23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I got an alert stating I had a collection account. I reached out to the company on the same day and they informed me that they were sending notices to an address that I have not lived at since early 2016 and they were calling a phone number that I no longer had. My mail was forwarded to my new address and my credit report has all of my updated contact info including phone number and address. If they properly skip traced me then they would have had this information. I was not given the opportunity to dispute or resolve this account before the collection was placed on my credit report, because I knew nothing about it. This has tarnished my credit score and I was under contract for my new home and past the due diligence period, which now I have lost my earnest funds due to no longer qualifying for lending. In addition, to that my children and I have given notice to my current rental property so we are now going to be homeless all because of this company illegally adding this account to my credit report without notice. I just had a XXXX 6 weeks ago and this has ruined my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did n't replying in a timely manner to my initial letter on XXXX, or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in XXXX XXXX. As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month. I also am have a pending lawsuit against XXXX, Experian & XXXX for not investigating nor responding to me as well, and taking no action when XXXX XXXX did not reply.
Product: Checking or savings account

I using the Bank of America to pay my financing XXXX XXXX XXXX to pay them but what happened is First its going tru my auto pay then I set up for XXXX pay then I get in in trouble again be cause there repossession my car because of non paying them but I have proof that I paid them but the XXXX told all of my payments is get reversal or insufficient but you know what happen is my Bank intuition Bank Of America there sending cheque but I never requested to them then the XXXX XXXX. Hills there received it and then sending me again to my home then until I become struggling because of there negligence and discrepancy circulation and to end of my account there get close And my dignity its irrespectable by XXXX XXXX XXXX Staff keep back and port to Bank of America this issue that can not be resolved and I feel being discriminated traumatized experienced also to the other Bank intuition like XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX I mistreated to all this bank the way I get there services as costumer until now.
Product: Debt collection

For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft/fraud. I have noticed the original creditors, XXXX, Equifax & XXXX several times that the following accounts do not belong to me : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to the original creditors, XXXX, Equifax XXXX XXXX.
Product: Checking or savings account

An online saving account was open under my name with Marcus by Goldman Sachs without my permission. Bank statements have been sending to my home address with balance of {$1.00}. As of XX/XX/year>, I received the last statement indicating such account funding was withdrew and account was closed on XX/XX/year>. I called the corresponding bank to understand the situation. They were not too cooperative about my request and I spoke to three different customer service representative ( 1 being the supervisor on shift ). I was instructed in order to get account information, I have to file a fraud report along with a police report and submit it with my written statement via mail.
Product: Mortgage

the lender is in violation of RESPA and Dual tracking guidelines - the clients file is with the underwriters and was deemed a complete package as of XX/XX/2017 and the lender is still proceeding with an active sale date of XX/XX/2017 - this sale date if the client is denied for a mod within the next 30 days does not allow the proper time frame needed to submit an appeal on the clients behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Product: Credit card or prepaid card

Company tried forcing me to use XXXX savings accounts in an attempt to slander & defame my character via denying my application by failing to identify me by forcing me to " unfreeze my reports ''
Product: Mortgage

OCWEN Mortgage company updated their ACH part of their website and somehow lost my payment that was scheduled to come out XX/XX/XXXX. They have blamed me for this mistake several times. Today XX/XX/XXXX I get a letter in my email that blames me for cancelling my payment. I never cancelled my payment! They just never want to be responsible for any mistake they make. This is poor customer service to say the least. This letter that they just sent is 3 1/2 month after the incident. It made me wonder why would you send it to me now? What are you trying to cover up?
Product: Debt collection

When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX  Consumer NEVER asked Equifax to open a dispute. 

Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX  Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above.
Product: Credit card or prepaid card

I contacted XXXX XXXX XXXX about my XXXX XXXX card and XXXX XXXXXXXX card I informed them that I went through multiple family deaths within a year and a half & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told was they would put me on a Hardship program ( which they did ) then after my 1st 3 payments on time they would remove all late payments ( WHICH THEY DIDNT ) I have contacted them to try to get this resolved and they are stating they can not do it now. I just want all late payments removed off my credit report so I can be able to finally move forward and purchase my home since Im finally back on good standing with my finances.
Product: Credit card or prepaid card

