23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have in the last several months received phone calls over a debt that is well over 8 years ago. Although this debt is not being reported to the credit agencies, it continues to be a threat through harrassing and threatening phone calls. The company holding this debt has called and left the following message ( word for word ) : Good Morning, my name is XXXX XXXX and I have an urgent and important message for ..., please contact this office at your earliest convenience recording documents attached to your social security number for immediate processing with your local county courts to receive this important information and also to offset pending proceeding against your name and social. Please contact XXXX XXXX at XXXX reference case # XXXX. Today 's date is XX/XX/XXXX, you have been notified. 

I returned the call to XXXX XXXX. I listened to her tell me she would be filing court papers for a debt against my social for XXXX from Capital One Credit. I proceeded to explain this was the second call in the last few months over a debt that was over 8 years old. I tried to tell her I had already given notification not to make calls to me any longer. She began yelling and screaming at me. I asked her to stop yelling, but she got louder and continued to say ... We will be filing this in the court and move forward to sue you. And then she simply hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are nit mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX  XXXX {$18000.00} XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXXXXXXXX {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX  I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. 
On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. 
The card mentioned above was reported in my XXXX  credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on.

I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.
Product: Debt collection

I have been repeatedly been receiving phone calls from XXXX which I believe is Frontline Asset Strategies. The only reason why I know this is because I called back that number and that is what the recorded message says. Every time they call, they ask for someone named XXXX or XXXX. When I ask what company they are calling from, they will simply give their name. They will not identify who they are calling from. Regardless, they have the wrong phone number. I do not know this XXXX person they are calling about. I have told them numerous times that they have the wrong number and to stop calling. Yet, they still call, sometimes multiple times per day. I have now blocked the number. However, I felt it was concerning that when specifically asked what company they are calling from, the caller will not identify and will only provide his or her name.
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, 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: Debt collection

A company claiming to be CT XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Georgia has been harrassing me by calling from multiple numbers including XXXX and XXXX. 

They have stated they would serve me court papers on Friday of every week, however they have not issued any court papers. They just keep calling and threatening me. 

I have asked them to stop calling me, and they refuse. 

I have asked them for their mailing address or the state where they have licensed attornies so I could file state attorney general complaint, and they hang up on me, but then they call me again. 

They claim they are calling regarding a Chase debt, however I have documentation from Chase that I do not owe them money. 

I believe these people have either mistaken my identity or are fraudsters hoping I will pay. 

My credit report shows I owe no money to Chase.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This organization ( XXXX XXXX ) has been bombarding my home phone ( XXXX ) almost hourly with calls in an effort to collect a debt to which I have no affiliation. I called back to attempt to resolve the problem, but they do not have any record on file for the number they are calling to which normally would be attached to an account. 

Calls are coming from various sources including but not limited to the following phone numbers ; XXXX XXXX XXXX XXXX These numbers have been reported as a spam risk by reverse phone look-up ( XXXX ) citing many other people with similar complaints.
Product: Debt collection

Hello, My income tax has been garnished last year and this year about $ 10k+. I never received an offset letter so that I could make arrangements. When I initially called NCS National Credit Services on behalf of the Dep. of Education to get more info about the loan they could not provide me any information about what the loan was for. Now that all this amount has been taken out I can not get through anyone or get account information with my SS number when calling. Recordings say there is nothing on file. Websites dont work. They have my cell phone number registered and it keeps going to a voice mail. I called from a land line and they answered right away. I cant find any forms or numbers to call to file an offset refund and more importantly I have no idea what this loan is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. XXXX  must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of, this data breach and Equifax has done nothing. Please help me delete these illegal accounts From my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple dispute letters to TransUnion because of Fraudulent Hard Inquiries furnished to my consumer report without my knowledge or consent. Ive tried to call multiple times to make my disputes as well as fax. I have yet to get response by mail. Ive been getting the same phone response from the TransUnion telephone operators. They keep telling me to send in the same documents that Ive already sent in multiple times. Also Ive mentioned to the operators that the company is breaking multiple Uniform Commercial Codes but they still choose not to remove the fraudulent hard inquiries or make marks saying that Ive attempted to have these things removed. Under 15 USC 1681 s-2 ( a ) ( 1 ) theyre in violation because I have informed TransUnion multiple times that have reasonable cause to believe that the information on my TransUnion consumer report is inaccurate and no action to remove the inaccurate information has been taken. Under U.S.C 1681 s-2 ( a ) ( 2 ) ( B ) TransUnion is in Violation because they have not been responsible on their duties to correct and update false information furnished on my consumer report. Under 15 U.S.C 1681 s-2 ( a ) ( 3 ) Theyre in violation because they still have yet to provide any notice of my past disputes. Under 15 U.S.C 1681b ( c ) ( A ) TransUnion is in Violation because I ( the consumer ) did not authorize any agencies to provide such reports. Under 15 U.S.C 1681g ( a ) ( 5 ) TransUnion is in Violation because they shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer but they still did and still choose not to remove them even after I informed them.
Product: Vehicle loan or lease

After this vehicle was traded in for a newer vehicle, my GAP insurance was not paid back to me.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy. XXXX Discharged my loan and reported it incorrectly. 

