23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a summons at work, on XXXX XXXX XXXX. I called the debt company MS Services LLC, to settle a debt before a hearing, judgment, or garnishment happened. On XXXX XXXX XXXX  @ XXXX XXXX. To go over a payment plan, to settle debt so I didn't have to go to court. They refused and said NO rudley saying they can not stop the summons. I spoke with my XXXX XXXX they can settle with me outside of court, and MS services refuses to settle unless pay full amount asked for. I explained to them I can not due to the trauma and the hardships, they didn't care and said I should have taken care of this back in XXXX. They threaten to hang up on me several times. I asked to speak with management, he said NO, I should go and pay my XXXX  bills. I am hanging up with you now if your not gon na pay your bill. They said I could make a payment today towards the amount but it has to be full amount. Which didn't make sense to me. They didn't classified whom they were with nor that our phone call was gon na be recorded. Which was NOT. I called them back to settle with them again before brought my lawyer involved. They said we're still not working with me and hung up again. They were very unprofessional, rude, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XX/XX/year> someone opened an account with synchrony bank/Walmart in my name but used an address of XXXX XXXX XXXX, XXXX, VA XXXX XXXX I never lived at this address. I knew nothing of the account until I checked my credit report years later. I have disputed the charge on this account several times with no luck. Today when I checked my XXXX report, I learned that it was Synchrony bank that had reported the XXXX XXXX XXXX address to the credit agencies. If the address had been mine, I wouldve gotten the bills and been alerted to the fraud much earlier. I want this removed from my credit record
Product: Debt collection

they were for patient XXXX, my daughter, I sent some of them to my x wife as per our divorce settlement. I also visited the XXXX office near me that I used to use, and asked for an explanation and was told I owed nothing. I always paid when I went to the doctors, as is their policy. I then paid in full if I owed them. 
In XX/XX/XXXX, my daughter XXXX started XXXX XXXX and saw XXXX XXXX XXXX   near XXXX, MI where I live. It turned out to be a different XXXX XXXX office. They found my name and began to hound me for their money. 
XXXX XXXX, who wanted their money, and XXXX my x wife both ignored my plea to do things properly. 
So a few months ago I got a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for an amount {$50.00}. The original bill was {$30.00}. 
*see original letter ... 
I responded by sending them a letter protesting the debt and asking for clarification. 
*see Creditor ... 
I asked for clarification. Who was treated? When? Where? For what? I Got a response dated XX/XX/XXXX. I don't know if I got a verification of claim, and I saw no copy of judgment against me. 
*see reply cover letter and replies 1 through 9. 
I noticed XXXX was listed as a patient, though I never took her. I also noticed that suddenly I was the patient. 
After my letter asking for clarity, I got this from XXXX XXXX dated XX/XX/XXXX for {$30.00} again. 
*see Latest bill Now I was the patient, and still no service date or expense accounting information. Even worse, two groups were asking for a different amount of money for the same service. Somebody decided I was more likely to pay I suspect. 
Since I was actively trying to correct the problem, I was totally unprepared for collection. I expected my x wife at least to pay. So I have no old bills. I thought the problem was being solved. 
Those bills I did not forward were tossed as useless paper. 
The XXXX XXXX XXXX XXXX, XXXX, says this happens alot, and they are interested in what the CFPB would do. The Motion for a referee costs {$100.00}. I've asked not to be charged. So I will pursue if its free there. The problem is over a year old so a judge must now sit in through a referee. 
Now since XXXX XXXX has lied about who was treated, and XXXX XXXX. will either ruin my credit, or garnish my check, I'm getting scammed. I do not owe any of them money, but they want it otherwise for some reason. 
So I'd like some help, please. It's not alot of money, but I shouldn't be getting bullied by them for it anyway. 
Thank You!
Product: Credit card or prepaid card

For the dates of XX/XX/XXXX thru XX/XX/XXXX totaling in the amount of XXXX was all fraudulent transactions. In the month of XX/XX/XXXX I notice these fraudulent chargers. I then found out that a friend of mines, XXXX XXXX, had stolen my card. As months progressed he ended up stealing 6 credit cards. XXXX is the only credit card company that Im having trouble with pertaining to my credit cards. Its an insult for me to received a letter stating that I participated and benefited from his transactions. Ive been dealing back and forward with XXXX since XX/XX/XXXX. The first time ( XX/XX/XXXX ) and last time ( XX/XX/XXXX ) they told me that I couldnt dispute because its someone that I know. In the month of XX/XX/XXXX they credit my account XXXX but when I question them about the portion credit they again reopen my claim. Two months later they put the transactions back on my account. XXXX is not honoring the zero fraud liability policy. XXXX XXXX was arrested on XX/XX/XXXX for theft of my credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my public record
Product: Debt collection

I found a collection derogatory on my credit bureau report. They started reporting in 2023. This is an old bill from a doctor that was invalid. And it was more than 7 years ago. Wakefield never contacted me and then suddenly report this as a new debt. It is invalid. I have disputed with XXXX several times and they just state that the Wakefield validated it. No paperwork, no proof, no records of my doctor visit and insurance. What are their requirements for validating a fake debt?
Product: Debt collection

I have paid and have receipts and ftc reports and police reports the bureaus are still leaving this charged off account of my report which is hurting my score please remove this immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow you to freeze and unfreeze your credit unless you pay them. I should not have to pay to have that done. I have paid before and now when I try to log in it will not let me do anything until I enter credit card info to pay for their service. I filled out the form and it said they could not verify my information I had to call. This is happening EVERY TIME I TRY TO LOGIN TO MY INFORMATION.
Product: Checking or savings account

