23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I had XXXX XXXX followed by intensive XXXX  to recover. My bills were numerous, and I reached my out-of-pocket limit on my insurance. I had several rounds of XXXX that were over my insurance allowance and these series were " re-upped '' by my carrier on multiple occasions for continued treatment. My last treatment in XXXX was on XX/XX/XXXX, which should have been covered by my policy. Instead, the final treatment was declined by insurance as being over my XXXX limit. After spending over XXXX in one year on deductibles and copays, the additional {$200.00} was an additional burden I didn't want to incur. I resubmitted and appealed to my insurance several times, but finally ended up paying the bill out of my own pocket to avoid having this go to collections. 

However, a collection still landed on my credit report, which was pristine ( not even a late payment ) prior to this. First, it was for the entire bill amount, which I disputed and had removed from all three credit reports, then this faux debt was reinserted on my XXXX report for a {$22.00} fee from the collection agency itself. I have tried to dispute this, had it deleted and then reinserted on my report again. 

I paid the original creditor ( which I never should have had to do in the first place ) but I was trying to avoid having this bill go to collections. I have never had any business with this collection agency, and they are in violation of the FDCPA by continuing to reinsert this bogus {$22.00} collection on my credit report.
Product: Debt collection

I notified the Debt Collector that their services were no longer needed, and I would prefer to settle with the original creditor. I also wanted them to send verification that the debt was valid. 

Sent certified letters on XX/XX/XXXX, XX/XX/XXXX. Have received another letter from them dated XX/XX/XXXX.
Product: Debt collection

Received letter dated XX/XX/2018 from Global Credit & Collection Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Stating that my account XXXX, NA Card # Ending in XXXX has been placed with Global Credit & Collection Corp.I don`t have this account.I received a call from them last year saying the same story, I told them I have no such account.They wanted my Social Security #. Thats when I told them I am not giving you SS #. I asked them what Credit Card of mine do you have, would not tell me, need SS # .I finally got out of him it was a XXXX XXXX XXXX XXXX.Told him I have a XXXX account not that # .Insisted on SS #, That`s when I ended call. So today XX/XX/2018 I receive a letter that I owe $ XXXX.Current creditor to whom the Debt is Owed : XXXX XXXX XXXX XXXX, XXXX XXXX ID:XXXX XXXX XXXX XXXX XXXX I believe they are Phishing for my info. I have checked my Credit Report nothing on file, I have excellent credit. So they need to be reported and I need to know, Ido not want to talk to them I don`t know anything about this company other than they went bankrupt twice. THANK YOU
Product: Debt collection

credit control llc sent me a letter that they are trying to collect on a debt i do not recall reference # XXXX. i do not feel i owe you anything, im on ssi and my income is federally rotected, i want you to stop contacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by XXXX XXXX XXXX on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXX dispute with no answer back from XXXX XXXX due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

Bank of America Auto : One payment has been deemed late and dated to XX/XX/XXXX. I have been a bank of America customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
Product: Debt collection

XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and XXXX
Product: Checking or savings account

I have had a claim dispute going since XX/XX/XXXX. On XXXX XXXX my claim was closed for some mistake made on behalf of XXXX BofA categorizing me with all other fraud accounts and individually based on my account situation but I complied with their request to get clearance of my name with XXXX and report back to them when I had clearance. I did that and was sent to bank of america fraud department and they also had no negative reports on me and sent me back to claims as well clear from any fraud activity and my claim dispute was then reconsidered and opened along with being escalated to the top of their priority for review and it is now XXXX XXXX XXXX and I have moved no further than I was last year and I sent in FTC REPORTS, POLICE REPORT and Documented proof I recently discovered on my own connected to my identity verification with XXXX showing different IP addresses connected to my information trying to claim my identity and the IP addresses lead back to an address of someone related to my fathers family that has been committing identity theft and fraud with my personal information and account as well as my fathers account. With all this proof and being told I am getting my provisional credits and then told I don't qualify for my provisional credits and then that I do is getting ridiculous not to mention the losses I have had to endure from this problem with my dog XXXX because I was not able to access funds at one point when my dog relied on me to pay her medical bills and treatment to be ok and I couldn't and we were turned away only to have my dog die on me hours later in the day. I have done more than enough on my part to clear my name, provide proof of identity theft and fraud being committed, have patience as I am constantly being yo-yoed around with back and forth answers and losing my best friend being one of the hardest parts of all of this just to still be no closer than I was the first day XXXX reported my claim and not getting any answers except that I will get my provisional credits and then a few days later no that I won't and they can't tell me anything. I just need someone to help me and have no idea as to what else I need to do to be heard and get results.
Product: Credit reporting or other personal consumer reports

