23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rev Now is a debt collector for XXXX XXXX. I have documentation that they called me over 100 times within a month. In addition, they place three calls within an hour from different representatives. We have partnered with XXXX XXXX to help us through our financial hardship and relief.
Product: Credit reporting or other personal consumer reports

Trying to purchase a home realizing I have damages on my credit report XXXX XXXX XXXX. Is a collection agency. The original company sold my debt which is now in collections and this company is reporting late payments every month and there not the original owners of the debt can be a collection agency and still reporting late payments this is defamation to my character. 15 usc 1681 law please help
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Mortgage

RoundPoint Mortgage bought my loan in XXXX of XXXX, it was previously with XXXX. XXXX had been on Auto Draft for several years until they sold the note. In XXXX I was made aware that the account had been sold and in XXXX of XXXX I started making payments on the XXXX. In XXXX of XXXX I noticed that that RoundPoint had dinged my credit as being over 30 days late. The are claimed that the XXXX Payment that I had made made on the XXXX was applied to the XXXX Payment, although per my records I have already paid XXXX to XXXX. Upon review XXXX did return my last payment via ACH but I did not notice this until XXXX when I was investigating the issue on my Credit Report. Since XXXX I have made timely payments every month to RoundPoint both before and after they reported negatively on my Credit. I have attempted to work with RoundPoint for 6 months to attempt to get this resolved.
Product: Mortgage

On XX/XX/2019, a bill pay, payment was sent from our bank in the amount of {$1400.00}. As of today, the mortgage company, PennyMac, claims they have not received payment and have not located the payment. Our bank has faxed all of the information to the mortgage company to track the funds. The mortgage company claims their research department is working on the matter, but it has not been resolved. This same information for the payment was used in 2 other payment transactions successfully in XXXX and XXXX of 2019.
Product: Payday loan, title loan, personal loan, or advance loan

Titlemax I had this title loan since XXXX and this loan after 7 year has not been paid the fee they charge are ridiculous no one can ever repay these loan..they have repo my XXXX XXXX excursion I need compensation for that vehicle as well as my title back from the other 2 car I have XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment was done in error, however, they now say that they can't correct it because it is XXXX years old. I spoke with them in XX/XX/year> and was told it would be removed. XXXX XXXX years later it is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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: Debt collection

This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded. This company has also illegally reported false information to the credit reporting agencies & are in multiple violations of the FCRA & FDCPA.
Product: Money transfer, virtual currency, or money service

There's a new way these days by which scammers can scam you off your money. First you'll complete a deal. There will be no issue in it and you'll think ahhh thankgod it was a successful deal BUT YOU ARE WRONG.Once you sell your product and money gets deposited in your account, now the scammer is going to contact that bank and file an appeal saying it was an illegal payment ( APPARENTLY THEY FOUND A GLITCH IN THE BANKING SYSTEM WHICH ALLOWS THEM TO DISPUTE THE PAYMENT ) And now my friend my stupid bank without listening to my side of the debate block My account ..... The bank asked me for proof, I sent everything to the bank and they closed my account and told me that now I owe them because they took the money and my account is in the negative. I've been doing this for 6 months now. I went to the police And every time they are telling me that if the bank has to give me my money it is for a total of {$34000.00}...

.UCC Article 4A : In the U.S. , under the Uniform Commercial Code ( UCC ) Article 4A, wire transfers are generally final unless fraud or error is proven. If the recipient is not complicit in fraud, they are protected from having funds arbitrarily reversed.

The bank did not respect my rights and I can file a legal complaint for that .....
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX  XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

Someone opened a loan with my SSN and information with a company Ive never heard of.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and Experian has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Product: Credit card or prepaid card

I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.
Product: Mortgage

I lost 2 jobs due to Covid and I have tried calling SLS loan services, but I always get the run around. I want to apply for a Covid forbearance ; my loan is backed by XXXX XXXX. I have never been approved and they always tell me that I have to keep waiting. 

