23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( XXXX XXXX ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX 2015RE XXXX XXXX - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW XXXX, RCW XXXX and XXXX UCC XXXX ( b ) XXXX, XXXX XXXX, Title XXXX XXXX XXXX and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :
Product: Prepaid card

received card as a gift American Express gift card website says it was loaded on XX/XX/2023 and I tried using it XX/XX/2023 and it says that there is an issue using the card. The product I was buying did not go over the amount on the gift card even with taxes but it still doesnt let the purchas go through. I called later that day and I was just told that I have a {$50.00} balance by an automated voice. I called the number again and have been on hold for a bit.
Product: Debt collection

XXXX XXXX, 2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was reviewing my consumer report and noticed I had a lot of unauthorized inquiries from companies I had not done business with. I have been a victim of fraud in the past and identity theft so seeing this makes me very paranoid. The following companies have pulled my consumer report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The current address, previous addresses, and dates are inconsistent with the information submitted for my background check on XX/XX/2019. Two of the addresses are not mine.
Product: Credit card or prepaid card

I  am XXXX  years old.I employed a reputable debt relief company to restructure my credit card debt with CapitalOne Mastercard. I have good credit (XXXX). I requested a change to my due date from the XXXX to XXXX.I spoke to two employees and a manager. I was told that a payment was due on the XXXX and CapitalOne would not change my due date. I would be delinquent and will continue to be delinquent. I was confused thinking I was doing the right thing. I called my debt relief company and was informed that Capitalone refuses to talk to them (I assume over any account). Did CapitalOne violate Debt Relief Law and can you help me?
Product: Mortgage

I have requested to do a deed in lieu to return this property back to the bank because I have had this property for 13 years and tenants have moved out and I have lost over {$100000.00} on this property from expenses and taxes due {$22000.00} and I am not working with being impacted with the Covid -19 and informed the investor and they refuse to take this property back. And I do not want to file bankruptcy. I spoke with SPS today regarding this property XXXX.
Product: Student loan

I qualify for an Income-Driven Repayment plan, and have been making consistent payments under that plan. I received correspondence from Navient on the following dates with the following notifications : XX/XX/XXXX : I needed to apply for REPAYE renewal by XX/XX/XXXX or a new ( non-reduced ) payment would be charged starting XX/XX/XXXX. 
XX/XX/XXXX : My electronic IDR renewal application was received. 
XX/XX/XXXX : My IDR renewal application was approved. 
XX/XX/XXXX : My request for REPAYE was approved. 
XX/XX/XXXX : Beginning on XX/XX/XXXX, a new reduced monthly payment would be debited from my designated bank account. 

I assumed that there would be no gap in reduced payments, as this is the clear implication of this correspondence. However, on XX/XX/XXXX, Navient billed me an amount equal to 5 times my reduced payment. 

Because my account is on AutoPay and I saw debits being made, I did not notice that my account was past due until now. In reviewing the correspondence, I see that one of the  XX/XX/XXXX letters states that my REPAYE plan will run from XX/XX/XXXX through XX/XX/XXXX. This is not a 12-month plan, as the same letter states. 

I believe this is an error at best, and at worst, a continued pattern of deceptive communications. I would like to have the overbilling and resulting late fees/charges removed from my account so that it shows as in good standing with no negative affect on my credit.
Product: Debt collection

on XX/XX/XXXX i sent a letter to ELEVATE RECOVERIES LLC ELEVATE RECOVERIES LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XX/XX/XXXX Alleged Debt Amount or Balance : {$91.00} Dear ELEVATE RECOVERIES LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Debt collection

I received a debt collection notice dated XX/XX/2019, in response to the letter I sent a letter within 30 days ( Mailed XX/XX/2019 ) ( proof of mailing ) informing the collector to cease further collection until the debt has been validated. I have asked them to send me a breakdown of how the charges were calculated and how they came up with the bill amount. They are to stop collection on the debt, including any reporting to the bureau 's. They have reported to at least one bureau which is continuing their collection efforts, which is against the law according to section 805c and 809b of the " fair debt collection practices act '' Please have the collection account removed until the debt has been validated through the proper legal means.
Product: Credit reporting

Experian is reporting the same account XXXX on my credit report twice account number XXXX. This is a fraudulent account in which I am asking XXXX to please immediately remove. This account belongs to XXXX XXXX not XXXX XXXX. I have attached an incident report, report number XXXX. This fraudulent account has been on my credit report since 2007, which not only makes this a fraudulent account but also an old account. Again, XXXX is fraudently reporting this XXXX account twice. This account does not belong to me, please delete immediately.
Product: Credit card or prepaid card