TO EXPERIAN, Upon reviewing my credit report, I've identified several inaccuracies and unauthorized entries. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 sections 602 A and 1681s-2 ( A ) ( 1 ), I am entitled to privacy rights and accurate reporting of my information. It is stated that any information provided to a consumer reporting agency must be accurate and furnished only with the consumer 's consent.

The accounts listed below, affiliated with Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX appears to violate my consumer rights as outlined in the mentioned sections. As per the law, consumer reporting agencies are obligated to operate with fairness, impartiality, and a commitment to preserving consumer privacy.

I request the immediate removal of these accounts from my credit report to ensure compliance with my rights. Additionally, I would appreciate receiving an updated copy of my credit report to confirm that my consumer privacy rights are being respected and upheld.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian on XX/XX/30 to dispute some information that was not valid and i have not received any response from this company and it has been more than 45 days.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage obtained in XXXX was with American Home Mortgage which filed bankruptcy in XXXX. In XXXX there was an assignment recorded to American Home Mortgage XXXX XXXX XXXX. According to the PSA this had to be transferred with XXXX days of the trust closing ... .It was not. Ocwen is now the servicer. I sent them a Qualified Written Request to find out who owns the loan & have been told that owner is XXXX, as Indenture Trustee for the trust. I contacted XXXX & they did n't have any information on my loan. I also contacted American Home Mortgage XXXX XXXX, trustee & they did n't have anything. Ocwen is now foreclosing & they have not provided me with the information requested. I told them to contact XXXX but they have not. I believe this is a wrongful foreclosure. I qualified XXXX with HOPE Now for a modification only to be turned down by Ocwen. I presented a short sale only to be turned down by Ocwen. This leads me to believe that they know XXXX does not have the loan & they can foreclose & make money. How can a company that is no longer in existence transfer anything? Particularly after the PSA states that it had to be within 90 days of the closing of the trust? I am supposed to have a single point of contact person at Ocwen & was provided a name but he usually is not available. I make appointments for him to call me back & either he does n't call or someone else calls. I have requested to talk with someone in the U.S. but my calls go to XXXX & they wo n't transfer me to the U.S ... .said they could n't. I call different phone numbers hoping to speak with someone in U.S. but it always goes to XXXX. I have a fraudulent assignment & other forged documents. I have given these to Ocwen but they refuse to research to find out just where my loan is. I would like to go to Ocwen & have them show me all of the documents they have if possible. I will file a lawsuit against them. They are terrible to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.
Product: Money transfer, virtual currency, or money service

I recently received an email from the software company that provides frontend services for the property management company that I rent my house from. The company is called AppFolio. Recently, they sent the following email : " Hi XXXX  We are AppFolio, the property management software XXXX XXXX XXXX, XXXX uses to provide you with services like secure online payments and maintenance requests. We are reaching out to you today to inform you of a change we are making to eCheck payments. 

Beginning at XXXXXXXX XXXX  PST on XX/XX/2023, AppFolio will no longer waive the transaction fee for payments made by eCheck. All eCheck payments moving forward will have a {$2.00} AppFolio transaction fee.

Questions? Visit the help center to learn how to update your payment information in your Online Portal.

Sincerely, AppFolio '' They provide no explanation for this fee, nor do they provide any way to avoid paying the fee. I believe this company is using its monopoly power to take advantage of consumers.
Product: Checking or savings account

I requested debt validation from the bank via certified letter on XX/XX/2022. I gave 30 days notice for the bank to respond and provide me with the information that I requested. I received no response. 

Instead, I received a document from a third party debt collections agency dated XX/XX/2022 indicating the bank had closed my account and the letter stated that they were trying to collect a debt of an alleged amount that I owed the bank. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 to the debt collections agency requesting the same information. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they said I owed them, and a completed corporate government employee questionnaire. 

