23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's  see how they help. Thank you.
Product: Mortgage

Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  act # 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 sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Student loan

I enclosed copy B of the 1099c that I received from XXXX. My debts are discharged/cancelled. According to the IRS publication cancelled debt 1099c is considered income. By law Income is not supposed to be reporting my consumer report only debt. Remove all Student loans tradelines immediatedly from Experian and XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit history with all 3 major credit reporting agencies, Trans Union, XXXX  and XXXX  all have my name spelled in different ways as if I have an alias. My name has always been the same. When I got married, I did not change my name, therefore, I saw no reason to think that I would have to make sure my name is spelled correctly on my credit report. I have been divorced for approx. 10 years and like I said, I did not ever change my name.
Product: Debt collection

Attention : XXXX XXXX Re : XXXX XXXX XXXX Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the Capital One statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts.

As a result, I have filed a police report. See attached.

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the Capital One bill showing an address that is not mine.
Product: Credit card or prepaid card

My father who is XXXX went online to renew his XXXX XXXX. He unfortunately came across a predatory site that was supposed to help him but instead just charged him {$170.00} to do what the government USCIS site already does. He called both the service provider and Bank of America - the provider of the credit card that he used - as soon as he realized that something was amiss. While the site promised a refund, he was only offered a partial refund. He then contacted Bank of America to dispute the charge. 

Bank of America has just notified us 4 months after the initial call that the dispute has been denied and that we have no recourse because we willingly provided the unscrupulous vendor credit card information. This is a business that has 150 complaints against it and rated an " F '' and Bank of America is actually abetting this predatory company. We might have to pay this money but never again will any member of this family do any business with Bank of America. 

They do not deserve your business.
Product: Debt collection

AARGON COLLECTION AGEN XXXX XXXX XXXX Account type Collection balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Your statement** CONSUMER STATEMENT** MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Checking or savings account

I am a XXXX  XXXX XXXX from XXXX connecticut XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX. There are plenty of locations in connecticut but my XXXX  is registered in the XXXX where the closest location is in XXXX XXXX. I came in and attempted to open an account with all of the necessary documents, the articles of incorporation, tax id, personal I.D . ect. And the manager made me feel like a criminal, he said he drove by my house everyday on the way home acted as though my docunentation was not enough and began ask me for additional proof of address and proof of homeownership like tax records to which I replied that it's public record he also mentioned something about we do not open accounts because people want to, that's when I had enough and told him well maybe I don't want to anymore, i asked for his card and told him what I just experienced here is discrimination and your going to regret it and left.
Product: Debt collection

Over the past several months, I have attempted to resolve/dispute an outstanding balance for pest control services. I've given XXXX XXXX XXXX and A.R.M. Solutions Inc. ( collection agency ) proof of my payments for services from screen shots of my bank account statements. This started in XX/XX/2023. I continue to get collection notices. If I call A.R.M. ( collection ) they tell me to call XXXX and if I call XXXX they've taken my proof of payment but doesn't seem they've notified the collection agency. I feel this is unfair debt collection practices at this point because they keep asking for proof and I'm tired of providing it multiple times.

{$380.00} outstanding for two quarterly services at my former residence.
Product: Mortgage

My wife and I have been working with Bank of America for the past month in trying to get our mortgage application approved. When we first started this process, our issues with other lenders have been ( i ) having my wife 's income included in the calculation of our debt to income ratio ( my wife commences her graduate residency on XXXX XXXX ) and ( ii ) closing as scheduled on XXXX XXXX, 2016. We were assured from the beginning and multiple times throughout the process that this would not be an issue for BofA. The only reasons we agreed to work with BofA were my prior relationship with BofA and their promise ( after being made fully aware of my wife 's start date and nature of her job ) that they would include her income and get the loan funded in time for our scheduled closing. In reliance on this assertion, we worked expediently in getting our application processed as quickly as possible and provided all documentation asked of us promptly in order to complete our application. After a long and arduous process, we were informed the week before the scheduled closing that BofA would not be able to live up to its promise and would not be able to include my wife 's income until she actually started working and that closing could take place no sooner than XXXX. After submitting a complaint, BofA suddenly changed its tune and now says that it somehow managed to obtain the information it needs to include my wife 's income, but at this point, given the timing, the financing we need will not be available by the scheduled closing. 
We are extremely disappointed with BofA 's handling of our application. Had we been informed from the beginning that BofA would ultimately have the same problem that each other lender has had, we would not have wasted so much time, energy and expenses in trying to push this forward. The entire process could have been halted many times. Instead, we were promised in no uncertain terms that the documentation provided to date was satisfactory ( we had even had my wife 's graduate school revise language of an existing letter at BofA 's request to satisfy concerns by the underwriter ) and that the underwriter would have no issue with including my wife 's income and approving the loan in time for a XXXX XXXX closing. As such, we demanded reimbursement of the expenses ( i.e., appraisal and HOA certification fee ) that we incurred during the course of the process. BofA agreed to reimburse the appraisal, but because the HOA certificate fee was not paid directly to them, they could not reimburse the amount. This is despite the fact that we were told by BofA that we needed to order the HOA certificate in order to process our application as soon as possible, and were immediately urged to have it ordered on an expedited basis ( which added additional fees ). Altogether, the unnecessary HOA certificate order fee came out to {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. 
Clerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. 
Inconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Summary : Affirm has confirmed a technical issue with deducting my loan payments and the research team has yet to provide a response in over 2 weeks. My account is now 30+ late and I am at risk of having a delinquency on my credit report. 

Description : During the month of XX/XX/XXXX, I attempted to make payments to Affirm to pay off my monthly loan amount and various times and then attempted to clear the full loan balance. For the first time in my account history, the payment was declined on the Affirm side ( not the bank side ) for an unknown reason - even with excess funds available in my XXXX XXXX and Bank XXXX XXXX accounts. I subsequently tried several different accounts and debit cards- all with excess funds available- each time the payment was unsuccessful on the Affirm side. I also initiated a three way call with 2 different banks where a payment was attempted and again, the payment was unsuccessful on the Affirm side. In each case, the bank rep confirmed that funds were available and the issue was on the Affirm side. In addition, Affirm representative has confirmed that this is a technical issue that they have never experienced and promised a call back withing 2-3 days. The first technical troubleshoot case was opened on XX/XX/XXXX - It's been over 2 weeks and no one can explain what the issue issue. 

-The account has been noted with the series of events. 
-There are several complaints and cases pending stemming from early XXXX. 
-I 've spoken with 4 supervisors, no one can help or help expedite the technical cases. 



Affirm Account : XXXX XXXX call log : XX/XX/XXXX - several times, XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

XXXX called Shellpoint mortgage telling them my financial issues I am having right now I got laid off and having issues with unemployment and mortgage assistance I spoke with a XXXX and a XXXX both said my mortgage needs to be 3 months behind before I can get assistance I am trying to avoid this my mortgage right now is current and neither acted a bit concerned I thought that was the most stupid answer to receive concerning your mortgage. 
My mortgage was originally with XXXX who said apply there wouldnt be a problem. 
I want this rectified and get the assistance I need when I look a Shellpoint website it even tells you apply for assistance so your mortgage does not fall behind
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
Product: Debt collection

I received a call on XX/XX/XXXX from Radius Global solutions from XXXX for an account for XXXX XXXX XXXX in the amount of {$960.00}. For 4 lines of service phone numbers XXXX, XXXX, XXXX, XXXX. After speaking with the rep I advised I had no knowledge of this account. The account was open from XX/XX/XXXX to XX/XX/XXXX. I have never used any of these phone numbers the only phone numbers I have ever had were provided. I also never lived at the address they are presenting, I have had family members and an ex that lived at that location, but I was in my XXXX living on my schools campus. After speaking with the fraud dept I completed a FTC complaint and advised them that this dept is over XXXX years old and there has never been any prior notification or default judgement entered so in that case in the state of NJ they are only allowed by law to pursue or collect on a dept within 6 years. We are past that point so I request that this dept be dissolved and stop the demand for payment on an outside of limitation account and also fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uncertain as to WHY these late payments are present on XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Product: Debt collection

I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim Collection/Chargeoff. 

By not replying in a timely manner to my initial letter on XX/XX/year>, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response now that I have informed you of your legal obligation to respond to my initial dispute that went unanswered.
Product: Credit reporting or other personal consumer reports

ACCOUNTS SHOWING ON MY CREDIT REPORT ARE FRAUDULENT
Product: Credit reporting or other personal consumer reports

Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested.

Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

There is a downward fluctuation in my Experian XXXX score which does not reflect my credit practices.