My father passed away some time ago and I am trying to settle all of my fathers affairs with accounts and property. His other accounts and property have been handled with no issues at all except for the account at Bank of America estate department. I opened a case with the estate department in XX/XX/XXXX and that case number is XXXX. I was given the instructions to submit a death certificate, letters of instruction for all parties and a court order. All documents Mentioned above has been sent at least 3 to 4 times to XXXX and I am told different things about the documents saying that some of them were received, some were not or some of the representatives saying it takes 24 to 48 to be seen and added but it has been times I sent documents and they were sent immediately by the representative. On my second to last of the multiple calls waiting for an average of an hour, I was informed my court order was rejected by the estate department because some things were redacted and I would be receiving a letter in regards to this. Upon waiting for this letter to arrive in which has been over a month, I verified my address they had on file for me and it was an address that I hadnt given them and has not been used in over ten years. As of this writing, I have yet to receive the rejection letter. On XX/XX/XXXX, my lawyer was able to obtain an clear copy of the court order and it was sent immediately at XXXX and three additional times at approximately XXXX. After being on hold yet again for an hour and a half to see if the documents had been received, I was told that it takes 24 to 48 hours to see the documents again after previous representatives verified it immediately. I became upset and I had my case escalated immediately and I will have a call from the escalation team within 24 to 48 hours. I reluctantly gave in and they gave me a complaint number of XXXX. 48 business hours have passed as of XXXX today XX/XX/XXXX and I have still not heard from anyone via phone call, email, mail. Please help me as this is my fathers final objective and his estate can be successfully closed and this can be put to rest. Thank you
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the elimination of any incorrect accounts from my credit report. Can you please verify the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Vehicle loan or lease

On XX/XX/XXXX, Ive received correspondence from Mercedes Benz Financial, ( see attachment below ). Notice of Violations I am claiming violations of 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application. 15 U.S.Code Chapter 41 Consumer Credit Protection Penalties to Mercedes & Bureau Of Consumer Protection 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WiTHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit by the United States . Please reverse the denial and refusal to provide full extension of credit requested. These are all violations of Public Law 73, Privacy Act of 1974. 

On XX/XX/XXXX CFPB responded to complaint # XXXX expressing to reach to you directly regarding these violations. 

Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.
Product: Student loan

Due to the improper billing address and Sallie Mae not updating it when asked, one payment of a three payment plan was missed. They will not allow a new program to get it caught up.
Product: Debt collection

Portfolio recovery associates. They call me late at night when asked not they. They always call me from different numbers never the same. The only call the same until I block them because they will call multiple times a day. They will swear at you when you get mad. They do nothing but Harass you. I was in a car accident I pay the money that I can little at a time and they will not stop calling me.
Product: Mortgage

I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? 

loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am an individual who has avoided debt up to this point in my life. I am now applying for a mortgage, ( starting about XX/XX/year> ) and all three credit bureas ( or at least whichever one the bank talks to ) insist that my credit score is frozen or suppressed. I would like to lodge this complaint against all three ( XXXX, Experian, and XXXX ), as I have attempted to call their customer service lines, only to politely be told to create an online account, or for the answering robots to break and stop registering my attempted responses to questions. 

I created an online account for XXXX around XX/XX/XXXX, and there was no indication of a freeze or hold on my account. I attempted to make an account with XXXX today, XX/XX/year>, and got an error that their servers could not be reached. See attached error screenshot. I feel as though I am running out of avenues to contact an employee or automated system that will help, and I am trying to close on a house XX/XX/XXXX, so we need the credit reports long before that for the bank.
Product: Credit card or prepaid card

ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO REDUCE MY CREDIT LINE FOR MY AMAZON STORE CARD FROM XXXX TO XXXX. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY AMAZON ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ON ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP QUICK. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH DISCOUNT TIRE TO PAY THE ACCOUNT. BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY AMAZON ACCOUNT ONLY FOR EMERGENCYS AND XXXX. I HAVE NOT CHARGED ANYTHING ON MY AMAZON CARD IN 6 MONTHS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE. I HOPE YOU CAN HELP. THANKS
Product: Credit reporting or other personal consumer reports

This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from Experian and XXXX but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year, this accounts does not have monthly historical data to prove its accuracy. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Product: Debt collection

XX/XX/2022 I sent validation letter requesting documents that debt was owed to the company on my credit report. The company responded with a letter stating i owed a different company other than them. The company also reported an different amount thats on my credit report thats in the letter theyve responded with. They didnt send any original documents/contracts with my signature, they sent copies from a bill statement with inconsistencies of the amount owed to an other company than themselves. The letter i sent XX/XX/2022, and their response is attached in this complaint along with screenshots of what amount is stated on my credit reports. I asked them to cease and desist if they couldnt provide documents and they are causing me emotional distress due to financial claims that are hindering me to progress.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The website for this company has been down for over a week or more due to a system upgrade. At first no access, then access to pay a bill only and finally when supposedly back up I can not login to my account. I have a login and password saved to my system so I have not forgotten or mistyped it. After two unsuccessful tries, I got locked out of the system. I said to go to a link provided and I did. I followed the instructions and tried to login and was still unsuccessful. I called customer service to get my account unlocked and was told that she could not help me and that i would have to wait two hours. I asked to speak to a supervisor and was put on an extended hold. The girl came back on and said she was still trying to reach one. I said neverminded because I can not wait on hold forever. It is important that I be able to access my account at all times to see the purchases and refund activity. I currently am in the process of remodeling my home and have returned several items and must ensure that the dollar amounts have been refunded properly. This is beyond acceptable business practice. This company should not be permitted to operate in this fashion.