23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.
Product: Debt collection

Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )
Product: Credit reporting or other personal consumer reports

I have disputed the said account multiple times with XXXX. I have asked for proof of accuracy which I have yet to receive. Last correspondence I sent is attached below... 


I am writing to dispute the following information in my credit file : This item is inaccurate because Reported payments for XXXX XXXX XXXXXXXX payment for XX/XX/XXXX but reported vehicle in repossession in XXXX & XX/XX/XXXX But also reported last payment received XX/XX/XXXX on an account company reported as closed as of XXXX XXXX which is ALL INACCURATE DATES. As of XX/XX/XXXX, thru XX/XX/XXXX vehicle reported as XXXX. Then started reported in XXXX XXXX in Repossession after car had already been paid in full from collateral. Please investigate this matter and delete the disputed item as soon as possible. 



1. Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 

2. Problem with the Account : This account is inaccurate/ Being reported inaccurate. 

3. Reasons for the Problem : Paid off / Payment summary / close date / payment reporting inaccurate / 4.Requested Outcome : I am requesting this item be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, ssn and DOB in order for it to appear on your credit file. Transunion has not updated the information and per the new law Chapter XXXX Bankruptcy Federal District docket # XXXX listed does not include this information and should be deleted from my report.
Product: Checking or savings account

Chase cashed a check ( already cashed by me at my bank ) to a thief I had already mobile deposited.

I am an account holder of XXXX XXXX XXXX. I mobile-deposited a check on XX/XX/2022. Over a month later, a thief stole this already deposited check. The thief went on to fraudulently cash this same, now invalid check at Chase Bank ( I am not an account holder at Chase ) on XX/XX/2022. Chase Bank did not take any action to recognize that the check had already been deposited ( and was clearly marked for Mobile Deposit ) and was invalid. Rather, Chase notified my bank who then deducted the amount cashed by the thief from my XXXX account. I have been working in good faith to recover this loss but has not experienced sufficient commitment from Chase to rectify the matter. Chase could have easily prevented this loss by practicing minimal levels of diligence to note that this check had already been deposited prior to the thiefs cashing and checking a form of identification prior to cashing the check. They failed and will not assist me in recovering these funds.
Product: Credit reporting or other personal consumer reports

I recently look at my consumer report and notice that i have inquiries on my report that doesn't belong to me and was recently denied credit because of this Please remove them asap with in XXXX business days : XXXX, TRANSUNION, 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 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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

**New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit card or prepaid card

The purpose of this complaint is to express extreme dissatisfaction with work of Barclays banks /Dispute department/XXXX XXXX XXXX XXXX and the decision they made in the above referenced case /dispute XXXX. We are going to attach all the correspondence related to this case for your review. 
In a few words- this case is very simple : it was much easier for your Dispute Department to award this case to the Merchant ( Hotel ), but that the reservation in question was cancelled due to natural disaster of world proportions, and as clients we should be protected by our credit card Agreement. 
For someone who would review our letter / map attached it will be easy to understand that it was physical impossible for us to fulfill our reservation obligations and get to the hotel. We predicted this situation a week in advance, but in fact on XX/XX/XXXX the whole area was on a lock down and that would make totally impossible for us to drive from the airport to the Hotel. 
That should be a sufficient reason for the Dispute Department to adjudicate this claim toward us, the clients who should be covered by the Credit Card Agreement. But, unfortunately, our claim was denied with erroneous recommendation to continue attempting to resolve this matter on our own For your information, that was the first thing we have done, we exchanged multiple emails with the Hotel, and never got even an offer to split the charges, or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved. 
May be it was not clear back in XXXX, but it is clear now, that we live during the pandemic, and this is probably equal or worst to the natural disaster.. It is far from being over, and even now visitors from USA are  not accepted in XXXX. 
I strongly feel that this matter should be re-visited by Barclays management.

We attempted to contact Bank/ Dispute Department on a regular basis, few times a week. We have the names of almost all Customer Services representatives we spoke to. Unfortunately, all these people  are trained to give the same answers, but not able to access the computer, see if any of our documents, email or fax correspondence was received ... Even further, if we ask to speak to the Supervisor ( who might possibly have better access to the computer ), be ALWAYS are placed on hold, and get disconnected.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX  XXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with Idaho Housing and Finance for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With IHaF I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However IHaF has continued to report my loan as closed and refuses to change that status. On XXXX  and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely XXXX and angry.
Product: Mortgage

Due to Covid19, we were offered deferment options on our Bank of America Loan. We have since learned that BOA is not our lender, but our servicer. We have been repeatedly told that we would be offered options ( a program ) to repay the deferred amount. I have been talking with BOA since XXXX of 2020 and have spoken to BOA 9 times about the situation. We are now in a position to stop the deferments and start back with repaying our mortgage. We submitted the asked for paperwork and have since received a letter stating that if they do not offer us a payment option they can foreclose on our home. NEVER WAS THIS TOLD TO US AT ANYTIME DURING OUR NINE PHONE CONVERSATIONS. Now BOA is telling me that it is up to XXXX to decide whether to offer us an option or not. This is absolutely NOT ACCEPTABLE. We have done everything the servicer asked and I feel as if they are frauds and not helpful at all. This has been an absolute nightmare with theis servicer and I will NEVER use BOA for anything again. STAY AWAY FROM BOA.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. Being force to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$990.00} XXXX. XXXX XXXX XXXX Account number XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account number XXXX Balance {$790.00} Date opened XX/XX/XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The Salvation Army is a Non Governmental Organization that has the authority to verify my trafficking. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX XXXX, wanted to use Square to process card payments, the payment ( {$30.00} made on XX/XX/2024 ) was successful. However when we attempted to move it out of the account, they froze the account and refused to give us a reason. We submitted ample verification samples showing receipts and answering questions about our business. We reached out to Square support asking about the reasoning behind the deactivation and if they money is stuck in the account and they failed to give us an actual answer to this question besides saying the money is stuck in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with US bank and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.
Product: Mortgage

Thank you for your quick response. However, in the complaint, you have XXXX as the company I am complaining about. See below : " What company is this complaint about? 
Company Information XXXX '' This should be Everhome/Everbank/TIAA. 

As I stated in my complaint. It started with XXXX, but when they transferred my loan to Everbank, Everbank added the {$500000.00}, instead of subtracting it. 

Thank you!
Product: Debt collection

Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX  tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX   that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
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, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

The property at XXXX XXXX XXXX XXXX. XXXX CA XXXX was given to XXXX and XXXX XXXX via grant deed, quit claim deed, will and trust by the now deceased XXXX XXXX XXXX. Furthermore, XXXX XXXX was appointed Executor of the Estate. ( Please see all attached information ). We have sent all of the above mentioned information to Nationstar NUMEROUS TIMES showing that The XXXX 's are now the property owners and should have full authority and authorization to speak on the account. NATIONSTAR IS REFUSING TO ACKNOWLEDGE THIS INFORMATIN. To make matters worse, Nationstar stopped taking payments once they were made aware that XXXX XXXX has passed which is ILLEGAL. 
Nationstar insisted on several occasions that they never received the documents with all pertinent information and then when they did admit to receiving the information, they stated that the documents are not sufficient. This has been on ongoing for months. Nationstar is refusing to acknowledge this information because they want the home to go to foreclosure sale. This is the XXXX HOME/ RESIDENCE and rightfully so. Prior to the death of XXXX XXXX XXXX, she took all necessary steps to ensure her home was protected and Nationstar has disregarded all her efforts. Nationstar stated, and we quote, " the documents are deemed invalid to name the XXXX 's as agents to releases loan information as the documents do not provide financial authorization and power over the debt. '' The grant deed and quit claim deed are in the XXXX name and have been signed and notarized by XXXX XXXX before her passing. That alone should suffice and grant the BOTH XXXX 's authorization. They are trying to bring the loan current and or receive financial assistance and Nationstar is refusing to allow them to do anything because they want to take the home. They will not provide a payoff or reinstatement. The XXXX 's will assert their legal rights and will be filing a lawsuit and naming Nationstar and XXXX XXXX XXXX as defendants as Nationstar is doing their own interpretation of the law, have neglected this issue, breached their duty, and the XXXX will seek damages. It is very apparent that Nationstar is discriminating against the XXXX 's based on their age, race, ethnicity, national origin, and language. We are demanding that these issues be addressed and expect a response within 72 hours or we will be forced to file a civil suit in district court.
Product: Credit card or prepaid card

I purchased a Regions Bank Visa Gift Card from XXXX XXXX on XXXX and sent it in the mail to a family members as a gift. I retained the receipt and auth codes, but did not make a copy of the card. The gift card was lost in the mail. 

When i tried to follow the steps outlined by XXXX XXXX to recover the cards value or replace it, I was directed to Regions Bank who could not find the purchase on XX/XX/2020, even though I provided all the details on the receipt. They expect me to have the original 'gift ' card to replace/recover the card. Seems like a deceptive practice that needs to be stopped. NO ONE will have the original gift card if it is lost or stolen, but they will have the receipts and activation codes which I provided but was not sufficient for Regions Bank representatives. Oh and I spoke with 8 of them before speaking to two managers and one supervisor. A total runaround. I'm waiting to hear back from a manager, but have not heard back for some time now.