23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on my business line from an unknown number at XXXX XXXX XX/XX/18. The person ( a woman? ) on the end of the line asked my name and to confirm my identity my providing my date of birth. I confirmed my name but I refused to give out my date of birth to the woman without her identifying herself or who she was calling on behalf of. 

After telling her this several times, she admitted that she was calling from the XXXX XXXX XXXX She said I owed {$700.00} to my former school and that I needed to pay immediately. She was incredibly rude and non-forthcoming. 

I questioned why I had not received previous correspondence about the amount I owed, especially considering that I have other accounts I have paid with XXXX XXXX XXXX. I then asked her why I would pay for something I had no bill or proof of ever owing. She did not respond to that, instead telling me again that I had to pay the full amount immediately. When I again asked her for proof, she told me that my account was transferred four times, but she did not clarify what that, transferred four times, meant. She only kept stating that it was by my former university. 

I then informed her that the law requires her to provide proof of any debt that I owe, and I had not received any letter or previous call detailing the debt she said I owed. 

After telling her, she had to provide proof of this debt, she said, " oh, so you want to contest this then? ". 

I told her that I will not pay for something I have not received proof or a bill for and that simply naming my college was not enough detail for me. 

I told her to send this information to my address and for her to never personally call me again. 

I called XXXX XXXX XXXX to speak to someone else about this supposed debt. I waited 20 mins to speak to someone before hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. XXXX/XXXX  calls and harass me daily for that unknown debt. I explained the ACCOUNT is FRAUDULANT and not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. I also sent a copy of the FTC and police report to XXXX back on XX/XX/XXXX and they still have not been been able to verify/ validate this debt is mine. They are not coorporating and states that they are willing to take settlements. Now I received a letter from XXXX XXXX XXXX XXXX stating that the account was bought out by them. I filed an FTC and police report with my local police department. I don't know what else to do so I am finally coming to you guys for some guidance please and to file a complaint in regards to unfair and illegal practice by both parties..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 we were turned down by XXXX XXXX XXXX XXXX after trying to open an IRA account with them. One of the reasons we were turned down was " AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH ''. 

Equifax was designated as the source of this information. I pulled my Equifax credit report and found that it had identical " High Credit '' amounts listed month after month that were wildly inflated on two different revolving accounts. I contacted both creditors and asked about the information they had supplied to Equifax and the numbers they related to me had no correspondence with what Equifax reported. I opened a dispute with Equifax by phone ( their website is ALWAYS down ). 

On XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the website was down. I called the number on the screen and an automated voice said that " one of your five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute. As it turns out, nothing whatsoever had been corrected even though both my credit cards said that they had sent them fresh correct data. 

The fact that I had the same incorrect ( and physically impossible ) data reported from two unrelated creditors makes me certain that the error is in Equifaxe 's computer systems. Their customer service reps refuse to acknowledge any problem on Equifaxe 's part and blames the two separate, unrelated creditors for the exact same error on two different accounts. 

The fact that Equifax will not acknowledge a problem in their computer systems means that they have no intention of even trying to fix the problem. Their standard solution is : 1. Put in a dispute. 
2. Do nothing, but report the dispute as resolved. 
3. Tell the consumer to submit another dispute I am in the slow process of getting printed documentation to send to an address that the customer service rep told me was the executive office of Equifax, but I doubt if it will accomplish anything. In the meantime, I am unable to open an IRA, out of fear of rejection due to Equifax 's misreporting of my financial situation. 

Thank you. 
XXXX XXXX
Product: Debt collection

This is the company Im complaining about, Ive truly had enough. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX This account was removed off my XXXX, XXXX, and XXXX credit XXXX in XXXX of XXXX. I have the proof, Ive shown documentation every time i disputed. This account was removed at the creditors approval due to it not being mines. 

