23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I filed a dispute with Transunnion Credit bureau about the unverified account : XXXX XXXX account # XXXX. In these months I have not received a notice in XXXX  days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit card or prepaid card

XXXX  PayPal according to them I can make a monthly payment I only owe {$110.00} well actually I don't know it cuz here 's what happened I close my account due to fraudulent activity and they never refunded the money I've been fighting with them now for 6 months and every month somehow something else gets added to my bill apparently it's a XXXX and something dollars I don't even know because they can't even send me a bill why because they can't even look up my account why well according to the guy I talk to you last week I do believe it was a Wednesday  night he said that I don't know anything because the account was closed due to fraudulent activity then why am I still getting bills and threats that they're going to mess with my credit I want this taken care of yeah I wouldn't removed obviously they don't know what they're talking about when I call in to pay {$100.00} bill that I don't even know for and you can't tell me where my account is because it was closed due to fraud and that I don't owe you anything and then I get a bill 3 Days later saying the opposite kind of makes you look bad this doesn't even count the four times in the 6 months I had PayPal that they charge me for late fees that were not accurate interest on interest free payments which I paid off in full within the time frame and purchases that were never made by me. Final straw that broke camel 's back was when I called in and they proceeded to tell me that I had not made a payment in 4 months all the money that I've been paying for those for months of payments I have record of where's the money going cuz it didn't come off the amount that I owed I owe {$300.00} something dollars and I paid it off pretty much down to maybe {$42.00} but they had no no recollection of that I had to actually have somebody from my bank call one of their financially agents to tell them that that we had proof that they had been paid and why wasn't a deducted
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was texting who I thought was my friend via XXXX and it was a hacker pretending to be her. The hacker requested for quite a bit of money via Zelle because the bank did not allow to exceed limit amounts for transfer and that first hour in the morning I will have it back. Again I thought it was my friend who I was speaking to when I completed the transfer, wanted pictures and screenshots to prove transfer was made. Moments ago after I made the transfer I got a message from a group chat we are part of and notified me to not send anything that it wasnt her. That she was hacked. I immediately deleted any information having to do with the hacker and contacted XX/XX/XXXXXX/XX/XXXX to freeze the account to issue me new card. 

Not XX/XX/XXXXor Zelle wants to be responsible or find any resolution to my error authorizing with a fraudulent person. I really thought it was somebody I knew when it wasnt. Thats why I gave the approval. XXXX doesnt want to help because it was an authorized transfer and Zelle doesnt want to help because they have no fraud protection with clients and I did it via Zelle but through my bank provider not with them directly. 

The last thing I have done was go to police department and file a case with them about disputing the charge but I know it will sit on the desk and not do anything about it.
Product: Mortgage

On XX/XX/2018 I went the currencys exchange in XXXX. Il XXXX & XXXX and made a payment of {$1700.00} as requested by my mortgage company. 
Later my mortgage company said they did not receive the payment, I gave forwarded my receipts to to them and they still are not giving me credit but rather proceeding with foreclosure against me.
Product: Checking or savings account

XXXX XXXX XXXX $ was taken out of my XXXX XXXX account without my authorization and once again XXXX XXXX wont make it right.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX- Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Debt collection

This collection agency is attempting to collect a debt that never existed. I imagine there was an issue with billing. My insurance covered my family and I for all visits and there were no amounts due that exceeded our allowance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau ( Equifax, XXXX XXXX and XXXX ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from XXXX but they did remove some information. Equifax and XXXX XXXX claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I don't recall having a contractual relationship with this collection company NATIONAL CREDIT SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

This company sent me a letter stating I owed their client money. I disputed the letter within the 30 days of their letter stating I had to do so in writing or their demand would be considered valid. I disputed the letter right away and sent them a response denying a claim immediately. I was alerted my XXXX XXXX that I had a negative credit rating and a collection account which predated their initial letter to me. This company placed this collection account on my credit report in XX/XX/XXXX ; They officially notified me in XX/XX/XXXX and I responded in the same month denying the claim. 

