23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received several alerts on XX/XX/2020 about a new collection account being added to my credit reports from MRS Associates for a XXXX  account. I am not familiar with this debt and never received any letters in the mail in regards to this debt. It is my understanding that I should have received a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor. I did not receive any such letters. 

I called MRS Associates on XX/XX/2020 and spoke to XXXX. I expressed my concern with the fact that my rights had been violated due to them not providing a notice of debt or right to dispute letter in regards to this account. XXXX said they tried contacting me and had sent an email. I triple checked my emails on XX/XX/2020 and XX/XX/2020 and had no such emails. I asked if after sending those emails, they had mailed a letter to the address on file within 5 days of that communication with the notice of debt and right to dispute as they are mandated by FDCPA. XXXX advised that they did not have to physically mail a letter. I asked XXXX if the alleged email she is saying they sent contained a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor and she stated she was not sure but said it " should have '' included the information. 

I proceeded to inform XXXX that they had violated my rights in not sending the notice of debt and right to dispute and they needed to remove the collection from my credit report, send me the appropriate notices and allow me my right to request full validation. XXXX said she was not a lawyer and did not need to know the laws and that they would not be removing this from my credit reports. I asked that she remove me from emails or any other communication other than US Postal mail and she said they could contact me in any way they saw fit. I asked XXXX to send a record of all former communication and she said they could sent it but I would still receive correspondences by email only even though I specifically requested to only be contacted my US postal mail. This company has failed to follow initial steps required to place a collection on a consumer 's credit report and have violated my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XXXX/XXXX/XXXX with One Main Financial. They performed a hard inquire that day.Then they performed another hard inquire on XXXX/XXXX/XXXX. This should not have occurred since they did it the day before. The hard inquire is showing up on my credit as hard inquire.
Product: Debt collection

On XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I was contacted via cellular text message from an unknown number claiming to be " Credence Resource Management , LLC, '' a debt collector. The supposed debt collector included a suspicious link indicating that it was an important notice for " XXXX XXXX XXXX XXXX. '' Additionally, they provided a phone number to call. I am a cautious consumer and do not click on suspicious links that are received via text. I avoid anything that appears as though it could be a scam or phishing attempt. Further, my cellular provider warned me that this could be " smishing or phishing. '' NONE of the following REQUIRED information was provided in the initial communication ( the text message ) : 1. Your name and mailing information, along with the name and mailing information of the debt collector 2. The account number associated with the debt ( if any ) 3. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date 4. The current amount of the debt when the notice is provided 5. An end date for a 30-day period when you can dispute the debt Upon calling the number provided to inquire about the text message, I was informed that the debt collector is, in fact, " Credence Resource Management , LLC, '' and was additionally informed of the amount of the debt and the creditor. The mailing information for Credence Resource Management was not provided, nor was any associated account number, nor any avenue for how the debt could be properly disputed. Upon my requesting that I receive the letter of debt validation and all associated information related to the supposed debt, I was informed that the letter would be mailed within 7-10 business days. This is beyond the 5-day maximum mandated by the Fair Debt Collection Practices Act. When I informed the collection agency of their blatant disregard for the law and requested that the information be emailed immediately, they again stated that I would have a 5-business day wait to receive the letter via email. The representative later indicated that I may have to wait up to 30 days to receive all associated information regarding the debt. I again gave the representative an opportunity to abide by the law and reiterated that this information must be provided to the consumer within 5 days of initial contact ( by XX/XX/year> ). I requested that the information be sent via email and as of writing this on XX/XX/year>, have not received the debt validation letter or any additional associated information via email or postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> Days late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I successfully submitted a complaint to cfpb on  XXXX   XXXX ,  2017 . The cfpb portal created gravely misleading reference number 2017- XXXX  by program error.
Product: Payday loan, title loan, personal loan, or advance loan

During the covid pandemic, myXXXX husband was not working and we had a XXXX IRS bill because I took out some retirement money to pay bills. 
I was granted a XXXX loan from BHG with all communications being via computer or phone. I was to pay XXXX a month and the money was removed from my account through automatic withdrawal. 
In XXXX of XXXX  I contacted the company and requested access to the loan information so that I could see payment history and amount remaining etc. I was denied that access and offered a refinancing agreement this made me suspicious, so I requested to stop auto withdrawal there was no response to this request. I closed bank account and they soon began contacting me and gave me the requested information that demonstrated that after paying XXXX a month for 3 years, all monies had gone to interest and noted a XXXX fee for loan processing. I requested a payoff, the amount they quoted me was XXXX. Original loan amount XXXX During these interactions I was told this was going to affect my business, that this was a business loan. I do not own a business. I was misled from the beginning. And am having no luck in coming to a reasonable compromise with this company. I am willing to payoff a reason able amount but what they quote is not reasonable. 
They call me daily ; have said they filled a lawsuit in New York and now I get texts about getting a loan to pay this debt off paying only pennies on the dollar with a supposed link to the court documents. I have not opened this text as I feel like it is further scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XXXX  OF XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX NAVIENT DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND NAVIENT AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO NAVIENT BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. XXXX is {$450.00}, check # XXXX. XXXX XXXX  continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.
Product: Credit card

I applied for an American Express business card to use for my business and I got declined. I provided my ein and LLC.
Product: Credit card or prepaid card

I got notice of an inquiry from Comenity Bank ( which I never heard of ), and apparently, the company ran a " credit pull '' without my authorization. 
So I have an " inquiry '' on my account that WAS NOT AUTHORIZED BY ME. 
I also have a credit card in my name that was NOT authorized by me.
Product: Debt collection

My credit report includes accounts I believe are unauthorized. I request these accounts be removed and blocked as soon as possible.
Product: Debt collection

I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to XXXX XXXXXXXX XXXX This account appears on my credit report ( Equifax XXXX XXXX ) inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that 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. 

XXXX XXXX XXXXXXXX XXXX has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).
Product: Debt collection

Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX2020 a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XXXX XXXX, 2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!
Product: Credit reporting or other personal consumer reports

I applied for a mortgage refinance with my bank. TransUnion sold my contact information to a XXXX XXXX XXXX. I have been overwhelmed with phone calls, text messages and emails since I filled out my loan application. I have told them to stop calling but Im getting calls nonstop.
Product: Debt collection

I filed a dispute with the XXXX credut bureaus on XX/XX/XXXX because this debt with XXXX was XXXX through a XXXX XXXX XXXX in XXXX. 

On XX/XX/XXXX and XXXX I received emails from the company and I have since received several telephone calls and voicemails from the company asking me to verify a debt that they provided the financing for. 

On XX/XX/XXXX I sent a dispute directly to the company requesting that their entry be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I do not owe this company or covered bridge capital anything. The company states in the contract that unless I am paid for my injuries from the auto accident they dont get any compensation. 

I have not received a penny from the accident. There is a contract stating this. 
This company trans world systems is aware the debt being collected is fraudulent and is attempting to collect a debt not owed. I also have a contract stating this to prove this. 

Please investigate this company and covered bridge for attempting to collect debts not owed when no settlement has been received. Since they both have violated the contract stating they will not collect unless I recover a accident settlement ( which I have not ) I now consider the contract void and any amounts they would have received to be voided.
Product: Credit reporting

I have an unauthorized inquiry from XXXX XXXX on my equifax credit report that I would like deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Equifax appears to have wrong address or other personal info. Can not get beyond the ROBO answer machine to unfreeze credit report. 

Equifax created the need to freeze accounts and yet is too despicable to answer calls from their victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING
Product: Credit reporting or other personal consumer reports

Im 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.