23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year fall our family changed phone companies. We stitched from XXXX to XXXX & XXXX XXXX 
I went on the website to make my final payment to them in XXXX & I was locked out of the account. I called XXXX & I was told by a representative that since I no longer have an account with the company ; I therefore have no longer have no access to my account. No bill was sent to my address. My monthly bill with them would usually be {$350.00} per month. 
I called several times and the representative would tell me I now owe {$650.00} due late fees and other fees added. I disputed this amunt and agreed on a settlement of {$350.00} on XX/XX/XXXX of this year. The representative assured me that this was an agreement and no more atttempts will be made to contact me regarding anymore payment. 
However Frost-Arnett a collection agency in Tennessee has been contacting claiming I owe them {$290.00}. This claim has also showed up on my credit report which is frustrating.
Product: Debt collection

On XX/XX/XXXX a person used my maiden name ( XXXX XXXX XXXX, a false address ( XXXX XXXX XXXX ), and the last XXXX digits of my SSN to open a XXXX XXXX account. I was unaware of this activity until I received a notice from XXXX Bank on XX/XX/XXXX that the debt had been sold to Porfolio Recovery Associates, XXXX. On XX/XX/XXXX, Portfolio XXXX sent me a notice that they had acquired this debt and were attempting to collect it. Shortly thereafter, I reported the error to XXXX bank, the three credit reporting bureaus, and XXXX XXXX. 
On XX/XX/XXXX, XXXX notified me that my dispute has been resolved and they acknowledge that the debt was not mine. I have also successfully flagged XXXX XXXX XXXX as a fraudulent address on my credit reports. However, because Portfolio XXXX has moved to collections and disputes my claim of fraud, this debt still appears on my credit report. 
Today, I filed a police report.
Product: Debt collection

Ive sent the company a validation letter certified mail. 15 us code 1692c. Says all communication must stop until debt is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX Equifax Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that I never gave consent to XXXX or Transunion permission to furnish the following information : XXXX XXXX XXXX  Account # : XXXX. This information was put on my credit report illegally. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. These companies were notified of this violation and must take steps to correct it. XXXX already deleted this unlawful account. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Experian will not correct the spelling of my last name and will not delete my previous addresses. Misspelled names and unnecessary data on my consumer report puts me at greater risk to identity theft. I have updated all relevant accounts to the current and correct address. 2 prior requests to Experian to correct the data have been submitted via certified mail but I've only been ignored. Please take notice of the attached credentials and receive receipts. 

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is disrespecting my privacy.
Product: Debt collection

XXXX account balance was paid directly to XXXX XXXX technician during service call ( {$87.00} ). I was unaware of any balance owed as Id moved from my old house and the account was not switched from my name by my roommate that stayed. I then found that credit collection services opened an account ( XX/XX/2014 ) with the original creditor named XXXX XXXX. When I contacted CCS ( Credit Collection Services ), I told the representative that the debt was paid already and they said that I owed a fee for them managing the account. I paid their fee even after I explained the situation with the company over the phone. They said even though I paid them their fee, they would not remove the account unless they had a letter from XXXX stating the debt was paid and can be removed from my credit report. Ive contacted XXXX and they were not been able to find the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

COVID-19 Deferment offer I have a 30 year mortgage with Bank of America acct # XXXX. 
This mortgage was funded in XXXX and I have never been late until covid-19 Beginning in XX/XX/XXXX I called Bank of America customer service and spoke to a XXXX in the call center to learn more about COVID-19 relief. At this point in time the customer service team was not thoroughly trained on what was being offered and the initial customer service rep did not even know the difference between forbearance and deferment!

I was referred to a supervisor ( XXXX ) in the Tennessee office who advised me to call back after she had more information. I called back after 24 hours and verified with supervisor that I would be given a true Deferment option after 90 days which would add 3 months onto the end of my 30 year term as opposed to asking for a balloon payment of 3 months mortgage or modification of my loan with all the interested added to my principle. I was very, very, very clear about this and the difference between the two. 

I also said that I probably would only need 2 months not 3 but was also advised too wait the full 3 months and build up any reserves I would need. Which further compounds a forbearance issue.

After, signing up for program over the phone ( which at no point did I agree to forbearance terms nor did I sign forbearance terms ) I did not make XX/XX/XXXX mortgage payment. 

After, a month I received a notice in the mail that I had a mortgage specialist assigned to me and that I was on the forbearance program! I tried multiple times to contact the specialist who never, ever called me back. I then called customer care again on XXXX and spoke to a ( XXXX  ) & ( XXXX  ). re-explaining that I was on a deferment and not a forbearance and they said the specialist would call me back! ( nobody called me back ) I called one last time on XX/XX/XXXX again reaching the same rep ( XXXX  ) who said she would transfer me to a supervisor but was disconnected during the transfer
Product: Debt collection

On XXXX XXXX XXXX after getting my pay check deposited I went to put some gas in my vehicle & noticed my bank account had " 0 '' balance. I contacted XXXX XXXXXXXX XXXX & they told me I have been sued for {$9000.00}. I was in shock because I don't owe nobody & I haven't received any Court order citation. They provided me the name, case # & phone number from the Law firm is suing me & it's as follow : O & L Law Group, Ph : XXXX. They are Located at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX. Since the {$1200.00} was the only money I got in my account, I haven't been able to buy food or move my car. I called this Law firm Today & provided my case #, so they tell me what is this about & they asked me for my Social security number. I realized that this is an scam & didn't give this information. They told me they won't help me if I don't provide my social security number. I look at this case # in Court record & it doesn't exist. I searched for " O & L Law Group '' & there are several complaints on this business reviews about them getting into people 's bank account and unlawfully suing them without previous Court order citation.

