23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
Product: Debt collection

Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. 


USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 XXXX
Product: Debt collection

When a credit report inquiry was pulled by XXXX in XX/XX/XXXX, I did not receive the credit card and was notified that I did not receive this card due to " delinquent obligations ' on my credit report. I have excellent credit. I recently was approved for a car loan, with no issues whatsoever. When I received the letter regarding the rejection of credit I contacted the 3 credit reporting bureaus and pulled a report. I was shocked to find 6 collections from the same company. Upon further investigation, the collection Company : CBE Group, was given this information or information was turned over by a company XXXX XXXX XXXX '. Upon FURTHER investigation, this company exists in UTAH, where I haven't lived since XXXX of XXXX. The 'debt ' date is showing XX/XX/XXXX. I disputed the 6 collection accounts, and 4 were removed recently ( XX/XX/XXXX ), but two still remain : a {$300.00}, amount and a {$620.00}. amount. Both 'account numbers ' are the same. 
I am 'told ' that this is all I can do since they ( CBE Group ) are holding fast to me owing a debt I have NEVER heard about until this initial credit inquiry in XXXX. I wish to complain, request these to be removed, and also wish to have a note added to my credit report that I am and continue to DISPUTE these accounts as NOT MINE. I was not in Utah in XXXX, and there is not a company here in OREGON ( where I have lived since XX/XX/XXXX ) that operates under that name. I have excellent credit and have worked very hard to maintain that status. I believe this information to be erroneous, and want it removed ( not just 'disputed ' and still listed ... removed please ). Thank you
Product: Debt collection

In 2019, I ( XXXX XXXX XXXX XXXX Into a consumer credit transaction on XXXX XXXX. XXXX  Tower Loan which became a serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with the option to opt out of all credit reporting 15 usc 6802, ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is By willfully doing this Capital One has violated many laws according to truth and lending & fdcpa. Also all consumer credit transactions are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the XXXX  listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Debt collection

On XX/XX/XXXX @ XXXX I received an email from Advanced Capital Solutions in regards to an attempt to collect a debt. The original furnisher list is XXXX. As of XX/XX/XXXX I am officially disputing this debt. 

I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX. The account number for this debt listed in the email is XXXX. Reference number XXXX. 

I am disputing this debt because I do not believe that I owe it. I have never received any documentation from XXXX regarding this debt, and I do not recall ever having an account with them. 

Furthermore, I have never signed an agreement for my information to be shared or sold to Advanced Capital Solutions, nor do I have a contract with Advanced Capital Solutions. This is a direct violation of my consumer rights cited by the FDCPA. 

I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX, or to Advanced Capital Solutions. This must be written, original documentation, not electronic forms or scans. 

I am also requesting, as I have not consented, that you not report this debt to the credit bureaus while the dispute is pending. At the bottom of the email it stated : " IF YOU LIVE IN KANSAS THIS APPLIES TO YOU : An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation. If your debt is past the statute of limitations, you are hereby notified of the following important consumer information : The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt. '' Please be advised I never consented for Advanced Capital Solutions to pull my credit, nor do I live in Kansas. If my credit report has been pulled, please note I never consented to it and was done illegally. I will be verifying this with all 3 consumer reporting agencies. 

I am requesting Advanced Capital Solutions cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Advanced Capital Solutions cease and desist all attempts to collect this debt further. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I had a Capital One Credit Card and I wasnt able to make the payments at the time. When I tried making the payments, Capital One decided to close my account. This led to my credit score dropping very bad
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Mortgage

XX/XX/XXXX the attorney we used in the past sent a release letter to Fay Servicing so we could talk about our account and they wont because the email was not stamp signature which they did not tell the attorney he needed to do I feel they want to take our home from us.
Product: Mortgage

We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.
Product: Mortgage

Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.
Product: Debt or credit management

