23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was part of bankruptcy. The home was foreclosed on through bankruptcy. I had my attorney write a letter to the company they closed the account but it still shows as an account that was in non-payment for XXXX months therefore really hurting my credit, which should not be on the credit bureau 's reports as the debt never should have been applied.
Product: Debt collection

XX/XX/XXXX walmart synchrony bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Walmart Mastercard/Synchrony bank sold account to XXXX XXXX, XXXX XXXX XXXX. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no XXXX XXXX XXXX the situation on three separate correspondences. 

I am collection proof. I am XXXX. My husband passed away in XX/XX/XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.
Product: Mortgage

My loan was transferred to BSI Financial Services and it has has caused a true hardship and has negatively impacted my financial standing. The challenge follows many problems including : ( 1 ) Inability to Pay Taxes On-Time : My escrow account is current and is fully funded. It has had sufficient cash on hand and despite this the servicer is delinquent on two separate tax accounts : ( a ) Town Taxes and ( b ) County Taxes. These are both UNRESOLVED and one payment is over one month past due. 

( 2 ) Late payment to my Homeowner 's Insurance holder : It took multiple email correspondence and many calls to customer service to extract a payment to my Insurance Agency. Moreover, I involved my Insurance Agent in calling BSI Financial prior to a payment being made days after the due date. This caused real unease because I didn't want to lose my policy nor get negatively targeted within the insurance marketplace due to 'late payment '. 

( 3 ) Incorrect PMI Deductions - BSI financial services has incorrectly charged my PMI and has incorrectly doubled my payments since my financial relationship started in XXXX. I have written and become correspondence with customer service ( via phone ) and resolution seems to be far off. Moreover, I was not told HOW this would be resolved ( i.e. would their be a check sent back to my residence or would it be deposited back into my escrow account ). 

( 4 ) Tradeline delinquency applied to my Credit File - A 30-Days past due was issued against my credit file DESPITE being a new account. This is a violation of RESPA and despite asking for a correction there was no solution. Instead, I received a written letter from a 'Complaint Resolution Specialist ' that 'the information that we have reported to the credit reporting agencies is correct. ' This action is actually illegal and it is not congruent with providing a new service account 60-days grace period. The only reason I could NOT make my loan payment is that it was only after the due date on XXXX that the account even reflected correct information. I spent over a week trying to establish an online account and didn't receive payment instructions until AFTER my XXXX due date.
Product: Debt or credit management

I had a USAA XXXX XXXX secured card with a credit limit of {$3800.00} credit limit. I owed XXXX on the card when I closed the account but USAA will not send me the remaining balance left over from the secured credit card and now states that I owe even more. They can not show me any charges that I have made since I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance in resolving a matter with the credit bureau Equifax. I have exhausted all means of trying to have a former address removed from my credit report since XX/XX/20 as a result of identity theft that occurred with XXXX XXXX with no resolution. This account was open with my SSN #, name, and an address I never resided ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Please see steps taken below. *Please note Equifax has removed/deleted the fraudulent charges reported from XXXX XXXX. 
Filed disputes with all 3 credit bureaus. XXXX  and XXXX have resolved/removed the fraudulent charges and address associated with the charges ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Filed 11 claims with Equifax from XX/XX/20 thru XX/XX/20 ( Documentation attached ) Filed a police report with my local police department/XXXX XXXX, which provided a summary letter to send to the 3 credit bureaus and XXXX XXXX. ( Letter attached ) Contacted the collections agency XXXX XXXX XXXX XXXX XXXX, because the XXXX XXXX account was turned over to this agency to collect the fraudulent debt incurred due to identity theft. After speaking to the agency, the account was then turned back over to XXXX XXXX. 
Contacted XXXX XXXX which reported the account information along with the address associated with the account XXXX XXXX XXXX XXXX, XXXX, MO XXXX to the 3 credit bureaus. An investigate was conducted by the Fraud/Investigation Department ( Incident # XXXX ). The results concluded that the charges were fraudulent charges, which was a result of identity theft, and the account was open with my SSN #, name, and the address which I never resided at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Created an account with identytheft.gov to help resolve my issue with identity theft, which was a result of fraudulent charges that occurred with XXXX XXXX. Followed plan and sent letters to the 3 credit bureaus and XXXX XXXX. ( See letter attached to Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

i am not liable for this debt with " XXXX XXXX '' and I do not have a contract with " XXXX XXXX '' they did not provide me with original application.
Product: Credit reporting or other personal consumer reports

This evening, I was really upset to find unauthorized inquiries on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, I noticed some discrepancies that were not there before. I even refreshed my browser, hoping it was a temporary issue, but the unauthorized inquiries were still there. Im asking for the documents Ive submitted to be carefully reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information XXXX Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XX/XX/XXXX 1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # xxxxxxxxxxxx XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to several concerns with the credit bureau, including inaccurate account information, an unfamiliar collection, unauthorized inquiries, and errors in billing. I am requesting your assistance in addressing these issues to ensure my financial security.
Product: Debt collection

On XX/XX/2019 at XXXX PST, I received a call from a collection representative with Contract Callers , Inc based on GA calling me on behalf of XXXX. When i answered this call I was immediately asked " am i speaking to ( my full name )? ". I refused to answer anything unless i knew where they were calling from. They again asked so i answered a simple " yes '', and asked what this was about. They quickly stated " And the last 4 of your SSN is # # # # and DOB # # / # # / # # # #? ". This made me feel extremely uncomfortable since anyone would be able to answer yes to their question and then get my information had they dialed the wrong number. What if they accidentally had my account up and called someone else? I feel like my rights that protect my sensitive information are being violated by this company.
Product: Credit card or prepaid card

Asset acceptance LLC has sent a continuing writ to garnish my wages and stated that it is for a XXXX XXXX credit card. I have never had a credit card and they said the card was open like XXXX and writ to garnish is from XXXX. I never got anything from these people until now at my job. Someone is using my information! I refuse to pay money for something that I did not do. Asset LLC is no help at all of course just kept stating that garnish will continue and its up to me to prove this is not my debt from 12 years or more! I pay all the bills in my home and cant afford my money be taken and pay for lawyers. They said the original amount is over XXXX $ but now over XXXX $ is owed and dont. Have contact number for XXXX  XXXX either to dispute this. Case XXXX. I need these people stopped and the one using my information. I did put in a police report years ago around that time when mi drive license was stolen and back then my ss # was displayed on it. Im at my wits end.
Product: Debt collection

I am claiming lending fraud and to further substantiate my claims of inaccuracies in your credit reporting. 
First, according to the terms of the contract the APR is 19.99 %, finance charge {$7100.00}, which is the sum of all charges. The amount of excessive illegal interest applied in totality {$12000.00}. ( Refer to Payment History ) This amount far exceeds XXXX usury rates maximum of 21 %. Pursuant to the Truth In Lending Act US CODE1605 ( a ) ( XXXX ) and the FDCPA US CODE1692f ( 1 ) this company is in violation thereof. We were also overcharged for sales tax. XXXX local sales tax rate is 8 % and we were charged above the legal rate. XXXX Refer To The Contract ) Secondly, I received a debt collections letter dated XX/XX/XXXX that failed to mention any accrual of interest or a specified amount of what was owed, pursuant to US CODE 1692g ( a ) ( 1 ) under the FDCPA. ( Refer To The Collections Letter ) Next, the initial balance reported {$12000.00} and according to the terms of the contract the principal amount financed {$12000.00}. There were no transactions, no promises, arrangements, and no payment since XX/XX/XXXX. Since then the account remained dormant. However, on XX/XX/XXXX this company stacked {$6900.00} of illegal interest according to federal law. Then reported the account was 180 days past due with XXXX and XXXX  and 120 days past due with XXXX I received written correspondence from a representative of the company stating that they had not reported 120 days past due to XXXX I disputed it with XXXX  and nonetheless this company verified the information as accurate. XXXX Refer To Dispute Results ) Pursuant to the FDCPA 15 US CODE1681s -2- and US CODE 1681 ( a ) ( 4 ) your company is in violation thereof. 
To conclude, Im exerting my consumer rights under the law to demand that this account be deleted from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Last XXXX I realized there was XXXX dollars spent in my credit card from XXXX XXXX. I reported it. The charges were from XXXX -XXXX. I have attempted multiple times to have the case reopened with my work records and credit card statement and many other documents proving I wasnt even in the state the card was used. I have a police report where I live and in the city it was used in. There has been no resolution.
Product: Debt collection

I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The past 3 weeks ago I had 2 different phone calls from 1. XXXX XXXX XXXX and the other is Regional Financial about online applications of {$10000.00} loan that I didn't apply for. I am afraid that my identity has been compromised. I also received some letters about some banking accounts being opening in my name and I don't know if there is more frauds going on. I also have a couple of hard inquiries on my credit report. Thank you for the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you
Product: Credit card or prepaid card

I left XXXX and was home in the XXXX on XX/XX/XXXX. On XX/XX/XXXX, my credit card bank, Capital One, declined a transaction ( {$2500.00} USD ) posted on XX/XX/XXXX after I confirmed that it was not my transaction. The next day, XX/XX/XXXX, Capital One posted a transaction from the same vendor, XXXX XXXX in XXXX XXXX XXXX, XXXX in the amount of {$4800.00} USD. I reported that transaction as fraudulent online with my Capital One account. Immediately, Capital One closed that card and made preparations to send me a replacement card. My account was credited in the amount of the fraudulent transaction ( {$4800.00} ), pending an investigation. Capital One sent me a secure link for documentation submittals. I also sent hard copies to the designated address for " Disputes ''. My card was never out of my possession and is still in my possession. It was never stolen, lost, or misplaced. Somehow, the " chip '' and credit card information were obtained illegally ( scanner? ) and used in the contested transaction. I sent a photocopy of my card that was supposedly used in the fraudulent transaction. I produced copies of my boarding passes that show I was in the XXXX on XX/XX/XXXX. Capital One never acknowledged receipt of my documents which were sent by certified mail but never signed for. 

Capital One informed me on XX/XX/XXXX that they have closed the investigation and determined that there was no evidence of fraud. They stated, " After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe that you or another account user benefitted from the transactions. 

I believe that there never really was an investigation. I was told that their conclusion was based on information that it was a " chip '' transaction, which is not possible. Was this misinformation from the vendor, who could be complicit in the fraudulent transaction? I requested, but never received, copies of documents from their investigation. It is my understanding of the applicable laws, that the bank must provide me with documentation and the burden of proof is on the bank, not me. 

I would like Capital One to atone for their mistake of posting this fraudulent charge and credit my account accordingly.
Product: Credit reporting or other personal consumer reports

My mother has used my information to take out a mortgage in my name, without me knowing, and its been showing up on my account since 2022. I have never even tried to take out a mortgage, I rent a house. 

It is affecting my finances and credit and also any chances of my fianc and I buying a house of our own.
Product: Debt collection

In XXXX of 2022, I signed up for debt consolidation with XXXX XXXX and made a settlement of {$480.00} with Bank of America. From XXXX to XXXX, I made payments between $ XXXX {$190.00} and when I left the program. I only had over {$200.00} remaining. Both the settlement agreement and the amount that I ended with are both on my credit report. Only the amount that I ended with after the settlement should be on there.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.