This company has done 2 things : threatened me with a negative credit collection which is not a valid debt and misrepresented and lied about following the rules of me wanted thi=em to prove a debt. This debt also appears to be out of statute.
Product: Debt collection

They contacted me about my debt XXXX weeks ago. I paid them XXXX dollars. Today they called a place that I did not work and spoke to an employee that was not me about my debt and that I need to pay them. They told them where the debt is and how much to the point where the person is telling me word for word that I owe XXXX XXXX. In addition they called my spouse and told him also about the debt that I owe.. 
They have also been contacting me on blocked numbers. 
Im BEYOND embarrassed.
Product: Debt collection

I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. 
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. 
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt XXXX. I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Including addresses, accounts, & inquiries etc. As per the law, they should be removed after I provide proof of who I am, as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Debt collection

ACSCA has been att empting to collect on a debt using harassing and deceptive practices. This debt was involved in identity theft. The original creditor has sold this account to several collection agencies and this agency is the third. The original creditor was informed of the identity theft and received all documentation from the police regarding this debt.  ACSCA has   threatened to file a lawsuit against me by serving a notice at a different address and has also threatened to sue me in different cities to obtain a judgement. They are using dishonest, harassing and deceptive practices to obtain a debt that was involved in identity theft. ACSCA has also posted this debt on my credit reports without proper notification and t heir representative stated and threatened that they will keep posting the debt on all credit bureau reports until its paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and experian i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
Product: Debt collection

On XX/XX/year> I mailed a debt validation letter LVNV funding requestion proof of the debt assignment ; next the original contract that I sign from the original creditor a payment history and dates from the original and name an address of the original creditor this was sent pursuant to the fair debt collection practices act 15 usc 1692g also i not aware of this company and never sign are agreed to anything.
Product: Debt collection

I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.
Product: Mortgage

My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is becoming impossible to submit a dispute with the TransUnion reporting agency. I have attempted online a year ago, then again this time, and the company refuses to fix their website issue, which always results in a " Dispute Temporarily Unavailable '' upon submission of the disputes, which is unavailable indefinitely. 

For a company that holds and reports financial credibility of hundreds of millions of Americans, this is unacceptable, specially for consumers with accessibility issues. 

Thanks for your support and for doing a great service.
Product: Debt collection

I am requesting that this collection and all negative items such as old outdated addresses and collections be removed and deleted as I have no knowledge of this account and am a victim of identity theft and requesting that all information is updated to my present information to resolve my complaint. 




this collection can not validate a monthly payment therefore they can not collect a debt thats not validated. I do not own this debt. 

Address ID number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing the loan listed on my credit report, as I have no knowledge of it. At the time, I was between homes and caring for my XXXX daughter. I have never taken out any loans, except for XXXX loans a year later. This fraudulent entry is impacting my ability to secure a car, home, and invest in my business. I have previously attempted to dispute this matter but it remains unresolved. I request that this issue be thoroughly investigated and the loan removed from my credit report.
Product: Mortgage

They continue to call me three sometimes four times day, regarding the payment for house. I have specifically asked, both written, email, and verbally not to call ( cell phone ). In the last three days they have called 6 times, initially using an auto dialer.
Product: Debt collection

This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. Thank You!
Product: Mortgage

In over 40  years of loans and mortgages, this is the worse company I have dealt with. Was pre approved and paid {$500.00} application fee. Spent XXXX on attorney to make sure title co had everything was taken care of. A lot of this could have been handled by XXXX XXXX and XXXX XXXX. They were so slow at requiring more info needed. That I had to resubmit things several times. I spent numerous hours on e-mails and phone calls ... most a week or so to return or not at all. I spent a lot of time on items requested also. Now after 6 months, application is closed. I should have my Application fee returned. I intend to send this to as many review places I find included Consumers Reports if I am not reimbursed my application fee. All I wanted to do was lower my mortgage payment and make a few improvements. I have all correspondence with them saved. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I talked to several reps at Experian, XXXX, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Had an account with XXXX XXXX XXXX  USBANK is now the account card holder. REWARD POINTS/ PERKS issued on three separate cards with each card having a separate Denomination/ Value/ Amount with the total amount equaling {$220.00} dollars. one card is {$25.00} second card {$100.00} and third card {$100.00}. The value {$25.00} was used up in fees Each card was deducted {$3.00} per month plus inquired about a replacement card because of cards expiration, I was charged an additional {$15.00} per card replacement. 

The cards were never activated for use.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Credit card

Every month I made over the minimum amount payment due and after submitting a {$200.00} payment, the company blocked all access to my card and requested that I continue to pay my monthly payments.