My mortgage shows up on my credit report as paid off and it is not I have tried to fix that. 

also Best buy shows they pulled a credit report around a time they did not.
Product: Credit reporting or other personal consumer reports

I have sent several dispute and investigation letter requests along with phone calls to Experian & XXXX explaining to them that the charge off debt to XXXX XXXX XXXX is not valid. They never responded within a timely manner nor did they provide a reason for keeping this inaccurate information on my credit file.
Product: Debt collection

I had a second mortgage on my home and went through a bankruptcy in XXXX. BofA then bought that loan which was no longer being paid. When I sold my house in XXXX, the sale could not complete because of the lien for that loan. BofA would not work with the title company and requested an authorization to be signed, which I did on XX/XX/XXXX, along with calling BofA myself. I gave the representative my account number ( XXXX ). She could not find any record of that account number. Finally, she used my SSN and found that I had an account, but that it had to closed because it had been written off ( for taxes, she explained ) so that there was no account to collect on. So then we started down the path of trying to get lien released so the deed could be transferred to the new owners. My closing was XXXX and since they couldn't process that quickly, an escrow was created to allow the sale to proceed. After repeated inquiries by the title agency, a confirmation number XXXX was given on XXXX with the promise of resolution in 10 business days. On XX/XX/XXXX BofA indicated the lien release request had been cancelled and that a balance was due- but would not provide that amount. After numerous contact attempts again by the title company, BofA provided reference # XXXX and again said there would be resolution in 10 business days. On XXXX the title company notified me that they were continuing to try to resolve the issue with BofA but that the Bankruptcy, Payoff, and Recovery division and the Charge-Off division kept redirecting to the other without resolution. On XXXX, BofA finally sent a payoff amount. 

Given the answer given to me by the first representative that I spoke with, that she was answering questions based on actually documents she was looking at as we spoke ( not postulating possibilities ), and the time it took to get a simple payoff requiring the involvement of their payoff division, I believe BofA illegally demanded payment for a written-off debt, using the lien as leverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

PHH Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Foreclosure a XXXX A fake bank note and sold my house. 

Case XXXX In the Circuit Court XXXX XXXX XXXX XXXX Oregon For XXXX XXXX of XXXX
Product: Debt collection

This debt was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy. I take no ownership of the debt but it was included in my bankruptcy and was discharged. It was removed legally because it caused undue hardship. They were notified at that time the debt was discharged and it had gone unreported on my credit report for years. In XX/XX/XXXX & XX/XX/XXXX they falsely reported that I was 60 days late on a payment to them and then they continued to not report for the next couple of months. It is illegal to report false information to credit bureau and illegal to attempt to collect a debt not owed to them.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXX XXXX XXXXXXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - letter sent certified mail disputing accuracy of item XX/XX/XXXX - letter signed for by Experian XX/XX/XXXX - account was not marked with dispute
Product: Credit card

I am sitting here with five letters from different companies where my information has been used to try to apply for credit cards. This happens often from different companies and I am trying to call to let them know this is fraud. How do I stop this from happening and does anybody do anything about this, I have applied for identity theft, and everything that I can to stop this, but it continues. My scores have dropped because all these are being applied to my score. Please help.
Product: Checking or savings account

Hello. PayPal illegally, without explanation, blocked the funds in the account for 180 days. There is no response to our letters. On the hotline, they themselves do not know for what reason they blocked. There are absolutely all the documents, and all of them were provided to the PayPal support service. Please help me get my money back. Thank you.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

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. 

Account Name : 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 and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Hi, i had two police traffict tickets for XXXX XXXX XXXX XXXX XXXX XXXX : the first ticket was inXX/XX/XXXX or XX/XX/XXXX and the second police ticket was at the end of XX/XX/XXXX or beggining of XX/XX/XXXX. Now i received a letter from the company i applyed to work with that my criminal record it is still available or funtioning from XX/XX/XXXX until XX/XX/XXXX and the criminal report does not specify that was a XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX. The job fair that i attended was organized by the career source of XXXX XXXX  where i was attending since XX/XX/XXXX because i am receiving economy monetary support of XXXX dollars monthly, but had many bad experiences while speaking with the persons that work at this office call : the career source of XXXX XXXX  locate in the city of XXXX. My first infraction ticket was in XXXX XXXX, XXXX, in XX/XX/XXXX or XX/XX/XXXX and the second ticket was in XXXX, XXXX. And in the paper report says that both tickets are name as XXXX  and XXXX. I think that one of the tickets was a XXXX   and not a XXXX. If you can help me with this criminal recorf that i have that i was denied employment offering by the XXXX XXXX XXXX and the work interview was inside of one of the offices of the career source of XXXX   XXXX  that are suppuso to help you find work but in my personal opinion it is a waste of time because they let private companies do whateber they want with persons trying to find a stable work. Thank you for reading my letter and personal concern.
Product: Debt collection

I received a notification that I had an adverse account that was posted to my credit report. I called SOUTHWEST CREDIT SYSTEMS & was told that they sent a letter in XX/XX/2018, which I NEVER received. So three years later & with no communication, they slap this on my account. I read the reviews on this company & they are notorious for doing this to consumers.