23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received an " important '' phone message XX/XX/19 from Viking client services a debt collector telling me to call XXXX XXXX XXXX multiple calls after that with no message. My son received a letter from this company about XXXX XXXX making a claim for a debt he disputed in writing. He specifically requested no telephonic or electronic communications in writing to them but the calls to me continue. The phone ( My phone ) is not affiliated with my son. Why are they harassing me with their phone calls for a debt that is not mine?
Product: Credit reporting or other personal consumer reports

Hello, I will requesting a inquiry from discovery off of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of a credit report from Transunion in XX/XX/2018. I noticed several inaccurate/unknown accounts and inquires that did not belong to me. I quickly contacted Transunion via USPS and I must say, I have been drug around and in the dirt over the past six months. I wrote and listed all the fraudulent information, sent it via USPS and every time Transunion responds back with a letter saying these are VERIFIED. How that is possible is beyond me, I am XXXX XXXX and a number of these accounts and inquires were when I was away. To simply put it, I am a victim of fraud and Transunion does not care. After several Attempts to get Transunion to please adjust, correct and delete the fraudulent accounts, I have now filed Identity theft with the FTC. I have also reported Transunions ill taste in serving the consumer. I truly hope they take this serious, as I am ready to use any and all outlets possible to get the fraudulent accounts and inquires removed. This absurd situation has hinder me from my personal life to my work life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX  715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX account on my credit. Someone used my name and information to purchase a credit card that I have no knowledge about. I need them to remove this information and credit card off my name and my credit score and report. Thank you.
Product: Credit card or prepaid card

I initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.
Product: Mortgage

I had ongoing problems when this company was called OCWEN, it is now called PHH Mortgage Servicing. During the big switch over, I was told I had to mail in my mortgage payment, so I did just that. I even wrote the check for XXXX in stead of the lower payment amount. The 'geniuses ' at PHH cashed my check and put the money in 'suspense '. They then proceeded to send me late notices and foreclosure notices. When I called to see what the problem was, as I had checked with my bank and the check had indeed been deposited. I was told they had no idea what to do with the extra amount of payment. I was very puzzled by this as in the past it had merely been credited to my principal. They finally credited my mortgage. Month two, I again was instructed to send a check, I did so, repeat first check problem, except this time I sent the exact amount ( so as not to confuse them again ). I again received late notices and foreclosure letters. I called and had the monies credited to my mortgage. Month three! same scenario. This is where the XXXX BPO fees came in ( which by the way have been added to my loan balance ) as well as a XXXX 'assessment fee '. From what the barely understandable ' customer service reps have told me, my deed will never be released until these fees are paid. This is a VA loan and I am a disabled senior Veteran.
Product: Credit reporting

I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. 

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

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

When contacting XXXX/Bridgecrest after settling account to notify them that information on the account was inaccurate and inconsistent across each credit bureau XXXX After numerous disputes of this violation to the FCRA, they continued to validate and claim to update the account however they are still reporting inconsistent and inaccurate information to each credit bureau. The credit bureaus will no longer allow me to dispute this so I have to come to the CFPB to file this complaint.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit freeze with TransUnion when my social security number was stolen and was being used for fraudulent tax returns. TransUnion claims they have no knowledge of that request. I made the same request with XXXX  and XXXX  in 2008. 
I have registered with TransUnion, but I can never login. I was recently told this was fixed and I did login once, today I can no longer login. I don't know if they just have bad IT or of this is a way of discouraging the public.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH XXXX XXXX XXXX LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO OCWEN LOAN SERVICING LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
Product: Credit card or prepaid card

I previously notified Goldman Sachs that Im a victim of identity theft and requested that they remove all fraudulent charges from my account. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : 1 ) Charge made XX/XX/XXXX - {$1500.00} XXXX XXXX ) Charge made XX/XX/XXXX - {$610.00} XXXX I have received the evidence Goldman Sachs provided on behalf of the merchant on XX/XX/XXXX. I have also contacted their offices on numerous occasions and requested to speak with someone who could explain to my why the disputed information was not being reviewed and to provide me with an explanation for the results of a dispute denial. I have been repeatedly told by your staff that I would be unable to speak with anyone in that department. The only option I have been provided is to re-dispute the charges and this has been going on now for almost 2 years. After reviewing the information closely, I can confirm I did not make these charges. I requested that they remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement. I also request that they stop reporting this inaccurate information to credit reporting agencies ( CRAs ). The information provided by the merchant does not provide sufficient evidence to make claims otherwise. See exhibit D, E, F, G, H, I. 