LVNV reported it again on my XXXX after deleting the account?.. It doesnt make any sense and its almost XXXX, I want this to be settled.
Product: Mortgage

A promissory sent to XXXX XXXX XXXX to satisfy the debt obligation for the transferred mortgage which Amerihome wasnt the original lender yet bought it from another lender. You cant buy and sell debt once a debt is bought its satisfied. Yet Amerihome refuses to settle out the account. A note for the full amount was sent and kept. However never crediting the account along with 1099-C. Account still open and not credited or closed out properly.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX I REQUESTED A FUND TRANSFER OF {$500.00} WITH WORLDREMIT TRANSFER # XXXX CASE # XXXX, FROM XXXX XXXX XXXX XXXX ACCOUNT CREDITTING THE NAIRA EQUIVALENT TO XXXX XXXX XXXX XXXXXXXX XXXX. ON XX/XX/XXXX, THE FUND TRANSFER WAS CANCELLED DUE TO NETWORK PROBLEM. ON XX/XX/XXXX, I WAS INFORMED THAT A REFUND HAS BEEN SENT TO MY XXXX XXXX XXXXXXXX ACCOUNT. I FILED A COMPLAINT WITH XXXX XXXX XXXXXXXX ASKING FOR MY REFUND. XXXX XXXX XXXX, AFTER SERIES OF THEIR INVESTIGATIONS DENIED MY CLAIM THAT NO REFUND WAS RECEIVED FROM WORLDREMIT. I CALLED AND EMAILED WORLDREMIT MANT TI.ES DEMANDING MY REFUND. ON XX/XX/XXXX, WORLDREMIT EMAILED ME THAT THEY '' VE RECEIVED MY REFUND AND THAT I SHOULD SEND MY BANK INFORMATION TO ENABLE THEM ISSUE MY REFUND. I PROVIDED XXXX WITH MY BANK INFORMATION REQUESTED. UP TILL TODAY XX/XX/XXXX, NO REFUND HAS BEEN ISSUED.
Product: Checking or savings account

Since my account was open, the bank blocks my transaction due to my new temporary issue bank card, but the day I received my new debit card they totally shut down my account and locked up my card for more than three weeks, and totally lied to send me my confirmation number which I never received in home addressed mailbox, my XXXX XXXX  has gotten worse because I can not get my medicine for almost 3 weeks I reported their fraud to the social security general inspector in the fraud scam abuses in locking up my bank account so they won't reward my {$320.00} bonus I supposed to receive for opening up my new bank account at Citi bank, to date I've been given too much lies to receive confirmation letter, when they shut down and locked up my account I have no way to pay for my phone service and important medication I need it so badly to stay health, I want this bank to stop making excuses and open up my bank account and pay me my {$320.00} opening bonus I was offered when I open up my new account to date my sickness has gotten worse because I can not buy my XXXX  XXXX  XXXXXXXX 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 flare up every day I wait for my new bank to open up they have been lying to me for 4 weeks now I haven't have access to my bank since XX/XX/year>XXXX  these is biased hate crime abused. discrimination at best. Thank you. Sincerely. XXXX XXXX XXXX XXXX  American citizen in New York XXXX XXXX.
Product: Credit card or prepaid card

I received a statement from Destiny indicating I have a credit card with it, ending in XXXX, which I have never applied to and I have never heard about this company.
Product: Credit reporting, credit repair services, 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.

1. XXXX XXXX XXXX  acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than seven years.

15USC 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  XXXX
Product: Credit card or prepaid card

I have a chase card that had some XXXX  charges made on it while i was hospitalized from XX/XX/2019 to XXXX XXXX. My daughter was making my payments on my card when she noticed in XXXX that they was about {$2000.00} dollars or more charges on my Chase card, she the called Chase to notify them that they were fraudlent charges. The XXXX   customer representative said it would not be a problem because they have a zero liability fraud protection and i would not be held accountable for the charges. 
The representative cancelled the current card and credited my account the amount of XXXX charges to my account. A few months later they charged my card the charges again for XXXX and maxed out my card. I have spent months arguing with them that they were fraudelant and I m not paying another payment until they fixed ti. It finally got to the point I got tired of arguing with them and cancelled my card. 

My daughter spoke with XXXX at XXXX and she explained to her that they gave credit for all fraudelant charges back to chase and 4 XXXX XXXX cards. 

The last person I spoke with wanted me to prove I dont have an XXXX  phone which i have and XXXX  phone. 

I am a XXXX patient and Veteran and I can not afford {$300.00} a month per card. I live on a fixed income. 

