23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm not sure where to start here, this is the third time I've filed a complaint against these companies that have been violating my rights as a consumer for years. 
They take advantage of people like me, XXXX  who don't have the money to pay for a lawyer. 
Firstly, I never had a debt with XXXX XXXX XXXX XXXX, my debt was with XXXX XXXX. I have requested evidence by telephone and by letter from XXXX XXXX XXXX XXXX and its supposed lawyer Rausch Sturm and I have never received a response from them. 
In my last call XXXX XX/XX/XXXX at XXXX I once again asked attorneys Rausch Sturm if they represented XXXX XXXX  and they said yes ( you can see the call that they supposedly record for quality purposes ). Furthermore, I was threatened by the lady who answered the phone saying that I should not worry about paying the debt that they had already taken to court and that my account was seized, that I would soon find out what they were capable of. A threat that I don't believe is under the law. The treatment of these people has always been threatening, unethical and discriminatory. 
I called XXXX XXXX  and they tell me that this debt has been closed with them since 2017 ( 7 years ago ) and that they have no relationship with Rausch Sturm or XXXX XXXX XXXX 
Second, my original debt to XXXX XXXX  was less than {$2000.00}. Rausch Sturm and XXXX XXXX XXXX are trying to collect more than {$6000.00}. Based on what and with what right do they do this? I asked about the possibility of reaching a payment agreement based on what I can pay and they told me that the only option was to pay the more than {$6000.00}. I can not do it because I do not have the money for it and I do not owe that money to have to pay it.. 
Currently my account is seized, my rent money was taken from it. I had to borrow money to pay my rent and now I find that my account is completely seized and I can't make any payments from it. I am the head of the family, my children ( XXXX and XXXX XXXX XXXX ) and my wife will be left on XXXX XXXX and we do not even have money to eat because all the money that I have that was a loan from a relative is frozen. 
I have sent letters asking for exemptions due to my financial situation as I am the head of the family and that I earn less than {$600.00} a month with proof of my current situation and I have not received a response. 
We are a XXXX family, the government gives us XXXX  and medicaid and these people are trying to collect something that I do not owe and can not pay. What do you expect? Take my life? I have no options, I can't go under a XXXX  with my children.
Product: Mortgage

XXXX XXXX and XXXX all listed a bankruptcy 's on my credit repot as accurate. so i contacted the federal court and they informed me in writing how they do not repot or verify bankrupts to any one.so that means my rights are being violated with accordingly from the fair reporting act.
Product: Checking or savings account

In XXXX of XXXX Chase Bank decided to close my XXXX and XXXX checking account as well as XXXX of my credit cards without any explanation, being that all accounts have never had any issues and always been in good standing. 
I've the personal checking account with Chase for nearly XXXX  years and the XXXX checking account for at least XXXX  years, so I'd like to know what what the cause of these unprovoked account closures.
Product: Credit reporting

Years ago, I had phone service with XXXX. While living in XXXX, my account was charged for bills incurred by someone in XXXX according to conversations I had with customer service. The issue was never rectified. XXXX reported that I owed {$440.00} ; which I dispute because I do not owe them. They reported it to the credit reporting agencies. I had disputed there, and they did not to change it citing that the account was in my name. It sat for years in my credit report, and I could not get it removed. My score just went down 11 points because XXXX just reported the account as a new account again as they have done in the past. This is deceptive. Please see attached. I got the alert from Experian yesterday. Had I not have this credit monitoring account with Experian, I would not even be aware. Please help me.
Product: Debt collection

I am not liable for this debt with Vance and Huffman LLC, I have previously sent a request for debt validation of this account and never received anything from them with this information and now it is negatively affecting my credit report. This debt does not belong to me and I have no knowledge of it.
Product: Debt collection

XXXX XXXX left a lengthy message about an acquaintance asking us to have them call back re : a debt owed. They shared enough info in a phone message that we knew it was a collections call. XXXX XXXX has never used our phone or lived with us- is not a relative. XXXX violated collection laws by sharing this information in a phone message. XXXX @ XXXX XXXX XXXX ext XXXX
Product: Debt collection

Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this?
Product: Mortgage

Penfed Credit Union erroneously charged XXXX late fees between XX/XX/XXXX and XX/XX/XXXX equaling {$3000.00}. 