Today I called again, I was told they would put in a request to see if I can get approved, but will not give me any proof that they put in the request this time. I can not log into my account to place the application due to the fact that I am on chapter XXXX and they will not allow me to view my account online unless I cancel my chapter XXXX plan. I will not be doing that. Please see the information below found on the XXXX  site. 

If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus ( COVID-19 ) and your mortgage is owned by XXXX XXXX, contact your loan servicer ( the company listed on your mortgage statement ) right away to discuss your options. 

Whether youre facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, XXXX XXXX is working to ensure you are protected. In fact, the company has directed your loan servicer to provide mortgage relief options that include : Ensuring payment relief by providing forbearance for up to 12 months Waiving assessments of penalties or late fees Halting all foreclosure actions and evictions of borrowers living in homes owned by the company until at least XX/XX/2020 Offering loan modification options to provide mortgage payment relief or keep those payments the same after the forbearance period Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an UPDATE of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax and XXXX credit report : Account name : XXXX XXXX XXXXXXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting or other personal consumer reports

There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and so forth
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX Credit Card Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
Product: Prepaid card

I am writing to seek assistance in a matter concerning a XXXX XXXX XXXX XXXX  that I purchased with a value of {$500.00} from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, on XX/XX/, at XXXX XXXX  The card number indicated on my receipt is XXXX Immediately upon purchase, the card was activated. Regrettably, the following day, I realized that the card was lost, and despite my efforts, I have been unable to locate or recover it. In light of this, I promptly contacted the helpline at XXXX, which is listed on another gift card of the same type, to request a replacement card. 

However, I encountered difficulty during my attempts to secure a replacement card, as my request was denied each time I contacted the provided phone number. The denial was based on my inability to provide the card number. I wish to bring to your attention that I possess the original purchase receipt for the gift card, which clearly displays the card number. Unfortunately, the agent I spoke to over the phone was unable to recognize this card number. Additionally, I have in my possession the credit card used for the initial purchase of the gift card, providing further proof of the transaction.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My personally identifiable information was breached intentionally when USAA ( United Services Automobile Association ) acted in an unfair, deceptive or unlawful way to obtain information regarding my husband who passed in XX/XX/XXXX. Specifically, XX/XX/XXXX, I received an unsolicited, short " generic form '' letter from USAA Survivor Relations Team offering " premature '' condolences ( I didn't contact them whatsoever ), for additional services they offered ; executors, trustees, etc. This is a shocking revelation from an insurance company I only have auto/homeowners insurance with. Deeply troubled by USAA 's heartless, deceptive invasion of my privacy, I contacted USAA Survivor Relations Team to speak with the originator of the letter : " XXXX XXXX '' only to be transferred to " XXXX '' ( call center ) who informed me that in tandem with the Social Security Office they were contacted by SSA as a courtesy to inform USAA my husband died? That when a spouse or family member dies USAA works with the Social Security Office who shares software data with USAA to report the deaths of loved ones. I informed them that this was an invasion of my privacy and very insulting, unlawful and just a underhanded scheme by USAA to " upsell '' estate products, ( says it in the letter ) At no time did I contact USAA to disclose my husband 's passing. For what reason? I'm the military member, not him, and I'm still handling details of his death which has prevented me from notifying pertinent people or companies who have a need to know! After attempting to explain to someone ( call center ) " XXXX '' who could care less about a devastated, " grieving widow '' who needs no reminders after several months of trying to move forward, I realized that this was plain " FRAUD. '' In addition, USAA supervisor, " XXXX XXXX '' confirmed that she and other USAA employees have access to the Social Security website for the purpose of data sharing of passed USAA members to send out survivor letters? I find this practice disgusting, reprehensible and fraudulent, all in the name of " upselling '' USAA products. I feel that if a relationship between USAA and Social Security does exist for this purpose, then both needs to be investigated for transparency procedures and FRAUD!!!
Product: Money transfer, virtual currency, or money service

I received a scam call about a transfer through remitly, however, remitly didn't do anything about cancelling the transfer while it wqs still in process and the money was sent. There is usually a delay until the money is sent to the account, usually of one day, but it was almost instant now.