23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )
Product: Debt collection

On XX/XX/2023 I was mailed a collection from Keystone Law LLC in the amount of {$2200.00} ( including interest ). The company is trying to collect a debt on behalf of XXXX XXXX XXXX. Upon contacting the XXXX XXXX, I discovered I have no outstanding balance, no collections, not even a charge in the initial amount before interest of {$1800.00}. XXXX XXXX XXXX said they never reached out to a collection agency and that they dont use Keystone Law LLC as a collection agency either. I have asked KEYSTONE to remove the debt multiple times and they state that they can not, the XXXX XXXX must do so. I have written a letter asking them to validate the debt and provide documents and they have not responded.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Wells Fargo ( XXXX ) that contained an access code to view my application for new credit. While I do currently have a Wells Fargo credit card, I have not applied for any new credit. At first, I thought the email might be a scam, but upon closer inspection, it appears to be a legitimate email from Wells Fargo. I tried contacting them by phone on XX/XX/XXXX but got bounced around to different people, because no one could tell me what the access code was for. I also forwarded the email to an email address on the Wells Fargo site for reporting suspicious communication and received an automated response but have heard nothing since. I'm concerned that someone may be applying for credit using my identity or that Wells Fargo is fraudulently opening new accounts in my name, as I'm aware they've done to their customers in the past. I need to know what new credit applications are in process at Wells Fargo under my name and halt the processing, but I'm unable to reach anyone at Wells Fargo who can figure out what this is about.
Product: Credit reporting or other personal consumer reports

I have medical bills on my XXXX XXXX Transunion over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with XXXX XXXX Transunion and also have called.
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error. 
The items below should all be updated as agreed on my consumer report. 
also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX  Account number XXXX late payment XX/XX/XXXXXXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Product: Credit card

I received a notification from XXXX XXXX that my SYCHRONY Lowes Account was closed. Further looking into it, it remarked that the grantor closed my account on XX/XX/XXXX. When I called and asked about it, they stated my account was closed due to high revolving accounts, and too many inquiries. My account with them was opened on XX/XX/XXXX. It is not right or fair for them to close my account. I have made all my payments on time.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

In XXXX Nationstar became the 'servicer ' on our loan. They have tried everything to put us in default including manipulation of their transaction history report. They regularly posted payments late even though we have the tracking numbers for their receipt. They tried to establish an illegal escrow, with no proof except their transaction history. In XXXX, they started returning our periodic payments and the payments they accepted were applied to their bogus escrow account rather than interest and principle. They accelerated the loan in XXXX and ultimately foreclosed in XXXX after returning 18 months of payments. In court, a witness for Nationstar testified, under oath, that no escrow existed. A week after that testimony, Nationstar forced -placed an escrow on our homeowners policy, which we have been paying over 11 years as per an escrow waiver. They paid over our paid up policy and instructed the insurance company to return our payments. We received a refund check and have now returned this check to the insurance company. This is the 2nd time Nationstar has tried to place an escrow on our insurance. This is nothing more than under-handed tactics so they can show the court, they actually have an escrow. The only problem is that it 's too late and they have no grounds for doing so. Also, Nationstar has named itself as mortgagee under the insurance policy, while they signed an affidavit for the court, stating that they are only a servicer. They will not respond to us as to their 'mortgagee ' status. There are missing entries on their transaction histories and no 2 are alike. The history shows numerous property inspections, sometimes 3 in one month. They refuse to answer our QWR 's, and any and all questions about their status, the status of a lender, the validity of an assignment and many questionable entries on their history. What I find particularly interesting is that the transaction history shows our payments coming in, but do not show any monies going out to lenders, etc. This has been nothing more than a manufactured default and the illegal foreclosure and is fraud upon the court. This is a company that should be out of business for their illegal procedures. Anyone who reads this, should question every move they make and do n't believe a word they say. They have their own agenda and it is NOT to help the homeowner.
Product: Credit card

I am patients at XXXX XXXX XXXX XXXX XXXX XXXX I last last visited their office and made a charge with my Sams ( Synchrony XXXX XXXX XXXX XXXX XXXX. To provide some context to this situation, my husband was recently reconciling the credit card account for business purposes when he discovered an unusual charge dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I immediately called XXXX XXXX XXXX and was told it was not their charge and that they did not have an office in XXXX XXXX 

Concerned that an employee of XXXX XXXX may be recording and selling customer credit card details, I called the credit card company on XXXX XXXX to investigate the charge through their online how can I dispute a charge '' process. When I called their customer service staff according to the instructions of their online process, they asked some questions about the disputed charge and then summarily informed that they had cancelled the account without even mentioning this in advance. 

This has now become a huge problem because our online access to historical purchases has disappeared and autopay instructions have to be reinitiated once we receive new cards. ( Not an easy process. ) This is disheartening as I was truly not very concerned about the {$11.00} but simply wanted to make sure that XXXX XXXX XXXX knew if someone in their company was doing something illegal. Unfortunately, my good intentions became somewhat of a disaster for me. 

So far, the credit card card company refuse to... 
- Say when replacement cards have/will be sent. 
- Provide a copy of their company SOP on their policy to automatically cancel an account without pre-advice when a customer disputes a charge. 
- Provide a copy of the telephone conversation transcript.
Product: Student loan

I have XXXX different collections XXXX with navient. After they started garnishment of my XXXX I made payments to all XXXX collection agencies, and was told after a certain amount of time garnishment would end. I spent five hours today to get information on having the garnishment stopped. Navient told me to contact dept of treasury they transferred me back to collection, was told to call dept education. They told me they have not received any paperwork to stop garnishment and call navient. Called navient again and this time was told septic education was supposed to send me the paperwork in the mail. I have received anything like that.
Product: Debt collection

This account was listed under the bankruptcy ; however its still being reported separately on my credit reporting. Basically, I am being penalized twice. 

The bankruptcy was filed on XX/XX/XXXX. This was reported XX/XX/XXXX. 

Also, I believe this debt was due to identity theft/fraud. I have recently gained knowledge of fraud using my social security number. I have attached the bankruptcy filing which will list Optimum Outcomes on page 15, column 2, 5th row. 

The police report has also been attached.
Product: Debt collection

Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX/XXXX in the amount of {$330.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed accounts on my consumer report and Transunion and XXXX  responded that files are verified and updated on my consumer report which is a direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth :XX/XX/XXXX- **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX  AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXDispute  XXXX  XXXXXXXXDispute   XXXX  XXXX  XXXX XXXX  XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedUnder Dispute all ftc violations sent over to all companies
Product: Credit card

XXXX placed a XXXX $ hold on XXXX, RELEASED XXXX. XXXX  XXXX refuses to put the XXXX $ back in towards my account.I have called, just computer screen readers. I have emailed, NO response at all. They are a completely dishonest company.
Product: Mortgage

I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?
Product: Credit reporting

I have liens reporting on my credit that are not mine. They are My fathers.
Product: Checking or savings account

I opened a business Checking account And deposited a check of {$3500.00} At the time I open the account They close the account saying that they don't like the name of my company And they don't want to return My money saying they could not veriby who gave me the check I gave them the number of the organization that gave me the check for a paid invoice And they are playing stupid like They don't understand the language they can not reach The owner of the organization Ridiculous claims XXXX weeks
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Reference number XXXX 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.