23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was UNIFUND. UNIFUND sent XXXX XXXX XXXX my incorrect information and are threatening me with a lawsuit. 

First off, UNIFUND does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now UNIFUND and XXXX XXXX XXXX and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that UNIFUND posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. 

My reputation and financial information were completely violated. 

To make matters worse, when I contacted UNIFUND, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager,  but instead he hung up. 

All the information UNIFUND has pertaining to me is inaccurate as well as this debt. 
XXXX has written off my account and did not reach out to me to pay them any outstanding amount. UNIFUND who is working alongside with XXXX XXXX Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want UNIFUND or XXXX XXXX Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of Lexus Nexus. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against XXXX XXXX XXXX, LexusNexus and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.
Product: Checking or savings account

Subject : Complaint Regarding Mishandling of Fraudulent Activity by Bank of America Date : XX/XX/year> Dispute Amount : {$3800.00} Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I am writing to file a formal complaint against Bank of America regarding their handling of fraudulent activity that severely impacted my financial standing and continues to affect my ability to open accounts or secure financing. 

On XX/XX/year>, as a recent graduate searching for a job, I fell victim to an online phishing scam. A group pretending to be associated with the XXXX company sent me a check for {$3800.00}, instructing me to deposit it into my Bank of America checking account to purchase a computer. After depositing the check, I was told to transfer money via XXXX to a vendor, which I did. Soon after, the {$3800.00} check was withheld, and my account became overdrawn. 

Upon realizing that I had been scammed, I immediately contacted Bank of America to dispute the XXXX payment. I was assured by a Bank of America representative that the payment dispute had been processed. I followed up multiple times, and each time I was told that the dispute was active. At that time, the bank assured me that the payment had been stopped and the dispute was processed. I also had an BOA email screenshoot to prove that Bank of America said the payment to payment was stop. ( I will upload the evidence below ) However, despite these assurances, my account remains overdrawn after a week. Bank of America later closed my account and required me to pay the overdraft caused by this fraudulent activity. This has led to lasting damage to my financial health, as I am now unable to finance a car or open another bank account due to this unresolved issue. 

I am extremely disappointed with how Bank of America handled this situation. First, the bank allowed my account to be overdrawn, even though there were no funds available. Second, despite the representative 's assurances and a confirmation email from Bank of America stating that the payment was stopped and canceled, no action was taken to successfully dispute the fraudulent transaction. Instead, Bank of America closed my account and held me responsible for repaying the overdraft caused by the scam. 

In contrast, after switching to another bank, I experienced better protection from scams and overdrafts. I believe Bank of America failed to properly safeguard my account and failed to follow through on its commitment to dispute the fraudulent charges. 

I respectfully request the CFPB investigate this matter and take the appropriate steps to ensure that I am not held liable for the overdraft resulting from this scam. I also request that my record be cleared so I can move forward financially. 

Thank you for your time and attention. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX, XXXX, and the XXXX of 2018 I received several letters From Portfolio Recovery which, included only a screen shot of bill saying that I owe debt. On XX/XX/2018 a Sworn notarized affidavit of denial was sent to Portfolio Recovery requesting original proof of contract or validation with my signature obligating me to this debt. Since, Portfolio Recovery has continued to attempt collection efforts which is a violation of the Fair Debt Collection Practice Act ( 809 ) ( 1692 ). I have no record of any initial communication that was sent from Portfolio Recovery as they stated.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.
Product: Debt collection

I keep receiving multiple robo calls and voicemails a day from " spoofed '' phone numbers from " Comenity Bank '' See list below to see the XXXX calls made they made to me since XX/XX/23 ( the last XXXX weeks ) Comenity Bank Company Address : XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX. XXXX. XXXX OH XXXX or XXXX I never gave consent for this company to call me. I have NO accounts or debts with this company and NEVER have. 
They are calling to look for a person " XXXX '' who is NOT ME This abusive and harassing calling behavior has negatively affected my work, because I get multiple calls per day. 
I block the numbers used, but they just spoof new numbers every day to call from. 
I have blocked unknown numbers from ringing on my phone, but it's caused me to miss important phone calls from my doctor. I have nearly missed appointments because of my need to block all unknown calls due to Comenity Bank.
Product: Bank account or service

I opened a checking account at 53rd bank and deposited a cashiers check I received for selling some car audio. The check was for {$1900.00}, since I had no idea it was bogus I withdrew {$100.00} and later deposited {$1300.00} in cash. When I asked about the fund availability, it started getting bizarre, talking about almost 2-weeks. This was a new account but I did n't expect such a crazy hold. Well the next thing I know my entire account is on hold and the bank wont even give me the cash back that I deposited! Not only am I out the audio, but I am also going to be late paying my bills, thanks to these heartless XXXX! Like being screwed over by some scam artists were n't enough, now I have no access to my own cash?! I mean seriously ... what the heck kind of people kick other human beings when they 're down!
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I found items that I have never applied for credit.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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

