23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2010 my identity was stolen after going into my XXXX XXXX account on office computer. A box popped up requesting all my identity information. And dumbly I gave it all as it looks exactly like XXXX XXXX and I didnt know about phishing back then. Shortly after I started getting stuff from debt collectors from XXXX XXXX from a XXXX XXXX residency. I live in XXXX XXXX. I went to bank reported identity theft and fraud and closed my account. Throughout years Ive had the debt collectors through XXXX XXXX asking for money for utilities for tv and phone services. I have to go through whole process to clear my name. Why they have not flagged any account under my identity I dont know but its extremely frustrating. Im now once again going through the process to clear my name through debt collector Convergent Outsourcing asking for {$1600.00} for XXXX XXXX for an account balance plus equipment cost. Please arrest these people. I want to be freed from this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against Equifax , XXXX  , and XXXX  . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.
Product: Mortgage

this is our second request through the cfpb regarding the cancellationn of lien regarding : XXXX XXXX XXXX XXXX, XXXX GA, XXXX. 

1. This attorney filed 2 False claims in my personal bankruptcy case number XXXX, I reported it, I guess he though he could get away with it since the Trustee is his friend, 2. He submitted a fraduluent Lift of Stay from state court and signed the judges name on it. 
3. We have paid this lien off, as a matter of fact this should have never been filed due to the previous HOA oversight XXXX XXXXXXXX XXXX XXXXXXXX did not transfer due paid for the year XXXX to XXXX XXXX XXXX 
4. We know he is working with XXXXXXXX XXXX and the XXXX TRUSTEE XXXX, XXXX XXXX for the purpose of ensuring the Lein remains on the home given the amount the mortgage fraud issue. This is sabotage making it appear we have a lein against the home which we never received a loan for a mortgage. 

i contacted hiis office and informed his assistant to infomr him. " He better release this lien or i was ensure he loses his bar number and I will be the attorney to release it, '' ENOUGH IS ENOUGH!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Credit card

XX/XX/XXXX, I rented a vehicle from XXXX rental car and my chime credit builder card ending XXXX was swiped ( pre authorized : charged ) for XXXX. That was for deposit and rental period, which can be changed at the end of the rental to a different card. 

When the vehicle was returned the charges were put on another card not related to my chime account at all. The vehicle was returned on XX/XX/year>, and the deposit hold on the credit builder card should have been released. 

The XXXX location made a mistake I assume by charging my credit builder card XXXX without my permission. Keep in mind they only had an authorization on that card for XXXX so how they forced thru a charge of XXXX especially with the funds not being available is concerning. This unauthorized fraudulent action by XXXX has placed me in great hardship and I need it resolved immediately. I provided chime with a copy of the finally receipt printed directly off XXXX website that clearly shows no charges to the chime card and my rental was charged to another card and closed out. 

No charges whatsoever should be on my chime credit builder account. I am attaching the response I got from chime and all evidence.
Product: Debt collection

BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : XXXX XXXX  CLAIM FOR XXXX BANK OF AMERICA XXXX DEBTS To Whom It May Concern : This filing explains XXXX XXXX, XXXX purchase and collection on my XXXX XXXX Bank of America debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, XXXX XXXX was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this XXXX ) date ; and, XXXX ) amount paid to XXXX XXXX. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXX XXXX court bldg. See Doc A & chart below : Instrument no. Book no. XXXX no. by XXXX XXXX, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM XXXX I paid Bank of America debts ( via FIA Card Services ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, XXXX XXXX, XXXX ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ FIA Card Services ] ( price paid in full as agreed XXXX Bank of America XXXX {$4600.00} {$690.00} XX/XX/XXXX Bank of America XXXX {$5700.00} {$870.00} XXXX XXXX XXXX XXXX  : Attached find the XXXX ( XXXX XXXX Bank of America settlement letters ( dated XX/XX/XXXX ) both XXXX. See XXXX XXXX XXXX XXXX Also, see attached XXXX XXXX XXXX showing FIA Card Services with Bank of America account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc XXXX ).
Product: Debt collection

MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or  paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.