These late fees were applied in error as payments were rendered in advance for far greater amounts than required. These payments were incorrectly applied as payments for prior months due to what was communicated as PenFed system limitations by customer support resulting in the erroneous late fees. Customer support acknowledged these issues and stated they could only credit the most recent late fee as the additional would require supervisor authorization. Multiple supervisor requests for the remainder late fees had been submitted to remove the late fees. I have not received any acknowledgement back from supervisor of these requests and still see the erroneous late fees on my statements. This formal complaint is to escalate for immediate removal.
Product: Mortgage

On XX/XX/XXXX, approximately 1 year before the maturity of my home equity loan, I received a notice that XXXX XXXX XXXX had " miscalculated '' my interest that I was paying on my loan for the past 15 years. They said they wanted me to pay a lump sum of {$4200.00} by XX/XX/XXXX, rather than the regular payment of {$430.00}. When speaking with them on the phone ( XX/XX/XXXX ), they admitted it was their mistake and not mine, but they still expected me to pay. This was originally a XXXX loan that was bought out by Ocwen some years ago. There is no way this can be legal! How can I be held liable for THEIR mistake??!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 DISCOVER BANK {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Inquiry - XXXX XXXX XXXX XXXX XXXX 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Product: Checking or savings account

XXXX fake checks ( {$9800.00} on XX/XX/XXXX and {$9800.00} on XX/XX/XXXX ) were used to withdraw money from my Discover savings account. I did not create any checkbooks or checks using this savings account. I have not provided my account number or routing number to anyone. I do not know the payees ( XXXX XXXX and XXXX XXXX ) indicated on these fake checks. Additionally, the address and signature used on these fake checks are absolutely incorrect and not mine. I have reported these cases to Discover bank and this is currently under investigation. The lost money has not been reimbursed from the bank yet. Discover keeps saying I should wait for the case to be investigated without telling me the timeframe and they said they do not have responsibility over this case, although the checks are completely fake. I already submitted all check fraud affidavit and police reports. I can not wait any longer!
Product: Mortgage

Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015
Product: Credit reporting

I am applying for  XXXX   XXXX  service ... they need a credit check but was not able to com  plete one because of a credit security freeze.
I tracked the freeze down to Equifax, the reported a security freeze was on my account. I stated I never requested a freeze on my equifax report. They will not lift unless I pay the fee. I again stated I should not have to pay for something I never requested. The Equifax rep said they do n't keep records of the payment needed at the time the security freeze was requested, which could lead to who done it! I have checked all my records paper and electronic and have never received a notice that Equifax put a security freeze on my report.
The fee is small but I should not have to pay this, it is a mistake! These credit agencies all take hours of waiting on hold and transfers to finally get talking to a real person. They would not allow me to submit a claim or anything that would resolve this correctly without me paying their " Fee ''.
I hope govern  ment regulation will reform these agencies and their operations.
Product: Debt collection

NAVY FEDERAL CREDIT UNION CALLED MY SUPERVISOR ON XXXX XXXX, KENTUCKY AND THREATENED TO SUE TO REPOSSESS MY CAR. THIS BANK IS EVIL AND NEEDS TO BE DESTROYED. THE PRESIDENT OF THE BANK CALLED ME A XXXX AND A XXXX  TO MY FACE. THIS IS THE MOST XXXX BANK ON THE FACE OF THE EARTH. THEY DO NOT NEED TO BE IN BUSINESS UNLESS THEY FIRE THE ENTIRE EXECUTIVE STAFF. THIS IS A CULTURE OF CORRUPTION. THEY ALSO HAVE NOT TOLD ME FOR THE 3 TIME WHAT IS THE XXXX IS FOR. BECAUSE THEY KNOW ITS A LIE AND A FRAUD. THIS WAS A SECURDED ACCOUNT IT WAS PAID IN FULL. THIS IS OUTRAGOUS. UNTIL THIS ACCOUNT SAYS XXXX I AM NEVER GOING TO LET THIS GO NEVER EVER
Product: Debt collection

Ive been trying to get a home loan when i went to the place to check my Credit they told me I had a card on my account that was in Collections that it will hurt me from getting a home loan I got a hold of the Collection company Midland Funding and paid off the card which was {$620.00} or so on XX/XX/2019 i was about to close on my house when they denied me the loan saying I had missed payment on the card I call XXXX XXXX XX/XX/2019 to report the card a fraud I know I never took that card out so today on XX/XX/2019 I found out my ex took out that card I never approved it and had no idea she did this Ive been trying to get this debt off my Credit report and XXXXl XXXX or midland funding say they have nothing to do it nor is it there probably they just send me back and forth from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a wrong name for the dispute on XX/XX/2022. I put XXXX XXXX XXXX when it was capital one auto finance. I have 2 hard inquiries from when I was buying a car made in the same day. When you are searching for a car loan I thought you would have 1 hard inquiry especially if it is in the same month and for the exact same thing.
Product: Credit card or prepaid card

Had a Gap Visa XXXX credit card and they were bought out by Barclays Mastercard. I have an outstanding {$6000.00} refund I am still owed. 

