23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my third attempt to get some verifiable information that this debt belongs to me. I have previously disputed this debt as fraudulent as I have no knowledge of this account. 

When request verification BULLCITY claims to be sending the verification documents to the address on file of the debt however they know I will never receive those documents because I have never lived at the address for which said debt is being claimed.

BULLCITY is able to send the debt verification documents requested to the return address on the handwritten dispute I sent multiple times however they have failed to deliver me documents that verify this debt legally belongs to me. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILES FOR FRAUD AND INACCURACIES.

BULLCITY has over the course of many dispute requesting for verification of the debt because it is fraudulent and or does not belong to me however continue to reage this account knowingly reporting inaccurirs. I have never admitted that this debt is mine and have only asked for verification proving the debt belongs to my yet BULLCITY continues to change the date of last activity reaching the account even tho it is fraudulent. I am In BULLCITY a response they stated that I could file a police report to have the item removed however filing a police report is not an option because I do not have enough information on the debt or who could have possibly committed the fraud. However I spoke with a credit agency representative who said a second option would be to file a claim with CFPB. I am running out of options as this is stopping me from opportunities that could enhance my life. 

Delete this account for it is fraud.and provide your verification documents used to determine the debt is mine via your response to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three credit reports XXXX, transition, XXXX   shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.
Product: Debt collection

Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been contacted numerous times from mediation, collections for VIP Loans saying I will be sued, they will be delivering summons for court, etc. I have asked for written proof of this debt from XXXX  ( Texas ) which they say they have sent several times but I have never received it. They start hollering at me, talking over me, telling me I just dont want to pay my bills. I know this is past the statue of limitations here in Texas but they call my husbands business leaving a message and when I repeatedly ask them to not call me on that number she starts hollering and saying they can contact me on whatever number they have for me.
Product: Checking or savings account

I bank with USBank. On XX/XX/XXXX, I fell for a XXXX scam. I received the usual fraud text from usbank and missed calls from the usbank XXXX number. I did answer and they were very professional and identified themselves as usbank and I had no reason to not believe them since they were calling from usbank. They had me verify the last 4 of my ssn and dob- just like usbank and told me they would help reverse the fraud charge. They sent me a code to put into the XXXX app through the usbank app which was actually a phone number, and I inadvertently sent XXXX to a scammer. I immediately filed a dispute and that was denied on XX/XX/XXXX. I called again and reopened the dispute on XX/XX/XXXX, only to have it denied again on XXXX. On XXXX, I opened the XXXX app to look at that transaction. Usbank immediately locked my online account and shut off any access and closed my debit card. XXXX with the efraud dept called me and spoke horribly to meshe kept asking me what I was trying to do in the app and asking why I would send more money to a number that they had flagged as fraud. I finally asked her if she thought I was part of the scam and her answer was I dont know what you do with your life. She told me to drive to my nearest branch ( 45 min away ) and have them call her. She then proceeded to speak horribly about me to the banker that was working. They escalated to the local branch manager. She called me and assured me a return call that day. She didnt return my call until the next Wednesdayall while my account was blocked. Her name is XXXX XXXX in XXXX XXXX, IA. When I finally spoke to her she said the only way for me to gain access to my banking would be for me to close that account and open a new account. But I have several bill pay items that go out each Friday and they say there is no way to stop them from going out. The only option is to close my account and acquire the fees from the many companies that my payments go to. So not only am I out the original {$940.00}, countless hours on the phone, a 45 min drive to a branch, now I will be out the many fees from sending out bill pays on a closed account. Not to mention the way I was treated by usbank from the start of the scam. I was never treated like the victim that I am, but in turn treated as the scammer. Its very frustrating to not be the one doing something wrong, yet being punished for it. Usbank knows the financial institution that the money was sent to. I know the phone number that it was sent to and a first name of the person. The phone number is still currently working. Yet nothing is being done to pursue anything against this person and/or persons. Please help me!!
Product: Checking or savings account

I had attempted to use my card 4 times Sunday ( XX/XX/year> ) at XXXX to buy food for my dog. It kept declining. So XXXX did it on their end ( customer service ). 

Today on XX/XX/year> around XXXX I received an alert about a reimbursement, from attempting my card several times on Sunday. XXXX informed me it should return no later then Tuesday My balance looked to be now $ XXXX dollars based on the alert I received from Citi bank text alerts. 
I clicked in to see what exact amount was to make sure everything was accurate and the online banking app told me that I needed to put in my updated password. Which I updated on Saturday. They then asked for my pin ( atm ), act #, & my new card #. I was confused, but I complied. Once I put it in, it said it was wrong and after 3 attempts I will be locked out indefinitely. So I attempted twice and called the number after the second fail that was displayed above. 

I spoke to a woman who asked for all my information but then told me I wont receive a reason why until I get a letter in the mail within 30-60 business days. Unfortunately thats all I can tell you. I asked what about the money I have in there, I need to buy groceries and pay rent? She claimed that there was nothing else she could do and that Ill need to come up to the bank to receive my check of whats left in my account. I told her I dont know whats all in my account. How can I be sure youd all give me back my things also why are you even blocking my account. This doesnt make sense?? She said again thats all she can say. I told her I want to speak to a manager. She gave me to a supervisor who in fact kept apologizing but gave no solution and said a letter will be received with 5-7. I said she told me 30-60 and I live in Ohio now XXXX I was in XXXX XXXX XXXX XXXXXXXX. There is no Citi bank here. He then said that then Id have to wait 30-60 business days to receive a check in the mail. 

There was no clear indication to why everything went the way it did, I have no money for home essentials and lively hood and I dont trust that the bank will give me all my money. Everything sounds fishy and unsecured. And Im not happy and broke. I told them what if this was my last?
Product: Checking or savings account

XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Reference XXXX Subject : Unauthorized transactions in the about of {$200.00} and {$100.00} within XXXX minutes apart of each other. 

Important note : If you need me to file a police report I can do that. I would like to press charges against the person with $ XXXX low down XXXX ( $ XXXX ). How can the XXXX Police get in contact with you to obtain more information so they can located/charge this person as an accessory to a crime. 

Question XXXX XXXX XXXX | $ XXXX | XXXX | XXXX Question XXXX {$200.00} to low down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX | {$100.00} to Low Down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX Question XXXX I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down with out my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 
I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 
Question XXXX No Question XXXX XXXX XXXX XXXX Stylus Question XXXX XXXX, Illinois Question 7 No, I did not. 
Question 8 I do not think I had setup. I was not aware that I could setup a pin for performing transactions. I will definitely be setting this up ASAP. 
Question 9 & 10 Yes, I have possession of my device but a so called associate had used my phone when I closed with out my knowledge and permission to steal money by sending it to someone they know. 
I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down without my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 


Important Note : I am an XXXX XXXX Veteran I have no reason to lie about this. I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 


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

XX/XX/2017 i was hit with a 30-59 late payment on my barclays credit card due to a yearly fee that i was unaware about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to get my reports. I asked me to select which reports I wanted. I selected XXXX and Equifax. I was able to see my XXXX report and print it however it did not give the opportunity to see the Equifax report. I attempted to submit it again and it gave me an error message.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and to request an immediate investigation into the fraudulent activities associated with my personal information, SSN. The accounts listed in the affidavit are fraudulent. I have not authorized these derogatory and erroneous accounts, which are the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My personal information has been exploited by a scammer for financial gain. I am seeking your assistance in conducting a thorough investigation and taking prompt action to rectify this matter. Upon discovering the unauthorized activity and receiving related mail, I took immediate steps to protect my credit files and identity to prevent further damage. The FTC Identity Theft Report is the primary document that I have for the fraudulent information on my credit reports. I Will be Going Legal.

Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to aid in the investigation of the identity theft. I need to know how the credit reporting bureau verified my identity in this instance. I am requesting copies of the original ( wet ink ) signature applications and any proof used to verify my identity. I have repeatedly explained that I did NOT authorize nor am I responsible for this derogatory, erroneous accounts : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$16000.00} : Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} : Date Opened : XXXX XXXX, XXXX The accounts were opened without my consent, I have never authorized any agreements. The presence of the fraudulent accounts on my credit report is unacceptable. I am concerned about the negative impact the unauthorized account has had on my credit report and overall financial standing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the following accounts in question : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX . DEPT OF EDUCATION/XXXX XXXXXXXX and DEPT OF EDUCATIONXXXX XXXXXXXX XXXX
Product: Mortgage

For the second time, I have filed partial release documents with Roundpoint Mortgage and they will not file my partial release. I filed for the paperwork the second time on XX/XX/2021 amd it has been almost a month without Roundpoint even starting the partial release process. 
I did not hear back after I filed the paperwork until XX/XX/2021 ; over two weeks. I was told by my customer advocate specialist XXXX XXXX that she had no updates for me. 
It has now been over a week from that email amd I have still heard nothing and the process has not even started. 
I have waited a reasonable amount of time. This is ridiculous. Roundpoint Mortgage is a negligent incompetent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting,. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian these companies 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 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is currently in violation by reporting late payments on my consumer report The national emergency for the XXXX  XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. Capital One never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for Capital One. The law supercedes them and I never gave them authorization to report anything to my consumer report.
Product: Debt collection

Convergent Outsourcing, Inc. is a collection agency based out of XXXX, Washington. I have received multiple letters from Convergent whos creditor is XXXX XXXX XXXX XXXX The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XXXX. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used XXXX. I do not have a XXXX account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted Convergent to resolve this matter however, I have not been successful. I respectfully request that an inquiry into Convergent be launched and any collection proceeding against me be stopped immediately.
Product: Debt collection

My credit report has been placed for identity theft and frozen long time ago. My credit report info was on the XXXX web and is still trying to remove transactions that are not mine. They keep calling my number about an account I do not owe or own!! They will not stop calling after, I told them to stop calling or I will have to sue them for phone stalking and lying about their identity. I found what their real company name was on the internet using their phone number ( XXXX ) XXXX. I do not have any paperwork from them stating I owe anything, and they are not on my report. They told me it was student loan debts, and I was behind. My loans are in default since XXXX and never late. Please have this company to stop bothering me and delete whatever debt they are trying to collect from the on the behalf of another company that sold them a XXXX on a XXXX  contract they believe is mine without sufficient evidence. like I said my reports are frozen and I can't see them online. So, if they did put something on there have them to delete it. 

Credence Call dates/ Times XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some arr, XXXX on all three credit bureaus XXXX  and XXXX  and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.