23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account name : XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> DEPT OF ED XX/XX/year>
Product: Debt collection

I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of 2023 I made a payment to the credit card for XXXX XXXX 2023 due date. In XXXX of 2023 I went to make my payment for XX/XX/2023 n I was told I didnt make XXXX payment. I informed them that I did make the payment. They told me that I made the payment late. I informed them that I had made the payment 3 weeks in advanced n have never paid late. I was informed it was a revolving credit and that I was late. I informed them that if that was the case I would have been paying late for years. They refused to acknowledge that they are wrong. And now my payment went from {$320.00} to {$640.00} a month.
Product: Credit card or prepaid card

I applied for an extension of my credit and Discover unlawfully denying my credit card application for false non-decisive factors.
Product: Credit reporting or other personal consumer reports

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Not sure what to call this company in the complaint. I do like the company but I am in a stand still. I have opened the checking account with them since I already took the loan and have the investment account with them. I have never received my card in the mail because I can not reach them after submitting the information they asked for to make the change. I submitted my new drivers license picture as asked on the for to change address. I have also been asking them to change my phone number to the new number that I have without changing the number I am unable to do anything as in transfer money or anything because it always says they sent a verification text to my old number. I have tried calling 10 times never once got anyone on the phone I did the emails many of times got no response I did talk to someone on the live chat while promised it would be changed by end of day that was a week ago. I did not want to complain but the money struggle is real now and I could sure use some of the money I have in that account before I start to miss bills. I was also saving this money to do my son 's Christmas shopping which now I may be using bill money because he isn't going to suffer because a company doesn't want to allow me access to money that is mine.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend this account : XXXX XXXX
Product: Debt collection

XXXX XXXX has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have still harassed me via calls and emails, and report to my credit profile. 
My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : XXXX XXXXThe original contract or agreementXXXX  between myself and the original creditor that establishes the debt. XXXX XXXXA copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. XXXX. XXXXA complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. XXXXXXXX XXXXAny judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and have harassed me via email and phone, which is a CLEAR violation of my consumer rights, per the Federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/2015 2015
Product: Credit reporting, credit repair services, 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 1692 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

Also your company only has a license to collect debt in 11 states. Those states are : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Product: Checking or savings account

My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account. 
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES. 

I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds. 

In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES. 

Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO. 

So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care. 

I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to. 

See you in XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

been with discover 20 plus years good customer i have no doubt they will respond with a script. they have putnotes on all my accounts essentially disbaling me from getting any help on any of them or interest refunds. Racial profiling of sorts. i will not put up with it. i tried to see if apayment was scheduled on XXXX and to handle the ending offer. so i can avoid interest. i called at XXXX friday XX/XX/XXXX was told to be transferred to XXXX that i could get no help in CS cust service. that is not a way to treat anyone. i cant do business here, wont. but i certainly wont go without knowing if a payment is scheduled or how i can avoid itnerest next weeki will not put up with this. will not. i have no answers. but am being discimrinated against. no customer should have to only deal with one person for issues. not sure who why or when people put notes on my accounts i want them. asap. i was told by one supervisor he would remove them but they are there. so i am done with disocver and just want to know how i can avoid itnerest on XXXX and if a payment was shceduled if i get a late response i will pay nothing. how DARE you treat me this way? XXXX XXXX. if you dont like that i ask for interest bar me from using them. this is no way to treat anyone. no other bank has before. In fact i have reported this conduct here.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is listed on my Equifax Credit Report from a collection department has listed this account as open derogatory account with the open date of XX/XX/XXXX. I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. A year before this collection company stated that the account was closed. This Open account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report. On XX/XX/XXXX. I resubmitted again 0n XX/XX/XXXX, XX/XX/XXXX. The amount is XXXX. This account is reporting as an open account while the other bureaus have deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XX/XX/2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Mortgage

Wells Fargo in their responses indicated that it is the duty of the owner to notify the police if illegal occupants are on the property but Wells Fargo and their affiliates utilized the local police to remove the legal occupant XXXX XXXX XXXX from the property and the legal owner notified the insurance company and have yet to be paid for injuries sustained to her personally, professionally or to her property.
Product: Credit card or prepaid card

XX/XX/2020 I called the company to make a payment ... in efforts to avoid repossession of car. 
But they want to charge me a fee to process over the phone. 
I cant afford a regular bank account with a routing number, and they dont give me the option to pay with debit card online unless its over the phone but the obligate me to pay {$6.00} fee I cant afford due to financial crisis and loss of job, due to my XXXX,
Product: Debt collection

Ive noticed multiple accounts on my credit report that I didnt authorize. Requesting these fraudulent entries be removed immediately.
Product: Debt collection

ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. 

Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. 

This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? 

Thank you, -XXXX XXXX XXXX
Product: Credit card or prepaid card

I was denied of getting a credit line increase few times due to too many inquiries and high balances on my credit card account and I contacted capital one to see if they can do a hard inquiry on my credit report which they refused and I had this account open in three months with good payment history and no past due and my credit rating with XXXX  is good as of XXXX XXXX and when I did a credit limit increase capital one did a soft inquiry instead and used a XXXX XXXX credit report and I was denied but all the inquires were removed off my credit report last week of XX/XX/2020 and I was so upset that the supervisor wasted my time and didnt provided me contact information so I can email the corporate office to show them my credit report my updated one ... where I dont have any inquires on it and Im still stuck with {$300.00} credit limit for months
Product: Mortgage

My home loan was originally with XXXX XXXX. We had just agreed on a forbearance plan that was to start XXXX due to hardship. On XXXX, my loan was transferred over to Bayview Loan Servicing LLC. They are refusing to honor my forbearance plan. I have included the documentation showing the transfer and the forbearance plan that was accepted with XXXX XXXX. 
Spoke to XXXX ( ID # XXXX ) at Bayview Loan Servicing ( BLS ) and he stated that he is trained to say that they can only honor it if it is a fully executed completed loan modification and nothing else. 
Transferred to XXXX ( ID # XXXX ) Escalation dept and she stated the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have not released any of my medical information to any 3rd parties this is illegal under HIPAA rights
Product: Debt collection

OnXX/XX/XXXX 2017 I received a call from Admin Recovery LLC. During the call the representative was being abusive, threatening, and unfair. I then spoke with the manager at this company on a different call within 5 minutes of ending the call with the first representative, the manager did not verify my identity and a third party was informed of my personal information. The manager was also abusive and called me a liar without getting proper information to see if I was being truthful or not ; which I was being truthful. Admin Recovery is a rude collection agency. The amount owed to the company is around {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXDISCHARGED ACCOUNT # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to request your assistance in addressing several inaccuracies on my credit report that require correction under the Fair Credit Reporting Act ( FCRA ). After a recent review, I have identified the following issues that need attention : Inaccurate accounts Incorrect addresses Unauthorized inquiries Billing inaccuracies I would greatly appreciate your help in resolving these matters and ensuring the accuracy of my credit report. Thank you for your prompt attention to this issue.
Product: Debt collection

My uncle had a little house is XXXX Washington. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in Alaska and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. XXXX XXXX XXXX XXXX is a predatory lender on XXXX veterans, and Bayview Loan Servicing is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.