23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wrote 10 times this letter : Dear Sir/Madam, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt ( s ) because I do not owe it.

disputing this debt, that is not reported it in credit reporting agencies.

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Failure to to this in the next 48 hours, I will legally file legal proceedings with the attorney general in my state.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Product: Debt collection

I was let out of a previous lease from XXXX and I was informed I would receive a bill after my deposit was deducted from the balance of the last month 's rent only if I owed. I was informed by the manager that I should NOT have much balance after deducting my security deposit. After not hearing back from the leasing manager, I called and was informed they were attempting to locate the paperwork from when I initially moved into the apartment complex since it was through a different company and they ( XXXX ) bought out the previous owners. The leasing manager confirmed my previous apt . # ( XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) and confirmed I was moved to XXXX XXXX XXXX XXXX after many of us was relocated different apartments due to fire. Months later I received a bill stating I owed {$780.00} with no deduction of my deposit. There was no damage to the apartment, no clean up fees attached no nothing but this balance for the last month 's rent. Later I wrote them online through their website and never received a reply. I also wrote the management company and never received a reply. I then later received a bill from a collection agency with a larger amount, when I called them they stated it was due to interest. I explained to them the inaccuracies and informed the collection company I should not have a balance, but it did n't matter to them.
Product: Checking or savings account

Opened the saving A/C on XX/XX/XXXX with Citizens Bank with {$100.00} initial deposits - saving A/C # XXXX, Routing # XXXX, also received the receipt acknowledge by them. 
XXXX XXXX wanted to access a/c to deposit more money, could not log into a/c so called customer service dept. - talked to XXXX. She said do not have any more a/c and Bank has ended the relationship. Then talked to several times to find the reason for closing the a/c and to return my initial deposit of {$100.00}. Finally talked to XXXX on XXXX and she opened the case # XXXX to further investigate. Did not receive any communication, so called again on XXXX and talked to XXXX- she suggested to get the letter from XXXX XXXX XXXX  XXXX On XX/XX/XXXX my bank ( XXXX  ) talked to their staff - XXXX  personally and talked almost 1 hour and 30 mins, but no good solution and said can not help anymore and said can not talk anymore or cant give more info. and hang up. I have tried to log into my a/c several times but no access. They have closed my a/c but not refund the deposit. Please help to recover this amount. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Product: Credit card

Last summer in XXXX I was approved {$11000.00} credit card with Care Credit/Synchrany Bank . I was informed that Id have 1 year to pay the amount approved before interest would start accruing. I was never informed of a deferred interest rate and if I was it was never explained to me that was a large amount. On XX/XX/XXXX an amount of {$3400.00} was added to my account which caused my monthly payment to increase significantly over what Im able to afford each month. Due to unexpected expenses I was unable to pay the loan off in one year and I tried explaining this to several account managers. There were a few times I wasnt very pleasant with them over the phone because they kept repeating the same information as if they were reading from a script explaining that I was informed at the time of the loan application and each month on my monthly statements ( that Im not even able to access ) and I told them this several times. I also requested a hardship program but I was denied while they closed my account claiming it was per my request.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. 

XXXX - Late 150days XXXX - Late 150dayXXXX
Product: Checking or savings account

I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.
Product: Credit card or prepaid card

On XX/XX/2017, we charged a tuition payment of {$4600.00} on our CHASE credit card to " XXXX '' vendor. Our credit card was compromised and the payment was retracted by CHASE. Somehow, XXXX was involved ( by XXXX ). Over the past 18 months we have had numerous communications with XXXX, XXXX and CHASE none of whom admit to having the funds. We certainly do not have the money. I have not utilized the XXXX program and want to receive our money back. Please help. Thanks.
Product: Credit card

I went to pick up my new debit card on XX/XX/XXXX because PNC had failed to send me one in the mail despite my debit card expiring that same month. While I was at the bank, XXXX ( I do not know her last name ) asked me if I would like to apply for a credit card two separate times, I politely declined both times. Two hours after leaving the bank with my new debit card, having signed nothing or consented to anything other than receiving my new debit card ; I received a phone call saying that I was " accidentally '' signed up for a credit card. I have received no resolution to this issue and have been brushed off when I have asked for documentation regarding this card created in my name and without my consent. PNC has run my credit, thus lowering my credit score, and signed me up for a credit card without my request or consent and I demand a swift resolution to this issue, as well as accountability from the offenders.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a business cash advance on behalf of my company XXXX XXXX XXXX. I submitted all required documentation as well as allowed them access to verify my bank account. They sent me a ridiculous offer with outrageous fees and I declined. They then came back with reduced ridiculous fees but demanded that I provide them with my log in credentials to my financial institution which I declined so they proceeded to withdraw their offer for funding. The following day they attempted to take their processing fees of {$950.00} out of my business bank account via XXXX which I did not authorize so I put a stop payment on it. The company then proceeded to file a lawsuit against me in the state of Oregon which I do not conduct business in and is impossible for me to attend any proceedings stating that I was in breach of contract by refusing to pay their processing fees and were now fining me {$10000.00}. They have submitted an information subpoena and restraining notice to all of my financial institutions freezing all of my accounts and assets and have even submitted the same documentation to XXXX claiming that another business that is owned by me is included in that law suit when it is not. The only business listed on the application to that lender is XXXX XXXX XXXX. They have frozen accounts belonging to XXXX XXXX XXXX and XXXX XXXX XXXX. This has been described to me by other financial institutions as predatory and fraudulent lending practices. Because they have frozen my assets I am not in a position to pursue them legally.
Product: Debt collection

I discovered unknown Collection account on my credit report from Portfolio Recovery I mailed letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports repeatedly and no change to credit reports. Portfolio Recovery did not notify credit reporting agencies I was questioning validity of debt I mailed another letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports and no change. Did not notify credit reporting agencies I was challenging validity of debt. 