I have completed a FTCIdentity Theft Report supporting my position. I have reported the theft of my identity to the XXXX XXXX XXXX Department. I also have completed the Federal Trade Commissions Identity Theft Affidavit, the Police Report, and my supporting evidence to support my claims. I've asked to speak with someone to discuss the evidence but continue to be denied that as an option. Goldman Sachs has also not provided me with any written explanation of their findings and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I seen that I had an amount owed to advanced collections. I had originally paid {$300.00} to the landlord, the landlord said it was applied to my move out charges, yet I am being charged for the entire amount of {$300.00}. It is Paid. They are falsely applying this to my credit, they are unwilling to help Me since I am turning to you for help. I shouldn't have anything on my credit report as this has been settled before it was even sent over to collections. XXXX XXXX manager XXXX XXXX is the one that I have spoke to about everything.
Product: Credit reporting or other personal consumer reports

'M A VICTIM OF IDENITY THEFT I DIDNT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION TO APPLY THE ACCOUNT LISTED IN THIS REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. TRANSUNION HAS TAKING THIS ACCOUNT OFF 3 TIMES AND PUT BACK ON 3 TIMES THIS VIOLATED THE FCRA LAWS FOR NOT ASSURING ME MAXIMUM ACCURACY AND PUTTING PREVIOUSLY BLOKED AND DELETED ITEMS BACK ON MY CREDIT REPORT ESPECIALLY WHEN IT COMES TO IDENTITY THEFT. 
I ASKED TRANSUNION TO SHOW ME PROOF OF ME APPLING FOR THIS CREDIT CARD BY PROVING ME A COPY OF MY DRIVERS LICENSE, SOCIAL SECURTY CARD AND SIGNATURE PROOF THAT I APPLIED FOR THE CREDIT CARD LISTED.

VIA BY MAIL, EMAIL OR PORTAL I NEVER RECEIVED ANYTHING.
Product: Debt collection

National Credit Adjusters will not send a financial statement or any verifying documents to support this debt. 
Credit Bureau keeps reporting it is verified but I would like to know how they are verifying this {$840.00} debt.
Product: Credit card or prepaid card

I contacted USAA credit card department on XX/XX/22 in regards to my XXXX with them. The card is now at a XXXX  % interest and it is becoming harder and harder for me to pay this bill, specially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX minute hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX years of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX minute hold and came back stating that she was sorry but that the option I was requesting was not offered by USSA.
Product: Credit card or prepaid card

XX/XX/XXXX I has furloughed due to Covid19 and I have placed a called to Capital One to notify I will be making my payment late due to the loss of income and asked not to report late to credit bureau back in XX/XX/XXXX my work XXXX  shut down. The rep told me she would notify the acct and it would not be reported on credit report. I have made a payment in XX/XX/XXXX. I have received notification the late was reported to credit bureau. According to the CARES ACT negative report are not to be reported to credit bureau. I am at the end of refinancing my home and was notified of the late being reported and this halted the refinance process. I understand Capital One did not follow the CARES ACT that is in place due to COVID19 after speaking with the rep from Capital One I was informed this would not happen due to making the late payment. I am back working fulltime and back on track. I would like to have the 30 day late revised and reported to credit bureaus removed. XX/XX/XXXX spoke with XXXX ID # XXXX have informed me see the payment made in XXXX and the late should not have been reported since I have talked to someone and informed them I was effective due to COVID19.
Product: Debt collection

I noticed a collection from AFNI on my credit report in XX/XX/XXXX. The comments on my report stated the original creditor as XXXX. I contacted XXXX in XX/XX/XXXX to inquire about the debt. Although XXXX was able to confirm that I was a prior customer they were unable to retrieve any account information. XXXX informed me that if my account went to a collection agency the agency would be able to verify any debt by providing itemized account statements. On XX/XX/XXXX I contacted AFNI and requested account statements from XXXX. AFNI refused to send any account statements rather they just told me I owed them {$1000.00}. On XX/XX/XXXXI completed an online dispute through XXXX. Upon completion of that dispute on XX/XX/XXXX, no changes were made to the AFNI collections on my credit report. On XX/XX/XXXX, I again called AFNI and requested an account statement with XXXX charges verifying the debt they have placed in collections on my credit file. The representative offered me a settlement and I told him I was not interested in a settlement and that I only wanted verification of the debt. He told me he could send verification of the debt. I have not received that verification. On XX/XX/XXXX I contacted AFNI again to request an account statement showing specific XXXX charges. The representative became somewhat aggressive and asked me what was taking me so long to pay my debt. He told me that the prior representative I spoke to inXX/XX/XXXX offered me a settlement and that I needed to help him understand why 9 months had passed and I still had n't paid this debt. I explained to him that I do not feel comfortable paying for a debt that I may not even owe. I again requested an account statement showing specific XXXX charges. He told me he was unable to provide an account statement and that the only thing I could do is dispute the debt with the credit bureaus. On XX/XX/XXXX I disputed the debt through XXXX. Upon completion of the dispute onXX/XX/XXXX, no changes were made to the AFNI collection on my credit report.
Product: Checking or savings account

On XX/XX/2021 I went into be XXXX XXXX and purchased a frontal. I got the frontal installment and it was thin and not covering correctly. I went back up to the store the same day and showed the owner the hair in my head and should her it wasnt covering. She was no help. XX/XX/2021 I filed a claim with my bank about the merchandise not being as described and the owner didnt want to help. I sent pictures of text messages with the owner. XX/XX/XXXX I received a denial from the bank about my claim so now Im out of XXXX. Even thought I sent prove that the product wasnt right the bank still sided with the owner and denied my claim when clearly they can see the hair is very thin.