23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from The XXXX XXXX ( debt collector ) stating I owed {$75.00} for a visit to XXXX XXXX XXXX XXXX XXXX XXXX. I did not pay the debt right away and sent a dispute letter because I never received a bill from the hospital ( even after I called multiple times for one ) and I was not provided an itemized bill. Fast forward to today XX/XX/XXXX, I received an automated voicemail from XXXX ( XXXX ) XXXX stating to call them back because they were a debt collection agency called Wakefield and Associates. They stated I owed over $ XXXX for a medical bill, but they couldnt state from who because they werent their client. The bill comes from their client who they did not provide. They stated that they couldnt give any account number or reference ID number, the only thing they could provide was that the date of the visit was XX/XX/XXXX. I stated I would call the hospital and my insurance and handle it with them and they said to send them proof of the payment or this would go to my credit. 

I called my insurance and the hospital and they both provided that I only owe {$75.00}. My insurance assured me that there was no other claims from XX/XX/XXXX and that {$75.00} was it. I called the hospital and they clearly stated they do not work with Wakefield and Associates only XXXX XXXX XXXX XXXX XXXX XXXX I then called The XXXX XXXX XXXX XXXX they stated that they never gave my information and thats the only thing they have from XXXX XXXX. 


I googled Wakefield and Associates and many people state that they are scammers. I did have a feeling they were, but I want to make sure Im doing everything I can so that my credit is never compromised.
Product: Student loan

I have made between 11 and 12 years of payments on this loan. Yesterday, my cosigner was advised in that many years, less than {$1000.00} has come off of the principle of the loan. The loan was originally {$8000.00}. Yesterday, my cosigner was told I still owe them {$7400.00}. I feel like I am dealing with a loan shark. 
I don't even make {$40000.00} a year and give them what I can. I tried to get the cosigner removed and since I didn't make any payments the first year of the pandemic, and not being told that loan didn't qualify for no payments, they have marked my credit report in a negative way. I am happy to send a copy of the ledger of my payments. I will provide any identifying information you need to investigate this situation. 
This is holding up a mortgage loan for my cosigner. In fact, AES made him pay them {$150.00} yesterday! I have paid them over {$250.00} since XX/XX/XXXX because I borrowed money from my sister to be able to do so. Again, I make less than {$40000.00} per year, and my husband is XXXX and on Social Security. The way this is going, I will end up paying on an {$8000.00} loan longer than I will pay for my mortgage ( 15 years ). 

I have made the payments, and more than requested for a number of years. At the time when I could pay more money, I talked to someone at AES, on a recorded line, to ensure me that the extra money would go towards the principle. They agreed, yet evidently that was not the case. 

I also have federal student loans that I have not been able to pay on because I have been paying AES all these years. The interest rates on the student loans, most of which are from XXXX, I think I have around {$200000.00} of federal student loan debt that is at least 50 % interest. I am wondering if any of that will be included in the forgiveness/Navient settlement. I have received a XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I actually make less income now than I did when receiving the degree in XXXX. 

I was not able to complete my Doctorate because the school told me I was out of loan opportunities since I was not a clinical student. I was at the point of my dissertation when advised I had no more loan money to complete the degree. that was after being advised that I should not have any financial issues with being able to complete the doctorate.
Product: Debt collection

I am reporting my rights, under the Fair Debt Collection Practices Act, ( FDCPA ), were violated. Under the FDCPA, it states, If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that debt is a disputed debt. As you can see in the attached documentation, from my archived credit report, ( XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX ), they did not report the debt, as being disputed. They still reported disputed debt, to XXXX  and to XXXX, as if it were not being disputed. 
Attached you will also find a copy of the certified letter receipt ; the collection agency received a letter, asking them to validate not verify, said debt. According to FDCPA, Upon the consumers request written request within the thirty day period, the debt collector will provide the consumer with requested form of validation. A debt collector presented with a timely ( within 30 days of receiving my notice ) demand for validation must stop all collection activities until they provide the requested validation. As you can see from the attached certified letter receipt, from XX/XX/XXXX to XX/XX/XXXX ( today ), it has been 52 days. They have not provided me with requested validation, and they continued to report XXXX and XXXX, which is another direct violation of the FDCPA. 
In lieu of the violation of my rights under the FDCPA, I am requesting that these accounts be deleted from my XXXX  and XXXX credit profile, and that documentation of requested action be forward to me as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This complaint relates to complaint already filed and closed number XXXX in which I charged that Bank of America wrongfully closed my LAW FIRM TRUSTEE ACCOUNT without prior notice to me. The Bank of America responded by presenting false information to this Board by stating it sent me 2 notices dated XX/XX/XXXX, and then again on XX/XX/XXXX stating my account was inactive. I never received those notices, and I do not see any proof of mailing of said notices. However, I do have, and attach hereto, a notice from Bank of America to me dated XX/XX/XXXX stating " Action required. Please contact us to update your organization 's information by XX/XX/XXXX so you can keep your account ( s ) active. I completed the notice, which was 6 pages long. Option 2 on this notice says to " Fax the completed and signed form to us at XXXX in the U.S. '' I attach the proof of facsimile sheet dated XX/XX/XXXX at XXXX pm to the above referenced number.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but   XXXX   and   XXXX   XXXX    and Experian keep reporting it. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( and only Equifax - not the other credit reporting agencies ) reported four delinquencies totally {$310.00} from the University of XXXX XXXX  XXXX XXXX in XX/XX/2020. The delinquencies were reported by XXXX XXXX XXXX. I called the XXXX XXXX XXXX and XXXX and both were unable to locate any of my information ( SSN, address, etc. ) ; therefore, I submitted a dispute to Equifax, including a personal statement, drivers license and all my personal information. 

