23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received spam calls daily for at least a year. Usually only three different people. 

I was firm that I want them to please stop. The person from the fraud scam pressed me for information. He wanted to collect data, specifically my date of birth and the last four digits of my social security number. 

He kept pressing for information, I was fuming. 

I told him my number and to never call me again. I hung up on him after he refused to cooperate. They are evil and persistent, I can only imagine how many people they have cheated! 

The very next day I received several calls. I'm done with these cheats! 

I checked my student loan account and everything is fine. The government extended payment of student loans due to covid.
Product: Credit card or prepaid card

I've contacted American Express Serve on multiple occasions to have a new card mailed to me via expedited service and have not received any cards. I've taken proper measures to ensure thr delivery address was correct. The cards never show up, I continue receiving emails with tracking numbers that aren't able to be tracked. When I contact them they try not to have any recollection of what happened to the cards or the request. On one occasion I had to wait 10 business days to request a new one. The card request dates are XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. At this point I am concerned with the security of the accounts due to were the funds come from.
Product: Credit card or prepaid card

hello. i am not writing this against bank of america. but the dispute that is open they must know I NEVER RECEIVED PRODUCT IT MAY HAVE BEEN STOLEN AND RELATIVE TO CARD ENDING XXXX i told this to XXXX. never received the product not paying it never got it. so the letter i received said wait to hear from us
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a hard inquiry on my credit report for XXXX XXXX  XX/XX/2019 I did not apply for anything through this bank The Bank has nothing with my information in their system therefore there is nothing for them to send me or transunion to support a hard inquiry. 

Transunion indicates that the Bank needs to request the removal of a hard inqury.The bank will not do this because they have NO information on me. 

Transunion will not allow me to dispute this.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I've been trying to dispute wrong late payment information on experian but they keep updating my dispute but my late payment report is still stating the same information I've sent them plenty of times. I did over XXXX dispute action about this including fair act laws. And they are still reporting wrong information on my credit report.
Product: Debt collection

This company is asking for a debt that I had no legal binding contract with them regarding. I am not sure if my alleged debt was sold to them or not, but I have no working knowledge of who this company is or why they've been sold this account OR are making attempts to collect an alleged debt on behalf of another company which whom I never gave access to send, share, or give out any of my personal information. 

Please see below for steps I am willing to take to correct this action ASAP. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX  Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( Experian, XXXX, and XXXX ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} ), XXXX XXXX ( {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, AND EXPERIAN. I have NOT applied for credit with these lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PA ) XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00}
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute the validity of a collection account that has been reported on my credit report. The account in question is listed as : * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX * Amount : {$1000.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am exercising my right to request a thorough investigation into this account. I am disputing this account for the following reasons : XXXX. Lack of Proper Validation : The collection agency has failed to provide verifiable proof that I owe this debt, including a contract bearing my signature or detailed transaction records. Under 15 U.S.C. 1692g ( b ), a debt must be validated upon request. 
XXXX. Inaccurate or Misleading Information : The reported details of this account contain errors, such as incorrect amounts, dates, or account ownership. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or unverifiable information. 
XXXX. Potential Violation of Reporting Guidelines : If this account is outdated, improperly reported, or unverifiable, it must be deleted per 15 U.S.C. 1681c ( a ), which limits the reporting period for collection accounts to XXXX years from the original delinquency date. 
I request that the CFPB investigate this matter and require the collection agency to furnish all necessary documentation to substantiate the claim. If they can not provide verifiable proof, I demand that this account be permanently removed from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 
Enclosed are copies of my credit report, my written dispute to the collection agency, and any relevant correspondence. Please provide a written response outlining your findings and any corrective actions taken. 
Thank you for your time and assistance in resolving this matter. Please contact me at your earliest convenience regarding the status of this dispute. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I made two separate payments of {$30.00} and {$340.00}. I received a message in my credit card account inbox indicating receipt of both payments. As of the due date ( XX/XX/XXXX ), the payments had still not been completed. On XX/XX/XXXX, I was charged a late payment fee of {$27.00}, and on XX/XX/XXXX, I was charged interest of {$15.00} on the statement balance. I realized this when I checked my statement on XX/XX/XXXX, and sent a secure message stating that I had made the payments, but the credit card issuer had failed to complete them. I did n't receive a response until XXXX ( 14 days later ), which said my complaint had been forwarded to the appropriate department. I have another payment due on XX/XX/XXXX, and I am worried about this affecting my credit since the payments that I 'm making are n't going through.
Product: Student loan

