23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit control is dialing XXXX is on a daily basis looking for a XXXX XXXX. I don't know anyone by this name this person is using my phone number to escape from his debts. I received this phone number from XXXX XXXX XXXX in XXXX i had this number going on for 3 years now. I recently gotten calls the week of XX/XX/XXXX they are looking for this person XXXX XXXX. I don't know who they are a this is a debt collector for this person i asked them to stop calling but this company is calling me like 2 to 3 times a day and the last phone call of the day ends at XXXX XXXX. These people keep asking for XXXX XXXX. I have this feeling this man used my phone number to not be bothered with his debt he owes to these people. I talked to them in person over the phone and they said sorry that they will remove the number and now i am getting robocalls from these people. They keep calling from XXXX. I even asked them to stop calling or mail that person the information so they can call them but these people are not getting the memo. I don't know how they got my number but i am asking you to intervene to stop these people from calling my home number i don't know who they are looking for. 

The phone calls are for some man name XXXX XXXX and i don't know a XXXX XXXX. 
they are obviously are dialing and robo dialing a wrong number or this man is using a phony number to get out of any debts he owes i am being bothered 2 to 3 times a day and this stuff did not happen to me recently this number was never used by XXXX - XXXX they told me this is a unused and fresh and new number. So i would like for your help to stop the unwanted calls from these people this is a unknown person using my phone number. There is people out in this country that is very dishonest and they randomly use peoples numbers for services or what ever and when they slip into collections people like me are being bothered by these people and it is not right and unfair. 

I like to have a peaceful nite without keep answering a phone call that is not for me that someone used my number. I think that is ludicrest. 

This complaint is for unwanted calls, annoying calls, and a debt collector that is robo dialing someone that is not using this number. I think either they are not remembering there home number or using my number because they want someone else to deal with their unwanted calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a judgement from XXXX from XXXX XXXX XXXX. It has been reported on my credit report that I owe {$6000.00} as a collection account. 

However, I have recently had my wages garnished for this matter in the amount of {$1500.00}. This was paid approximately 2 months ago leaving the judgement as satisfied 100 %. There is a Writ of Garnishment and Summons in the amount of {$1500.00}. There is NOT one for the amount of {$6000.00}. 

On XX/XX/XXXX I wrote a letter to XXXX asking that they validate the account for XXXX XXXX/US Collections West ( Collection Agency ). I received a letter from US Collections West , Inc. on XX/XX/XXXX showing the total amount owed is {$7200.00} which includes interest of {$1200.00}. They included the Writ of Garnishment for {$1500.00}. They also included a Writ of Restitution that is nearly completely non legible. Regardless of any dollar amount in regards to this case, the fact is {$1500.00} is the amount that a judge has decided was owed and garnished from my wages. This is the amount, if anything, that should be on my credit report. The inaccurate reporting has hurt my credit for almost the last 5 years. There is a huge difference between a debt of approximately {$1500.00} and $ 6,000+. The ways that this has impacted my credit are immeasurable.
Product: Debt collection

I have reached out to midland several times to get them to provide a debt validation assignment contract with a wet signature from me. I have not received any of this requested information & the company has filed a lawsuit against me without providing the accurate information. I have been harrased and caused so much stress by this company who is attempting to sue me & I have never done business with this company. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above ar promptly remove or correct any inaccurate information from my credit report. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

In response to Equifax correspondence pertaining to inquiries, please see attachment. 

Equifax is in violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This letter is to dispute a billing error on my Capital One Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ), on XXXX it's ( XX/XX/year> ), on Experian the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXX XXXX  Account Name Number : XXXX
Product: Credit card

The problem is on the extra XXXX XXXX  rewards for a transaction of {$250.00}, or missing {$5.00} cash rewards from the XX/XX/XXXX rewards program. 

I have set an alert on my card ending in XXXX that whenever there is a transaction of {$0.00} or more, it will send me an email on the transaction on the amount, when and merchant information. I have email records saying the {$250.00} transaction happening at XXXX on XX/XX/XXXX PST, but my BoA online account posted the transaction date as XX/XX/XXXX. This caused me to miss the {$5.00} rewards. 

Ironically, there was another transaction of {$65.00} which happened only XXXX XXXX XXXX, and it qualified the extra XXXX XXXX  as shown in the BoA online account and alert email. 

So I am requesting the {$5.00} rewards adjusted to my account ending in XXXX. 

I also called BoA at XXXX on XX/XX/XXXX PST and got a real person to explain my situations, but unfortunately he could not help. He transferred me to another department but the automated system was too difficult for me to get next real person. 

I am simply asking for {$5.00} rewards posted to my account ending in XXXX. That's it. 

I have been a client of the BoA XXXX XXXX XXXX due to my balance of close to XXXX USD with regular direct deposit from my employer. Based on my account history, I have never been a heavy-hitter for any rewards program on the BoA. It is totally fine if BoA does not honor my request. However, I would seriously re-consider the relationship with BoA due to the loss of the trust in its reward programs if that's the case.
Product: Debt collection

This is a debt with a company I have no knowledge or contract with.
Product: Debt collection

XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve
Product: Credit reporting or other personal consumer reports

On or about on XX/XX/2024, company Bank Of America has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. Bank of America can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!
Product: Credit reporting or other personal consumer reports

I sent a letter XXXX TransUnion requesting to update my personal information and it was not updated. I do no work with anyone to help assist with my credit information. I called over the phone on XXXX and tried to resolve the issue but I was given a hard time. My information has yet to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. This is the account needs to correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$7700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the the XXXX Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

good day to you:  hi her the bank info  bank of america XXXX XXXX XXXX, XXXX ca, XXXX   hi the wiretransfer was sent from the XXXX i got the email at XXXX XXXX XXXX. i click print an the print came out 1 of the student. didt give me my printe with my account number on it. he kelp the info for himself, he has been useing my account from XX/XX/2011 tile now his info mr, XXXX XXXX XXXX. he left school to keep me from going to the school. it now has nothing to do with there laws. i call an the bank wil not do any thing. an the local branch will not talk to much to me. the lady work in the wiretransfer dept, has move on to a nother job.   thanks for your time,.
Product: Credit card

I have XXXX different charges on my chase credit card account that have been under dispute for over two billing cycles. These XXXX charges were both fraudulently unauthorized by the same organization, at separate times. I contacted chase bank several times via their message system, explaining the situation each time. I also talked to their representatives in their fraud department along with a supervisor and was told that I was liable for the charges because I had no proof of them being fraudulent, despite the fact that they were unable to get in touch with the retailer to get any evidence from them. This is Ludicrous and unprofessional. They have not charged me interest on the charges, but the charges are still there, which effects my over all credit rating for as long as they are on there.
Product: Credit card or prepaid card

I applied for a credit card through Capital One in XX/XX/XXXX and received my first statement on XX/XX/XXXX. When I had applied I was given a promotional interest rate of 0 % interest for the first 12 months. I have received the 0 % interest rate on all of my statements up until XX/XX/XXXX. At the beginning of XX/XX/XXXX I paid off the balance of {$720.00} to XXXX out my statement because I knew that I was getting close to the end of the promotional period of 0 % for 12 months and did not want to be charged interest. On XX/XX/XXXX I checked my online account and noticed that I was charged {$12.00} interest for the previous statement that I had fully paid even though I still was within my promotional period. When I saw this I immediately called Capital One to find out what was going on. The first person I talked with was looking into the matter and put me on hold. After being on the call for 22min 32sec I was disconnected. I then called back about the matter and spent 1hr10min17 sec on the phone talking with a specialist and a account supervisor who told me that the 0 % interest rate ended after 9 months and not 12. I asked where she was seeing this information and she told me that it was just an assumption because she was not able to locate any of the original terms that was sent to me on my card. I asked if there was any way to get the documents because they should have it on file especially since they gave me the promotion, but in the end she still could not locate the email or mailed document all she could do was send me my current card terms. The Account specialist said that I should have received an email with all of these terms, but I have all of the emails saved since I got the card and can not find the email the account specialist was talking about.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$370000.00} in fruadulent foreign exchange transactions
Product: Money transfer, virtual currency, or money service

I opened a case with PayPal because I did not receive the item. Seller provided tracking information so I went ahead and talked to XXXX about the non delivery issue and it turned out the package seller shipped did not have the correct shipping information which turned out it was delivered to completely different address and person. I talked to PayPal about this to appeal the case and they're not doing anything to help. I can't believe big company like this profits off hard working people like me without getting caught. I'm so disappointed.
Product: Credit reporting or other personal consumer reports

I have diligently contacted Transunion on dates between XXXX XXXX XXXXXXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Transunion has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Product: Mortgage

Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.
Product: Debt collection

I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX, XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX COM XXXX - XXXX XXXXXXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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.
Product: Debt collection

This company continue sending mail. This account is under a class action lawsuit against XXXX XXXX and won by the defendants and class, the case has been close judge order was and company trying to collect is Constar Financial Services LLC a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.