23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint.
Product: Mortgage

in XX/XX/2022 XXXX XXXX XXXX transferred our mortgage to SPS they said there are no changes but we get charged {$15.00} a month which isn't included in our budget. Unless we put in auto pay which we can't because our Social Security checks sometimes doesn't come in until past the due date. This company won't change the due date as we tried many times to ask, If XXXX says nothing has changed well we are getting charged {$15.00} more. We have never been late with our mortgage I'm not understanding why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried calling this debt collector on multiple occasions to let them know I have already paid this debt and they have no cleared the account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a loan from Titlemax for the amount of {$350.00}. I have made over 10 payments of {$170.00} in which I believe that I have already overpaid. However, it was at this point when I found out that I had to pay an extra {$500.00} dollars in order for my account to be closed. Nevertheless, On XX/XX/XXXX I reached out to the manager regarding these charges and I told her that due to my limited income I can't afford to pay this amount. The same situation occurred in XX/XX/XXXX again I told her that my monthly income and how the cost of living my rent and utilities consumes my whole check. The manager ( XXXX XXXX XXXX ) provided me this solution that If I would borrow {$200.00} from a family member or friend the remaining balance will be a write-off. 
I wasn't told on the day of signing this contract that there would be an additional fees to pay. I believe that I already overpaid on this account. Titlemax, I have found this incident to be unfair, deceptive way of doing business. Please help me to resolve this matter.
Product: Debt collection

A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.
Product: Debt collection

Im not sure what the company is. I dont owe this debt. XXXX XXXX doesnt show any company information. I disputed it on XXXX XXXX and it was approved but its still on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, Experian, XXXX and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

Experian Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiries : -XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please review and correct as soon as possible. 

Thank you
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS Account number XXXX I am writing to dispute the validity of the collection account that your agency has placed on my consumer report. Despite my repeated requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency is concerning and calls into question the accuracy and legitimacy of the debt you are attempting to collect.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to challenge the accuracy of the debt is a violation of federal regulations and undermines the integrity of the collection process.

Your agency 's use of false, misleading, misrepresentation, and deceptive means in attempting to collect this debt is unacceptable and constitutes a violation of my consumer rights. Such tactics are not only unethical but also illegal, and I demand that you cease these practices immediately.

Additionally, I assert that your agency does not have the authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. Your failure to comply with the provisions outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further undermines the validity of the collection account in question.

I must also emphasize that I have not received any correspondence from your agency regarding this matter. If you have indeed attempted to contact me via mail, I request that you provide the tracking number to verify delivery. However, please be aware that due to my current living situation, I am unable to receive mail at the address you have on file, and any communication sent to that address would not have reached me.

Furthermore, I am formally revoking all rights of your agency to communicate with me through email, text, or calls. Any further attempts to contact me through these means will be considered harassment and will be dealt with accordingly.

In light of these concerns, I hereby request the following : Debt validation : Provide detailed validation of the debt you are attempting to collect, including the original creditor 's name, the amount owed, and proof of my obligation to pay.

Purchase agreement : Furnish a copy of the purchase agreement between your agency and the original creditor, demonstrating your legal right to collect this debt.

Proof of licensure and bonding : Provide evidence that your agency is licensed and bonded to operate in accordance with state and federal regulations.

Deletion of collection account : I demand that you immediately delete the collection account from my consumer report, as your failure to provide adequate validation and comply with relevant regulations invalidates the legitimacy of the debt. 
Failure to comply with these requests will leave me no choice but to take legal action to protect my rights. I expect a prompt response to this dispute letter and a resolution to this matter without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue with Receivables Performance is that they keep on resetting a date on my credit report and my credit has been dropping. These people are doing this purposely every time my credit score goes up. Its not the first time they have done this. I have had no contact with this company at all. My debt to XXXX was close back in XXXX 2018. Ive also come to believe that Receivable Performance is checking my credit score without my authorization! I have complained to TransUnion but they did not do anything about it. I will escalate things further and take action against this company for Illegally and purposely affecting my credit score. I dont have and have not open any accounts with them recently. They need to stop harassing me. That is Illegal.
Product: Payday loan

I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US DEPT ED 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 instructions
Product: Debt collection

See attached 1099C from IRS income can not reported on a consumers credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and incorrect.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with Inquiries I did not authorize
Product: Checking or savings account

Each time I deposit a check over {$1000.00} dollars this banks takes its time to make my min available. I have to wait more than XXXX hours for checks that are from the state and city agencies. This is unacceptable when I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy showing on my report for years. Transunion and XXXX  refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed Transunion and XXXX  documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. Transunion and XXXX  also refuse to remove inquiries on my profile that were not authorized.
Product: Debt collection

On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX and XXXX at the address given to me on the papers served, as well as several letters to XXXX XXXX disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in Indiana that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX and XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been involved in three data brach XXXX, XXXX XXXX, and XXXX. my information have been seen on the dark web and I have fraudulent accounts on my credit report, wrong names, incorrect addresses and denied bank accounts and credit inquiries. I have tried to reach out to the credit braun and creditor as I can't nothing resolve.
Product: Bank account or service

PNC of XXXX Ga ..XXXX ga have charged my account several times for over-draft fee's.. I have went into bank and signed papers for as my account shall never be over drawn ... they have taken thses fee 's off in the past.. now they have taken {$100.00} from my account
Product: Student loan

I have not been updated on the status of public service loan repayment application. I am XXXX XXXX military. More than two months after I submitted the application, I called for an update because the application status isnt listed on the website. As I type this, Ive been on hold for more than XXXX minutes. Im on XXXX XXXX and my baby is napping so Ive had the time. But now hes waking up and I still dont have an answer. What do people at work do to stay on hold this long? Why isnt the information I need available online and easily accessible?
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2018 unknown inquiring on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a 2nd credit inquiry when it was not necessary. I called Discover and they cancelled the 2nd application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that 2nd pull.
Product: Credit reporting or other personal consumer reports

I got in contact with Equifax tried to inform them. They had the wrong information on XXXX XXXX XXXX. They still reporting on the credit report that I still owe money to XXXX XXXX when XXXX XXXX  took off everything and XXXX  it out for Equifax has not updated or put any changes on my credit report in reference to XXXX XXXX It caused me not to be able to purchase a vehicle number one number two did not reporting the accurate credit score on my credit report and not updating the information adequately and efficiently.
Product: Checking or savings account

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application XXXX  XXXX. At this time, my application was not return to me. I gave Wells Fargo a SXXXX XXXX aka my application and Per Wells Fargo XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they can take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize with their XXXX XXXX  with XXXX XXXX XXXX. I want my Application with my signature- which turn it into securities. I'm requesting the securites to be RE TRACK from wells fargo. I'm don't want wells fargo to profit from my XXXX XXXX  since I never received any fair exchange with them.
Product: Payday loan, title loan, or personal loan

Ive been dealing with the company to take the joint buyer of the loan so that we could purchase a home. I was told yes but to wait a few more weeks. Then I was told sorry we cant approve you anymore after 39 days the waited to tell me that now I cant take him off the loan when initially was a Yes.. 
Then I call to get a settlement so that I could try to pay it off, I was given excuses after excuses.. For two weeks I was told it was in process.. I FINALLY SPEAK TO THE DISTRIC MANAGER just told tell me she couldnt give me a settlement because I can afford my bills And Im not in a financial situation.. I explained the situation SHE CARED LESS.. basically told me to pay my bills so that I can get approval for the loan to take my husband off the loan.. I FELT DISCRIMINATED SHE WAS HATEFUL TO ME Ive had many loans with them and never felt mistreated like she did. I told her I will file a complaint she said TO DO SO she was going doing her job. She gave me {$100.00} off the loan.. wouldnt retroactive the pay off to the day I called to get my pay off or settlement that she refused to give me. Im very disappointed with this company and they had emotionally hurt me, they hurt our approval bc of their diligence on not telling us the truth since the beginning. 
Something needs to get done ASAP!! I paid off my loan but I still think I need a reimbursement for all This hustle I went through emotionally.
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX* Balance Owed : {$25000.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Checking or savings account

On Friday at approximately XXXX, I went through the drive-through at Huntington Bank, located at XXXX XXXX XXXX XXXX , XXXX XXXX, CO XXXX and deposited {$2000.00} in my checking account. When I pulled up and stated I wanted to make a deposit, the teller, who was XXXX, asked how much money was there. I stated XXXX XXXX dollars. I made the deposit, stuck my receipt in my wallet and drove away. The next morning, I was looking at my bank account online and realized there was not enough money in there. I looked for the deposit I had made and saw that it showed {$1000.00} had been deposited. I then went to check the receipt in my wallet, which also showed only {$1000.00} had been deposited. I called and filed a complaint with Huntington Bank. The woman on the phone gave me the Case # : XXXX XXXX XXXX XXXX.