On XX/XX/2022, I came to XXXX to browse only. They pressured us into checking to see if we could possibly get a pet through financing. An associate named XXXX said that they had financing options that had nothing to do with credit. She said there would be no hard inquiry and no strings attached. She told me that I was approved for financing if I wanted to take the dog home, but I refused the offer. I received an email today, XX/XX/2022, that I had a new credit card with Comenity Capital for {$11000.00} ( For XXXX  ). I never signed a paper for XXXX to inquire credit wise, nevertheless sign for a credit card. I had the card closed immediately, since I didnt want it and will never use it. It is not yet showing up on my credit report, but I would like neither the hard inquiry or the closed account be on the credit report since it was unauthorized. XXXX has no paperwork to support that this was not a fraudulent opening of a credit card on their part.
Product: Credit card or prepaid card

I received an email from XXXX on XX/XX/23 saying a hard inquiry was done on my credit report for an XXXX credit card from Comenity Capital Bank. I called experian and was told I had to contact Comenity. Comenity confirmed someone by a name of XXXX successfully open an account but hadnt made an charges. It was tagged as fraud and closed. XXXX removed the inquiry from my report and I was given a XXXX yr fraud alert protection. Today on XX/XX/23 I received another letter from Comenity saying I tried opening a credit card for XXXX but it was denied, and to contact XXXX. XXXX told me I had to call Comenity. Comenity confirmed the attempt and told me it was denied. I was informed whoever tried opening the account has my birth date, name, home address and social security number. She tagged it as fraud and supposedly is alerting the credit bureau for removal. I made a police report as well and also changed my bank card. I have now as of today frozen my credit with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent my FTC report and my ID to Experian and TransUnion. Those fraudulent accounts are still reporting to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP
Product: Credit reporting or other personal consumer reports

My daughter XXXX XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXXy on a full academic scholarship including housing. However, as of XX/XX/XXXX I started receiving a bill for {$640.00}. After countless phone calls and emails, XXXX XXXX XXXX realized their mistake and fixed it on the universities end. However, it is still showing on my credit report and affecting my score monthly. I have an email proving that what I am sharing is the truth. Please see below an email from XX/XX/XXXX stating that they would contact the credit bureaus, but a year later it is still on my report. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : Re : *URGENT!! * Bill Concern - Immediate Action Required To : XXXX XXXX XXXX CC : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Financial Aid XXXX, The Office of Residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX there XXXX XXXX, We hope this email finds you well and cool during this heatwave.

We're pleased to inform you that, as of earlier today, a budget transfer has been initiated to resolve your {$640.00} housing bill. XXXX XXXX has confirmed they will take steps to address the negative impact this has had on your credit report. 
Dining Dollars Inquiry and Scholarship Funds : We reviewed our records and found a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding your inquiry about meal plans ( see attached screenshot ). As noted in previous communications, scholarship recipients are not entitled to receive refunds from their scholarship awards. There are very strict limitations on state-funded scholarships, including the book grant and meal plan/dining dollars you mentioned.

We are committed to resolving these matters and it is our hope that the rest of the process will move forward swiftly. 





Respectfully, XXXX XXXX XXXX XXXX Doctoral Candidate Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Office
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and XXXX is reporting - and TransUnion is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and TransUnion is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and TransUnion is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Wow! This has been a roller coaster for me! I have been fighting to improve my credit and Victoria Secrets, Comenity Bank is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership. 

After reviewing my credit report, I discovered a late payment was reported in XX/XX/2020. With that said, I wrote a Good- Will letter ( attached ) to Victoria Secrets as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX  balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees. 

Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XX/XX/XXXX and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX  as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations! 

My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though XXXX  is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX  and XXXX.
Product: Checking or savings account

my phone was stolen i went to check my bank of america bank account and noticed there was a pending deposit of a check in my account that i did not make i immediately called the bank and told them that my phone was stolen and i think somebody is trying to do something with my account so i closed my account and the rep told me that was a good idea and she was glad i caught it. about two weeks later i tried to open my account back up and they told me i could that i was red flagged and now i cant get a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. Do not contact me via US mail. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b XXXX XXXX XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$470.00} XXXXXXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX XXXX  XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX AV XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$14000.00}.