23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

They have called from a number that says " XXXX XXXX '' or XXXX XXXX insurance number. They have texted me numerous times from different numbers. I have texted back asking for the actual company name, address and direct number to confirm their identity and accuracy. Thy do not respond instead they call and say they received my text and consider it a sign that I'm refusing to pay. I had no idea what the debt is about or who original owner was until the other day. As they never disclose that information. They have called family members, who have asked what the call was about to which a man named XXXX told them it was a debt collection. A man named XXXX left a voicemail stating he tried to mail me documents but it keeps coming back undeliverable from my post office. I called my post office to which the lady even spoke directly to my mail man and both stated that is not accurate there has never been any mail from the company he stated nor from anyone that was not able to be delivered. My post office told me to block the number as it appears to be a scam. I have never, not even once received any physical documentation from this company informing me of any debt owed. I once received a text message with information saying what the original debt was and how much is owed. I called the original debtor automatic and they gave me a number to call. I called that company XXXX  and they told me they hired a company XXXX and gave me their direct number and account number so that " you dot give a debt collector your social security number '' I explained I thought this was already paid directly to the original company and she told me to contact them and get a letting stating what I paid and to go from there. Stated whenever they call or text to ask for their company name, address and number to confirm accuracy. I called the direct line to XXXX and asked for their name she gave me XXXXXXXX XXXX XXXX. I informed her that they are calling from XXXX govt numbers. And refusing to provide information to confirm their real identity- company name address and phone number. I informed her of me speaking to XXXX who hired them. And that I will be contacting the original owner of debt and then calling XXXX back to resolve it. She said okay, I have since received multiple calls telling me my deadline has been reached and they are writing this off as refusal to pay because this is the new year. They tell me this is beyond me now and to have my lawyer call them. It's almost as if they do not want to actual solve the issue but enjoy threatening and hiding their identity, like a game for them.
Product: Mortgage

Ocwen is the servicer handling my Mortgage Loan. Because of the various hardships, already mentioned in my hardship letter and various other communications, I fell behind on my Mortgage payments. 

Hence I have submitted an application for a Short Sale. I understand my 3rd Party has submitted all the necessary documents to Ocwen and they have acknowledged it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

My complaint is with Gamache and Myers. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XX/XX/XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XX/XX/XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
Product: Debt collection

I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies.
Product: Checking or savings account

I made a hotel reservation for XX/XX/23 and was charged by La XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) using my XXXX  card ( transaction was authorized on XX/XX/23 for XXXX XXXX. When I arrived from XXXX  on XX/XX/23, I was told by XXXX XXXX ( who said she was the XXXX ) at XXXX XXXXXXXX that the reservation had not been paid for and there was no room available. I recorded our interaction on my phone. I immediately called my bank ( Wells Fargo ) and filed a dispute of the charges. Meanwhile, I booked a hotel room at a different location. I received a letter from Wells Fargo on XX/XX/23 that said the charges were valid and the temporary credit that had been granted would be reversed. I now owe Wells Fargo that amount although XXXX XXXXXXXX XXXX says that they never received a payment for the reservation. I am a XXXX XXXX  on a strict budget. I can not afford unnecessary expenses, nor can I afford to keep fighting with Wells Fargo or XXXX XXXXXXXX XXXX over who actually owes me this money. This has thrown my account in the negative. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account with Portfolio Recovery IAO {$1400.00}. Since it reappeared on my credit report on XXXX of XXXX. The original debt was fraudulently opened with XXXX XXXX was reported immediately to the XXXX XXXX Police debt and later removed from my credit reports with other fraudulent accounts. 

The account is now sold to a new collection agency which is trying to collect for XXXX XXXX. I have made several disputes to XXXX and portfolio recovery and on XX/XX/XXXX I received a notification through my dispute with XXXX and XXXX that the tradeline was removed. When I noticed that it was still reflecting on my credit reports I continued to report the debt and on XX/XX/XXXX I was advised again that the tradeline was deleted and her we are in XXXX and the account is still reflecting on all 3 bureau 's. 

Per CFPB guidelines if an account is disputed and credit agrees to remove. It should be permanently removed as advised and not continued to be sold to new agencies to collect old fraudulent debt. I am requesting that this matter be reviewed and that the tradeline be removed immediately as it's impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXXXXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I opened an account with TD bank and did an external transfer from my XXXX account to fund my TD bank account in the amount of {$4900.00}. I closed my XXXX account after the funds were collected. The funds were locked in my TD account and they stated I had to provide proof of ownership. I came to the branch and provided a bank statement and they said the funds would be available the following day. The funds were not available the next day. I went to the branch and TD informed me that they sent the funds back to XXXX. I contacted XXXX and they informed me that they cant receive funds back to a closed account and that the money would be returned to TD. I waited two days because I know from doing external transfers it takes about 3 days for the funds to settle in an account. I called TD over the phone and spoke to a supervisor who started a trace on the funds and provided me a case number of XXXX. She advised me the case would take 3-5 business days and I could call back or go in the branch. After 5 business days I called back and they advised me that they located the money but I would have to go to the branch because they needed to send an email to deposit operations to redirect the money to my account. I went to the branch and spoke with XXXX XXXX who sent an email to deposit operations. She advised me the money would be in my account in three business days. The money was not in my account in three business days. I sent this transfer on XX/XX/2019 todays date XX/XX/2019 and the money is still not in my account.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to a fraudulent investment firm.
Product: Credit card

On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call.
Product: Credit reporting or other personal consumer reports

Equifax has inaccurate information on my credit report. After disputing the information and informing them of their duty to send opt out notice. I was told that they don't have to send this out. I was also told that Equifax does not have to verify the information that they include on my report. This Inaccurate information has caused me many losses causing my family and I to be denied for a home, which resulted in physical and economic harm. This report defames my character and my credit worthiness. I have tried on multiple occasions to have this issue corrected. Please Help!
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost concern and frustration regarding the persistent reporting of fraudulent accounts on my credit report. I have previously submitted clear and comprehensive evidence proving that these accounts are the result of identity theft. To my dismay, these fraudulent entries persist on my credit report with your bureau, despite other credit bureaus acknowledging and rectifying the issue promptly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It is perplexing and disheartening that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged the legitimacy of my identity theft claims. This inconsistency in reporting raises serious concerns about the effectiveness of the investigation process undertaken by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of 2020, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.
Product: Debt collection

According to my notes this account was sold are was giving to I do not no p
Product: Vehicle loan or lease

XXXX beyond frustrated because I have contacted FIRST CITIZENS BANK multiple times including XX/XX/XXXX and XX/XX/XXXX and a few other times that I dont have the dates for because I need a document to register the car in the state of Michigan XXXX My husband and I purchased the vehicle in North Carolina in XXXX of XXXX. He got out of the XXXX XXXX and moved back to Michigan XXXX of XXXX. The tab was supposed to be renewed MONTHS ago and its expired. When we go to Secretary of State, they say we need the title. The problem is, the loan isnt paid off so we dont have the title yet. I have called First Citizens Bank multiple times and I get told something new every time. The first time I asked, they said theyre going to mail me the title and it should come in 10 days. It never came so I called a month or two later, the second time the representative I spoke to said that the people at Secretary of State have to fax in the request to them first, and then theyll fax the title directly to them. Ive never heard of this before and this doesnt sound like something Secretary of State would do. I called a third time this XXXX  and I spoke with a rep named XXXX. XXXX told me she knew what I needed because she had talked to another customer in the same situation where he was trying to register the vehicle in another state. I was relieved. I was on the phone with her for maybe an hour. She put me on hold to fill out a form to request the title or proof of guarantor to the loan department. She said that she would personally call me by the end of day or the next day. It is now Thursday and I have yet to hear back from anyone. This is absolutely unacceptable because how am I going to keep driving around with an expired tab? SOMEONE PLEASE GET ME WHAT I NEED!
Product: Credit reporting or other personal consumer reports

Hello, to whom it may concern, I could write out a bunch of fair credit reporting acts and USC and UCC codes, but I don't want to do that. My issue is simple. The address ' and phone numbers on Experian and XXXX are inaccurate. NON MAILABLE ADDRESSES and the phone numbers are deactivated. I have one address and one phone number and I been employed at one company and will provide that info on request. But first I need that inaccurate info to be removed.
Product: Checking or savings account

They told me it was illegal for them to take money on my account, but they said I signed or agreed to it which I never understood or had any knowledge of this was going on. I thought it was to benefit me, but they really brainwashed me to think it will help me.
Product: Mortgage

This is follow up. Wells Fargo executive called me and he promised he would return my calls and send my mortgage file over three weeks ago. He has refused to return calls or to provide me with my information. I have a recording if this.

He further agreed that I would receive compensation as I was not given a modification, was dual tracked, given 42 agents and no notice and other abuses.

I WANT TO BE COMPENSATED FOR LOSS OF XXXX in equity and other horrific damages. 

They lie and continue to stonewall and lie. 

Please do your job and enforce the order by the judge. My life was destroyed. This is little enough justice make them pay as I am owed compensation for their scams.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, DE Inaccurtae Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my request that I have been a victim of identity theft and that nobody cared about it. Please be investigate this matter and have solution for this. The fact that I am not agreed of what I have saw on my credit file with such an erroneous addresses because as I know these are not mine. Please remove these following inaccurate addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX.
Product: Payday loan, title loan, or personal loan

Western finance recently started charging a fee for paying by debit card. The other companies dont do that. Also I have made contact and tried to work it out the guy was very rude and wouldnt let me speak. I told them I would be in when they dropped the charge to use the debit card. He called my references without even calling my number. After I already had spoken to him. I called this morning first thing and he wouldnt let me speak. I told him I work on the road and they never charged a fee before. Then again he called multiple references without even calling my number back to get ahold of me. Why the XXXX call references when I just spoke to you. And not even call my number back.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$250.00}