23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several family members from received phone calls in the past week from XXXX, regarding " active litigation '' against me. They have never attempted to contact me, that I 'm aware of. I called the above number today and gave them my " case number '' which they provided to my family members. Spoke to a paralegal named XXXX XXXX who said her firm, XXXX XXXX XXXX had been hired on a contingency basis, I explained that the old debt that she had mentioned had passed the SOL in Florida. She said that I could sign the papers and let the judge decide. She said that they would serve me at my employer today, and when I tried to make sure they had the correct address, she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.
Product: Debt collection

Oldest message I still have is from XX/XX/XXXX but I remember recieving messages earlier. 
Claim to be collecting a debt for XXXX XXXX and providing several links, they also gave an option to opt out of messages which I have done repeatedly. 
Today XX/XX/XXXX I received a new type of message which seems to be pressuring me to send money Please contact MRS BPO , LLC regarding a matter for your XXXX XXXX account ending in XXXX with a current balance of {$860.00}. MRS is a collection agency. 

You can resolve this account for 60 % off of the current balance which equals {$340.00} through XX/XX/XXXX. We have no obligation to renew this offer. 

Visit our portal : https : //portal.mrsbpo.com. 
Call us by Phone : ( XXXX ) XXXX Text STOP to opt-out of future text messages. 
Important rights and info : mrsbpo.com/disclosures. Note : today as well I called XXXX XXXX customer service and CONFIRMED I do not and have not ever had an account under my name or phone number with them. This is a fraudulent debt.
Product: Debt collection

Company lied and said they mailed me documentation of the debt to address on file over 45 days ago. By law they are supposed to provide that information and never did. When I asked for more information in order to see exactly where the debt is from they did not give it to me. On XX/XX/29 I called to get the information the CFPB said Nelson and Cruz had to provide. They did not provide the information and over talked me! I do not owe this debt and they refuse to provide me the correct information to get this corrected! This is illegal! The person also threatened that he is a paralegal trying to intimidate me. They never sent me anything about this debt before putting it on my credit report and will not provide proof so I can file a report. They wont provide me with information if product was picked up or delivered or a signature showing delivery or pick up. The person over talks and kept putting me on hold. Thats harassment. They supposed to sent me something over a month and didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
Product: Mortgage

I believe that Mr. Cooper is in violation of the Truth in Lending Act. I originally received a mortgage from XXXX XXXX XXXX Bank on XX/XX/2015. My mortgage was first sold to XXXX  then to Mr. Cooper. I have requested from Mr. Cooper for a full account, disclosure and Validation of Debt of my mortgage with them. I contacted them through writing. In turn, Mr. Cooper mailed me copy of my mortgage, and a few printing pages of payments made, escrow and insurance and documents when they took over the loan but not a full account or disclosure per my request. 
I hired an expert XXXX XXXX XXXX, a Mortgage XXXX XXXX. From his report, there appears to be fraud because they are unable to provide the unendorsed Fixed Rate Note and the unassigned Mortgage. I uploaded some of the documents that I received for your review.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/XXXX I called into Chase Credit Card to make a payment on my account ending in XXXX. The bill was a small amount but several months due to Hurricane hitting down south where my brother lives and my mother was staying. My mother subsequently became ill due to the stress of the damage and having to return back home to NJ and I did not pay attention to my bills. The total amount due was originally {$200.00} and the representative offered to remove the late fees so the balance paid was {$120.00}. I asked the representative if all was well with card and she said to wait 24 hours to allow payment to process and all should be fine. She said my available credit was {$20000.00}. I also inquired about my XXXX bonus points and she said I could also start redeeming them after the first 24 hours. This morning I went to XXXX and was declined a {$23.00} charge. I called Chase and they told me card was closed and I no longer have the XXXX points which have a {$550.00} value. So they in essence stole the money. I asked to speak to a supervisor who just said it was policy and had no interest in reviewing notes on my account. I also asked that the recordings of my conversation be pulled to verify my statements. I have been a Chase card holder since XXXX. They need to be held accountable.
Product: Debt collection

Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.
Product: Debt collection

Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.

Please see the following.

( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated.

Mr. XXXX XXXX.
Product: Mortgage

My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY XXXX {$0.00}
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.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.
Product: Mortgage

SN Servicing Corporation is forcing me to add to their name to my XXXX XXXX policy as payee or forcing me to pay an incredibly high insurance for hazard coverage. I already have hazard coverage through both my XXXX XXXX XXXX and my own condo insurance through XXXX XXXX. 

I believe SN Servicing is incentivizing condo homeowners and XXXX to commit insurance fraud by requesting to be illegally added to XXXX XXXX XXXX and deceptively forcing homeowners to pay high insurance fees if they are not added. Their practices are unfair and predatory.
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. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.
Product: Checking or savings account

I submitted a mobile check deposit on XX/XX/year> in the amount of {$1000.00} to my savings account. The following day I received an email stating that the funds availability for the deposit was delayed. Within the email they stated the delay was " due to : We have confidential information indicating the check may not be paid. '' They advised that the funds would now be available XX/XX/year>. On XX/XX/year> I noticed that I was unable to log into the banks website or mobile app. I then contacted Citi Bank via phone using the number on the back of my card, as I have no access to ANY of my accounts, not even the ability to log in to the bank site or app. I was advised to contact the fraud department and was given their number ( XXXX ). Upon contacting them they stated that the check I deposited was under review as it was flagged as fraudulent. Because of this all of my accounts were blocked, not just the pending funds deposited to my savings account, I also can not access my checking account or utilize any funds within my checking account. They initially stated that the investigation could be closed if the issuer of the check spoke with them and verified the checks validity. The check was written by my previous landlords and is a return of my security deposit, both landlords are listed on the check. I reached out to my previous landlords and asked that they call to verify, they did this. I then contacted the fraud department again to see if all was resolved. They stated that the check was still not verified because the maker of the check did not call from the phone number of public record for the account holder. I asked if it should be the number of the other person on the account, they stated that yes, this was the number that they needed to be called from. I then reached back out to my previous landlords and they agreed to contact them with the other account holders phone. I then contacted the fraud department again to see if all was resolved. They again said that the maker of the check did not call from the phone number of public record for the account holder. I then went into a local branch and was essentially told the same thing. That I do not have access to my funds/accounts, it seems that they may have returned my direct deposit from my employer that was to be deposited on XX/XX/year>. When asked directly about the direct deposit they would not provide a clear yes or no as to if it has been returned. I am also unable to close my accounts or regain access to my checking account that is not involved with the mobile check deposit.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I have no idea why. I double-checked my report as usual, but these discrepancies suddenly appeared. I even refreshed my browser thinking it might be a technical glitch, but the issues remained. Im extremely frustrated by this and need the documents I provided to be carefully reviewed so I can stop worrying about this once and for all.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ============================================ 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 adverse item of information, other than records of convictions of crimes which 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I sent the following email to " XXXX '' regarding their card I received. I called their customer service XXXX and could find no way to speak with a person without activating the card, which I did not do. Note the brochure comment about charging me for inactivity, which is exactly what I plan to do, no activity because I do not want their card. 
My name is XXXX. On Friday ( on the email I mistakenly stated Saturday ), XX/XX/2019, I received a Netspend " charge card '' ready for activation, etc. 
I request that you cancel this card immediately. I neither solicited this card, nor do I want this card for any use. 
In your brochure accompanying the card, you state that if I do not register and activate the card, you will begin assessing an inactivity fee. 
I will not activate this unsolicited card nor do I expect any charge for that. 
After I send this email, I will proceed to forward this information to all agencies interested in consumer harassment and abuse.
Product: Debt collection

CIR XXXX HAS SENT ME A INVOICE REPRESENTING XXXX XXXX FOR XXXX I CONTACTED XXXX, XXXX, XXXX, XXXX NONE OF THESES COMPANIES HAVE ANY KNOWLEDGE OF THIS DEBT
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by XXXX XXXX XXXX in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called MRS associates, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got no response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize. XXXX   and XXXX investigated each inquiry on my credit report through them and deleted all inquiries. Experian is breaking FCRA laws by not deleting inquiries that can't show my signature authorizing the inquiry.