23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Genuine Debt Solutions on XXXX XXXX, 2016 by someone named " XXXX XXXX '' and was immediately asked intrusive questions about where I work, etc. without being told " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told this person I was not comfortable having this conversation as I was recently scammed by a company trying to collect on this same " debt. '' I was then transferred to " XXXX XXXX '' who at first seemed to understand my frustration but later became belligerent and highly unprofessional. She told me to " stop talking and listen '' as if I was a child. Keep in my mind she called me so I had the right to state my reasoning for not wanting to continue the call. I continued to ask for validation of debt and asked questions about the companies legitimacy and she then became loud and rude and said that if the money is not paid her client intends to pursue legal action so I disconnected the call. I received XXXX documents sent from a XXXX account from this " business '' - Genuine Debt Solutions telling me I owed an ABSURD amount of money to her client, XXXX XXXX. When I called XXXX XXXX directly they had never heard of this company and told me that I did not owe this debt.
Product: Mortgage

I filed a complaint against select portfolio servicing case # XXXX. My loan # is XXXX. What I am looking for is not a trustees deed. It is clear that it is a fraudulent. What I am looking for is the change in trustee documents. That should have been sent from XXXX XXXXXXXX XXXX to XXXX XXXX to make him trustee and sent to me letting me know of the change in trustee. XXXX XXXX XXXX says they never did the transfer of trustee because they were never trusttee. They open a file but it time d out because they never received the documents in the time limit set out by IRS. This says there was never a mortgage created. I know that was no Notary nor would I sign my name as XXXX XXXX. That is not what is On my divers license. So that means the documents are fraudulent. How these banks got these documents I have no idea. if they had a problem it was with XXXX  not me. Please provide me with a certified copy so I can verify it with XXXX. As XXXX   XXXX XXXX says they never issued the conveyance any of a transfer of trustee.This why I have no liens on my property. XXXX XXXX has committed fraud along with sps, XXXX and many others. Your Trustee Deed is a fraudulent. These people did a fraudulent foreclosure they wrote a fake writ to have remove from my property an all my property stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Nstar/Cooper is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report 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 XXXX XXXX  Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 


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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.
Product: Checking or savings account

i disputed an amount of {$130.00} on XX/XX/XXXX Wells Fargo gave me a temporary credit. on XX/XX/XXXX the amount was charged back to my checking account. I did n't receive any notification that the claim had been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been used without my authorization, resulting in the fraudulent accounts and inquiries listed below appearing on my credit report. I am requesting that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009
Product: Debt collection

Good Afternoon, This company Pressler , Felt & Warshaw , LLP has violated my rights. They sent a letter stating I was being sued and would face XXXX. On the first letter there was a false docket number. I called the courts following went in person. They could not find the docket number in the system. Long story short we both believed it was a scam. They continued to send mail with the same comments. I called thier office asking for orignal terms of agreement and list of purshases, payement overall all history. They stated they did not have it. What am i to believe now? Now recent they filed wage garnishment. The orginal card was a secured card with a XXXX XXXX limit now they are charging me XXXX . What can I do?
Product: Mortgage

Our loan servicer is Bank of America. My husband and I have requested information pertaining to the name, position and address of an officer of the entity that is the owner or assignee of our mortgage loan. They informed us because of the QWR made under 12 U.S.C. 1692g per RESPA they do not and will not supply us with this information. They did give us some of the Loan History Statement, but omitted the first XXXX pages. Bank of America has moved forward with foreclosure and selling our home on XX/XX/XXXX. We need help in getting Bank of America to give us the information we need to save our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$99.00}
Product: Credit reporting or other personal consumer reports

These inquiries listed below are not mine and I want them to be removed immediately. 
Equifax 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 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 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 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: Debt collection

On XX/XX/year> at XXXX PM, I checked my credit report and saw that the Barclays account had been charged off. Here are notes from XXXX to XXXX of 2023. 

Barclays 1- Did not provide information about account being closed during the pandemic. 
2- Did not offer a settlement.

3- Did not notify of charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Company account was sold to ) Called Barclays and spoke XXXX XXXX ( XXXX XXXX to inquire about account being closed and charged off during the pandemic. No one was able to provide me with information after being transferred several times.
Product: Debt collection

I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX : has violated my rights. 
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. 

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report acXXXX XXXX Account XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX, has violated my rights 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.
Product: Credit reporting or other personal consumer reports

I've always been on time with my payments, so these late entries are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - my mortgage with Flagstar bank was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted Flagstar that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with Flagstar or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an XXXX alert of a major derogatory account comment reported by Flagstar on my credit file that negatively impacted my credit score by 116 points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with Flagstar during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called Flagstar and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from equifax that i had a credit alert. when i checked my alert my credit score had dropped aprox XXXX points and my pink credit card was listed as closed by account creditor and was listed under negative accounts. On XXXX XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
Product: Debt collection

Since the end of XX/XX/2019 to present, I receive 10-12 ROBO calls/week from this company calling itself a Debt collector and student loan forgiveness/negotiator. I researched every number that this SPAM caller used and traced each number to a Portfolio Recovery debt collector. I blocked each number yet, the calls keep coming in, a different number that indicates on my caller ID, Debt Collector or Suspected SPAM, and no message left on each call. I reported every number to the FTC and I am registered with the national Do Not Call list. I have Caller ID Lists dating back to the end of XX/XX/2019 that displays each number, the day and time and date I received these SPAM/ROBO calls from this Portfolio Recovery. I was directed to contact the CFPB because of the excessive/extent of each call and when I initially answered the call the voice response made an offer to forgive my student loan, and or, negotiate a payoff. I am currently involved in a claim I filed against a student loan collection agency ( XXXX ) and I don't know if this SPAM/ROBO debt collector Portfolio Recovery is affiliated with XXXX. I have an account ( s ) with the CFPB regarding this agency ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft
Product: Checking or savings account

On XX/XX/XXXX Chase Bank accepted a 3rd party check in the amount of {$2500.00} That was Endorsed and Signed and deposited Completed Said there would Be a hold and Funds would be available October 5th 10 days for funds to Clear On XX/XX/XXXX the funds Clear and are available for use But XXXX use funds and now accounts Restricted so I contact the customer service for Chase and was told the third party had to be verified which there third party verification database they're trying to verify with phone number for the third party and if the third party does not have a number in the system it will not verify them I tried to go into a local branch with the third party to identify with ID they would not accept also try to have the third party on the phone with me talking to customer service they would not verify that way either I was later then told that I had XXXX grace period or the account would be restricted and closed well and XX/XX/XXXX they close the account with the remaining balance of {$2500.00} when contacted the customer service for Chase after receiving a letter from Chase regarding the closed accounts and what Debit XXXX  standed and meant on my statement was told account closed and Funds Would Not be Sent out VIA it was a XXXX party check That they can't verify so they can't send me my Funds from account even though check was cleared and deposited
Product: Credit reporting or other personal consumer reports

On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In 2021 when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx
Product: Debt collection

On XX/XX/year> via XXXX AM XXXX, I received a call from XXXX XXXX XXXX. The debt collector was extremely rude, belittled me, and completely unfair. After informing the agent that I would report her she hung up. I called back requesting to speak to a supervisor and they have refused my calls. I left a voicemail asking them not to contact me ever again. They call me numerous times throughout the week after making contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF.

I have placed a security fraud alert on my SSN to avoid instances like these in the future.