errors iv found since the dispute came back are, false open account, 180 days late, account not paid/settled, hard inquires and addresses and names that are not mine its a complete mess. The main account that is wrong on my report is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that my personal information is being reported inaccurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. Please investigate and update my personal information to the following : XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX
Product: Credit card or prepaid card

Credit card dispute with Capital One WalMart MC # XXXX Merchant : XXXX XXXX Amount : {$35.00} Date of billing : XX/XX/XXXX Reason : Merchant shipped a metal garden arbor arch in XXXX of XXXX TO my former house in XXXX XXXX, XXXX. Because XXXX does not pick up improperly delivered merchandise - my account was NEVER credited for the merchandise I Neither received NOR that XXXX ( with a ware house just 2 blocks away ) would retreive. 

In XXXX, another ( repalcement ) was shipped this time to my XXXX, XXXX  address. In XXXX, I was RE BILLED by the vendor. Because of this, I contacted the vendor and asked that I be able to return the metal garden arch & get my account re credited. This item was returned to the XXXX XXXX in XXXX, XXXX USPO tracking for this item return was : XXXX Note : On XX/XX/XXXX, I received an email from Capital 1 that mentioned they were reapplying the {$35.00} charge to my account. This was done, despite the fact the merchant never contacted me to advise me HOW I might return the item I was billed for and didn't want. This is against regs under the Federal Fair Credit laws. Capital One 's investigation techniques are anti consumer : they tend to FAVOR the merchant over the customer.
Product: Credit reporting

I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hadba Torrid credit card and it was stolen and had racked up new charges I did not do. I paid some I did but I haven't used or had card in my possession for years.
Product: Credit reporting or other personal consumer reports

Credit reporting act the list of accounts below has violated my federally protected consuer eights to privacy and confidenitality stated on credit laws anything on my credit report should be concent by me only should given any eport with out my permission
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES 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 or other personal consumer reports

requested credit report through annualcreditreport.com as well as through telephone and have not received report nor any response explaining why
Product: Debt collection

I have received 4 phone calls ( XXXX at XXXX XXXX, X/XX/17 at XXXX XXXX, XXXX at XXXX XXXX, and X/XX/17 at XXXX XXXX ) from Capital Management Services. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on X/XX/17. The person asked for me by one of my names, told me he was a debt collector, and said that I owed XXXX/XXXX around {$20000.00}. I have no debts with XXXX and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called XXXX to inform them that this company was gathering money fradulently on their behalf. XXXX said they would forward the information to their security department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just trying to use Experian boost to see if I can recover any of the nearly FIFTY points Experian has dropped My score in the last two weeks ... with paid off credit cards, no delinquent payments, income going up ... two other credit bureau scores INCREASING ... and I get told 'try another way ' ... really ... what ELSE do I have to try??? I've done app, web via phone, SEVEN DIFFERENT browsers on My computer, and customer service ... who hung up on Me @ approximately XXXX XXXX  central  ... I'm not impressed with Experian, and I'll save this post so when you delete I can decide what if anything to do next, without having to type it out again ... to say My experience is terrible is to understate the obvious ... 
failing recovering any of those points, I'd like to at least see WHY Experian is so incredibly out of line with the other two major bureaus ... I'm getting NO help from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXXXXXX Balance : -
Product: Credit card or prepaid card

XX/XX/XXXX. The amount on the Macys XXXX XXXX Account is {$610000.00}. 
Macys was contacted in XXXX that the purchases were fraudalant. The account was closed. For months the account was being investigated and Macys was charging interest fees and late fees. I never received a letter about the investigation or the outcome. Every week I Called speaking to a different person being informed the account was still under investigation. Macys was withholding important information because I was informed there were two individuals given a credit card under my account which I never authorized. Macys refused to give me the names of the individuals that were given the credit card. This amount was placed on my credit report ruining my credit.
Product: Money transfer, virtual currency, or money service

The amount was for {$200.00} and on XX/XX/XXXX. My bank said that my XXXX  was unenrolled and disabled was because a friend paid me for services they received and after receiving the services now they are trying to file a claim to get their money back. Its been weeks since this happened so they should know the claim was valid. They are trying to get the services for free. My bank wells fargo is refusing to reactivate my XXXX  and re-enroll me. They want me to personally speak to the person that submitted the claim. The person is crazy and im not willing to put my life in risk because he decided to put in a claim for money that he did owe.
Product: Checking or savings account

Wells Fargo denied my dispute after sending me that there was unauthorized use on my card I am entitled to my money
Product: Debt collection

The company name was XXXX. They first contacted a reference I listed on my application on XX/XX/20 and she was told by the guy that contacted her that he was forseeing office for XXXX County and proceeded to give her a case number for me to contact them. I contacted them and was told that if I didn't pay them, they would proceed to take action and send my information to the county to take me to court. I recently just found out I'm pregnant so I was scared, offered my card number and attempted to make a payment for {$210.00} but card was declined. I told him I would call back when my direct deposit hit and the guy XXXX XXXX told me if I didn't call back that would be a breach of contract and they would go forward with submitting my information to the county. I didn't call back that day because I wanted to investigate especially since I just don't have the funds at the moment and they drafted my account anyway. The next day on XX/XX/20, I contacted them and asked them to remove my card information and the lady XXXX told me that means they would forward my case to county. They then proceeded to contact my mother in Mississippi that's not on any of my paperwork and also takes care of my XXXX father and attempted to collect the debt from her and let her know the amount of the debt. I contacted them again and asked them not to harass my mother, she then told me her number was removed but my mother received another phone call again this time telling her the company it was for Ace Cash Express. To my knowledge it is against the law for them to harass family members and to let them know the amount of the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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. 


XXXX 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 XXXX
Product: Mortgage

I have tried to have my existing lender correct the property taxes on my house to the correct property taxes with my XXXX ( XXXX ). I faxed the letter from the tax assessors office to Mr. Cooper ( my lender ) on XX/XX/2022 @ XXXX XXXX. I have called a number of times and Mr. Cooper refuses to lower my property taxes to the correct amount with my exemption for being XXXX. Now I am getting documents from Mr. Cooper telling me my mortgage payment is going up because I now have an escrow shortage because they are collecting and paying out the wrong ( higher ) tax amount. The old taxes are {$3100.00} and the new ( lower ) taxes are {$2300.00} with the XXXX exemption.
Product: Debt collection

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. 
Thank you. 
*There were 2 accounts listed with same redacted account number but 2 different balances in error.

1 ) XXXX- balance stated of {$890.00} 2 ) XXXX- balance stated of {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Product: Mortgage

I have applied for and was granted a covid forbearance when I lost my job due to covid. When it was time to start repayments in XX/XX/2021 I applied for and was granted a deferral to add the forbearance to the end of my mortgage. My mortgage company has never given me the deferral even after I have followed all of their directions. I have called them every month since XXXX and explained to them my situation and I followed their advice every time. I was told that multiple times that I was approved and in a few weeks from that call I would receive the deferral. The mortgage lender has sent me loan modifications that I did not ask for and they tell me that this has restarted my deferral process. I have called every month to keep making my regular payments and I have been told multiple times that I have been granted the deferral only to get another loan modification that I did not request. I have explained this every month to my mortgage lender and they keep telling me that Im approved for my deferral and to keep making regular monthly payments. I have no idea why the mortgage lender is a keeping me in this loop of constant worry and fear and deceit while I am following their instructions exactly.