Also have strong reason to believe contacted a distant family member my phone that resides in a separate household that I have never resided in or cohabited with. 
Results wanted. 
1. Immediate validation of debt and notice to credit reporting agencies I am requesting validation 2. Fine Portfolio recovery for failing to respond to debt validation request ( s ) 3. Fine Portfolio recovery for failing to notify credit reporting agencies of my request for validation 4. Discovery of all Portfolio Recovery activity regarding my account including but not limited to : written letters, internal company email correspondence, received scans of my validation request letters, phone numbers called regarding the alleged debt, and all records regarding validity of debt. 
5. Investigation in to business practices of Portfolio recovery and notify US Attorney General you are investigating and notify all states Attorney General that you are investigating company
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card

Last year, I set up autopay on an account. I was having issues doing so online so I called in and got some help to set it up. Apparently, it was set up to the wrong account and was pulling from the savings monthly instead of the checking account which was my original intention. This led to a payment this year being returned due to insufficient account balance in the savings account. The payment is so small, {$61.00} a month, so really making this payment is no problem for me at all. I called after I found out the payment did not go through and immediately made the account current as I have a perfect payment history on all my accounts. I had the agent switch over the auto payment system to my checking account. I thought that by the following month, it would have the subsequent payment go through as well. I also found it really misleading for the app to say XXXX XXXX and then for the payment not to be activated for the following month, leading me to think everything was good and no additional action was needed. 

I want to write in to ensure that the 21 month period 0 % APR extension offer will not be withdrawn and will be honored for this account since it seems there were some misunderstanding and confusion regarding the auto payment system that caused these late payments, rather than a lack of sufficient funds.
Product: Credit card

I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you
Product: Mortgage

As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a current balance in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no balance due and consequently nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

I opened a Care Credit account for an emergency dental procedure in XXXX XXXX. I also setup auto-pay in order to pay down the debt. Everything was fine for the remainder of XXXX most of XXXX. 

I XXXX XXXX overseas in XX/XX/XXXX, and during that time my auto-pay information had changed and the payments were not going through. At the time I was unaware of this issue. 

Around XXXX XXXX I contacted Synchrony and setup a new auto-pay account with one of their phone advisors. I assumed everything would be fine like before, Later I came to find out that I was getting charged late fees on the same day as my scheduled auto pay. I was getting erroneously charged a late fee on the say I was paying the debt. 

I could view a limited time frame with their app as far as the payment history. I have attached a screenshot of what I could see at the time. 

Eventually, I contacted another phone agent in XX/XX/XXXX with the purpose of paying off the debt and closing the account completely. I spoke with someone named XXXX who referred me to someone named XXXX. He assisted me with paying off the total balance of {$1500.00} and closed the account on the same day. 

The reference number I was given is XXXX. 

It's now XX/XX/XXXX, and I have multiple emails from Synchrony Bank stating I owe them {$40.00} towards that same account that should have been closed. 

On top of that my credit score has been negatively effected by this {$40.00} that I do not owe.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX AND BLOCK THIS XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I live in the City of XXXX, in XXXX County. As widely publicized in XXXX, our property tax bills were delayed due to disputes over the tax digest used. New revised bills were issued on XXXX/XXXX/XXXX. I contacted my mortgage company, Assurance Financial, the week of XXXX XXXX to make sure they had received the revised bill. They had not and at that time I sent them a copy with pleadings that they make sure my bills were paid on time. I noticed on XXXX/XXXX/XXXX, that my escrow account had been debited for my County taxes which were not officially due until XXXX/XXXX/XXXX. I reached back out to Assurance and stressed that I wanted to be sure the City taxes due XXXX/XXXX/XXXX were paid. The customer service representative assured me they would be paid one time, but my escrow summary did not reflect any taxes being due, which I kept telling the representative. The escrow department at Assurance seemed to have no knowledge of GA mortgage laws as they insisted the taxes had been paid at closing, which I knew to be untrue. I reached out again the following week when I still saw no changes to my escrow account. Again, I was reassured that the payment would be made on time. One XXXX XXXX, I checked my account and noticed the payment still had not been issued and the funds were still in my escrow account. I attempted to call only to learn the company closed that week! I sent a message via their secure message center stressing the urgency that my bill must be paid that week or be delinquent with interest and penalties. I never heard back from the company. I called on XXXX/XXXX/XXXX after the payment still had not been made. I spoke with a manager who assured me they  were " researching '' my issue. I sent him ANOTHER copy of the bill and asked that these taxes be paid immediately as my escrow had more than adequate funds and the taxes were now past due. I was assured someone would call me back within 24 hours and I 've yet to hear from anyone and my account reflects no changes. This also will cause me to miss out on my mortgage tax benefit which I really needed this year.