I am requesting an investigation on this " O & L Law Group '' unlawful business practice which it is causing mental and financial damages and distress on people. Also, I am requesting they refund my bank account money as soon as possible. I don't have money to eat, put gas on my car. Like me other people have been hurt by this Law firm & if they don't get investigated future damage will be done on others.
Product: Debt collection

I have an alleged debt with LVNV Funding LLC. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted LVNV Funding LLC and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what LVNV has on my credit report the alleged debt account was opened in XXXX of XXXX I was living in Florida in XXXX of XXXX. There is no XXXX XXXX Branch bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want LVNV to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from XXXX and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from LVNF Funding LLC. I have also filed a dispute with XXXX  and am unable to file one with XXXX because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3.
Product: Debt collection

on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???
Product: Mortgage

refinanced my house and ended up with flagstar Bank who let me ins. policy lapse and put forced placed ins. on which increased our payment over XXXX dollars a month, fell 2 payments behind, called and made arrangements and they refused to accept our payment.got attorney general involved and they sold our house at sheriffs sale behind our back.i wentr to a HUD approved housing counselor and the mortgage company refused to speak with them because the call was being recorded got .HUD involved and they said mortgage company had to rescind sale and do loan modification, they rescinded sale and turned around and started foreclosure again, mortgage company said go and apply for loan modification and their lawyers took us to court for eviction i called mortgage and they said sorry you should have never been told you could do a loan modification. I have the letter they sent and the application and they still refused to help us save our home. I do not understand how it is they can get away with this. we were in the middle of a loan modification process when they did this!
Product: Debt collection

XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s )
Product: Debt collection

Hello, my name is XXXX, An account was opened back in 2011 with XXXX XXXX XXXX Bank back, it was a result of ID theft, and the account was later charged off to Portfolio Recovery Associates , LLC, anyways XXXX XXXX ( Now XXXX XXXX ) has done an investigation and decided it was a result of fraud, and they have removed their tradeline from my credit reports, but Portfolio Recovery Associates , LLC refuses to remove their collection tradeline. I will attach a scanned copy of the letter they have sent me confirming the investigation.
Product: Credit reporting or other personal consumer reports

I happened to check my credit and seen my name missed with an address that I have never resided and an account with XXXX XXXX XXXX XXXX # XXXX ( Peoples Gas ) Collection. I had sent in my complaint that I filed with the police department -report : # XXXX. I also seen another account that I never applied for or given my personal information that was removed off 1 bureau and I don't understand since they all get the same information from the same furnishing source. I sent in all the proof with my identification that I have been living at the same address since I was XXXX XXXX XXXX and now I'm XXXX with my parents. I will attempt to call the again directly and submit all my proof. the collection had old dates that ways about 3-5 years and since I disputed they have changed the dates of the account stating I owe {$4.00} and My information at one point in my life was stolen and I never need to apply for any utilizes. they corrected my name but didn't remove an address that I never resided, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX IL XXXX. I sent my Id and social security card and police report complaint.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear in my report were not authorized, they do not belong to me, please review them Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CREDITACPT Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, 2020, I made XXXX XXXX transfers through my Citibank account to my husband 's cell phone number, XXXX, in the amounts of {$2000.00} and {$650.00}, respectively. I had previously transferred money in this way many times without a problem. However, according to the XXXX receipt I can now see in my Citibank online account, this time the money was transferred instead to someone named XXXX XXXX. My husband, XXXX XXXX XXXX, still owns the cell phone number, and we learned later from his bank, XXXX XXXX, that his XXXX token had been transferred without his permission. When I sent the transfer on XX/XX/XXXX, my husband was sitting across from me in our home office and he immediately received a text message to his cell phone XXXX indicating that he had a transfer made to him from me. Likewise, on XX/XX/XXXX, he received another text message for the second transfer. When he did not receive the transfer to his bank account at XXXX XXXX, we immediately called both of our banks. Neither of these banks, Citibank or XXXX XXXX, have provided any remedy to this situation. Citibank has told me I need to contact the recipient, which would be impossible since I do not know who received the transfer. If it was in fact someone named XXXX XXXX, I do not know anyone, nor have I ever known anyone, by that name. Citibank has now denied my complaint twice. 
The transfer of the XXXX token appears to me a crime in that someone has now stolen {$2600.00} from me, and I would expect that Citibank XXXX XXXX should recognize it as such.
Product: Checking or savings account

At u.s. bank I was put into a GOLD checking account which is meant for people woth credit cards and loans with the bank. I have neither. However I was incurring a XXXX fee every month since XXXX for being in that checking account. When attempting to get reimbursed for the charges they only refunded 3 and said there was nothing they can do for the rest.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( Incorrect Addresses ) There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Once you have deleted the inaccurate addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act account 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 INTSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from Factual Data on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by Factual Data ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from Factual Data ran on XX/XX/2021 be immediately removed for all credit bureaus.
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 XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

I have been receiving phone calls and voice mails from lakeside recovery solutions from a phone number +XXXX ( XXXX  ) XXXX-XXXX  and other numbers. In the voicemails they are leaving threatening messages that i will be sued, that they will try to take my vehicle. They leave messages that if i dont cal back that day they will file a judgement and sue me. I have received no written notices of a debt. They have also been leaving voicemails on my mothers phone.
Product: Credit reporting or other personal consumer reports

TransUnion purposely reported outdated information such as employment history, inquiries that make no sense/ non banking agencies such as auto insurance, and random numbers/ garbled to anger customer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not verified ANY information as accurate. Please see attached
Product: Credit reporting or other personal consumer reports

Hello. 

I still have issues accessing my credit report for TransUnion via their company portal, XXXX.transunion.com, or XXXX. I thought this was rectified from my last complaint, however, the problem is still prevalent.