I received nothing in response to this first letter to the debt collections agency. 

I sent a THIRD letter via certified mail on XX/XX/2022 requesting debt validation, and I enclosed a copy of the original letter to the collections agency as well as the certified mail receipt as proof of the original letter. 

In return, I received a letter/statement from the debt collections agency that claimed this statement was the debt validation I had been seeking. This was a statement, not a TRUE BILL, which only showed one month billing, and an alleged overdrawn account with an alleged amount I owed. They did not provide me with the information I had asked for. 

I received another letter from this debt collections agency dated XX/XX/2022, stating that I still owe this alleged amount and demanding that I call them. They have not provided me with what I requested. 


The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via mailed letters demanding I pay this alleged debt for an alleged overdrawn bank account that was never validated. This agency also continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Debt collection

I sent 2 letters requesting to Santander USA to send requet letters to XXXX the credit Bureau and Santander never respond to me then I sent a Dispute letrer direct to XXXX and they did respond with a non compliant answer and XXXX did not remove that alleged inaccurate misleading unverifiable account because is a Santader usa Multi State sub Prime auto Lending and as your office Know Class Action law Suit was perform by 33 attonerys States and. I am been affecting because only XXXX still reporting such Alleged it Account in my credit Reports
Product: Mortgage

The loan serviced by Carrington mortgage service was under covid forbearance from XX/XX/XXXX until XX/XX/XXXX. I was discussing several options of how I might go out from forbearance during XXXX, unfortunately because of covid it was not possible. 

By the end of XX/XX/XXXX I got a letter from Carrington that my forbearance had reached the maximum and that I should contact them. I called them sometime in the beginning of XXXX and have asked for a typical covid repayment plan, like flex modification option or deferral since the loan is owned by XXXX XXXX 

Instead I was told that I can not get those covid modification options and that have to order and fill out a full loss mitigation application as well as proving documentation and proof of income etc which is a very difficult task for me since I am self employed. 

This has brought the situation that I am now at risk of losing this home to foreclosure ''.
Product: Checking or savings account

My account was suddenly cash account was closed with no warning or explanation of why I have XXXX in savings they were supposed to mail me a paper check I have been emailing them since XX/XX/XXXX they dont respond and have not mailed me my check
Product: Mortgage

sls representative XXXX is my spoc loan XXXX she advised me if i came up with XXXX she would obtain a deferral of XXXX and a payment of XXXX as a loan modification. SLS verified my funds in XXXX XXXX On XXXX XXXX loan docs were sent to me showing a down payment of XXXX with a payment of XXXX .That is not what was verbally agreed. Also, please note I had covid last year and sent proof to SLS..
Product: Debt collection

I received a letter dated XX/XX/XXXX from Linebarger, Goggan, Blair & Sampson LLP ( hereinafter 'debt collectors ' ) and titled : 'DEMAND FOR PAYMENT ' regarding 3 alleged toll violations from XXXX. 

In response to this initial contact, on XX/XX/XXXX, I sent a written debt validation letter via facsimile and U.S. postal. The written response requested that Debt Collectors validate the debt in question ( see sample debt validation letter that I used as reference to my written request https : XXXX ). In short, within 30 days of the Debt Collectors contact ( viz. XX/XX/XXXX letter ), I responded with a written request to validate the debt in question, which I sent via fax to the number provided on the original DEMAND FOR PAYMENT letter and via U.S. Postal ( proof of service available for each method of delivery ). 

However, the Debt Collector did not send ANY proof of the debt or respond to any of the requests outlined in my written request to validate the debt in question. Instead, said Debt Collectors sent another DEMAND FOR PAYMENT LETTER dated XX/XX/XXXX. 

In short, because Debt Collectors did not send me any proof of the debt, their future collection efforts, as evidenced by the XX/XX/XXXX DEMAND FOR PAYMENT letter, violate my rights under the Fair Debt Collection Practices Act and to that end, I submit this complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.
Product: Debt collection

I have received an email from XXXX XXXX XXXXXX/XX/23 regard to a new collection from Sunrise Credit Service of a XXXX XXXX  owed of {$1000.00}. According to this report it was open 2 months ago XX/XX/23 I have not used or ever had XXXX XXXX.