23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received at least two texts from Unifin debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, XXXX XXXX. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!
Product: Debt collection

The agency creditors specialty service repeatedly sends letters to my address for a former tenant despite my informing them that the individual does not live here and has not lived here for greater than four years. They had stopped for a while but now they have resumed despite my returning their mail and sending letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX XXXX XXXX XXXX XXXX XXXX, This is a follow up complaint to complaint # - XXXX ( attached ). 

I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my XXXX credit report. 

It currently shows on XXXX and XXXX- it is not showing on XXXX. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX + XXXX ( with all of those account details )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See Hurds Rev Stat Chap 32,36.

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.

U.S. Homeland Security and Border Protection Cop-06-00039 - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose.

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Product: Credit reporting or other personal consumer reports

It is frustrating to have discrepancies across my credit reports. XXXX has mostly accurate information, except for the XXXX XXXX XXXX XXXX. However, XXXX and Equifax did not remove this account, and it remains on your credit report, negatively impacting your credit score. My Capital credit card balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX % utilized. 

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 Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604A 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 reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 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

RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} ; XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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

My account was charged off and is now no longer required to be reported on my consumer report please see attached documents!
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. 

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 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 an 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: Payday loan, title loan, personal loan, or advance loan

At the end of XXXX I received an alert from one of my credit monitoring alerts that I had a 30 day late reported from my personal loan from Rocket Loans. I was surprised because I knew the payment had just cleared my account. I knew that my payment was late, I was running a couple of weeks late but it was not more than 30 days, I was shocked. So when I got a call from Rocket Loans on XX/XX/XXXX I asked them why I was being reported a 30 day late for {$15.00}. The notes on the credit report showed I was late for {$15.00} and when I looked online it seemed like it was for a {$15.00} late fee. The lady said yes it was reported for the {$15.00} late fee and I explained how asinine that was and I needed a supervisor to clear that up because my contractual payment was made within 30 days. So she put in a request for a supervisor to call me within 48  hours. So I finally get a call on XX/XX/XXXX from a XXXX from there escalation team who tells me the representative explained things incorrectly to me, that it wasnt the late fee that was reported. However what happened was that when my payment was made they took the late fee first which made my payment short by {$15.00} and that is what made me late because there wasnt enough money to make the payment after they took there {$15.00}. I dont know how he thought this was a better explanation, but I asked him how could they take their fees first before applying the contractual payment forcing me to be late and creating more fees and negative credit reporting? And he could not give me a straight answer. I told him that their way off processing payments hurts their customer and only benefits them as a company. If they had not taken their fees first and applied the payment I would not have been late. I have never had a company take their late first fees before applying the contractual payment. I was in a tight financial bind and could not pay both at the time but was trying to make sure my contractual amount was taken care of but instead because of their unethical payment processing practices I dropped over XXXX points on my credit. In the end they refused to reverse the credit reporting and the only thing they would do is modify my loan. I do not think the way they process there payment is ethical and really should be investigated. This is not right.
Product: Credit card or prepaid card

I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.
Product: Credit reporting or other personal consumer reports

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 the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Mortgage

Wells Fargo LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX We are alleging the following : 1. Racist Servicing Activity - Wells Fargo follows a consistent pattern of neglect against minority borrowers. We have seen this on all of our short sales with XXXX borrowers. 
XXXX BORROWERS are NOT treated this way. We have never had to file a CFPB complaint against Wells Fargo with a XXXX borrower. 
2. Refusal to Send NOSS to Borrower. ( This was our previous CFPB complaint ) The Bankruptcy Attorney never received a copy either. At what point is the CFPB going to realize that the 'responses ' given by Wells Fargo to the CFPB Complaints are nothing but LIES??? 
3. Wells Fargo representative XXXX XXXX of the presidents escalation office, on a recorded phone line, stated that her legal department ( the same legal department that condoned and promoted the illegal opening of XXXX FAKE BANK ACCOUNTS ) is not required to follow ECOA ( Equal Credit Opportunity Act ) guidelines and FDCPA ( Fair Debt Collection Practices Act ) - these were put into place to protect the borrower. 
XXXX Wells Fargo has taken the stance that they do not have to follow laws that were put in place to protect their own clients? 
XXXX. Deliberate and calculated 'misunderstanding ' of the issues when posed for escalation. We believe this has everything to do with race and the location of the home. Wells Fargo has already lost a major lawsuit in XXXX XXXX County for doing the same thing they are doing on this file with this minority borrower. This is purposeful avoidance of the real issues with Discriminatory Minority Servicing practices. 
XXXX. Where and how Wells Fargo came up with their value for this property. We want to be able to work through the value issues on this property and successfully conclude a short sale. We are being prevented from doing so by every department in Wells Fargo, no one will discuss the fact that this property was listed since XX/XX/2016 starting above their " list price guidance '' figure of XXXX. No offers were generated until the last price drop to XXXX and the only offer the listing agent was able to obtain was for XXXX. Because WF refuses to produce their value report, we have no way of knowing what - if any - damages were noted, and the size condition and location of the comparable properties that Wells Fargo has used to come up with a value. While we have provided inspection reports and contractor 's repair bids, no one at WF will discuss this with us. Their value is TOO HIGH for the property in its current condition and we have sent the evidence to support that to WF on multiple occasions. By refusing to discuss reasonable and appropriate market value for this property, WF is preventing the borrower access to reasonable alternatives to foreclosure, and is attempting to extort any potential buyer into paying above market value.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under tracking according to Tracking Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you k this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human tracking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$2400.00}, XXXX XXXX AUTO XXXX. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

2. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

8. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

9. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Product: Debt collection

National credit adjust has falsifying put a collection on my credit reports. I have never had any contact with this company, nor have I ever received proof of this debt by mail, phone, or email. It appeared on my credit report XX/XX/2023. Nor have I had a debt with XXXX  which it lists as the original creditor.
Product: Checking or savings account

On XX/XX/2024 the IRS deposited an amount of XXXX $ to my closed chase account with a standing balance of XXXX. I called chase that day and asked for a check they said it was sent back to the IRS and should take a week for them to receive the money. A week passed and the IRS didnt receive the money. I then called chase again and they said they paid the balance on my closed account and issued me a cashier check and sent it to an address in ANOTHER STATE where I do not live. Ive requested the change of address so many times when I did bank with chase. They told me I had to file a declaration of lost check form to void the check and that if I had a new account they can wire the money to there. I opened a new account that same day, and was told the back office received the form and that my money would post on the XXXX of XXXX in my new chase account. I called the XXXX and they said it will be processed later that day after XXXX. The morning of the XXXX I called very frustrated and the guy told me I had to fill a form to request the money gets wired to my new account, I asked for a supervisor and after being on hold for 30 minutes he apologized and said he was wrong and that the money will be there by XXXX. XXXX XXXX  I called and the lady said its still pending and should post by XXXX. It is XX/XX/XXXX and theres still nothing. Ive been dealing with this since XX/XX/XXXX at this point I feel like people are lying to me and if thats the case they shouldnt be working at chase and I want to know where is my money.
Product: Credit card

For a few years I have been having problems with my card being charged for purchases I haven't authorized. It got so bad that I have had to change my card 4 times and the same charges continues to show up on my card. I even disputed the charges and they still continue to reoccur. I was told at XXXX point that since they were reoccuring charges that it will follow each card I replace it with even without my authorization. My last card I never even activated but still has charges coming to it that are not late fees or interest. I have XXXX of dollars of false charges because I didn't realize how long the unauthorized charges were going on and when I tried to dispute they keep putting the charges back. I requested statements so I can review thoroughly what is going on but they say they don't have a record of me requesting it. I don't know what else to do to stop the stealing on my credit card...