All i want is for them to do is honor their zero liability fraud policy. And make the proper corrections in accordance so i can pay what i actually owe and my credit score will go back up because this has destored my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's is reporting a fraudulent inquiry that I never made on my account online on XX/XX/XXXX. I was at work at the time this supposedly happened. I would never request an increase online to any company. My computer was hacked a week prior to this in which I purchased a new computer in which 2 of my credit accounts were compromised. I never requested an increase on my credit card because I had a XXXX balance and hardly ever use the card. They even had the wrong email address. I tried calling about this several times and submitted letters but no resolution. I received a letter claiming that their information is correct. The police will not make out a police report on inquiries. Kohl '' s knows this and this why they refuse to remove this inaccurate information. I did file a fraud report to the credit reporting bureaus and put a fraud alert. I do not believe that Kohl 's did an investigation on this. I do not believe that this is fair. The information they have is incorrect and this is not fair to the consumer to keep inaccurate information based on online that never happened. Kohl 's must not care about their customers.
Product: Credit card or prepaid card

I have found that Discover has been charging me interest from 2 different time periods. Neither of these times is a Cash advance. 

They charge interest on the whole balance for XX/XX/XXXX to XX/XX/XXXX Then a different interest rate from XX/XX/XXXX again on the whole amount. 

Now during the first time period didn't I pay the interest that was due for that time, on the balance then? Why is it still being charged? They are able to collect past interest rates on today 's balance? 

How can I be charged interest from then on today 's money? Plus interest on today 's money as well? 
I have sent emails asking them to explain this but they did not respond at all.
Product: Debt collection

I have a Debt on credit report in collections from Abitity Recovery Service. I have never received anything from them about this debt. Now it has been placed on credit report and I have taking a bad hit on scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I place a freeze on my credit with Experian, by telephone. 

On XX/XX/XXXX, I placed a temporary lift of the freeze, by telephone. 

On XX/XX/XXXX, I tried to reach Experian by telephone, at all ALL 3 of the telephone # s I was able to find on their site and on the internet. No one answered. And I was never provided with any option for waiting for a representative. I got stuck in an automated system. So I am unable to manage my credit freeze. 

There was no option to ask for a call back, no recourse at all. 

While I appreciate that we are in the covid times, I find this highly alarming and inappropriate, as Experian manages critical financial information. 

I am at a complete loss and don't know what to do. 

( Yes, I tried to create an online account to take care of this, but was unable to put the freeze back on. )
Product: Credit reporting, credit repair services, or other personal consumer reports

there was 2 accounts opened through USAA dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX
Product: Credit card

I am formally complaining against SPRING OAKS CAPITAL LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SPRING OAKS CAPITAL LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SPRING OAKS CAPITAL LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Student loan

I have multiple loans thru Navient ( previously XXXX XXXX ), I 've tried working with them about payments but they will not budge they want more than I can afford, now I think they are going to try to garnish my wages without a court order
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, your selection options need to have OTHER, as NONE of your options came anywhere close to my situation. 
In XX/XX/XXXX my husband, my son, and myself went through the XXXX website and chose the XXXX XXXX for five years of mail offers. We printed, signed and sent back the forms per their protocol for processing. Five months later, we are receiving credit and insurance offers again at our new address. I kept sending the offers back and telling them to remove our names from their databases. Most of the time it stopped until XXXX XXXX started harassing us and I filed a complaint against them because they were asking for personal information on my father-in-law, whose name is similar to my son 's. I had to go back into the XXXX website again in XX/XX/XXXX, all three of us filled out the forms for five years of no marketing through the mail and sent the forms in. I've also called the credit reporting agencies each time for all three of us to not be offered anything. 
We closed on a new home in XX/XX/XXXX with a VA Loan. I am the primary on the loan since I have a XXXX XXXX XXXX rating with the VA. Since then, I have received three letters, two psotcards from XXXX   XXXX XXXX, each piece of mail came from a different address, sometimes different state. I have written them back three times telling them to CEASE AND DEISIST contact with us. I received yet another card from them today telling me it was required that I call them on the phone to discuss the issue with my mortgage. They use almost threatening language in these advertisements, and it needs to STOP NOW. Why were they allowed my contact information when I have already sent in forms twice to OPTOUT telling them NO MAIL IN THE NEXT FIVE YEARS? This is harassment. Why are these people allowed to use such language that is deceitful in marketing? They need to be stopped. Who gave or sold them our information? Was it XXXX not doing their job, or was it the credit reporting agencies, or was it my lender? I need to know so I can file complaints against all of them. This needs to stop. NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX XXXX days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Debt collection

For the last 2months I been getting pH calls about XXXX XXXX I was told aggressively this your bill you open it very disrespectful after they were told the item was disputed they tell me 3 party sent that to them and it need to be paid didn't really get fair chance to talk without demanding a payment now it's different representative keep calling all day early in the morning, the company amsher if I'm not mistaking. Thanks.