23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft from my ex-husband. He opened several accounts without my knowledge or consent. One of the accounts was a XXXX XXXX, Which Cavalry is the debt buyer or collection for the account. I have filed disputes, written letters including documentation including the affidavit, police reports, other documents to prove this was not my account. I have received a letter stating it was because bills were sent to an address I had and never returned. That DOES NOT validate this is my account! I didnt leave a forwarding address as I explained to the collection agency, I was hid in a domestic violence shelter. Going forward Cavalry is the ONLY account left on my report from this ordeal. They completely have ignored my identity theft. I believe its not only against the FTC, FCRA regulations but its illegal too. Cavalry has sent 2 blanket letters to me they say the same exact thing just different dates. One in XXXX after I asked them to remove this account from my report, then another in XXXX after I asked again for them to remove it. Ive attached them to this complaint. They tell me the account is presently placed with a law firm. Why do they continue adding interest charges to the credit report then or why hasnt the law firm contacted me so I can maybe get them to understand and they might do the legal ethical thing and remove the fraudulent account once and for all
Product: Mortgage

When my husband passed away, i notified Union Bank immediately. I updated my address based on the court documents. Within a year, somehow payments that i made where applied different than agreed upon and the house went into default, still don't understand how that happened, but i was not notified. I discovered the default by accident, called the bank and after speaking to 12 people was told that i had 4 days to pay {$12000.00}. I was able to get the money, i saved the house but was never given a full explanation why this happened. I was told a variety of stories from different employees, but the bottom line is they have no idea what happened and they don't care as long as they got their money. Union bank has a lack of communication policy. As long as you have an account with them they decide what to do with your payments and mortgage, regardless of the customers requests, needs or wants. When my husband signed for this loan he was drunk, i notified the everyone involved in the process and nothing was done. I have tried to resolve multiple issues with Union Bank and they continuously give me the run around. 
Last year i made a payment plan for the property taxes and when we were late on a payment, i called the tax collector prior to the payment date and we renegotiated the debt, they notified Union Bank ( because they owned the note ) and Union bank decided to open an escrow account and pay the taxes. I contacted XXXX Treasurer and they said that the notification was just to let them know but when Union Bank contacted them, they told them that our payment arrangements are acceptable and the house was not endanger of a lien. Not to mention we have XXXX % equity, no reason for Union Bank to violate my life and finances. They sent me a bill stating that my mortgage would go up {$1000.00} per month based on the loan and the escrow account. They wanted {$250.00} extra a month to pay the escrow, i told them that this amount was unreasonable and unaffordable. I asked why so much when there's 23 yrs remaining on the loan and the escrow account is {$8200.00}. They told me by law it has to be paid within 5 years ( i can't find this law anywhere ). I requested to pay $ XXXX/month the first year ( {$600.00} ), increase to $ XXXX/month ( XXXX year ) and $ XXXXXXXX/month ( XXXX yr ), this complies and would pay of the debt in the 5 year period but they just keep passing me off and giving me delays, They want to make all the decisions but they own less than XXXX of my house. I have been trying to resolve this for 5 months and the XXXX escrow payment is due XX/XX/XXXX and still no response. No one should be treated like this. Union bank has violated my life and possibly my rights for 7 years now. Most lawyers are afraid to take them on or want millions to do it. 
I am tired of taking this beating from Union Bank and i deserve better. I know the world is not fair, but continuous harassment and privacy violations must be looked into. 

We have owned this house since 1977 and have never worked with a company like Union Bank and hope to never, ever deal with them again in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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

Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.
Product: Credit reporting

Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses Addresses Ive never resided at
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRES Inquiry made by : XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX JEFFERSON CAPITAL SYST account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Checking or savings account

I signed up for a citbank XXXX promotion to receive {$200.00} per their terms once the account was opened, funded, and funds remained in account for a specificed period of time. I funded the account on XX/XX/XXXX and received only {$100.00} of the promised {$200.00} on XX/XX/XXXX. I called citibank to discuss the discrepancy and the customer service member told me that I should have received {$200.00} per the promotion and they would open a dispute to look into it. I received a letter from citibank on XX/XX/XXXX that says they looked into the dispute and I received {$200.00} per the promotion on XX/XX/XXXX. This is not true, as I only received {$100.00} and this is clear based on checking account records. I called again XX/XX/XXXX to discuss and was told that they agree I only received {$100.00} despite what their official letter says, but that I will only be receiving {$100.00} total. This is less than the promotion promised, as well as what I was confirmed on the phone by a representative. I told them that I would be filing a complaint with you and they told me to go ahead.
Product: Debt collection

In XX/XX/XXXX I filed for debt relief, The account at XXXX with a balance or around XXXX was included, After severe attempts by Freedom Debt Relief they refused to work with us. They placed the account as a collection on my report sometime in XXXX, Sued me for over {$9800.00} and before going to court they dismissed the lawsuit. 
I have sent a copy of the court order to the credit companies but they refuse to remove the collection We are attempting to refinance our house and this is causing problems with the new mortgage company, It lowered my credit score to a point where I have to pay XXXX percent more interest because of their collection
Product: Credit card

I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered. 

