23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phoenix financial services is claiming I owe XXXX on XX/XX/XXXX from the statement I received via mail ... stated would settle for XXXX Received another statement via mail XX/XX/XXXX stating account was XXXX and they would settle for XXXX I looked back and have medical statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all of those statements from XXXX XXXX XXXX say one amount for XXXX and XXXX. That equals a total of XXXX. 

So now I look back on the 2 statements I received from Phoenix financial and they're stating that one amount is for XXXX and the other for XXXX. Totaling XXXX. I've looked at the original auction numbers, they do match but there is no visit number on these debt collection statements to cross reference with the original ahn statements. And the first Phoenix financial statement said the creditors is " XXXX XXXX XXXX XXXX '' I have never been contacted by this creditor that pheonix financial is claiming. 

Since XX/XX/XXXX I have received 25 missed calls. I've never answered because that resets the debt time clock and no one ever leaves a voicemail. XX/XX/XXXX XXXX missed calls, XX/XX/XXXX XXXX missed call XX/XX/XXXX just once. XX/XX/XXXX XXXX calls, XX/XX/XXXX & XXXX just one call those days. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call XX/XX/XXXX, XXXX, XXXX and XXXX XXXX call per day XX/XX/XXXX XXXX calls, XX/XX/XXXX XXXX call. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call. Not one single voicemail. It's harassment especially since my phone number is on the do not call list
Product: Checking or savings account

Hello I am a XXXX student who attends the University of Wisconsin-XXXX. I had received an email from my school email about a company called XXXX XXXX XXXX who was offering $ 100- {$130.00} a week for reviewing products. Because my school is a research university I had thought that this was normal, and just another research project. I went back to my parents house after the covid-19 situation in XXXX, WI. They sent me a check in the mail for {$XXXX} and told me to mobile deposit this ( XX/XX/XXXX ). I mobile deposited this check with Chase bank. I received both texts from " XXXX XXXX '' and emails from " XXXX XXXX '' who were apparently working together. After I deposited the check, they asked my to confirm that the check had been confirmed and processed by my bank. Then they asked me to make a XXXX payment of {$1500.00} ( XX/XX/XXXX ) to someone name XXXX XXXX. ( XXXX ) so that he could buy some I-95 masks that were supposed to be sent to me to review and distribute. Later they sent me a text that the payment had been canceled. I called Chase bank and asked them if the payment had been canceled, but they said it hadn't been canceled and that I would have received an email from either Chase or XXXX saying that the payment was canceled if it actually had been canceled. My bank account transactions also showed that the {$XXXX} payment did go through. That's when I realized that this was a scam and I both emailed and texted that I was done with the job. This morning ( XX/XX/XXXX ) I recieved an email saying that my account had been overdrawn and when I checked my account I saw a XXXX deduction putting my account balance in the negatives. This shows that this was a fraudulent check. I tried calling chase bank twice and both times after being put on hold for over 2 hours total, I was told that they couldn't do anything since the payment was made through XXXX. I tried calling XXXX, but XXXX said that if the payment was made through the bank 's website that only the bank can deal with it. Please help me, I want the {$XXXX} that was taken from me but it seems like no one cares and no one is helping.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2300.00}
Product: Money transfer, virtual currency, or money service

Please investigate Skrill USA , Inc. ( XXXX XXXX ) If you see on XXXX XXXX  reviews, Skrill have been restricting everyone 's accounts so everyone is not able to withdraw their money back, myself included. I have {$400.00} stuck. 

Customer service is non existent via messaging, email and phone. Please shut them down.
Product: Debt collection

XXXX XXXX XXXX after few attempts to collect the debt sold my account for pennies of the dollars to Midlan Credit Management Inc with a balance of XXXX ( my debt is with XXXX XXXX XXXX. Not with Midlan credit ( never signed any legal document with XXXX XXXX management now the want to make profit which i think is a reap off to working people .They are even pursuing legal action against me .Even tho you decided to pay the debt will stay in your credits records for up to 7 years.
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 Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Genesis Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt Due to Identity Theft Dear, Genesis Credit Management LLC I am writing to formally dispute the debt associated with my account [ Account Number ], which I believe has resulted from identity theft. As a victim of this crime, I am deeply concerned about the impact this debt is having on my ability to secure a mortgage for my familys new home. 

Since the XXXX and XXXXXXXX XXXX XXXX, my residence has been severely affected by flooding, leaving me unable to live in my own home. With XXXX feet of XXXX XXXX my property, I am left with no choice but to purchase another house. However, the derogatory remark reflected on my credit report due to this fraudulent debt is an unfair practice that is hindering my ability to move forward. 

According to consumer laws, specifically 15 U.S.C. 1635 ( Consumer Credit Protection Act ), 15 U.S.C. 1681 ( Fair Credit Reporting Act ), and 15 U.S.C. 1681h ( Dispute Procedures ). 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the Fair Credit Reporting Act. 

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

I am reaching out as I have before since I have not got any resolution in regards to inaccurate information reporting to my credit bureaus for Trans Union. I am not going to reach out to the creditors directly due to each credit bureaus reporting the information. I need the below inquires removed immediately off all of my credit bureaus or provide me with proof an application or document that shows I applied for credit. This needs to be removed immediately per FCRA if inaccurate information is reporting the credit bureaus have to correct and remove inaccurate information. All of these applications are fraud I have a fraud alert on my credit bureaus an no one has contacted me when extending or someone applying for credit My name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Transunion : XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX 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: Debt collection

I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I shall list a few of the problems with this account. This is a formal request a block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, 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 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Firstly California Statute of Limitations is 4 years for Collection of Debt on Account is 4 yrs. ( book and stated accounts ) Civ. Proc. 4 yrs. ( book and stated accounts ) Civ. Proc. 337
Product: Credit reporting, credit repair services, or other personal consumer reports

i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of 2 two credit cards paid in full with a XXXX  balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( s ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my Common Law Copyright, Notice of demand, UCC financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein XXXX  was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called XXXX  XXXX saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via Experian and they were basically useless. Here is what Experian sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to initiate a dispute in reference to an ongoing matter-reaged account listed on my Equifax report. I was unable to submit request via Equifax online or subsequently with a live Equifax representative in the dispute department even after going though a validation of existing credit lines on my report. 

Equifax continues to be difficult to deal with. XXXX XXXX has erroneously, validated a debt that should have fallen off my credit report. To illustrate my concern, XXXX XXXX was formerly known as XXXX XXXX XXXX who was formally known as XXXX XXXX XXXX. I took out a mortgage, XX/XX/XXXX with XXXX XXXX XXXX. As mentioned, XXXX XXXX become XXXX XXXX XXXX  and here is where the problems began. I filed Chapter XXXX Bankruptcy in XX/XX/XXXX- my mortgage with XXXX XXXX was included. I never made mortgage payments throughout XX/XX/XXXX and XX/XX/XXXX-see attachment because I was seeking a modification under HAMP. XXXX XXXX XXXX became XXXX XXXX, they reported mortgage lates for XX/XX/XXXX only when in fact the mortgage was not paid in XX/XX/XXXX-see attachment. In short, not only did Equifax validate on a prior occasion erroneous information ; they also prevented me from entering in the dispute today when speaking to a representative who validated my information via identity challenge questions. Going further, three mortgage entries are currently on my Equifax report- XXXX ( formerly XXXX XXXX XXXX ) ; XXXX who the mortgage was transferred/sold to and XXXX the final servicer of the loan in question. AS mentioned, the loan originated in XX/XX/XXXX- this is same loan being reported correctly by XXXX and XXXX and reaged and erroneous by XXXX XXXX XXXX I am distressed that Equifax and XXXX XXXX XXXX Bank have gotten away with reaging an account that has resulted in costing me hundreds of dollars in extra interest over the years.
Product: Credit card or prepaid card

To whom it may concern, RE : Chase XXXX Credit Card It is unfortunate that as a victim of theft, I had to collect supporting documents to prove the purchases made were not me. With XXXX years as a XXXX XXXX XXXX, I have never seen a company ask a victim to solve their own case. 

I have completed a complaint with the United States Postal Police. The report is attached. I also included the Chase statement that reflects the charges. On XX/XX/2021, two charges were made. One in the state of New York and the other in the state of Maryland. On XX/XX/2021, two charges were also made. One made in the state New Jersey and the other in the state of New York. I am not sure how one can be in two states at the same time.

I did attempt to obtain information such as one charge to XXXX. I was informed that they can not disclose any information as the actual victim would be Chase. Chase would need to request any video showing who made the charges on the date shown. The other locations, based on XXXX search was a vending machine, a cigarette/vape mart and the food chain XXXX. 

I have also included my XXXX XXXX statement reflecting the charge of the XXXX XXXX in Delaware from XX/XX/2021 thru XX/XX/2021. This will show I was nowhere near the locations of the charges. 

I applied for the XXXX Chase card prior to my trip to Delaware so I may charge the room and have points for future XXXX stays. Since the card did not arrive, I used my XXXX XXXX card. Attached is the emailed receipt upon check out. 

Since this incident, I have cancelled all my Chase Credit cards and closed a checking account I had opened during the same time. 

I am incurring late charges and have seem my immaculate credit drop.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Due to overdraft, my primary account was closed. I am filing a complaint because prior to closing my account, I spoke with customer service regarding the timing of when my account would be closed due to the duration of the negative balance. I was told that as long as I was making active deposits to reduce and resolve the negative balance, my account would remain open. Bank of America closed my account. Now, Bank America is debiting my secondary active account when direct deposits are made to resolve the balance. I did not authorize this, I was not informed this would take place with the account that remains open. I have had several forms of deposits into my account, Bank of America only debits from my employers direct deposit. I have asked several times upon account closure to escalate as the information given to me was not accurate and Bank of America continues to debit my direct deposit in which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to all 3 credit bureaus on the phone back in XXXX to ask them procedures for fraudulent items on my credit reports. They all told me to submit a dispute letter, statement, IdentityTheft.gov report, ID, social security card, and a utility bill proving my identity and address which I did back in XXXX. XXXX and XXXX removed these fraudulent items but TRANSUNION has not responded or removed them. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$1700.00} XX/XX/XXXX XXXX Balance Owed : {$1800.00} XX/XX/XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019
Product: Checking or savings account

On XX/XX/XXXX I went into XXXX XXXX XXXX in hopes of setting up a new bank account with my husband. I was notified by the remember, I was speaking with that I was not able to do this due to the amount of money I owed to global credit union. I was not aware I owed any money to global credit Union so I immediately made a phone call over to their office. I was speaking with a male who told me that my account, had a negative balance of around {$1300.00} due to XXXX checks being deposited back in XX/XX/XXXX. I asked if there was anything to dispute this the only thing he could tell me was that this was XXXX XXXXXXXX not global. He said there might not be anything global can do as a company because its been over XXXX months. He told me he would put together a debt validation packet so I can get this disputed, I have never received that. I called the office XXXX weeks later in hopes to get this packet. I spoke to another team member And was told she was going to push this higher up in hopes to get this resolved. A few weeks after this, I received a phone call from XXXX XXXX, manager for the collections department Who told me she was working on it and getting together all the documents she needs to be able to dispute this. XXXX weeks later I got another phone call from her on XX/XX/XXXX she explained to me the situation on how XXXX checks were deposited the same day the first one being a remote deposit in pending status the second one being me going into the office, speaking to a teller, depositing the check in person. I asked her why the teller didnt tell me that there was A remote deposit and why he continued to follow through with the in branch deposit and she had no answers for me. I asked her why I didnt have the overdraft protection on my account as well and she told me it couldve been a fee structure change between XXXX  XXXX XXXX and global so she wasnt really able to give me any more information.
Product: Mortgage

Several weeks ago I requested to shop for rates to refinance our house with Better.com. In this process I did not feel I had applied for any loan product but indicated that I was just shopping. I received the rates, which I felt were not competitive and decided to no move forward. Since then I have received several email and text messages pressuring me into moving forward. I have responded to them all telling them I am not interested. The email subject is " A warning about your loan application. '' I do not believe I have applied for a loan. If I did, I have not signed a Good Faith Estimate or been presented with an intend to proceed. Saying a warning about your loan application is very misleading to consumers. I have responded to their email through the provided link, but they will not stop.