Thank you for your time. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

While reviewing my credit report, I see a credit inquiry from barclaycard made on XXXX/XXXX/XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they verified that it was made by myself because the social security number, DOB, contact number and mailing address was correct but none of that information was providing showing that it was. I 'm XXXX sure that I did not inquiry about a credit account with this bank. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act. Being that I 've been a victim of identify theft in the past, I 'm aware of my rights to receive this information but was not provided with any information.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX BRCLYGAP Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

We refinanced our 2 mortgages into one at Citizens Bank in XX/XX/XXXX. Real estate and school/property taxes were to be paid through our escrow account. We have two parcels, one across the street with no building on it and our main parcel with our house on it. 
On XX/XX/XXXX I received our XXXX real estate tax bill from XXXX XXXX XXXX. They were two separate bills. One in the amount of {$2600.00} ( with the house ) and the other {$500.00}. These were Face Value, not including the discount if paid by XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX requesting payment of the school real estate bill for our small parcel in the amount of {$550.00}. XXXX XX/XX/XXXX I called Citizens and spoke to XXXX. she told me to request that the bill be paid through escrow account. She said it would take 10 business days to go through. 
On XXXX XXXX I got an Escrow Account Disclosure Statement saying I had a shortage in my escrow account in the amount of {$910.00}. I could either pay it in full or have it spread across my monthly payment in XXXX. I chose the latter.I assumed it had something to do with this bill that wasn't paid. 
On XX/XX/XXXX a letter from XXXX XXXX XXXX XXXX XXXX was sent to me trying to collect the {$550.00}. I called Citizens and XXXX claimed they paid {$490.00} for that bill in XX/XX/XXXX, but it was refunded on XX/XX/XXXX. They were going to do a New Analysis on the Account and would have an answer in 10 business days. she said the main parcel with the house was paid $ XXXX turned out the check for {$490.00} was sent to the wrong taxing authority - XXXX XXXX XXXX and was returned. 
On XXXX XXXX I got another letter from XXXX XXXX XXXX wanting to be paid the {$550.00}. A call to Citizen 's told me that amount was due to be paid XX/XX/XXXX. On XX/XX/XXXX another letter from the law office now wanted {$600.00}. XXXX from Citizens said it was paid XX/XX/XXXX and it would take 10 business days for them to see it in their system. XX/XX/XXXX - next letter from law office - fee up to {$770.00}. XX/XX/XXXX - new balance due $ XXXX XXXX XX/XX/XXXX I spoke to a supervisor at Citizens XXXX They would get this paid and cover the penalties and interest. On XX/XX/XXXX I received two emails from Citizens stating my real estate tax was paid- {$600.00} and my tax penalty was paid- {$470.00} all paid from my escrow account. So instead of me paying the original {$470.00} through my escrow account on time, I have paid {$1000.00}! I am now waiting for another Supervisor to call me back.
Product: Mortgage

The buyers of our home applied with Nova Home Loans and were approved for $ XXXX with low down payment. We entered into contract with them on XX/XX/2022, closing on XX/XX/2022. On Saturday, XX/XX/XXXX, we had to sign an extension as Nova had " trouble with their loan and their debt-to-income ratio '', nothing had been mentioned in the days leading up to this, as the loan process was " on schedule '' according to the documents we received from the agent. On XX/XX/XXXX early in the day, we were told the loan was " on hold '' due to the debt-to-income ratio of the borrowers, and they are trying another company which assured approval in a short time. On XX/XX/2022 at XXXX pm we received a letter of withdrawal from Nova Home Loans for the above mentioned debt to income issue that the borrowers had, but was only brought to light that morning. The CD should have been submitted to the parties 48 hours prior to the letter of withdrawal. Rules are rules. I attempted to speak with the Originating Loan officer three times during the process, and he only returned my call, on Friday, XX/XX/XXXX, after they withdrew. This process was abhorrent, as the buyers were ready to move in, their lease had been cancelled and we had moved out of the residence to facilitate their move-in. I believe XXXX XXXX had made egregious errors in giving them the " preapproval letter '' and ultimately denying their loan 60+ days post issuance of the preapproval. 

I am attaching the chain of emails from XXXX XXXX to the buyers and both agents during the process to show there was NO MENTION OF THIS ISSUE, ever.
Product: Debt collection

On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as XXXX XXXX XXXX, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact care credit but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has entered an item on my credit report that is reporting incorrectly and should not be on credit file. XXXX XXXX should not be listed on my credit report with negative information. I have attached information that shows a clean history with this account which is past the reporting time to be listed.
Product: Debt collection

PROFESSIONAL DEBT MEDIAT XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have paid the original debt in full twice. First payment was to the original source of the debt. The second time was to this collection agency who has refused to acknowledge the payment and continues to harass me. Please investigate this predatory company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I attempted to get my credit report on line from XXXX XXXX. On their website they do not have any forms to get credit report following a denial of credit. I tried using the free annual credit report forms and it came back that I had received my annual free credit report already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have written several certified letters To Experian and XXXX, On [ XX/XX/XXXX ] I disputed an account reported by [ XXXX XXXX XXXX ] in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.