This is a brand new credit card with Bank of America and I tried to connect my XXXX banking account to transfer money to pay towards my balance. BOA will ONLY allow you to pay online or through the app if you set up a BOA checking/savings account. This is NOT right. I should be able to pay my bill anyway I want. I can never get a human - only virtual assistant that tries to set me up for bill pay which is paying other bills with the card. This is absolutely wrong as a banking practice to force a consumer to open up an acct with fees just to pay their credit card acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX  XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX, Account Name : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.U. 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 conviction of crimes which antedates the report by more that XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX The above company is request that I pay a debt that the original financial entity had submitted a XXXX to the IRS, and the IRS has XXXX the XXXX and now I have the XXXX as income to submit when I pay my taxes. So the original financial entity received credit for this debt. and this debt collector is try to make money off a debt that has already been canceled and forgiven. The debt collector is also try to collect more than double the amount of the original debt.
Product: Credit reporting

This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. XXXX {$2000.00}
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, I applied for an AmeriSave loan to refinance and cash out a loan on my home. One step to completing the loan application was to pay a {$500.00} fee, and I was led to believe by XXXX XXXX that this was to secure a locked rate. On XX/XX/XXXX, I was asked to provide bank statements to verify I have {$26000.00} in funds. I notified AmeriSave that we do not have the requested funds in our account. However, I became concerned about the lack of an appraisal on our home and inquired when the appraisal of my home would be done. 
On XX/XX/year>, a request to cancel this application was sent to AmeriSave due to the fact we would not be able to meet their demand. They are trying to say that no refund is due because I canceled the application. However, on XX/XX/year>, I received a voicemail from XXXX XXXX concerning the cancellation and I wanted to discuss a new program to save money. 
AmeriSaves attempt to run out the clock and not request an appraisal for our house to justify not refunding the {$500.00} appraisal fee we paid.
Product: Debt collection

I have been harassed for months now by a company called Midland Credit Management and they refuse to verify the debt they claim I owe them, that have been negatively reporting to XXXX  and damaging my credit score. 

They have removed the debt from XXXX XXXX and XXXX  but not XXXX, I have reached out in XXXX and XXXX and have note received a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$11000.00}, XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$1400.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1300.00} XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$450.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$220.00} XXXX XXXX/XXXX # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX Of XXXX XXXX # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX bank XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Late paymments : XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I sent them a letter, with a copy of all the inquiries made from this company, asking them how did so many inquiries appear on my credit report ( experian ). 
XXXX XXXX is showing multiday times during the day and week and months that I checked my credit. This is false and it is fraud. 

I do not use XXXX XXXX. 

The letter with copy of data was returned to me, stating the building is vacant. 

This is the same address which appears on Experian. 

False advertisement is being used that you can check as many times and it will not hurt your credit score. That is a lie. It does. 

The address I used and which is on the Experian credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. Vacant. Unable to forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.
Product: Credit card or prepaid card

I purchased gift cards called " XXXX & XXXX ''. One was purchased at XXXX XXXX on XX/XX/XXXX The other at XXXX on12/18/2021. Each card had {$25.00} on it. The website on the back o the cards is XXXX but this is the corporation : Blackhawk Network California , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX On XX/XX/XXXX I tried to use the cards at XXXX XXXX XXXX in XXXX CO and both cards were declined. The next morning, I went to the website to check the balance and the link for the balance check did not work. I tried XXXX different computers. So I then called the number on the card. First I verified that there was {$25.00} on each card which there was. Then I spoke to a customer service agent. I recorded the call, as they disclose that calls may be recorded. They looked up the card and saw the declined transaction. The agent said it was declined because the purchase was greater than the amount on the card. I replied that every gift card I have ever used, ( whether it was purchased or given as a store credit ) will apply the amount of the gift card and then if there is still a balance, have that paid by another form of payment. She informed me that these have to be run like credit cards and that it does not permit you to " split the payment ''. I replied so I have to spend exactly {$25.00} to use this card or spend less and then leave money on the card that I will not be able to get off of the card unless I then spend that exact amount? She said yes. I stated that credit cards do not work that way. I own a business, I take credit cards and I can apply an amount to a card and then get a separate form of payment. She again said that the cards do not allow to " split the payment '' I replied then don't tell me it works like a credit card because you can split a payment with a credit card. I then asked her to tell me where it disclosed to consumers either on the gift card jacket or on the website that payments can not be split and that it has to be used for the exact amount or under the value of the card. She states that is says it has to be run like a credit card. I repeated my questions because that was not an answer. She did not have an answer. I asked her if she realized that these cards do not work like a gift card or a credit card and people can not get their money off of it in the way that is implied by calling it a " gift card ''. I asked her if she realized that this is a nationwide problem with people using these cards and she got very quiet and said yes. I then thanked her for her time and ended the call.