23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Currency. XXXX Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Debt collection

I moved out of XXXX Apartments on XX/XX/XXXX. 

I lived there for a year prior to XX/XX/XXXX. I was living with girlfriend, my brother and his girlfriend. My girlfriend and I moved out and I was signed off the lease, I was given a form from the then staff at the apartment complex. The form I was given did not have the staff signature ; they signed the original and kept it. 

A new lease was started on XX/XX/XXXX, after I moved that was only signed by my brother XXXX and his girlfriend XXXX. I NEVER signed a new lease. It was after their new lease that started on XX/XX/XXXX that they got evicted in XXXX. Now they are stating I owe them. I do not, I wasn't living there after XX/XX/XXXX. 

I have gone to the apartment recently to get a copy of the lease and they themselves cant produce the lease. I spoke with the assistant manager XXXX XXXX I believe. I was told by her to ask for from the debt collector and they cant provide it either. 

I contacted the debt collector and have asked several times for a copy of the lease. They stated I signed and were able to see the lease but I know for 100 % fact I did not. I have been trying to get a copy of this said lease for over 5 months with no avail. They stated they mailed validation out but it was sent to the apartment complex not me. The only " validation '' I got was a itemized bill of the charged owed on XX/XX/XXXX. I received an email from XXXX XXXX and have since then emailed several times for the lease with no response. My last email request was XX/XX/XXXX and still with no response.
Product: Credit card or prepaid card

I have had an account with PayPal for around 10 years. About 5 years ago they locked me out of my account for reasons they can not tell me. My account has been at a XXXX balance for around 8 years. When they first locked me out of my account, they said to add my bank and that would verify that I am me. Well, that didn't work, then they said add a couple of my credit cards to my account. Well, that didn't work. I haven't been able to do anything with my account. I have called several times and they either hang up on me after a few hours or they start I chat and we get disconnected. I just want my account closed, you would think after 8 years of inactivity, they would just close the account. Now they want me to send them a lot of new information, I do not trust them with any other information. Can you please find out how they can treat people like this, and close my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$780.00} {$780.00} Payment Info Original loan amount {$780.00} Balance {$780.00} Status date XX/XX/XXXX -- -- This popped up on my credit report and I didn't receive proper notification to be able to be properly dispute this. I have been residing at XXXX XXXX XXXX and we do not have any XXXX XXXX XXXX, we don't have service due to being in rural area.
Product: Credit reporting or other personal consumer reports

i am listing 11 fraudulent inquiris from my Transunion and XXXX credit report ; oportun/pathward XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX this inquires do not belong to me and need to be removed from my Transunion and XXXX credit report. i called all creditors and Transunion, XXXX and was advised to fill identity theft report for deletion. i am requesting Transunion And XXXX to mark above mentioned inquires as fraudulent and delete them from my name and credit report.
Product: Debt collection

I received several missed calls in the last week that led to voicemails telling me I needed to contact a XXXX XXXX back the he was a from a law firm dealing with a pre-legal matter before they file a lawsuit against me. I called him back and spoke with him, he told me he was attempting to collect the money I owed XXXX. That I committed fraud against them and they'd be filing a lawsuit if I didn't make arrangements with him. I told him I wasn't sure what, if anything I could do and wouldn't know at the moment due to a court case with my ex I was in. He said he'd call back next week and see how low he can get it. 
The next week came and I again wasn't able to pick up my phone ( I already explained to him it's our busy season at work and I can't be on my phone ). He left a message again and continued to call 3 more times. He then proceeded to call my Aunt and Uncle and left a Voice mail on their landline saying I was in a lot of trouble and he was trying to locate me. Then said I owed a lot of money to them and I was on the run.

Mr. XXXX not only false identified himself as a lawyer, he threatened legal action, called multiple times including my place of employment and family members, and he actually left messages to my family members stating untrue facts.
Product: Mortgage

My funds from HAF are not being applied accurately and on time by my mortgage servicing company SPS. My account is being assessed late fees and put in delinquency when HAF has been making the payments on time and I have verified with them going back 6 months. SPS will not provide information to me and only suggests I contact OMBUDSMAN department where I have left several messages and received no reply. They never answer the phone. This is a misuse of government assistance and gross negligence bordering on theft and fraud on the part of SPS. I implore their company and its financial handling of government funds be reviewed.
Product: Checking or savings account

On XX/XX/XXXX, I tried to access my Netspend account to withdraw {$1100.00}. I was denied access. After having sent documents to prove my identity via fax, email and text, I was still denied access to my funds.
Product: Debt collection

XX/XX/23 4 phone calls and they would only say this was for XXXX XXXX XXXX and no other info. It was for a location in Colorado and we are in Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX and XXXX XXXX XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account
Product: Mortgage

US Bank took the amount for the second installment of my property tax on XX/XX/XXXX and as of today no payment to the county has been made or received. Additionally four ( 4 ) calls to US Bank asking for confirmation and proof of the payment has only resulted in multiple explanations, obfuscations and outright lies of wire payments made the day of the withdrawal from my escrow account. 

They have simply also refused to provide me with even an explanation of where those funds actually went or how they were used.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-Wellsfargo -Brands XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea who this XXXX bill is for, but it's not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account info Account number XXXX I have my own XXXX  cc and its paid on time XXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX for 6 years
Product: Debt collection

I had a  XXXX   XXXX  on Monday  XXXX   XXXX ,  XXXX  at  XXXX , WV  XXXX    XXXX   XXXX  . Was taken to  City Hospital  until I was stable, then they transported me to  XXXX  Hospital in  XXXX , VA. In  XXXX   XXXX , due to divorce and health issues, filed Bankruptcy  XXXX   XXXX . Currently, trying to establish a business line of credit for my  XXXX   XXXX  and noted on my personal credit that I have a judgement from  XXXX   Medical Center  for {$1800.00} filed on  XXXX / XXXX / XXXX . Why would this not be included in bankruptcy?     Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have refused to investigate and remove the unverifiable and inaccurate accounts from my file for over two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to Equifax. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that Equifax remove this account from my credit report but they continue to disregard my wishes. This account was closed in XXXX and should not be on my report anymore. The creditor reported this account again to Equifax on XX/XX/XXXX due to my dispute did not delete this account.
Product: Debt collection

I visited XXXX XXXX, located in XXXX, SC, XX/XX/XXXX for a health condition. I provided the hospital with my social security card ( credit card ) as well as my insurance information provided by XXXX XXXX XXXX XXXX. After leaving the hospital, I was then notified with phone calls, harassments and continuous bills in the mail from XXXX XXXX. After receiving several calls from a representative on behalf of paying a debt with XXXX XXXX, I then began receiving letters filled with threats and profane language in reference to collecting a debt. XXXX XXXXXXXX XXXX has been requesting payments from me and now I have a 3rd party company by the name of Receivables Management Corporation in XXXX XXXX SC harassing me about a bill owed to XXXX XXXX XXXX, which is fraud and illegal. Each letter received by RMC contains debts that does not reflect the amount due by XXXX XXXX. I did not have any engagements nor did I sign any contracts or paperwork with RMC for them to have my telephone number, address and access to my credit report. RMC threatened to have the debt placed on my credit report and as of XX/XX/XXXX, the debt is showing on my credit report and has caused my score to decrease tremendously. I have been violated a numerous amount of times according to the fair credit reporting act and these two companies will be held responsible for such inaccurate information, fraud and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I tried to get my yearly credit report and was not able to get my report from XXXX and experian. I answered all security questions and still no report called the number that was provided no help there
Product: Student loan

Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.
Product: Mortgage

In XXXX of 2019 a mortgage was taken out in my name with PHH. I have never applied for a mortgage or refinance from this company. It would appear that my stepfather has taken this loan out in my name. I have never authorized or signed any documents pertaining to this loan. I have never spoken to anyone from this company and had it not been for my credit report, I would not have known that this loan existed. I can't find the loan number to even inquire about this loan. I can only find it by using my social security number and my stepfather 's address. Because of this, no one will speak to me regarding this loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a due date extension change from Capital One Auto Finance on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from captial one auto on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX Capital One Auto Finance receive a paid in full payment for over XXXX paying the account in full however Capital One is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to capital one auto finance and it has yet to be corrected. Due to this error by Capital One Financial I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXX XXXX USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX
Product: Mortgage

I fell behind on my mortgage about {$14000.00} as a result of being physically XXXX when I was a victim of attack in my home. I filed bankruptcy in 2019 and got behind on my monthly payments agreed in bankruptcy. I had a few retuned payments and now they are only accepting certified checks. I cant make a payment because I am homebound and even have trouble getting to appointments. I am requesting an accommodation for my physical XXXX to be able to make payments online or by phone. 

Also, I want any assistance available to physically XXXX individuals who are facing foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX  XXXX Account # : XXXX ; XXXX Account # : 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 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Product: Checking or savings account

So Wells Fargo closed my account because of some scam checks I received in the mail, I didn't know because I have a history of getting unemployment checks and deposits with Wells Fargo and that Account and was told, I would get my funds because of history
Product: Debt collection

Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan on XX/XX/year>. When I was closing the loan I was told that I would have to take out insurance products for them to fund the loan. I signed and agreed, however, when I paid off the loan XXXX months later I had to go into the branch to finalize the payoff. I paid online but due to proration and payoff date, I was forced to go to the branch to make an approximate {$7.00} payment. Their website will not take payments under {$10.00}. While there, I read my contract and saw that the dispersed amount for the loan showed a few XXXX more than I was given. I inquired about it and was finally told it was dispersed to an insurance company. The insurance was through a 3rd party and was for Auto Insurance and roadside assistance. They knew that I had full coverage insurance and roadside through my own policy. They knew because they required my insurance declarations for the loan. They also sold me Life Insurance, XXXXXXXX XXXX  XXXX, and XXXX XXXX Once again, I was told this was required. When I really started questioning it, they produced a copy of the loan documents I signed and said I was informed. The really bad thing is that I had the original loan copies that I signed on the day of the loan closing. They do not match what they have uploaded into their system. I was given a XXXX story about why it changed, but it was XXXX. I provided their corporate office as well as the local branch my copies versus what they have uploaded in their system. It is a blatant insurance scam. I have both copies of the loan agreement. The original and the one they claim is the original. It includes time stamps and dates from when I signed it.
Product: Money transfer, virtual currency, or money service

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, PNC, but both have claimed they are unable to do anything at all. PNC will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXX bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.