I do not live in New Mexico, I have never been to New Mexico, nor have I utilized services online from New Mexico. The accounts are not mine ; however, Equifax and XXXX claimed to verify my information. Equifax told me that a New Mexico address was on my Equifax file ; however, I have never lived in this state. Equifax was totally unwilling to help.
Product: Money transfer, virtual currency, or money service

I had two Venmo accounts, one with a large IRS deposit. They requested me to close the newer account wich i did but Venmo closed the old account also keeping my deposit telling me " if '' they should return they will email me. They claim I violated the user agreement, but I complied with all their requests. Venmo is ignoring my emails and phone calls. Please help me recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

With specificity I am disputing the following inaccuracies on my credit report. 

XXXX XXXX XX/XX/2014 opened XXXX XXXX XX/XX/2014 opened Dispute : These are not my accounts. No account numbers are showing on my credit report, 7 tears have passed, so therefore they should have been removed
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as Skytrail Cash and XXXX XXXX, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of 2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Checking or savings account

Funds where moved unauthorized from my Credit Karma Money Account by a malicious hacker. The security of the mobile and web application for the bank is really nothing to write about because why they told me they have rectify the security of my account, I still got notifications about the same hacker changing my phone number and email on my bank account. I need the money as soon as possible to sort my tax refunds.
Product: Debt collection

On XX/XX/2022, my father called me to tell me that a company was trying to get in touch with me about a debt I owed. The message they left on my parent 's answering machine implied that I would be served to appear in court in XXXX XXXX, WV if the debt was not taken care of. I called the number that was left in the message on XX/XX/2022 and was informed that two outstanding debts are in default and the loan holders were going to press charges. I was told I could be sued for {$1500.00} or pay them {$650.00} and they could take care of the situation. I asked what debts specifically they were trying to collect, upon ; I was told they were just the legal department of a third party company, and I would have to call Advance America to backtrack the debt. I said I would call them, I looked up Advanced America online, and they are a payday loan service operating out of Indiana, with no branches in West Virginia, where I live. Later that evening, my youngest brother, who I haven't spoken to in years, called me to say they also called him trying to find me. I haven't changed my address or phone number in years, and I have never been contacted my the representatives of any company in regards to Advanced America, as I have never applied or received a " payday '' loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously wrote to CFPB in reference to credit reporting. They made so made errors, they had me living in states I have never been in. Equifax is the worst. I wanted to temporarily unfreeze my credit report for a loan. They could not verify the information I gave them and would not unlock my report. I was reading the information from my online account. Which is outdated, items from 30+ years ago I could not remember for verification. Although I read the information from what was on line. They initially gave me a pin number, which they say they do not use anymore without telling the consumer. I gave them my address and social security number, etc and they could not verify me with that information. They also wanted me to send a photo of my drivers license, via my phone, which is absolutely insane, with so much info being tracked, etc. and scamming going on. Asking me about accounts that have been closed for 20 years. Nothing pertinent to verify my accounts in recent years. 
Spewing nonsense about how much did I pay a month, how many car loans, when was the last time I unfroze my account. Im not a computer, I either do not remember, and/or they have the wrong information that is not updated. I tried 3x and they would not unlock my freeze. Which has hurt my chances of getting a loan for a car, etc. To remember various account from years ago is ridiculous. They should go back and simplify their way of unfreezing your account, updating information and stop putting the REAL person through the ringer, like I am a criminal. Use more pertinent questions, and have people who understand the language better. I am livid and I am thinking about getting an attorney. I hope CFPB can help before I initiate that process. If they do this to me, they do and have done this to others. The first time I contacted CFPB was either XXXX. 
or XXXX 2021. Now it is XXXX 2021. Nothing has been accomplished.
Product: Mortgage

This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little. 

On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX. 

This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information. 

The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time. 

Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help. 

HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX  on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started. 

The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.
Product: Mortgage

I have been in a loan modification for well over 8 months with Bayview Loan Servicing and they have been jerking us around and not returning phone calls and as of now they ca n't locate a check that was sent ( certified and signed for by them ) at the beginning of the month, their response was they see it was received, they will look into it trying to locate it and get back to us. They are consistently inconsistent. Every month a check has to be sent over night with a tracking number which costs an additional {$20.00}. Wrong information is continuously being sent by Bayview. There are too many inconsistencies and " mistakes '' on their end. The issues are now compounding each other. We should have been out of modification about 5 months ago and able to handle all transactions with XXXX ourselves but we and our mortgage are being held hostage by Bayview. Instead we go from person to person even supervisors and nothing is getting resolved and all of our questions go unanswered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX