23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife received a voice mail from " XXXX '' at " XXXX and XXXX '' that said she was reaching out on a notice of intent to advise me of a pending legal matter that her number was listed in the file to relay information to. She gave a toll free number and a reference number and said to call them or the office will " move forward without his participation or acknowledgement. '' So I called the number and spoke to a lady there and she claimed a lender ( Chase ) was going to sue me to collect some credit card debt ( I eventually got the dates of XXXX for the account period ). I was like that, if it was even legit, it was well past the statute of limitations She mentioned something about a " tolling clause '' allowed them to pursue this beyond the statute. 

She claimed a packet was sent to me in XXXX and she gave an address I hadn't lived at in a year now ( it is my mother-in-law 's address ). I spoke to her and they never got anything for me. 

I then asked to remail this information to me but she said their client only allows them to mail one time but she could email me this information. I gave my email address. She offered me a 24 hour " hold '' on legal action. I said ok.

Upon researching online, I found out that this claim she couldn't mail again but could email me is a common scam tactic used and now believe I'm being scammed. 

I did receive an email and am 100 % certain this is a scam. It claims I owe over {$8000.00} which is absurd considering never in my life did I ever have a credit card with a limit greater than {$2000.00}. 

I have this entire call recorded as well ( all of my calls are recorded with an app I have installed on my phone by default ).
Product: Credit reporting or other personal consumer reports

I recently received an alert and checked my credit report and noticed that inquiries are reporting that i don't recognize.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in XX/XX/2023 and was alerted of an inquiry from XXXX XXXX XXXX from Experian credit monitoring. I immediately disputed the inquiry with Experian. I was then notified a loan was taken out in my name on XX/XX/2023. I have never applied for credit with XXXX XXXX XXXX. I have filed a police report in my state of residence regarding this identity theft. I have filed a identity theft report with the FTC. I have called the company twice and was told because I told them it was identity theft, they are not able to give me any information or speak to a supervisor. They requested a police report, which I immediately filed and emailed to them. I have still not heard from them regarding this report. I have disputed the fraudulent loan with Experian and they stated it was accurate. I have submitted my paperwork to the legal department XXXX XXXX XXXX XXXX. I have never missed a payment in 25 years of my credit history and I now have this timeshare loan as a missed payment, tanking my credit score by XXXX points. I had almost perfect credit before this loan ( XXXX out of XXXX ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened ( 3 ) XXXX accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/year> | XXXX - {$110.00} opened XX/XX/year> | XXXX - {$85.00} opened in XX/XX/year> XXXX
Product: Debt collection

I HAVE BEEN RECEIVING DEBT COLLECTION LETTERS FROM PROFESSIONAL ACCOUNT MANAGEMENT ( XXXX ) FOR A DEBT THAT DOES NOT BELONG TO ME. TWICE I SENT THEM DISPUTE LETTERS. THE FIRST LETTER DATED XXXX, I DID NOT RECEIVE A RESPONSE FROM THEM, BUT I CONTINUED RECEIVING DEBT COLLECTION LETTERS. THE SECOND LETTER DATED XXXX WAS RECEIVED BY XXXX ON XXXX. THEY SENT ME A LETTER WITH THE RESULTS OF THEIR INVESTIGATION OF MY DISPUTE LETTER, SHOWING A DATE OF XXXX. XXXX IS TELLING ME THE RESULTS OF THE INVESTIGATION WAS COMPLETED AND THE FULL BALANCE REMAINS DUE. THE XXXX LETTER DID NOT GIVE ME THE " XXXX XXXX '' RIGHT TO DISPUTE THE DEBT WITHING 30 DAYS. XXXX THEN SENDS ME A DEBT COLLECTION LETTER DATED XXXX ATTEMPTING TO COLLECT THE SAME DEBT FROM ME, THIS TIME THEY GIVE ME MY " XXXX XXXX '' RIGHTS TO DISPUTE THE DEBT WITHING 30 DAYS. TEXAS LICENSE PLATE NUMBER XXXX.
Product: Vehicle loan or lease

Ive explained this to the company numerous times, the loan was in my fathers name he passed away from XXXX there has to be some sort of law in place for this, this I aint supposed to be on my report anyway its older then 2 years, XXXX related death period Im not paying this loan no way no how anyway so!
Product: Money transfer, virtual currency, or money service

My Pal closed my account for no reason. I live in GA and my ex husband got a hold of my debit card and used it. I called Pay Pal to let them know and I was the one that was punished even though I had a divorce decree stating he has to pay me back. When I tried to remove my funds they closed my account. I have XXXX money and in need of the XXXX they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TRANSUNION both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine.