My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.
Product: Payday loan

I took out a loan for {$260.00} and had to pay back {$700.00} in order to successfully complete the loan. now I can not stop the finance company from contacting me. Sunset finance company has made several House Calls ( meaning sending persons to my home to collect a debt ) I have been in contact with the finance company and also have made agreements to pay they still continue to call and send out workers to my home. The branch manager XXXX XXXX XXXX is very disrespectful and she also demands payments upon speaking with you. She accused me of having a additude and is also very rude to her borrowers if they can not make payments.
Product: Debt collection

I HAVE NO RECOLLECTION OF OWING THIS DEBT. I HAVE ASKED FOR PROVE OF THIS SUPPOSEDLY CALLED DEBT THAT I OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to supply proof of investigation of a fraudulent account XXXX XXXX XXXX, XXXX XXXXXXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Experian on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Experian is required to supply proof and method of their investigation. Experian has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm.Therefore, I'm giving one fine goodwill reach our before suing under section 616 Experian also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Experian has again used another stall tactic in order to circumvent the law. Experian has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial continues to violate my rights as a consumer by refusing to validate an alleged debt that is on my credit file. I first noticed this debt in XX/XX/XXXX. On XX/XX/XXXX I sent GM Financial a letter via Certified Mail requesting they validate this  suspicious debt thats on my credit file. On XX/XX/XXXX I received a letter from GM Financial saying they suspect the account was fraudulently established. The letter also said that I should go to their website and follow the steps needed for them to complete a investigation. I went to www.gmfinancial.com and found absolutely nothing about submitting a claim for investigation. On XX/XX/XXXX I sent them another letter notifying them it is their responsibility as the creditor to validate. I then proceeded to inform them they can validate this alleged debt by sending a contract containing my signature or something to that degree. On XX/XX/XXXX I received a letter from GM Financial requesting that I give them a call. I need GM Financial to send me proper documentation validating this alleged debt via USPS or remove it from my credit history report.
Product: Debt collection

I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to Experian to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to Experian, XXXX, and XXXX.
Product: Debt collection

XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX  whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.

Thank you, XXXX XXXX XXXX XXXX  p.s.

last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX  was inXX/XX/XXXX.
Product: Checking or savings account

I started talking to this lady who said she was a Service Member in the XXXX and she got me thinking that she could make some money with my account, and I transferred her {$3400.00} dollars and then I gave her access cause she said she was going to deposit some money but the check that she deposit were wrong or something but she basically stole my money and I called the bank to cancel the transactions but they didnt help at all
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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
Product: Credit reporting or other personal consumer reports

I do not recognize, nor did I authorize these companies to pull an inquiry of 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
Product: Bank account or service

I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX  XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it XXXX days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Product: Credit reporting or other personal consumer reports

Credit reporting agencies punish consumers both directly and indirectly by lowering credit scores which will potentially impact rates on credit line and and thus the interest and rates consumers end up paying for being fiscally responsible by doing things like, paying off credit cards regularly, not undertaking unnecessary loans, or having enough credit cards. This is an unfair practice which should not be allowed.
Product: Debt collection

this debt is inaccurate incomplete unverifiable. does not have my signature and does not have correct social security number.
Product: Mortgage

I signed up for Automatic payments to be paid with my checking account with Freedom mortgage and gave my banking information and was told I was approved of that payment method. Then I find out that according to Freedom mortgage I was a month behind on several monthly payments. That although my mortgage was being deducted monthly that I was behind a month. My payments were taken out on the XXXX of every month, but they told me they had to report me as being late. I tried resolving this with them, Freedom Mortgage but got nowhere. Then Covid hit and I signed up for forbearance to protect myself. To make this short and brief I was unknowingly put into a class action lawsuit and was awarded a miniscule amount of money they were charging EVERYONE who was either slow or Late. My credit is exceptionally good at XXXX. This mix-up is hurting my score from being higher. I've NEVER not payed my monthly mortgage since I bought this home in XXXX. In fact when Freedom mortgage bought my mortgage from my 1st mortgage company, that 1st company told Freedom I had no homeowners insurance and Freedom mortgage Automatically " signed me up for homeowners insurance that cost me an EXTRA {$500.00} For XX/XX/XXXX and an EXTRA {$500.00} for XX/XX/XXXX. I was out {$1000.00} and couldn't buy XXXX gifts or home heating oil. When I questioned and complained Freedom mortgage didn't care. Needless to say I was put into ANOTHER class action lawsuit against my first mortgage company XXXX XXXX because of " THEIR '' shady practices of screwing homeowners. I'm a 100 % XXXX veteran who is tired of losing money to both FREEDOM MORTGAGE & XXXX XXXX  COMPANIES. ENOUGH IS ENOUGH. I want to be made whole by Freedom mortgage and those 2 so called " LATE '' payments taken OFF my credit report. Please help me resolve this. All it would take is an " HONEST '' and understanding individual to make things FAIR & RIGHT. THANK YOU, SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX. Cell # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent account has violated my rights.. Strates 15 U.S.C. 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states an consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 5 yrs, 11 mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Charge account Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX