23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receivables Management Corporation, This third party collection agency has attempted to collect a medical debt from me. They have sent me an itemized statement with all medical procedures done which is in violation of Hippa. I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights. 
List date : XX/XX/20 Amount : {$1000.00}
Product: Credit card

My soon to be ex-wife took out several credit cards and loans out in my name and left me with about {$30000.00} worth of debt that collection agencies are trying to get me to pay, and ruined my credit.
Product: Student loan

There is a third party debt collection company called " General Revenue Company '' that continues to call me, numerous times a day sometimes back to back, concerning a " student loan '' that is roughly 10 years old. They have contacted XXXX or more people who are not family members trying to " get information '' about me. I returned the call and updated all of my demographic information and told them that I would not speak with anyone about this until I receive written correspondence. They continued to call. I called them back today to let them know that they are harassing me and I would be following through with a complaint and XXXX stated that I owe student loans and they will move toward " garnishment '' of my wages. I hung up on them. 
I have a call log and they are on it daily, numerous times a day, even after I requested that they do not call me back.
Product: Debt collection

I am a victim of identity theft and I did not make this purchase.
Product: Debt collection

XX/XX/XXXX I received an alert from my credit monitoring service of Portfolio Recovery Associates, LLC attempting to collect on a debt that I do not owe. Account number XXXX XX/XX/XXXX I sent a certified letter requesting debt validation. The letter was received and signed for on XX/XX/XXXX by someone named XXXX XXXX. 
XX/XX/XXXX I emailed XXXXXXXX requesting debt validation. I received an account summary dated XX/XX/XXXX which states VALIDITY. Im not requesting validity my request is for DEBT VALIDATION. 
XX/XX/XXXX I emailed XXXX requesting debt validation again. Once again I received a letter dated XX/XX/XXXX from the Disputes Department as an account summary. My request is for DEBT VALIDATION XX/XX/XXXX I emailed XXXX once again requesting debt validation and to advise them I would not accept an account summary as debt validation. Its a big difference in the two. 
XX/XX/XXXX I emailed all three credit bureaus advising them that Ive requested debt validation from Portfolio Recovery and as a consumer debt validation must be provided. 
XX/XX/XXXX I sent yet another certified letter which was received and signed by a XXXX XXXX. No response as of today. 
Ive used every resource provided by the credit bureaus and Portfolio Recovery to get this inaccurate information removed from my credit report.
Product: Debt collection

I keep receiving phone calls from Citi Bank out of XXXX XXXX, MO phone number XXXX. The calls are for an individual named XXXX XXXX and that is not me or my name. I have had my phone number for 19 years. I have no association with XXXX XXXX. They will not remove my number from their call list. They have recently called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX,XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. After the first 2 days of telling them they have the wrong number and to remove my number from their call list. I starting ignoring the calls.
Product: Mortgage

Attached is the most recent tax bill for XXXX issued by XXXX XXXX XXXX Collector. It states please contact your mortgage holder to confirm payment will be made. If paid by XX/XX/XXXX the amount due is {$3000.00}. Upon log in to my account at Union Home Mortgage on XX/XX/XXXX, the escrow balance is {$3200.00}. Therefore, there is enough in the escrow account to submit this payment in a timely manner. Confirm when payment will be sent.
Product: Credit card

I have a fraudulent credit card in my name With bank of America without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Failing to Address Fraudulent Account Disputes I disputed multiple fraudulent accounts with all three credit bureaus. XXXX and XXXX removed the accounts, but TransUnion has failed to do so. Instead, they blocked my access to my credit report and online account, preventing me from monitoring or updating my credit information. 

TransUnion has also failed to respond to my dispute within the required timeframe under the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation into their actions and immediate resolution of this matter, including the removal of fraudulent accounts and restoration of my access. 

I will provide a list of the disputed accounts for review. 

Thank you
Product: Mortgage

I received federal mortgage assistance from XXXX and was approved on XX/XX/2022 for my past due mortgage in the amount of {$37000.00} which paid up my account through XXXX, with forward payments to begin XX/XX/2022. I provided Freedom Mortgage with the approval letter the same day. When applying the funds to my account, Freedom Mortgage only applied $ XXXX which was the balance of my account up to XXXX and had my account showing that a balance is due for XXXX. I first contacted Freedom Mortgage about this issue via email on XX/XX/2022. I did not receive any correspondence or reply back. I called customer service also who were clueless as to why that amount was on my account instead of what is clearly shown on the approval letter. I called XXXX and they verified and restated that I was approved for {$37000.00} and that what was sent to my mortgage company. I am unable to pay XXXX 's payment and do not want to be reported late to the credit bureaus.
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX inquiries - XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I noticed this collection on my credit report. I called the company that placed the collection. they contacted the the company that place the debt with them. They reported to them that the bill was paid and that I do not owe them any money. I called IC System that the collection is still showing on my credit reports. I received a letter dated XX/XX/XXXX from I C Systems that the debt was paid and that they will no longer pursue collections and the information they reported to the credit agencies ( XXXX, XXXX, XXXX ) will be deleted. I have a copy of the letter. This collection was not removed and I disputed this collection with the credit agency. The credit agency updated the information from IC Systems as accurate. I contacted IC Systems about the collections still showing and verified as accurate. They stated there is nothing they will do or can do to correct this. Please help me resolve this issue. 

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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX BANK ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 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: Mortgage

The whole process with Bank of America was extremely unprofessional. First off, the loan officer I was working with spoke to me on a cell phone and not a recorded line which is violation with regulations. This took place from the time I started the process with them ( est : XX/XX/XXXX ) till I refused to talk to him anymore ( XX/XX/XXXX ) I told my loan officer multiple times that I wanted to escrow both my property taxes and HOI. He even emailed me at one point asking if I wanted to escrow my HOI and I told him again yes. I went to closing and the closing documents did not have me escrowing my HOI. Due to Bank of America already missing my closing by more then a week and how long it took them to create and send over the closing documents, I just proceeded with signing to cause no more delays. 

The whole Bank of America team was extremely unprofessional and inefficient. They were not sympathetic what so ever after we missed my closing date. During this whole process my loan officer messed up several times on my estimates and kept requesting for the same documents. Whenever me or my realtor would ask for an update he would not respond and the off chance that he did, he'd just reply " Working on it ''. We tried to contact his managers and even branch VP which for weeks none of them responded. After multiple attempts they final started responded but with the same short and unhelpful responses. I even attempted to go into a branch close by to me and see if someone within Bank of America could get ahold of someone for an update and they couldn't. On top of all of this, after the 3rd time we had to reschedule closing, my title agent reached out to my loan officer and was able to get in touch with him. She wanted an update on when she would receive the documents and he used profanity towards her.

I'm a mortgage loan officer and have worked and done business with a good amount of lenders. In all my time I've never seen such an unprofessional process from beginning to end. I hope everyone can see this and hopefully steer them from going with Bank of America in the future. I've talked to a few other people who have gone with Bank of America and they've all had similar experiences. I have been banking with them for over 10 years and will be changing banks immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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

I have opened a BOA Cash Rewards Visa Signature Card on XX/XX/XXXX with promotion of " spending XXXX then get XXXX credits ''. 
But after finishing the consumption, I did not receive it. 

# XX/XX/XXXX # I emailed the problem to my banker and get a reply of " rewards will come in 90 days since account opened '' # XX/XX/XXXX? # I called them because I did not receive anything. It seems they mistook the money I paid for my bill as a reward. After the explanation, they agreed, established a case for me, and said they will add the rewards soon. 
# XX/XX/XXXX # A letter came and told me again that they have added {$200.00} to my account.
Product: Debt collection

I have requested from the collections company several times by certified mail to verify the debt by providing me a contract or document with my signature and where I agree that my personal medical information could be shared with outside parties. I have yet to receive this.
Product: Credit card

XXXX/XXXX/24 I saw XXXX debits on my account from XXXX of {$180.00} and {$6.00}. I called right away to report this to the bank and they block my card and sent me a new one. A few days later, I started getting the packages from XXXX. That meant someone knew my home address. I reported to the police and filed a case. I called XXXX, I provided the order number and they clearly saw and stated that the account was fake. They said they will file a complaint to fraud department, they also said to discard the items. A few days after XXXX, my bank gave me another credit for the same thing, so I called and reported the double credit. They reversed on XX/XX/year>. In the meantime I kept receiving packages from XXXX. I called every single time and they gave me the same exact answer. When I thought that everything was done, I received a letter from my bank stating they denied my claim of the biggest transaction {$180.00} but the smallest one the said it was fraud ... That was weird. I went to the bank in person, they told me XXXX provided proof of delivery on my house. Of course they did! Whoever stole my debit card information, got my home address as well. I reported to XXXX numerous times. So, my bank left me alone and did not fight for this. They told me to call XXXX, so I did, AGAIN. I spent an hour and a half on the phone with XXXX. A supervisor gave me the information of the fake account, clearly a made up name and made up email address and a phone number that does not exist. So, I said to him, why you did not tell my bank this was fake? And he read the report stating that the account was fake and my identity was stolen. Apparently my bank did not care at all. I went to the bank AGAIN the next day, with all the proofs, police report and everything. They basically said : XXXX you. I called XXXX AGAIN and the said the same thing. I read my rights, and I should not be financially responsible for this. I want my money back and my bank to stand up for me and refuse to pay to XXXX. I have proofs of everything if needed. I also reported XXXX to XXXX.
Product: Money transfers

I ordered a money transfer to XXXX via Ria XXXX XXXX on XXXX/XXXX/2015. Prior to this, I used their service few times and never had an issue. On this occasion, XXXX was unable to credit the money to my recipient 's account within XXXX business days. I requested the order to be cancelled on XXXX and till today they have n't refunded my money. I keep calling their customer service everyday, and each time the give me an unacceptable reason that the correspondent bank is not acting fast enough. As a customer I do not care about their partners. It has been over a week now and I am still waiting to get my money back from Ria.
Product: Credit card

On XX/XX/2023 I bought a XXXX laptop computer at the BestBuy XXXX XXXX XXXX, CA store for, prior to the promised 10 % immediate discount, {$460.00}. Salesperson " XXXX '' offered 3 payment options : 1. Pay in full. 2. Finance the purchase. 3. Sign up for a BestBuy VISA credit card and get a 10 % discount on the first purchase- which was the XX/XX/2023 purchase of the aforementioned XXXX laptop computer. 

Though I have two other VISA credit cards, the 10 % discount was attractive and I signed up for the BestBuy VISA credit card. " XXXX '' gave me the credit card approval document ( see page 4 of the attached documents ) and said that the 10 % discount would appear on the subsequent statement ( see page 2 of the attached documents ). 

As you can see from page 2 of the attached, the 10 % ( {$46.00} ) off the aforementioned purchase did not appear, and I called BestBuy credit services and was told that " XXXX '' was mistaken and I was to receive a {$40.00} off certificate for a FUTURE purchase, not what I was told. I DID subsequently receive an email offer of {$40.00} off a FUTURE purchase, with an expiration date. I was puzzled why I was misled. 

I disputed this matter, and a few days ago was told by a BestBuy credit services representative that my dispute was denied- no documented evidence that " XXXX '' told me that I would be getting an immediate 10 % off the XX/XX/23 purchase of the XXXX laptop computer. I was therefore responsible for the {$46.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with the CRA XXXX  XXXX   and Equifax. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Product: Debt collection

On or about XXXX XXXX I visited a nearby XXXX XXXX store to shop for a less expensive phone plan. I was directed to a desk where the only option was XXXX. I spoke with their rep and he set me up with a cellular phone and a new plan. The very next day I began receiving e-mails from XXXX. The plan turned out to be much more expensive than I was told it would be. I immediately sent the phone back to XXXX. The instructions did not mention that returning the phone does not close the account. If I had been informed of that I would have done whatever was necessary to cancel the order. A few weeks later I received a call from XXXX and explained that I thought that returning the phone closed the account and cancelled the order. The rep didn't sound as though he cared. On XX/XX/2025, I received a letter from Prince Parker and Associates to " collect the debt '' of {$300.00}. I believe that XXXX has had plenty of opportunity to inform me that returning the phone does not close the account. I also believe that the instructions for returning the phone should clearly include this information. I respectfully request your assistance with this matter.
Product: Debt collection

I 'm not sure where this debt is from and who is the initial party
Product: Credit card or prepaid card

In XX/XX/XXXX I applied at the same time as my husband did we both submitted the the same household income his credit score was about XXXX my score was about XXXX. My husband received a credit limit of {$9000.00} and I received a credit limit of {$4500.00}. I contacted the company today online and below is the explanation I received from the company today XX/XX/XXXX regarding this matter. 

Discover You're very welcome and thank you so much for your patience today. Keep in mind that messaging is a conversation that stays open to you so you can come back whenever you want. We'll respond to you as soon as possible and send you a notification once we do. I can certainly understand your concern in why your approved credit line wasn't quite aligned with the same household income as your husband. Just know that we process applications for the maximum credit line you may qualify for. Everyone 's credit information varies and that's how credit lines are determined. However, you can request a credit line increase after 3-6 months. Was this information helpful?
Product: Debt collection

ANY/ALL agents continue to violate me in due process of XXXX and/or XXXX Securities and exchange act. They have been properly notified and aware of Any/All agents actions.