23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX 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 those account 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 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'm trying to link my bank account with stock market and I can't
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Mortgage

Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # XXXX XXXX, 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: Debt collection

My brother, who happens to be a XXXX in XXXX, received a call from Midland Financial LLC telling him I owed {$1500.00}, then asked for any and all addresses I may be found and finally for my ENTIRE social security number. This was followed by a court date which I could not attend because they sent the relevant documents to an address associated with my house which has been inactive for 75 years. I find this to be highly illegal and I will pay, but I want them to be restricted from these tactics in the future. 
To be completely straight-forward, my brother told me to consider them a scam and ask a more qualified attorney, who also told me to ignore them. If I had known back then who they were I probably would proceeded with legal recourse immediately, though they presented themselves in such a way as to trick me into believing they were illegitimate when in fact they restricted my ability to fix the matter.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2021. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX, XXXX and Transunion failed to investigate this account properly and your neglect has violated my rights.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from RS CLARK AND ASSOCIATES. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RS CLARK AND ASSOCIATES in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Debt collection

I had a short term rental reservation with a company, XXXX XXXX. The reservation was between XX/XX/XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX. 
I had pre paid for my stay with XXXX XXXX and it was settled. 

Somebody has signed a fradulent lease with my name, signature and initials for the same unit # XXXX at XXXX XXXX XXXX for a lease period between XX/XX/XXXX to XX/XX/XXXX There is unkown person XXXX XXXX also attached to the lease. 

A debt collector - COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX is reaching out to me to pay for this debt and they have also reported this fraudulent debt to my credit report. 
XX/XX/XXXX Account # : XXXX Original Creditor : XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$1900.00} Current Principal : {$1900.00} Interest Due : {$26.00} Total Due : {$1900.00} I have submitted mulitple proofs to Columbia Debt recovery stating that I never lived at XXXX XXXX XXXX in XXXX and actual address was in XXXX TX - 1. Actual valid lease at XXXX TX 2. Electricity bills from my actual address at XXXX TX 3. Police report 4. My driver 's license. 

Even with all these proofs, they are not ready to remove this fradulent debt from my credit report and still sending me emails to cover the debt. 

Attachments 1. Fradulent lease doc from XXXX XXXX XXXX XXXX. Police report 3. My Valid lease and electricity bills from XXXX TX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my XXXX report dated XXXX XXXX, XXXX. The third and fourth page is from TransUnion dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
Product: Debt collection

ON XX/XX/2017 XXXX XXXX XXXX WAS FOUND BY MY CREDIT CARD COMPANY XXXX THAT THE CHARGES THE COLLECTION CONNECTION IS TRYING TO COLLECT FOR WAS FOUND TO BE FRAUD AND MY CREDIT CARD COMPANY REVERSED THE CHARGES BACK DUE TO FRAUD. 

I AM RECEIVING LETTERS FROM THE COLLECTION CONNECTION AND THEY ARE TRYING TO COLLECT ON THIS AMOUNT THAT IS FROM XXXX 2017 THIS WAS DEEMED FRAUDULENT AND CHARGES REVERSED BY MY CREDIT CARD COMPANY.
Product: Credit card

I received an email from Consumer Financial Protection Bureau stating, '' Synchrony Bank has responded to my complaint and they are still working on the dispute. '' It seems that each time I receive a notification informing of Synchrony 's response to CFPB, I receive a bill that has the same amount which started this dispute.

If they are still working on this dispute, why are they sending CFPB one letter and me different notifications? Aren't CFPB and I supposed to be getting the same updates? That would be, YES!

I have received phone calls from the representatives asking me about payments, then I have to explain to the representatives about the dispute, because they're not informed about the dispute. Does that seem like Synchrony is still working on the case? NO!

I have no problem paying my debts, but I do have a problem paying a debt that was {$3400.00} USD before and after I was supposed to be credited {$2500.00} USD in to separate credits from Synchrony Bank. After the {$1000.00} USD was credited, the bill was {$2400.00} USD ; I paid, XXXX, {$570.00} USD which brought the balance down to, XXXX, {$1900.00} USD which was in a span from XX/XX/year> - XX/XX/year>. Synchrony Bank had informed me that my account had been credited {$1500.00} USD on XX/XX/year>, but my balance was/is still {$1900.00} USD? 

Again, I WILL NOT PAY THIS BALANCE OR THE BILL UNTIL SYNCHRONY BANK REMOVE THE MISCALCULATED AMOUNT. I know this is not the right amount owed.
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 Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple murders. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple murders they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and XXXX off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with XXXX XXXX now Im a XXXX with XXXX XXXX. Please restore my credit score to where  it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an auto loan with Santander for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted santander to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my XXXX credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Product: Student loan

I have been making payments on private student loans since XX/XX/XXXX on private student loans. The amount of payment has varied over the years. I was setup for auto payments that were taken right out of my bank account and each month for years I would get phone calls saying my loans were late. I would explain the same situation month after month ... .they are on auto pay..they are not late. Navient was not applying the payments correctly so late fees and interest were being applied. This went on for years. 

My mother is a co-signer on my privates. I applied this year ( XX/XX/XXXX ) to have her released and was denied. She is XXXX and on social security. Navient calls her because of my loans. This stresses her and I've asked them to stop. But of course she is a co-signer which is why I filled out paperwork to have her released. It was denied. 

My income has changed in XX/XX/XXXX and now I can no longer make the huge amount of monthly payments. I am starting to fall behind and the phone calls are starting. I have called ( XXXX, XXXX & XXXX ) several times to get the payments lowered. I'm told they can go any lower than the {$400.00}. I can not afford this amount. Navient said they is nothing I can do to lower my monthly payment. I have read about the lawsuits with Navient. I have had the same experiences with Navient dealing with my private student loans. I filed bankruptcy in XXXX and was told I could not discharge my private student loans. I am now reading that sometimes they can be discharged if I go before a judge. I was not told this and was not aware this was an option. 
I just need help to reduce my monthly payment.