23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX PST XX/XX/21 Spoke to a lady who would not respect the aspect of PII. Gave enough information to verify myself to include my name, states of residence ( to match on file ) and the like. I asked for verification of debt and was informed she wouldnt do that without verifying personal information ( which I already did ). Asked to be transferred to a supervisor. 2nd lady did the same thing. Asked for a verification of debt denied asked to be transferred. Spoke to a 3rd individual, male, same issue, and then transferred to a woman named XXXX. XXXX stated she could not proceed with anything unless verifying information. She read off my address and I told her that I have resided in this residence for 2 years almost 3 years now. I again, asked for a verification of debt/business matter in writing and she said okay I am ending this call after. My FDCA rights have been violated for verification of debt in writing. Additionally, nothing is on my credit report with XXXX in any shape/form/way. XX/XX/21 - missed their call at XXXX ( no voice mail left ) XX/XX/21 - same situation occurred at XXXX when asked about myself and was hung up on XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST If it was " such '' of an important business matter, then a voicemail would be left and these practices of " DENYING '' a written/printed letter of verification without " attempting '' to obtain PII such as social security numbers, DOB and the like ( which can all be used to fraudulently obtain someones identity and the like ). Ex-military, well versed in these laws/regulations and prior experience in this industry as well. Based on the laws, first phone call received XX/XX/21 have 30 days from this date to request. Being XX/XX/21 ( 7 days ), this is within that time frame. Being denied and refused to do so to verify this matter is a violation of said law thus should be removed/denied any adverse affects to me to include my credit report/history. Any future notifications from this is considered harassment and fraudulent and will be documented for a civil lawsuit valued at {$1000.00} + damages for every event that occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got a call on XX/XX/XXXX from USAA. I believe it was a scammer. He was messaging me through usaa fraud department codes and my login to verify and it was right and from the fraud department I thought so I confirmed. He ended up putting money in my account and talked me into putting {$2300.00} on an XXXX cash card in my wallet. I did as he said, then, he kept telling me to delete all my cards in my apple wallet. Hit the plus button at the top, and add a debit card. Then he told me to wait while his system anuto populates the number. And he told me the debit card numbers to enter, annd tried to put the money there to send back to bank. and the transaction were he put money in my account said XXXX XXXX XXXX. I lost signal and the call ended. I then called usaa where I ended up getting transferred to the same guy. So I hung up and called back. Then got someone new. I explained what had happened and they investigated. I logged into my account and noticed another checking out that was opened a month prior with someone elses name. Now since USAA reversed a mortgage payment from XXXX and one from XXXX I got a call threatening me with foreclosure. I told them what happened they called me a lier. I called usaa back this morning because everything is supposed to be closed and good. That other account is still on there. They told me they are taking care of it but they cant give the money back to the mortgage place. He said I can download the documents and send them to the mortgage company via email. I told him XXXX cant they dont have one and he said there is nothing he can do and just hung up. I log into my account to look at all the documents and they are gone. Like they were never there about the changes to that random account with letters addressed to me. USAA deleted them because they messed up and trying to cover it up. Now I am losing my entire house
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, NC, XXXX To reiterate, my correct and up-to-date personal information is as follows : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting or other personal consumer reports

To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and to XXXX XXXX XXXX please work with XXXX a contractor " FOR THE TRUTH '' with XXXX  XXXX XXXX ( contractor ) to confirm on my credit file 10 years satisfactory of mortgage XX/XX/year> never document as Tradelines.
Product: Debt collection

Company kept calling starting from XXXX XXXX up until this week XXXX. They called and said we owed a medical bill and that we should pay now. Then they wanted a social security number but we did not give it to them. When I asked what the bill was about they said we should know already but I stated I was already paying a bill they then started being rude and threatened that if we did not pay {$4800.00} they would take our property, call the police and threatened to deport us. They just kept asking for the credit/ debit card information. After that altercation we tried to call back to ask what we owed but they would immediately hang up. We figured it was a scam after we got the name of the company by calling from a different number where they tried to get a social again. The name of the company is phoenix financial services. We have blocked the number but want to report so people will not fall for these scams.
Product: Checking or savings account

On XX/XX/19 I requested a {$100.00} transfer to a non-BB & T account using XXXX. My payment did not go to the intended recipient when he notified me that he did not receive my funds. I contacted the bank on XX/XX/19 to notify them that the account number was incorrectly entered. The bank indicated that the funds probably would not go through if the account number was wrong. I opened a claim and was notified on Tuesday that there was nothing they could do since the account number was incorrectly entered. The bank told me that I would have to file a police report. I feel that the bank should be held liable for the money that I am out since someone else received the funds. Please advise if there is anything else you can do to contact BB & T. Thank you,
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my XXXX XXXX despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my XXXX XXXX has caused significant harm to my XXXX XXXX and financial standing. 

Despite submitting multiple disputes directly to Wells Fargo and the XXXX XXXX, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - XXXX XXXX. XXXX, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. 

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my XXXX This action violates the XXXX XXXX Billing Act ( FCBA ) - XXXX XXXX. XXXX ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my credit report. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial XXXX 

XXXX XXXX refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, XXXX, and the Truth in Lending Act ( TILA ) - XXXX U.S.C. XXXX ( b ).
Product: Credit card or prepaid card

I submitted a dispute for a {$740.00} purchase from XXXX. I explained that XXXX delivered me the wrong product ( it was not the product described in my order, but a different product ) and refused to refund the purchase or to send me the item I actually ordered. 