Capital One closed my credit card account on XXXX XXXX XXXX and reported my account as on time in XXXX and XXXX XXXX XXXX, but are saying they closed my account XX/XX/XXXX and said I was XXXX  days late on payments as of XX/XX/XXXX. They are reporting information on a closed account without my permission. Its closed and Im still being charged interest. To resolve this issue, I have paid the remaining balance as of XX/XX/XXXX, but Im requesting all negative remarks be removed from all XXXX credit agencies immediately for incorrect information on my credit report causing my credit to decrease by XXXX points.
Product: Debt collection

I did not authorize consent nor benefited from the following account ( s ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has charged off on my account under false pretenses without my knowledge therefore that is a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Unsolicited text from company ( purporting to be Wells Fargo ) saying my card was used and if not aware to log into a XXXX page with logo of Wells Fargo. I do not have a Wells Fargo account or credit card. This was a fishing expedition to get access to my financial data. 

I am worried that I made a mistake by clicking on the link as they may already have access to my phone data or implanted a virus even though I cleared all cookies. 

Here is text that came to my phone. 

WeIIs Noticed your card was used on ( XX/XX/2021 ) XXXX. 
If you are not aware FoIIow : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently have reviewed a copy of my credit report and noticed Ive had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I initiated a {$10000.00} withdrawal in early XXXX. Nothing happened, so i emailed support. They responded that they have deactivated my account! I have exchanged multiple emails with them and submitted an " appeal '' per their instructions Nothing happens. 

They have my money and I'm beginning to think this has become a fraud. 

I need that money. And they will not respond and return my funds.
Product: Mortgage

XXXX closed on a home with an assumed VA loan. 
XXXX created an online account and scheduled payment for XXXX monthly recurring for mortgage payments. 
Approximately XXXX weeks later app updated and refused to let me have access to the account. 
Called customer service and was informed I would not be able to create an account. Website information does not say assumable loan won't have access to online portal. I called again to ask for further clarification and was told to wait a month. It has been over 2 months since assuming the loan and I do not have access to the online account. 
XXXX phone payment scheduled and deducted from my checking account along with the automated payment that had been previously scheduled. 
XXXX called again and told that no freedom Mortgage assumable loans have online access and this information is not displayed anywhere on their website or communicated ahead of time.
Product: Checking or savings account

They placed a hold on my account and wont let me have access to my funds while they are still charging me a monthly Interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get any credit due to stolen identity medical bills and extremely low scores. I dont iwn or have any of that debit in my name. My credit score was XXXX. Please correct! Strongly XXXX and can not make it. Please help! I paid XXXX XXXX XXXX monthly and I also dispute.all agencies They added more. I need credit ASAP! 

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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : KIKOFF LENDING LLC- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

KIKOFF LENDING LLC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Debt collection

on XX/XX/19, I received a call from a local number stating he was a County Court Clerk server and that I was going to be served. He said it was from XXXX XXXX XXXX on behalf of Ace Cash Express case # XXXX and that I could call them regarding the matter. I called XXXX and spoke to XXXX in the legal dept. He said that I had 2 hours to make a payment of XXXX or I would be served.Said I was mailed information, which I did not receive. I told him I did not get anything. I asked for an extension he said 3 hours. In a panic, I called my family members for help.Called back and spoke to XXXX and asked if I could pay XXXX and make arrangements for the rest. he checked with attny and they agreed. My boyfriend called made pmnt of XXXX conf # XXXX. And XXXX paid by credit crd from My mom. Conf # XXXX. XXXX made me give my bank card # to pay two addl pmnts of XXXX over 2 mos. I called back today and asked for an email confirmation, and asked the names of the attny and license # 's. I know this is not a legal tactic to obtain payment. He was very convincing and I got scared into providing payment and giving him my bank card info. He said I should have received an email and that I will get one today. I called him again to get more information and I kept getting passed around and placed on hold. He said that this was in fact in the legal department but still refuses to give me attorney names. At this point, they have not only my bank card information for future payments, but my boyfriend 's and my Mother 's  credit card information. I called the original debtor Ace Cash Express and the representative confirmed the sale of the loan to XXXX XXXX XXXX and gave me their address. She said that they would not ask XXXX to file a lawsuit on their behalf and that I should contact XXXX to discuss. I believe that they are using unfair practices to collect debts, using threat of lawsuit. The first phone call I received was from XXXX, which is the XXXX County Court phone number. I now know that the court will not call you to tell you that you are going to be served, so clearly XXXX somehow was able to use the court phone number to make this appear to be legitimate. I ask that this company be looked into for using this type of tactic to collect debts.