23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is attempting to collect on a debt for an illegal payday lender named Spotloan. They have called my work number after I 've informed Spot Loan and another company affiliated with XXXX that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another one of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. XXXX violated the FDCPA by contacting me at work after I 've asked the original creditor, XXXX 's affiliate, and XXXX not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
Product: Debt collection

This debt randomly appeared on my credit report. The account says it was opened on XX/XX/2022. In the span of XXXX years, I never heard from this company. I never got a notice, a call, a letter, nothing in regards to this debt being bought by this collector, or that I owe this money. 
I never got to verify or validate this debt, and I did not receive a validation letter within the time frame required for a debt collector. They instantly reported to a credit reporting agency without communication to me about this debt.

I feel though it is unfair to have something put on me debt and credit report that I had 1. No knowledge of 2. Not communicated to about and 3. Have my credit get impacted by this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I see on my XXXX  credit report an unknown credit inquiry without my approval by a company called Curo XXXX XXXX XXXX also known as speedy cash with the address listed as : XXXX XXXX XXXX XXXX XXXX KS XXXX. 

This inquiry on my XXXX account appears on XXXX XX/XX/2019. I need this to be wiped out from my credit report as Id not authorized for such an inquiry and at the same time necessary fines should be levied on this organization to avoid exploiting and misusing public data.
Product: Debt collection

The phone number XXXX called me on XX/XX/year> and the number was then blocked as they did not leave a voicemail and no legitimate number matched in XXXX. Then on XX/XX/year> the number XXXX called and I called them back as again, they did not leave a voicemail. When the line picked up, I explained this number had called but left no voicemail and I wanted to know who this was. I was told they were looking for someone by my first name about a personal matter. I asked again what business purpose do you have contacting this phone number? The other person quickly gave me a name that was not understandable and when questioned what industry does this business work in I was told to have a nice day and hung up. I then figured it was a scam. Once again blocking the number. Then on XX/XX/year> I received another phone call from the number XXXX and called them back and demanded to be told the exact business name and was given Unifin after requesting the person spell it out as I XXXX on the phone. I said if you're a debt collector why would you not state that as every other collections agency would? They told me that it was a personal matter to discuss. I told them do not ever call this number again. This is harassment and when you do not clearly state what your company is and what the purpose of this phone call is, it is harassment.
Product: Mortgage

I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.
Product: Credit reporting or other personal consumer reports

Equifax is obligated to only report 100 % accurate information on my report and therefore need to delete anything not in line with this legal requirement. I have already notified them about this mistake I am attaching that they failing to remove from my report. They are aware of this as they are reporting it on my report. This is a FCRA violation and I will seek a consumer attorney to file action against them if it is not deleted right away.
Product: Debt collection

Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

This is an old medical debt with no way of settling or disputing. No one has co operated with me I was under my mothers insurance and suffering now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document. 

I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.
Product: Debt collection

In accordance with Fair Credit Reporting act Santander Consumer USA account number 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.
Product: Credit card or prepaid card

Elan Financial Services is destroying my credit rating- for the past 7 months, I have called 4 times to cancel this credit card. Every time I call- they tell me I can not cancel because they : 1 ) can not take a payment and cancel the card 2 ) can not give me access to the online portal and cancel the account 3 ) give me the cash value of my rewards and cancel the account 4 ) can not give me the cash back rewards as cash. 5 ) can not give me the earned cash back and cancel the card. I have not used the card in 5 months and they continue to charge late fees and report me for late payments even though I continue to ask them to cancel the card. They hang up and send me to the machines. The average call time is over 30 minutes. The people refuse to cancel the card and they refuse to even interact - saying that they don't have access to my account and then put me back through the answering machine. They continue to report delinquent payments on the card and charge me late fees and send me non-payment emails. Always saying that they can not cancel the card - suggesting that I have to wait, and have to be called back ( though never am ). I feel this is a predatory practice and Elan services is not working for their customers.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed. 
XXXX XXXX XXXX ropened XXXX XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX XXXX opened : XXXX XXXX, XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, while in the process of purchasing a home, it was brought to my attention that a negative account had been reported to my XXXX and XXXX consumer reports. I immediately contacted the company to discuss the issue and to inform them I never applied for any type of loan with their company. It was then disclosed to me that a " Pre-screen offer check '' was sent and cashed. I then informed them I had no knowledge of such occurrence. I was told that an investigation would be started. Simultaneously, I also, started disputes with XXXX and XXXX. The company did not have enough supporting ; identifying Information to report such account to my consumer reports, which is a violation of XXXX XXXXXXXX XXXX XXXXXXXX - Congressional findings and statement of purpose Due to the negative account being reported to my consumer reports, I was removed from the house buying process and the home I picked out was sold to someone else. This caused a major blow to my way of life.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$1400.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Asked Chase Credit Card Services if any programs to assist those affected by COVID with credit card payments- Offered to convert the open revolving account to a closed, fixed rate, fixed payment until account paid off in FULL, with interest. 
XX/XX/2021 - Pulled credit report and noticed Chase was reporting the account as under a " partial payment plan '', which greatly impacted credit score. Initiated dispute through XXXX and through secure message on my Chase account XX/XX/2021 - Chase updated information and corrected credit report XX/XX/2021 - Chase sent another credit report to XXXX and put the derogatory comment back into report. Contacted Chase, and was told " that's just the way we report accounts that we move to an account liquidation status '' Refused to correct the false statement on credit report. 

I have also attached the score information from another account that shows they are reporting this as a severe delinquency the way that Chase is sending false information.
Product: Debt collection

I have been making payments on my capita l one accounts. I may not  be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been  XXXX   XXXX   XXXX  for over 4 years and now he has a  XXXX   XXXX  he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.
Product: Checking or savings account

I have been a SoFi banking customer since XXXX. 
On XX/XX/XXXX I deposited XXXX checks ( {$920.00}, {$920.00}, {$4500.00} ) via XXXX deposit. On XX/XX/XXXX, {$500.00} was made available, and then they restricted my account, telling me to contact them, which I did and it went to their voice mail. 
On XX/XX/XXXX, I was able to reach someone on their security team that escalated the issue, but didnt offer any timeline or explanation of what was going on. The first XXXX checks also cleared but I was unable to use any of my funds. 
On XX/XX/XXXX, the {$4500.00} check cleared, but then SoFi returned it again without explanation, and my with account balance of {$1300.00} being unable to be withdrawn or used. 
The alert on the account still says to reach out to them as if that will do anything. Clearly SoFi is unable to function as a banking institution with a security team that works on real time, and their restrictions appear unlawful as they are making me wait to access cleared checks, and returning checks that cleared without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from Experian saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information. 
They need to remove it. 
XXXX. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and XXXX  XXXX.
Product: Debt collection

XXXX XXXX XXXX re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, Santander Consumers. I have pictures to show you
Product: Mortgage

I am with XXXX XXXX XXXX and we are working with a client to release a lien. The company in question however doesn't appear to be a functioning business. I was hoping you could find us the Successor to the company to try and request a lien release from them. The Company is called : ReconTrust Company, N.A. 
XXXX XXXX XXXX XXXX, CA XXXX '