23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently I began receiving phone calls requesting to speak with my mother who has been dead for more than 9 years. The first few times the caller hung up when we told them she was unavailable. Then they began asking to speak with me, or my mother. After I would " verify '' my name I would be asked to verify my social security number, or my address, date of birth and or email. When I would refuse to give my ss # the caller would become more aggressive and demanding saying I have an outstanding bill and need to pay the collection agency that they are with. Today ( XX/XX/2017 ) I thought I would make an attempt to clear up any misunderstandings. After a hostile " conversation '' with " XXXX '' ext. XXXX at the phone # XXXX I had to resort to filing a complaint with the Indiana State Attorney General 's office who then told me this was a scam and to file a complaint with the Federal Trade Commission. XXXX was extremely hostile and aggressive on the phone. Insisting that I verify personal information even though he called my phone number. He stated that my mother owed a timeshare company, XXXX, almost {$3000.00} and that I too owed that amount. I stated that she was deceased for over 9 years and that all debts from her estate were paid in full when her estate was closed. He insisted that I was named in this invoice and that I was being aggressive and hostile because I would not verify personal information and had hung up on calls when I was requested to give them this information. He continued to yell at me through the phone. When I asked for proof of a contract she said I would have to call member services to receive this documentation. 
I asked for his information and after several and specific requests this is what I was provided : XXXX. EXT XXXX XXXX Zealandi ( I verified the exact spelling ) XXXX XXXX XXXX. 
XXXX, N.C. XXXX These phone calls are extremely harassing. 

This company and any complies associated with this ( including the timeshare " XXXX '' ) needs to cease calling my home, cell phone, sending emails and mail. 

Any credit reports filed against me or against my mother need to be removed immediately.
Product: Credit card

An account was opened for CapitalOne on XX/XX/23 using my identity. I only found out about this account until XX/XX/23 once it affected my credit score. I quickly had the account closed and asked CapitalOne to investigate. They concluded the account was not fraud and refused to share how they came to that conclusion. They say that the credit card was sent to my address and that the transactions had somehow " benefited '' me, yet I dont have access to this account. I tried to ask them what email or phone number they had on file and they refused to comply or elaborate more on their investigation. I have called XXXX and they say my dispute is in process but capital one has confirmed the account as not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account 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
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX, Texas XXXX I want these inquiries to be deleted from my credit report. I did not authorize these companies to run my credit report that is fraudulent. I do not have lines of credit with any of these companies and never applied. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a phone call XX/XX/XXXX at around XXXX from an unknown number at work and the message stated I would be served with papers for a civil claw suit against me within 72 hours if i did make arrangements to pay, and since I had not responded to a letter set to my house back in XXXX of XXXX. They person told me to call another phone number for more information. I called the phone number and was told that I was being sued for an account I had with XXXX that either had bank fees collected over time or that I over drafted and did not repay the money back. he was not sure which. but if I did not set up a payment within 72 hours I would be served to go to court and to pay the court fees along with the amount I owed of XXXX, stating that would equal up to XXXX dollars I would have to pay back. I asked for an email from the company to see what i am being charged for and still does not explain what fees or overdraft document of this bank account.The man stated i would be working with the XXXX XXXX XXXX to pay back the money but not sure who i was making payments to.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, at about XXXX XXXX  I called the number XXXX XXXX XXXX thought I was calling Robinhood to transfer my funds to my checking account. After a lengthy Verification, the person at the other end of the phone manipulated my phone from his end and told me that the money will be in my account in XXXX minutes. He asked for my checking account number which I refused to give when I suspected fraud. He then asked for my XXXX XXXX information and asked me to send him XXXX via XXXX XXXX. I refused but he continued to tell me that the money will be in my account in XXXX minutes. I ended the cnversation but when I check my Robinhood account I saw where my {$1300.00} was transferred to XXXX a XXXX account under Robinhood. I contacted Robinhood via text who said they could not help me to get it back. The Wallet address they gave me is XXXX Please help me to retrieve my money from Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax like the other 2 bureaus was notified by XXXX XXXX to delete an account which we came to an agreement and completely resolved, but EQUIFAX continues to falsely report items. 
Amount : {$970.00} - Unknown Account Number - Original Debtor - XXXX XXXX Equifax has not taken any action for over 90 days now for both XXXX  and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX I sent letters to each of the three bureaus through certified mail requesting investigations on information on my credit reports that were highly inaccurate and has been negatively impacting my ability to obtain credit. I also requested the inaccurate information to be removed and then updated credit reports be sent to me. Rather than investigate my claims, the three bureaus did not remove more than one or two small items like inaccurate personal information and I never received updated credit reports. 

On XX/XX/year> I sent another round of letters identifying the errors on my reports and I again requested investigations be opened, inaccurate items be removed and updated credit reports be sent to me and I have heard nothing from any of the bureaus. In short, they are all failing to comply with their own policies in a timely manner. I have proof showing I have sent these letters to Equifax, XXXX and XXXX - and I am positive I have the correct addresses because I sent the first round of letters via certified mail. 

Thank you.
Product: Checking or savings account

I have a checking account for a business at Bank Of America, XXXX XX/XX/XXXX I deposited 3 different checks for XXXX each from the same person with three different dates. The check were from XXXX XXXX and they were dates as follows : -check numer XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX On the XXXX of XXXX my bank Bank Of America pulled out {$150.00} from my account claiming that a check was double deposited. 
I filed several claims at several dates and the answer was that they can '' t fix the issue and I myself have to contact XXXX XXXX and claim the money.
Product: Credit reporting or other personal consumer reports

This account was sold to the consumer in question this account was paid for in full by the state of XXXX XXXX XXXX which means it can't be paid twice by law I'm protected also by law I didn't give permission for XXXX to advertise it on this account also protected by law this is a form of identity with both parties for not getting permission
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish a ccount without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX agency is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Product: Credit card or prepaid card

XX/XX/2021 I had used my discover to visit a supposed doctor in which i backed out and he still kept my XXXX. I have kept all of the hateful texts and he never did anything. Even claimed he was reading the results to my tests however, I have other doctors that ordered them and they had already read them. He was very hateful and only refunded me for a test I was not going to get. He would not refund me the XXXX said it was his time. He did not do ANYTHING
Product: Credit reporting or other personal consumer reports

Affirm has reported that I have multiple accounts and will not remove the accounts I have disputed with XXXX and they will not correct it or show proof of ownership
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian, requesting a detailed description of the reinvestigation procedures for disputed items on my credit report. 
To date, I have not received any response from Experian regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Experian has violated my rights as a consumer under the FCRA. 
Furthermore, I reviewed my most recent XXXX report, which shows no bankruptcies. Since XXXX is the primary source of public record information used by credit bureaus for verification, this demonstrates that Experian can not verify the accuracy of the bankruptcy reporting on my credit report. 
I am including a copy of my original dispute letter and the XXXX report for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with Equifax and i have been disregard
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Mercedes Financial has been reporting incorrectly to all bureaus and I have written letters and contacted them directly no correction has been made. I even wrote the bureaus and still over 6 months no corrections. Also they have reported 3 late payments and I was never late. I would like this resolved because of inaccurate information for the loan payment amount which should be {$810.00} they show {$760.00} which I have a contract so do they. I have done my part numerous times and bureaus only tell me its correct even though my contract says otherwise.
Product: Credit reporting or other personal consumer reports

My only address is " XXXX XXXX XXXX XXXX XXXX, FL XXXX ''. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Mortgage

Again XXXX XXXX, XXXX has scheduled foreclosure Sale on my house. The foreclosure sale date is scheduled for XX/XX/XXXX. The foreclosure sale Notice I received from XXXX XXXX XXXX, XXXX said that please find enclosed advertisement of the foreclosure sale as published in XXXX XXXX XXXX. I did not and could not find any advertisement in the foreclosure sale Notice I received in the mail on XX/XX/XXXX. It is a false claim. 

Since the last foreclosure sale that was scheduled for XX/XX/XXXX, Mr. Cooper have not tried to reach out to me with respect to my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. So I do not understand the reason for the foreclosure sale on my house. 

Nationstar Mortgage now called Mr. Cooper have tried on so many occasions, very hard to unilaterally resolve the HAMP Loan Modification I applied for in XXXX. This is in violation of the HAMP Loan Modification Program guidelines. The HAMP Loan Modification Program guidelines specifically stated that in order to resolve the HAMP Loan Modification it has to be resolved bilaterally and not unilaterally. 

My other complaints are 1. I suspect that fraudulent activity is taking place in my escrow account statement I recently received from Mr. Cooper. 2. In the Informational Statements I received from Mr. Cooper, Mr. Cooper is trying very hard to collect from me the sum of {$440000.00} which is a violation of the Virginia Bankruptcy Law. I believe these complaints should be investigated.
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 reports. I am unable secure permanent housing for this reason. Thank you.
Product: Debt collection

We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 
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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

GOLDMAN SACHS AND CO XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GOLDMAN SACHS AND CO customer service representative. 


I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.