23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account 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 COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I have submitted documents proving that the account from XXXX XXXX, along with XXXX XXXX  and XXXX XXXX was all fraudulent account Ive submitted identity theft report and a police report and the accounts are still on my credit report
Product: Credit card

XXXX XX/XX/year> I received numerous calls about XXXX and XXXX email stating that I needed to contact Usaa about my debit card. I called and verified myself not once, not twice but three times. I was then told there was a XXXX charge and another charge to XXXX. I said that XXXX was me BUT I made the payment with a check and I have the receipt. I then told XXXX that the XXXX charge was NOT me. He then proceeded with well she has to close my card and issue me a new one. I asked her not to and the conversation escalated that it was standard procedure and she was going to close my card. I was in tears and beyond XXXX off because every time I call and get a fraud alert they take it upon them to close my card without me requesting that they do so. They are morons and try to tell me that they can expedite a card XXXX when expediting here does not exists and I explained that regardless if they try to do that it will not get here and I will be behind in paying all of my bills. I told her that if she canceled my card she would be doing so illegally and she started screaming and yelling and I matched her tone and then I hung up on her. I then called back three times to ask for a manager and she would not forward the call. I also logged into my account and she deleted my card so I am a single mom in a foreign country with no access to money once again thanks to USAA and their XXXX customer service. If I called and complained that there was fraud on my card then yes cancel my card but USAA asked me to call them and cancelled my card again without my permission. I want to close my account and not have to deal with the unprofessional uneducated agents they hire that have never lived outside of the US. This is more than frustrating and every time my credit report takes a hit because I am waiting on a card that by the way they always end up sending to the wrong mailing address even though I verify it multiple times.
Product: Checking or savings account

I think it was about XXXX thru XXXX. I had a checking account and a savings account. I'm a vet and was getting a XXXX check from the government, most would go to my checking and I would have a certain amount go to my savings. I started noticing that my numbers were not adding up right. I moved some money from savings to checking a few times because of some family issues. I noticed that they started charging for moving my money and it was very high amounts. Once I had to get some medications and I knew it was going to take about everything I had in my checking account, so I moved XXXX from savings to checking so I wouldn't get an overdraft fee. The next morning I checked my account and they had charged me over XXXX dollars just for that one transaction, it kept happening over and over. I lost over a XXXX dollars before I could get my account closed down. I was never reimbursed for the ungodly amounts they were charging me for simple transactions.
Product: Debt collection

Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.
Product: Mortgage

I had gotten behind on my payments & on the 4th month had to make a large payment or was threatened with foreclosure. I made the minimum payment and subsequently have been making an effort to catch up. On XX/XX/19 I called the online payment center & made 2 payments - my jobs do direct deposit to 2 different banks - so I made a {$120.00} payment from one & a {$1500.00} payment from the other. Each was received the same as usual & I was given confirmation # 's for each. A week into XX/XX/XXXX I received FOUR correspondence letters from Fay Servicing stating my mortgage was in default. Upon calling I was told I could not make 2 payments in one day and the larger payment was not accepted. Not only was I not notified upon submitted the payments but Fay accepted the very small payment over the large one that would have kept my account in good standing. The rep refused to reverse any late payments though she knew I actually made the payment before the end of the month. I was also notified that I had been reported to credit agencies for nonpayment. Fay has also raised my payment as much as {$100.00} a month over the original loan amount & I'm suspecting hidden fees. As a struggling consumer I feel I'm harassed as though Fay wants me to relinquish my home!
Product: Mortgage

In XXXX my ex was sold custody by Fifth Third Bank, the XXXX XXXX XXXX off XXXX. The XXXX XXXX XXXX XXXX (? ) is married to the XXXX in my case, XXXX XXXX. My ex XXXX XXXX XXXX XXXX XX/XX/XXXX also purchased a house at this time and did not disclose in the divorce. He sold the house back and when he got custody he bought the house back XXXX years later. It's in XXXX MI. It is unknown if the loan is from XXXX. XXXX XXXX divorce attorneys law firm was in the bank at that time. XXXX XXXX was the attorney at that time. My ex works for XXXX XXXX and the CEO maybe involved as well. No organizations are willing to investigate this. I'm hoping with the XXXX XXXX XXXX movement I can gain some attention to this. Thanks for reading! XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from a company called General Revenue stating I owe them {$5500.00} from an alleged debt owed to XXXX  XXXX XXXX. I pulled my credit report to also find General Revenue as a debt owed. I have never heard of this company before and have no legal obligations to pay them. On XX/XX/XXXX, I sent a certified letter asking the company to validate the debt. The letter was received and signed by General Revenue on XX/XX/XXXX. The letter also stated to cease and desist all collection activity during this 30 day timeframe of validation. General Revenue sent me a statement from Indiana XXXX XXXX, but the statement did not validate the debt showing my signature as a legal agreement to pay a debt to General Revenue. So General Revenue continued collection activity on XX/XX/XXXX at XXXX XXXX. I received a voicemail from XXXX XXXX attempting to collect on a debt that was never validated and I put a cease and desist in writing asking the company not to contact me. I consider this harassment, especially since I was not provided the proper documentation validating a debt they claim I owe. I contacted General Revenue and asked for a manager and they put a team lead on the line by the name of XXXX who said she would have her manager call me when she returns from lunch. I received a call from a manager representing General Revenue by the name of XXXX who stated they validated the debt and it was within their rights to continue collection activity. I have the conversation with XXXX and XXXX on recording for proof. Per FDCPA, I requested validation of a debt owed and told the company to cease and desist collection activity and she and her company completely disregarded my demand. I am filing this complaint with the CFPB for a violation of FDCPA guidelines and harassment.
Product: Mortgage

Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!
Product: Prepaid card

XXXX wrote : Sent via form submission from XXXX Name : XXXX XXXX Email : XXXX Phone Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX - XXXX Company Name : XXXX XXXX Last 4 digits of the card in possession : XXXX Inquiry Type : Fraud/Dispute Message : I need to dispute all transactions from the deposit for {$75.00} on XX/XX/2023 I did not use nor authorize any transactions since the transaction before that deposit on XX/XX/2023 my card was stolen in between them and now I did not know it was missing until today when I went to use it after donating XXXX so every transaction after XX/XX/2023 needs to be disputed as I did not use it or authorize anything since
Product: Credit card

I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.
Product: Student loan

The Fedloan Servicing, US Department of Education Federal Student Loan Agency stop to send me letters after I was on bankruptcy. Then on XXXX they send me a letter but I dont have how to pay the loan and I wait, but Huracane Maria pass through XXXX XXXX and I move to XXXX, then to XXXX  and I lost communication with the Agency. My complain is that the Agency fail to contact me again when I return to XXXX XXXX and also fail to communicate that they pass the debt to a privacy company that I dont know the name. My address fromXXXX XXXX still the same and my telephone number is the same, so why they fail to contact me to make a deal and pass my case to a Private Agency that retain illegally my Federal Refund with out previous notice. The law said that they have to contact me to inform that they are going to retain my refund. The law said that the private company have to contact me to let me know that they have my case. That I have a debt with the Fed Loan Company, and they have the intention to collect the money to apply to the Federal debt payment. They never do that, all they do is not under the law. So I want my refund back and I want my case with Fedloan again. Thats my complain. 

My name is XXXX XXXX XXXX Fedloan Account : XXXX My email is XXXX XXXX
Product: Debt collection

This is my second complaint, they have yet to respond to my first one, after getting an extension and that time being exceeded. 15 U.S. Code 1692c ( c ) of the Federal Fair Debt Collection Practices Act ( FDCPA ) states that a debt collector must stop communicating with a consumer if the consumer requests in writing that they do not want to pay the debt or that the debt collector stop contacting them : The debt collector can still inform the consumer that they are ending their efforts or that the creditor or debt collector may use certain remedies A consumer 's failure to dispute the debt 's validity can not be used by a court to infer that they are admitting liability
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported them.
Product: Credit card

On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$.00} was removed from my BankAmericard XXXX card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : XXXX and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred XXXX times in the last seven months.
Product: Debt collection

XXXX XXXX, was a charge off many years ago. Have reappear again.Also- LVNV, was a charge off many years ago. Have reappear again. 
No mail from either, then and now. It have ruined credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau XXXX XXXX XXXX Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( XXXX ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( XXXX ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ XXXXt any enclosed documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, XXXX and Experian continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX 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.

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

First, your questions do not specifically address my issue, but here is the problem I am having with PHH Mortgage, from New Jersey. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 CFPB : re : PHH Mortgage, On XX/XX/2021, PHH Mortgage mailed out a letter to me about some alleged correspondence they claim to have received from me on XX/XX/2021, and used a Reference ID of : InquiryXXXX ( XXXX ). 

I have sent numerous inquiries since, asking that PHH Mortgage send me a copy of what I allegedly sent to them, which prompted their letter of XX/XX/2021. I have asked PHH Mortgage mail me, email me, or fax a copy of my correspondence. To date, the responses have been letters asking that I give them an account number, account holder 's name, address, and other relevant information. I can not give PHH Mortgage anything until they send me a copy of my alleged correspondence so then I can address the situation properly. 

Now to be clear, I DO NOT want PHH Mortgage sending me another canned, irrelevant letter to send something I can not send. I want them to SEND ME a copy of what they claim to have received on XX/XX/2021, which prompted their letter of XX/XX/2021, and had a reference number of InquiryXXXX ( XXXX ). They may mail me, email me, or fax me a copy of this correspondence that they claim I sent to them. 

My mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through Experian # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Product: Debt collection

i called the company to get all documents with my signature and they say no because this is a business account not a personal account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately