23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX  XXXX, based on the dollar amount owed on the card itself. 

This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account. 

I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX  XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help. 

Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX  XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX  was explained that information
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize : Acct Name : 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

1- ) account name : LAW OFFICES XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX ) ACCOUNT TYPE : COLLECTION 4- ) DATE OPENED : XX/XX/2022 5- ) BALANCE ; {$300.00} DOLLARS 6- ) They put in XXXX Credit report in Collection
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against XXXX, Equifax, and XXXX for failing to thoroughly investigate and verify the accuracy of this information before reporting it. 

I have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the Equifax data breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach.

Based on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies. 

These fraudulent accounts are causing significant hardship, and I request an immediate investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  and constantly have XXXX  XXXX  after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Mortgage

Hello, My husband and I were trying to get an equity loan four months ago. We were trying to refinance the mortgage. It was stated that the new possible loaner XXXX XXXX  needed 2015 mortgage statements from the previous servicer which is XXXX XXXX. Come to find no one can produce these pertinent documents thats suppose to be with our file. Caliber Home Loans could not be located ( it seems they disappeared, it seems they are fraudulent. XXXX XXXX were to obtain the entire file from Calibur and checked their entire bulk that was transferred before accepting our files. XXXX XXXX XXXX could not produce records from 2015 nor mortgage statements. It seems they are fraudulent as well. It was escalated to Ombudsman and then escalated again to Data Conversion Dept. and no one still could produce our 2015 information needed. Someone has to be accountable because we did not cause this problem. We need 2015 and this needs further investigation from Caliber. Thanks
Product: Debt collection

Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.
Product: Checking or savings account

On XX/XX/XXXX, in the morning, I woke up and checked my email box. I opened an email ( please see attached file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from Wells Fargo bank which stated that -Your payment ( s ) were sent, amounting to {$9800.00}. Immediately I opened my online banking and checked my business account and it was really so. At the first onset, I called Wells Fargo Customer Services and explained to them that someone logged into my Wells Fargo online banking and used bill pay to send a {$9800.00} payment fraudulently. They accepted the claim, closed my account, changed my user name, and told me that they would research my claim and provide me with results within 10 days. I received their research on XX/XX/XXXX by mail please see the attached file ( XXXX Claim XXXX ). They sent me a letter denying my claim, telling me that they believed the transaction was made by me or someone authorized by me. It looks like the bank doesn't want to do any think to help me. 
They didn't return my money back until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit report, I noticed some billing mistakes. The listed late payments do not align with my consistent payment history. Please address these errors and update my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 53 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful non-compliance of the credit bureaus and data furnishers in properly investigating my disputes. Based on, U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) This account in violation not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act. The list of accounts 15 USC 1681s-2 XXXX has continued to report inaccurate information after i provided notice of disputes. 

- XXXX XXXX # I CSystem # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX Navy Federal Credit Union contacted me via text message notifying me there might be fraudulent activity on my account. I responded and let it be known that the charges for the purchase ( s ) of 4 Navy Federal Credit Union gift cards were not authorized nor made by me. Totaling an amount of {$200.00}, {$50.00} per gift card. Navy Federal Credit Union advised me they were not able to file a dispute due to the fact that the transactions were processed inside one of their branches by a Navy Federal Credit Union employee. I reiterated that the transaction was not authorized nor made by me. Navy Federal Credit Union advised that they were going to submit the claim for dispute through another system because they could not do it in the regular system. I requested a provisional credit of {$200.00} due to the fact that I was not at fault and it was the negligence of the Navy Federal Credit Union employee. They denied my request in totality. 

XXXX I contacted Navy Federal Credit Union again regarding the same issue and requested a provisional credit to which my request was denied again.
Product: Checking or savings account

I went to the bank of America in XXXX, XXXX : XXXX XXXX XXXX XXXX, CA XXXX. I went at XXXX to the atm outside to deposit my {$1200.00} cash to pay my rent and the atm took my money and did not give me a receipt and did not put the funds into my account. i went into the bank and the bank manager was rude and said she could not help me, i told her i was not leaving until my money was out into my account or they fixed the atm. they still did not help me. i was given a number that was on the ATM and the atm number to file a complaint. i filed a complaint and they said that they can not help until they do an investigation and i am out the {$1200.00} until they solved it and even then, i won't get my money if they cant solve it. This bank is stealing my hard-earned money and i want to turn them in and get my money back ASAP. I'm going to be kicked out of my house and lose my car if i don't get my money. my claim number is XXXX.
Product: Credit reporting or other personal consumer reports

Regular credit union monitoring credit report shows on XX/XX/XXXX an account late on XXXX XX/XX/XXXX and charged off and delinquent on XX/XX/XXXX never had known of this card account and when contacted Comenity Bank I was informed they don't have the account because it was sold to a collection company I have never received a bill for tis account not known nor acknowledged it did existed and credit report didn't showed the last 5 digits of it which later on, Comenity has shown these on a letter received now i do know the full a/c number as # XXXX issued on XX/XX/XXXX Bank refuses to proof it is NOT has NEVER known of it. 
SEE FULL DETAILS OF ASLING THE BANK, by phone, email and XXXX regular mail
Product: Credit reporting or other personal consumer reports

I called equifax to remove the freeze off my credit report because for some reason I cant log in to my account and when I let them know the rep said we can only mail you your credit report so you can check it. I wanted the freeze removed and to gain access to my account but they didnt do anything but mail my report to me
Product: Debt collection

On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXX XXXX Account Number 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: Bank account or service

MY SISTER, XXXX XXXX XXXX, DIED XXXX XXXX, 2016 IN XXXX, WA. SHE WAS A CLIENT OF CITIBANK AND I AM THE EXECUTOR OF HER ESTATE. SHORTLY AFTER SHE DIED, I NOTIFIED CITIBANK AND WAS TOLD TO FAX THE IDENTIFYING PAPERS TO THEIR OFFICE OF DECEASED CLIENTS. I DID THAT AND THEN WHEN I HAD NO RESPONSE I CALLED AND WAS TOLD I HAD TO MAIL THE NOTARIZED DOCUMENTS : DEATH CERTIFICATE, AUTHORIZATION TO SERVE AS EXECUTOR, PICTURE ID, AND DEPOSIT SLIP IDENTIFYING THE ACCOUNT. I DID THAT ACCOMPANIED WITH A LETTER ASKING THEM TO SEND HER STATEMENTS TO ME SO I COULD CLOSE THE ACCOUNT. 
SO FAR THIS SOUNDS QUITE STRAIGHTFORWARD. NOT SO. THERE IS NO BRICK AND MORTAR FACILITY IN WASHINGTON STATE, ONLY ATM 'S. THERE IS NO WAY I CAN DEAL WITH THEM FACE TO FACE AND NO NUMBER FOR THE DECEASED CLIENT OFFICE. EVERY TIME I START WITH A SERIES OF PHONE CALLS I CAN GET NO INFORMATION ABOUT WHERE THE PAPERWORK IS. IT IS NOW FOUR MONTHS LATER AND I HAVE NO INFORMATION FROM THEM. I KNOW THERE IS MONEY SITTING IN THE ACCOUNT AND I NEED IT TO CLEAR HER BILLS. I HAVE NOT EVEN RECEIVED A STATEMENT FROM THEM. 
THIS IS LIKE YELLING INTO THE WIND. 
I HAVE NOW SENT A COPY OF THE FIRST LETTER AND A NEW LETTER TO THE XXXX XXXX DEPT THAT IS FOR STATES WITH NO WALK-IN OFFICE. 
CITIBANK NEEDS TO HAVE SOMEONE FROM THE DEPT. FOR DECEASED CLIENTS CALL ME AND DEAL WITH MY SISTER 'S DEATH. 
NO BANK SHOULD BE ABLE TO OFFER SERVICES ACROSS STATE LINES WITH NO OFFICE IN THE STATE TO HANDLE THESE PROBLEMS. I CAN NOT BELIEVE THIS DOES N'T HAPPEN ALL OVER THE COUNTRY AND THE PHONE ACCESS IS IMPOSSIBLE TO DEAL WITH.
Product: Debt collection

I had an initial balance of {$1700.00} but agreed to pay {$1100.00} to Phoenix Financial Services LLC, which worked for XXXX XXXX XXXX. The person I spoke with said that the letters I receive in the mail will reference the initial balance rather than what I agreed to pay, but that it will be removed once I pay it off. This agreement was made around the end of XX/XX/2019 or beginning of XX/XX/2019. This debt was placed on my credit report. To pay off the {$1100.00} and have it removed from my credit report, I paid {$95.00} every two weeks for about 6 months, which I completed paying off in XX/XX/2019. I would consistently receive letters in the mail reminding me of the balance and the balance on the letters would decrease as I paid. I made the last two payments together to finish paying off the debt a little faster and to get it over with. The payments were automatic and completed by Phoenix because I provided my debit card information. After I finished paying off the agreed debt I received a confirmation number but never a receipt of payment, but the mark on my credit was removed. I also stopped receiving letters from Phoenix and never received a phone call or letter about any missing payments after I finished paying the agreed amount. 
A few weeks ago, I received a letter from XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating I had a remaining balance of {$610.00}, which is about the difference between the initial balance and the amount I agreed to pay to Phoenix. I called Phoenix to see if I can receive a proof of payment since I paid the settled amount but I have not received anything from them and I gave them the confirmation number to see if that would help for me to receive proof, but they did not care for it and they said my payments were never completed, but I have every transaction number and I spoke with someone from my bank to explain the situation and they said all my payments were successful to Phoenix. I believe the {$610.00} amount was never removed from my account with Phoenix which is why I received this second collections letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : 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  : Account Number : XXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX LLC : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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.