2 -proof that you own this debt with a clear title of the debt.

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name.

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. XXXX keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a police report was made reporting XXXX XXXX XXXX as a fraudulent account. A report to the federal trade commission was also made against XXXX XXXX XXXX XXXX. On XX/XX/XXXX a cease and desist notice was sent certified mail demanding cavalry portfolio services to stop its attempt to collect any debt for these accounts, stop reporting this fraudulent information to the credit agencies and pay the invoice for violation federally protected consumer rights. 

XXXX XXXX XXXX have failed to provide any written permission containing my signature along with the purchase agreement between the seller and buyer of this alleged debt.

According to title 15 usc 1681c-2 , a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt. 
Experian, XXXX, and XXXX have continued to be negligent in their investigation and have willingly reported false and fraudulent information on my consumer report.
Product: Credit reporting

I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove fraudulent collection activity from my credit file. 
1. XXXX has been trying to collect for a XX/XX/XXXX XXXX closed account and lists it as a new account. They recently posted the XX/XX/XXXXaccount as XX/XX/XXXX account. Experian investigation found this procedure to be fine and refused to remove the account from my credit file. XXXX hits my credit every three months.

2. Experian is currently being used by Property Managers in Montana and Florida to issue rental apartments. Experian is being used to meet their fair housing guidelines.

3. Experian is allowing old information to be reported as new - as long as the collector is new.

4. Experian is reporting the total amount of my student debt without providing full disclosure regarding the payment value and or account payment histories. 

5. Experian is not reporting debt paid in full for over twenty years of credit history 6. Experian is reporting paid debt - as charged off debt 5 to 6 months after the payments are satisfied.

7. Experian is being used by Property Mangers to deny housing without any real consequence
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
Synchrony Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used Synchrony bank
Product: Credit card or prepaid card

XXXX XXXX/CITIBANK LOST MY PAYMENT DEMAND DRAFT XXXX PAYABLE TO XXXX XXXX DATED XX/XX/2015 {$20000.00} APPLIED AN UNKNOWN, WRONG AND INSUFFICIENTLY FUNDED DEMAND DRAFT - FALSELY ACCUSED BEING DELINQUENTCHARGED MY ACCOUNT LATE FEES, PENALTIES, INTEREST CHARGES. RESULTS SERIOUSLY DAMAGED NEGATIVE CREDIT WORTHINESS, FINANCIAL SECURITY AND PHYSICAL AND MENTAL WELL-BEING. SIX YEARS LONG STRUGGLE TO GET COOPERATION IN CORRECTING NEGLIGENT MISTAKE, NUMEROUS CERTITIED LETTERS XXXX XXXX/CITIBANK HAD GIVEN ME RUNAROUND DESPITE ALERTED THEM OF THE MISTAKE WHICH SHOULD HAVE CORRECTED YEARS AGO FALSE CLAIM OF DEBT AND INTERNAL RECOVERY FORM 1099-C AMOUNT OF {$3900.00}.
Product: Bank account or service

I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of US!!!
Product: Mortgage

I rec 'd a call from XXXX XXXX of Truist Bank at XXXX on XX/XX/XXXX. She wanted to argue about my recent payment. Frankly, if we are arguing about me making a payment, I feel sorry for anyone that actually needs Truist Bank. They should be restricted in all of their ability to lend money. 

On XX/XX/XXXX, I submitted 2 payments to Truist as their website will only allow a max payment of {$99000.00}. I entered this payment followed by a payment of {$12000.00} electronically through by Truist Checking account. At that time, I owed Truist the following on my account : {$110000.00} PLUS interest from XXXX at {$15.00} per day ( {$270.00} ). This totals {$110000.00}. My expectation was that my XX/XX/XXXX payment would more than cover the {$220.00} that I owed Truist. They would adjust the dollars and refund me the difference OR communicate with me as a client. Instead, they declined the first payment of {$99000.00}. This is incorrect. 