I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : Account Name XXXX XXXX # XXXX 2 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXXXXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX last XXXX # XXXX XXXX XXXX Account Name XXXX XXXX  last Four # XXXX 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 writter 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I, XXXX XXXX XXXX, am the son of XXXX XXXX XXXX and XXXX of the successors in the interest of the loan. XXXX XXXX XXXX, as a consumer and creditor, issued her credit card ( 15 U.S.C. 1602 ( k ) ) to XXXX XXXX XXXX, a consumer credit transaction was completed on XX/XX/XXXX, an extension of credit was granted, which created an account with XXXX Mortgage XXXX and pursuant to 18 U.S.C. 8, the bills/coupons are the obligation and responsibility of the United States , fully paid for the property at address XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, for personal, family and household purposes. XXXX XXXX  XXXX disregards 18 U.S.C. 8 and persistently uses mail monthly in attempts to collect debt ( mortgage payments ) via the mortgage address. XXXX XXXX  XXXX claimed via usage of mail for the purpose of collecting debt ( mortgage payments ) that documents were mailed per requirement of the Fair Debt Collection Practices Act. 1. McCalla Raymer Leibert Pierce , LLC, on behalf of XXXX XXXX  XXXX, disregards 18 U.S.C. 8 and via usage of mail, attempts to collect debt ( mortgage payments ) at the mortgage address is harassment, abusive and oppressive. 2. McCalla Raymer Leibert Pierce , LLC 's use of " borrower '', " loan '' and amount of {$4600.00} is a false, deceptive and misleading representation that runs the risk of repayment of the property that has been fully paid for. XXXX. McCalla Raymer Leibert Pierce , LLC stated that if a payment of {$4600.00} is not paid by XX/XX/XXXX, then a foreclosure sale will proceed, is a false, deceptive and misleading representation that also runs the risk of repayment of property that is fully paid for. 4. McCalla Raymer Leibert Pierce , LLC on behalf of XXXX XXXX  XXXX, via usage of mail for the purpose of collecting debt, failed to disclose within their mail that they are a debt collector attempting to collect debt, is a false, deceptive and misleading representation that runs the risk of confusion and misunderstanding. 5. XXXX usage of mail for the purpose of collecting debt, McCalla Raymer Leibert Pierce , LLC 's threat to sell the property in the non-judicial foreclosure state of Georgia is an unfair practice that invades privacy.
Product: Credit reporting or other personal consumer reports

Experian : On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Mortgage

I was behind on mortgage payments and i applied to the XXXX XXXX XXXX XXXX to get approval for funds to bring my mortgage account current. I was approved in XX/XX/2022 and the XXXX XXXX XXXX XXXX gave US Bank XXXX to apply to my mortgage payments to get my account current. The bank took the money and applied it to my mortgage arrears bringing me current HOWEVER i was ALSO approved for an ADDITIONAL XXXX payments of mortgage payments to help me stay current. US Bank has REFUSED to contact XXXX XXXX XXXX to request the funds and now i have falled behind ONCE AGAIN because of this banks laziness and unprofessional ways. I have called both US Bank Mortgage and XXXX XXXX XXXX  and have gotten the run around. I am told by XXXX that the money is approved and available and all US Bank has to do is REQUEST the money to apply the payments the same way they did with the initial payment of XXXX. I need help to get this resolved. My account is now a month behind and i am sure the mortgage is making interest off this situation. Please help me get this resolved and get the bank to request the money an get it applied correctly to my account so my XXXX XXXX is not further impacted. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I opened a Chase business checking account for my business on XX/XX/23. I deposited checks for customer orders for about a month and a half. I called them on XX/XX/23 about a payment issue and they told me my account was restricted due to I think they said some stop payments. All of the rest of the checks cleared ( and all the checks are legitimate checks of course ). I tried to resolve this on the phone to keep the account open by them verifying the checks. But XXXX of the check makers did not want to give out the information over the phone to them so they said the account would then be closed. I received a letter in the mail from them saying the same thing. They said my account would be closed on XX/XX/23 and a check would be sent to me in the mail for the balance. I called them again on XX/XX/23 and they told me they had to verify all the checks yet again before releasing the funds to me. They already went through this exercise. Also, the balance consists of checks that have long since cleared. They are holding my account up and not releasing the funds to me.
Product: Mortgage

My Mortgage is with a servicing company called XXXX Mortgage. My regular monthly payment is {$1300.00}. However, I have been making extra principal payments to try and pay my mortgage off early. My payment now due is {$450.00}. The website or automatic phone option will not allow me to make my final payment. They are requiring me to pay {$30.00} for a " payoff '' quote. My loan is now past due and I have no option to pay it. This in my opinion is abuse. I have not asked for a payoff, I simply wanted to make my payments until the note was paid off.
Product: Mortgage

PNC XXXX  XXXX  XXXX XXXX agreed ( on XX/XX/2022 via email ) to transfer an appraisal to my new lender. She stated I probably wont get it transferred until early next week My lender, XXXX, and I were unable to reach XXXX during the next week. I was notified on XX/XX/2022 that PNC would not transfer the appraisal until I paid the invoice. I promptly paid the invoice on XX/XX/2022 ( confirmation email attached ). 

I was notified on XX/XX/2022 that XXXX did not include the full appraisal documentation ( SSR files ). The email stated that PNC is refusing to transfer these files. 

As a result, the loan is unable to get processed and the closing date needed to be cancelled. I had to cancel multiple reservations, including moving truck rental, security installation, refrigerator installation/delivery, internet installation, and homeowners insurance. 

I have the right to these documents, since I paid the invoice in full on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, these accounts has violated my rights. XXXX XXXX  acct num ; XXXX. 
State of Mi office XXXX acct num ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602-A states i have a RIGHT to PRIVACY.

15 usc 1681 section 604-A section 2 states a consumer reporting agency can not furnish an account without my written instructions furthermore 15 usc 6802 expresses my RIGHT to Opt out of reporting.
Product: Student loan

XX/XX/2018 at XXXX XXXX -I called in to get more information about repayment options and to let them know I submitted something online but didn't receive any response but I did get an email about wait for your school to notify us. I was explaining this to the rep XXXX, agent id # XXXX. So people who want to make sure they understand normally repeats what was said or ask for more clarification. I repeated what she said to me to make sure I hear right and her tone immediately changed to that's what I said dummy ( and she actually did say that's what I said ). She also stated that she was going to submit something that would be retro for 60 days until the school updates my enrollment status. In the event that they don't I would have to submit enrollment and since I didn't catch what was supposed submit, I asked and she once again got smart. I politely let her know why I repeat or ask is because I wanted to make sure I heard and understood what she was saying and not to be a jerk about it AND thanked her for submitting the paper work. Not I'm not so she submitted it since I have not received any confirmation. I also see online that nothing was done and my payment looks to be doubled.