Claim Numbers : XXXX # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX Barclays # XXXX and # XXXX XXXX  Complaint # XXXX
Product: Mortgage

Back in XX/XX/2020 my servicing provider changed and I sent a payment to the old provider and that payment was never applied. I have since been charged twolate fees in the amount of {$40.00} each and they refuse to credit me back even though the missed payment was their fault. As soon as I realized they did not properly credit the payment I sent to the previous provider I sent in an extra payment to make up for the missed one.  They still cant tell me what happened to the old payment and have not taken off the late fees either
Product: Credit reporting or other personal consumer reports

I am not linked to these XXXX and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.
Product: Credit reporting or other personal consumer reports

Credit inquiries are hurting my credit rating and most of the inquiries are from credit card companies that I already have.
Product: Credit card or prepaid card

I rented a condo in XXXX XXXX, Michigan XX/XX/XXXX - XX/XX/XXXX. COVID hit and Michigan went on lockdown on XX/XX/XXXX. I tried contacting the owner ( per XXXX XXXX guidelines ) on  XX/XX/XXXX to cancel this reservation. I called the number listed by XXXX for the owner ( XXXX ) XXXX and talked to XXXX XXXX. I told her that due to COVID I needed to cancel. She replied, let me look into it and call you back. I said ok, do you need my name and phone number? To which she replied " no, I have it on caller ID. '' She never called me so I decided to try and text her so I had some sort of record showing that I tried again to reach out. Being that we both have XXXX XXXX, I can see that she read the message but never replied. So at that point I started a dispute with Chase Bank. I processed the dispute via their app on my cell phone. Today ( XX/XX/XXXX ) at XXXX I received a reply from Chase Bank stating that they deemed the charge valid. I was unaware that because I processed the dispute via their app, that they would never ask me for my supporting documentation. So I called them this morning at XXXX, waited about 20 minutes to finally get connected with a rep named XXXX . She told me that there's no way to respond to the letter that I received via email and that I would have to mail or fax documentation. I then asked for a supervisor. She put me on hold and then hung up on me. So I called back. I then spoke with a representative by the name of XXXX. I went back through my story and he said that he would email me the instructions for re-opening the dispute but that it could take 9 days to get the email I told him I was considering opening a complaint with the CFPB as well and he stated he would recommend that I do that in addition to re-opening the dispute with them. I have proof A ) that I tried to cancel as well as B ) that I was not even in the state to use the condo on XX/XX/XXXX. I find it very unfair to not adjust this credit since this COVID pandemic and the state of Michigan being on lock-down being out of my control. I'm attaching my XXXX cell phone bill and have highlighted when I called XXXX to cancel. I've also attached a copy of the text that I sent to XXXX showing that it was read and that she didn't respond. Lastly, I've attached the chat with XXXX showing that I tried to cancel with them and they told me I had to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

m y complaints against planet home lending. I was in forbearance in XXXX since then i have paid my mortgage for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in full each months its due 8 months planet home lending is showing all 8 months late because I did not pay on the 1st day of every month I have paid all 8 months I am trying to get refinanced. can you help me clear my credit reports all 3 XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX National Credit Adjuster Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion for failing to accurately report my credit information and neglecting their duty to conduct a thorough and fair reinvestigation, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ).

I have made numerous attempts to rectify inaccuracies in my credit file. Specifically, I disputed several accounts that were opened without my permission or authorization. I did not provide any written signature or enter into a legal contract with the creditors. Despite providing sufficient proof and sending a cease-and-desist letter, TransUnion has rubber-stamped these accounts as verified without conducting a substantial investigation.

Furthermore, two accounts from XXXXXXXX XXXX XXXX XXXX  XXXX are being inaccurately reported with late payments. These accounts should reflect paid as agreed, never late. 

I requested a description of the procedure used to determine the accuracy and completeness of the disputed information contained in my credit file. However, I disagree with the results of your reinvestigation reporting the information has been verified as reported and is accurate. 

In accordance with the FCRA, the creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 USC 1681 section 604 ( a ) ( 2 ) ). Additionally, I would like to include FCRA consumer law section 605B ( 15 USC 1681c-2 ) regarding the late payments. 

I look forward to your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : BA creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCEWITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # 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 INSTUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/2023 To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off [ XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification. 

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report. 

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements. 

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution. 

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute. 

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX