23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.
Product: Credit reporting or other personal consumer reports

I notice when i reviewed my reports on my free credit report.com. I had inquires listed on my credit unauthorize by me. and this all started happing once it was blasted about a data breach my credit information starting to get leak and subscribe for things i have no clue and not done to this. I would like this to end this will affect my prefect score i have if this continues. so please remove all three of these unauthorized inquiries from my report XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2022, SPRING OAKS CAPITAL sent false, deceptive, or misleading representation in connection with the collection of a debt. Documentation sent has no signatures and doesn't validate debt or constitute a contract. This documentation is not lawful evidence of indebtedness.

SPRING OAKS CAPITAL is also furnishing false and misleading information on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Equifax in regards to certain accounts on my credit report. Each time, they have failed to furnish verifiable proof of these accounts belonging to me and yet, they have failed to remove them. Per Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification the validity of the accounts they are reporting, yet they have failed to do so. Equifax admits that their disputes are all done electronically and that creditors and credit furnishers respond to disputes electronically also. Yet, they do not admit to having the verifiable proof that these accounts ever existed or were ever opened by me. They have failed numerous times to positively verify these accounts, further, Under the FCRA, unverified accounts must be removed if they are unable to provide a copy of verifiable proof. 


I have communicated this to them via letters and over the phone, and they still failed and refused to remove the accounts I mentioned numerous times. 


In my last dispute, I have also provided verifiable proof that late payments that they updated my credit report with never occurred, and they failed to update my credit report
Product: Mortgage

DITECH HAS VIOLATED THE : DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT TITLE X FOR THE LAST TIME.
Product: Credit reporting

Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you
Product: Debt collection

I received a letter in XXXX stating I allegedly owe this company money. I have already written a letter early XXXX and they have received it on XX/XX/XXXX at XXXX. I endured a call from this company before the end of XXXX and they have called other relatives last month and this month in XXXX, until now my parent have informed me a lady name XXXX just communicated with her today she's looking for me for a supposedly alleged debt that I have nothing to do about. I have mailed another letter ceasing all contact! If anything mailing is another form of communication I only accept. I don't even know what this company is at all. I don't even know HOW they have my mothers cellphone number.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did equifax allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been looking at what mortgage products banks offered in XXXX of XX/XX/2019. I had authorized M & T Bank to run my credit at that time ( which they did ) and they provided me what they believe I would qualify for. I did not pursue anything with them as the mortgage product they suggested did not interest me. On XXXX XXXX, about a month later, i recieved an email from a gentleman named XXXX XXXX with a pre-approval attached. I had found out that my credit had been run again on XXXX XXXX without my authorization and it negatively effected my credit. I emailed XXXX and he stated that it was run a second time in error ( the first was authorized by me in XXXX ) and the report would be deleted but it still effected my credit.
Product: Credit reporting or other personal consumer reports

I'm writing to formally request the removal of this negative information 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 on my credit report. I believe that these entries do not accurately reflect my financial behavior or current standing. I have made every effort to resolve any issue and have acted in good faith to improve my creditworthiness. Since XXXX my identity was compromised and as of the last 2 or 3 years if not more, more accounts have been appearing on my credit profit that I am not in control of. In light of my consistent efforts to maintain financial responsibility. I kindly request that you review my case and ensure that my credit report is a true and fair representation of my financial story. Your prompt attention to this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I was using coinbase/XXXX since XX/XX/XXXX for automatic trading. Due to a bug in my software I violated their terms of use by sending too many requests to their API.  Unfortunately I overlooked a warning they sent me, so my XXXX account got locked and my coinbase account restricted on On XX/XX/XXXX to withdraws only. My XXXX  account had ~2500 on it when this happend ( which I am locked out of ). I responded immediately via mail and asked them to unlock my XXXX funds or even activate me for API usage again stating that I fixed my bug. 

I called them on XX/XX/XXXX. The service agent told me, he could not do anything for me and that he escalated my ticket to a specialist. After I did not get any response, I asked for an update on my ticket on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX via email. I also tried to contact the coinbase staff on XXXX. There has not been any response and I still have no access to my assets on XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. AUTO LOAN opened at XXXX XXXX XXXX XXXX on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.
Product: Debt collection

I entered into a settlement agreement with XXXX XXXX XXXX Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/2020. I then received a letter stating that the account was paid off as agreed and the account was closed. 
Then earlier this year I was contacted by Portfolio Recovery collection agency saying that I owed them for the unpaid XXXX account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and XXXXXXXX XXXX XXXX along with XXXX plus days of no response.
Product: Credit card or prepaid card

I was interested in applying for a new card with the extended warranty and price protection benefit since one of my other cards lost it. During my investigation, two cards had this, the XXXX  Double Cash and the US Bank Cash 365. On XX/XX/XXXX, I called US Bank to ask them about these benefits. I expressed how with XXXX XXXX coming up, I wanted the best prices so I was buying now but I didn't want to end up finding it cheaper later on. The lady on the phone, who was actually quite pleasant to speak with, hence why I went with them, assured me " if you find a lower price ONLINE, we will match it, up to {$250.00} ''. I got the card in the mail, found a TV online and went to use it. Kept getting errors on the site. Called US Bank, nobody knew what was wrong. I eventually got it to work by checking out with XXXX. About a week later, as my luck has it, I find it online {$240.00} cheaper. Called US Bank and literally 3 reps couldn't tell me how to file a claim for it. Finally, I dug up the number and called a lady. She informed me for the price protection to work 1 ) it had to be a PAPER ad 2 ) it had to be completely purchased with the credit card. Here was the problem, since the card wouldn't work on the site ( rakuten.com ) I had to use paypal. XXXX always elects to use your balance before a credit card. The other thing is no-one ever told me about the paper requirement. I was led on to sign up for a card with useless benefits.
Product: Credit card

I bought a fridge, washer, and dryer from Best Buy using their Citi credit card. Total cost was over {$7000.00}. 
Unfortunately, I had some downturn in my finances in the past year. I negotiated with the bank and was placed on a payment plan of XXXX to pay off the balance while I stopped using the card. I have been paying this diligently and a little more, and now I have a total balance of less than XXXX. I was shocked that the bank made an unauthorized charge of {$3900.00} from my account on XXXX XXXX. This left me stranded, and speaking with their arrogant staff shattered me! I was told the " promo '' I enjoyed was over. Not only did they clear my bank account to pay the balance, but I will also be charged an outrageous {$4000.00} as accrued interest for not paying off before the promo elapsed! After a long, XXXX conversation, they reluctantly agreed to withhold the interest charges for 60 days but, in turn, told me the 60 days started counting in XXXX. So, I am due to pay the outstanding balance by the XXXX week in XXXX, or they will apply the extra {$4000.00} charges. They promised to reverse the unauthorized charges to my bank account but did not do so for over XXXX after which I was forced to call my bank to cancel the transaction. Since then, Citi Bank has repeatedly called me during my working hours, creating a lot of distraction for me at work. Today alone, I got over four calls! 
What is most disturbing to me is Citibank 's plot to see I'm never going to get out of this debt by surreptitiously having clauses not clearly stated when signing for this card and not honoring the forbearance plan they drafted for me. It is very abusive of my trust to sign up for autopay without notice, wipe out my bank account, take almost all I have, and refuse to refund my money promptly. The intended additional charges are predatory and deviate from fair lending practice.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit card or prepaid card

My wife opened a credit card in her name and had my name added it to it later to help build my credit. In XX/XX/2017 my wife had unexpected XXXX XXXX and was mostly unresponsive until XX/XX/2017. I had no knowledge of the American Express card at this time to make payments. I began to get phone calls from family members, specifically my grandmother, stating that American Express was calling them 3 to 4 times a day in regards to a credit card bill. How is it lawful that a credit card company can contact family members and inform them of debt? That is a violation of my privacy. I reached out to American Express in XX/XX/2017 and they informed me of the balance which was astronomical and I told them it had to be incorrect and to please send statements to my address. Next thing I know, we are being served with a lawsuit from an attorneys office. American Express 's own card member agreement states it will send you notice of intention to file suit 30 days before it does so to allow you to work out the bill with them. Not in this case! And as it turns out, my wife reported the card stolen and tons of transactions were made that were not ours. Not to mention almost 5000 dollars in interest and fees!! I try to dispute the negative items but American Express says I must take it up with the attorney 's office. The attorney 's office gives no response on how to handle the fraudulent charges. Now the attorney 's office continues to sue us and file court documents in the wrong parish, causing me to miss entire days of work traveling to a different parish because the attorney 's office won't acknowledge they are filing in the wrong parish. They have filed a total of 3 court documents in the wrong parish, which by FDCP is {$1000.00} per violation. My wife filed bankruptcy because of medical debt and included this card in it. 

American Express has violated SEVERAL FDCP rules. 
1 ) filing in a parish where I do not live 2 ) Harassing phone calls to family members. My grandmother thought I was going to be arrested. It's extremely embarrassing.

3 ) Illegally informed third party about my personal debt 4 ) Failed to send written debt validation letter. Violated their own personal card member agreement by not informing us of their intent to file suit 30 days before.

5 ) Ignore my requests to dispute fraudulent charges ( I have a police report that proves card was stolen. ) 6 ) Collecting interest/fees/money not owed. Thousands of dollars charged in interests and fees.
Product: Debt collection

Supposed debt is from a XXXX on XXXX/XXXX/14 ; discovered open collections while checking my credit score. Disputed & was informed by both XXXX and XXXX that the report of collection was erased. Now, 3 weeks later, I got a bill from Transworld for {$1500.00} and change. This is literally the FIRST communication I 've received from them EVER regarding this debt. Was still paying off XXXX bills a year ago & called XXXX to settle up with my tax refund. Was told my balance was XXXX and that I owed nothing. Asked for & received confirmation that this was correct. Not once in the last year have I gotten any phone calls or mail from Transworld, and now, AFTER the issue was supposedly resolved, they are telling me I owe over {$1500.00}.
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. I included a date on the last letter I submitted to the XXXX credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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 XXXX
Product: Consumer Loan

Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.
Product: Credit reporting or other personal consumer reports

This account is closed with a XXXX balance. Balance needs to be update. 
Also show as paid/never late. 

XXXX XXXX XXXX acct ending in XXXX