Alliant Visa just sent me a letter claiming that I did not provide sufficient written evidence to support the dispute

. Ho wever, Alliant did not request any additional details from me, despite my contacting them on multiple occasions to determine if they needed anything from me. This is not the first time Alliant Visa has conducted itself in this manner with disputes ; it is an established pattern.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and multiple previous times before the item below has been inaccurately re-inserted back into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previous item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This must be updated and STAY current. The XX/XX/XXXX payment status for XXXXXXXX XXXX XXXX  account XXXX keeps reporting incorrect changing constantly from " Current '' to " 30 Days Late ''. Please update and KEEP XX/XX/XXXX reporting correctly as CURRENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXX 's payment late. When the draft for XXXX 's payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX  However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear [ XXXX ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]
Product: Student loan

I have tired on several occasions to get my loan amount changed to be more affordable they keep raising it and offer no help back in XXXX of 2020 they loan officer said that XXXX was a option to get out of it. The loan was for XXXX to date I have already paid {$93000.00} with {$28000.00} left to pay off and 4 years to go. I dont understand if why I have to pay more then double my loan amount
Product: Mortgage

1. I was in a Covid-19 forbearance plan with XXXX Mortgage. 
2. I asked XXXX umpteen times to place my account on a repayment plan, to no avail. 
3. XXXX sold the servicing rights to Selene Finance LP. 
4. Selene Finance reported late payments to the three CRA 's. 
5. Selene Finance initiated a foreclosure proceeding.

6. I reinstated the loan and brought it current.

7. My new account 's online portal has hidden information with added fees that does not disclose nor explain what the added fees are for. 
8. My escrow balance is incorrect, as I have double-paid my property taxes : to the county and to the Re-instatement Amount. 
9. My credit score is damaged, as they were not supposed to report lates for those who are/were in a Covid-19 forbearance. 
10. Similarly, my new payment due is {$400.00} more than usual, and I will be reluctantly paying it because I feel as though I'm being coerced into doing so.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Most of the issues began about XXXX of last year with the my XXXX account with capital one, the account as well as all of the other accounts that I have and have had, all of them prior and still have overdraft decline, which means, that I have opted out of the bank paying any overdrafts for me, which is in account settings. Even though in the years I have had my accounts they have never even given the offer of {$2.00} towards an overdraft, they decided on XX/XX/year> to go over my head and paid XXXX to XXXX  XXXX I did not authorize any such payment as to why I have the overdraft protection on, they then refused me the opportunity to dispute the charges and closed this and another one of my accounts due to the same scenario for XXXX months later for another {$120.00} again refusing me the chance to dispute the charges. The charges were not authorized similar to this latest issue with my credit card where they actually finally admitted they overstepped and had charged me {$2000.00} plus dollars initially, but then recanted stating they were going to investigate their over step which is exact, y what happened with my checking account. Capitol one has also made it hard to dispute the final amount of that charge stating that I cant, but then decided that I could, there is alot of misinformation going on, the bank does what it wants with out consequences meanwhile the customer suffers with issues such as a lowered credit score do to their misdealings or the inability to bank with other banks. They have also refused to reissue my debit card and ability to dispute online. It took over 2 months for their system to allow me to change my number. This bank is unbelievable.
Product: Credit reporting or other personal consumer reports

am filing this escalated complaint against XXXX XXXX XXXX, TransUnion, XXXX, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite four previous dispute attempts, the credit bureaus continue to report inaccurate and misleading information that is negatively impacting my credit profile. 

1. Duplicate & Misleading Reporting ( FCRA Violation 605 ) The same debt is being reported under three different names : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This creates the false impression of multiple debts, unfairly lowering my credit score. 

FCRA 605 requires accurate reporting. The duplicate entries must be removed. 

2. Re-Aging of Debt ( FCRA Violation 605 ( c ) ) The original charge-off date was in XXXX, yet the " Last Activity '' date was changed to XXXX. 

This illegally extends the reporting period, violating FCRA 605 ( c ). 

Action Required : The original charge-off date must be restored or this account must be removed. 

3. Incorrect Account Status ( FCRA Violation 1681s-2 ( a ) ( 1 ) ) One entry states the account is " Open, '' while another entry states it is " Closed. '' A charged-off collection account should not be reported as " Open. '' Action Required : The credit bureaus must update or delete this account due to misrepresentation. 

4. False Payment History ( FCRA Violation 1681s-2 ( a ) ( 1 ) ) The account continues to show late payments even after charge-off, which is not legally allowed. 

Once a debt is charged off, no further missed payments should be recorded. 

Action Required : False payment history must be corrected or removed. 

5. Failure to Provide Debt Validation ( FDCPA Violation 809 ( b ) ) XXXX XXXX XXXX has not provided an itemized breakdown of the charges. 

FDCPA 809 ( b ) requires proper validation of debts. 

If XXXX XXXX can not provide legal proof of this debt, the account must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX XXXX account XXXX to be deleted via Transunion 's Early Exclusion rule as it's within the 6 month window of deletion as my first missed payment was XX/XX/2016.