There are 3 things I would like to point out regarding the mortgage contract : 1 ) There is no prepayment penalty, 2 ) Payments are made in arrears, 3 ) they are simple interest loans ( billed monthly but interest accrues daily ).

At this point, my second payment of {$99000.00} appears to be suspended. I do not know what will happen XXXX  but I certainly do not want to hear from XXXX again. Her call was ridiculous.
Product: Credit card or prepaid card

My rights have been violated! On XX/XX/21 I applied for an American Express Gold Card and was subsequently denied. None of their reasons for my denial supersede Federal Law, as I was exercising my right according to 12 CFR 1002.1 ( b ) and 15 USC 1691 ( a ) ( 3 ). They took my application which became a negotiable instrument, due to the authentication feature of my social security number, and never returned it. My belief is that they have sold and transferred my negotiable instrument without my authorization. This is unfair and inequitable to me as the natural person and consumer.
Product: Debt collection

Contacted via phone a by representative of Alliant Capital Mgmt regarding an outstanding debt of {$980.00} with XXXX XXXX XXXX XXXX. A leasing agreement for a XXXX XXXX digital product was initiated on XX/XX/XXXX using my personal information ( address & ssn ) by someone other than myself. I did not make nor was I aware of this purchase until notified by the debt collection agency. 

Origination date of lease was XX/XX/XXXX with installments being paid through XX/XX/XXXX. The account # is XXXX. 

I've subsequently filed a police report as well.
Product: Credit card

I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I became aware of a debt I owed regarding an eviction that had been finalized by a court. I was told by the property management company that the debt had been placed with Hunter Warfield. At this point no record of the debt was reflected on any credit reports. I was told the total amount of the debt was {$10000.00} and set up a payment plan of {$300.00} weekly to resolve the debt. I had paid approximately {$6700.00} towards the debt when I learned that the judgement made through the court was capped at {$8000.00} due to local law and that the amount I was ordered to pay was {$8000.00}. I immediately contacted Hunter Warfield offered to pay the full remainder of {$8000.00} ( {$1300.00} ) immediately provided a copy of the final judgement, signed by a judge. I provided this document on XX/XX/2023. I was informed a review would begin on my account which was required to be decided no later than XX/XX/2023. I contacted Hunter Warfield several times during this period to check the status of the debt. When I contacted Hunter Warfield on XX/XX/2023 I was told that the debt would be removed from all credit reports and all collection attempts would cease no later than XXXX, XXXX. On XX/XX/2023 I acquired copies of all my credit reports and the debt was reported on each, with no acknowledgement of it's dispute status, reported with not only the higher incorrect total but with no evidence of any payments having been made. When I contacted Hunter Warfield regarding this on XX/XX/2023 they acknowledged the debt was outside the 30 day limit for dispute and asked if I was aware of any unlawful action they had taken. Hunter Warfield 's agent, XXXX XXXX # XXXX, repeatedly informed me that he was unable to and would not provide any written information regarding the debt, any payments that had been made or accept any payment to clear the debt. He informed me I was not entitled to any information regarding the debt and acknowledged the company was not legally reporting the debt. He refused to provide any further information. He stated that the debt was " not his '' and that he refused to provide information based on his lack of compensation for any money collected. When I contacted Hunter Warfield a second time another agent suggested that Hunter Warfield was willing to accept the larger, incorrect balance they reported to " clear '' the debt but that Hunter Warfield would not remove the debt, mark it as disputed, report any payments unless I paid the {$10000.00} they had incorrectly reported in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a certified letter to Experian to dispute accounts on my credit report. In the letter, I requested documentation that they used to verify the accuracy of the accounts or unverified accounts be deleted promptly. Thirty or less days later, Experian sent a dispute result letter stating that the accounts on my credit report have been verified. However, they failed to send the requested documentation to verify the accounts. On XX/XX/XXXX, I sent Experian a second certified letter, again requesting documentation to verify the accounts or promptly delete all information that can not be verified. On XX/XX/XXXX, I received a dispute results letter, which yielded no new results.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 
XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020, I submitted a CFPB complaint against IC System, Inc for reporting a trade line on my XXXX credit report that does not belong to me. As a result of the complaint, IC System closed the account and deleted the trade line from my credit report. Once again, IC System is reporting the exact same trade line on my XXXX credit report. I have attached the company 's response to my first complaint.