I recently received a judgement at my work for a wage garnishment. The original judgement was from 2016, I received the paper work a few days ago, which is 8 years later. I have no idea what this debt is and was never notified of this debt or the judgement. The court records say I was served back in 2016 which is false. The company that claimed to have served me in person is in XXXX XXXX, which is over XXXX miles away from my residence. I see there are many complaints agains Portfolio recovery management for fraud and shady business and collection tactics. This judgement doesnt even show up on my credit, which I have been actively tracking. I have no idea what this debt or judgement is and now this company is trying to illegally garnish my wages.
Product: Vehicle loan or lease

This has been an ongoing issue with PNC which was Compass Bank and which was BBVA at one time. I have reached out and asked for explanations as to why my report shows a 90+ day late payment when according to my financial institution no payments were reversed nor were they ever sent back. I have never received any correspondence from BBVA/Compass Bank/PNC on this matter and have been sending emails to an individual to fix this issue and still get no response. I have received notification from XXXX that my account was updated and they made it worse by falsely reporting dates. I have the bank statements showing payment done and from what I was told over the phone today that a payment was reversed and that is why it was 90 days, why was it reversed? Why will no one call and explain it to me or get me to someone who can explain what had happened and why will they not remove the repossession notice that BBVA has placed?
Product: Credit reporting or other personal consumer reports

You never provided an answer of your involvement of two purchase agreements you sign off on 1. Hud a sale date of illegal XXXX XXXX  XXXX XXXX XXXX and XXXX and fake XXXX  fired. I reported to XXXX as XXXX. Then your support led to XXXX XXXX XXXX went on to cash XXXX XXXX  escrow account checks in my name led by corrupt XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX and reported as XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX  used a fake loan for XXXX y'all shared. Then XXXX XXXX XXXX XXXX XXXX XXXX and enforcement officer under XXXX discovered my settlement and now XXXX XXXX no XXXX XXXX  -XXXX XXXX XXXX XXXX and now XXXX confirmed my loan was paid off in full XX/XX/year>, please investigate.
Product: Debt collection

They sent me a letter stating that the documents I provided do not constitute a valid negotiable debt instrument and the refuse to accept. UCC 3-306 states " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge, to the extent of the amount of the tender of obligation of an indorser or accomodation party having a right of recourse with respect to the obligation to which tender relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i submitted a dispute letter to XXXX XXXX espressing the information is inaccurate. 

in accordance with the fair credit reporting act XXXX XXXX XXXX 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.
Product: Credit card

I enrolled ( and have since unenrolled ) in electronic statements from Amazon'sSynchrony Bank system. I thought I read everything carefully, but nowherenoticed that I would not be seeing my individual transactions listed -- just thedollar amount of those transactions. Now it is true that one could go back andresearch all of the monthly transactions, but that 's like reinventing the wheel. 
Is this format truly acceptable? Paper statements do include individualtransactions and I do not understand why since both are managed by the samecompany they should not be identical. Thanks for any consideration you canget to help me understand this issue.
Product: Credit card or prepaid card

I just logged onto my account with Citi to find a payment was 36 days overdue. Ironically I never missed a payment with any company in years and just received an email about that earlier today. I checked my email to see if I missed a notice but couldn't find any from Citi. I was having a difficult time trying to find a statement on the Citi site and finally started a chat session to find out what's going on. The first person led me to my statements and I saw a {$39.00} fee and asked about it. They said it was because of a missed payment. I say I never got a notice, email or otherwise, it goes back and forth until I realize there was a fee on the XXXX bill as well. When I looked more at the statements I saw two purchases from XXXX AND I DON'T HAVE A XXXX ACCOUNT. I mentioned this to the person and they say they are making notes for another department to waive fees and want to transfer me to them. Someone else comes on and says they tried to waive the fees and was denied. He gave me a number to call and speak to someone about the fees and says he will issue a new card. Then he says he can't issue a new card or the fees won't be reversed. It has been nothing but confusion to this point so I call the number. I try to speak to a person and get a computer-generated message saying " fees can not be waived '' and the call disconnects. Now I admit I've been having trouble seeing since I had XXXX  XXXX for a XXXX XXXX on XXXX XXXX, been back twice for additional XXXX and still can't XXXX   clearly but if I had gotten an email I would have responded and paid my bill. Citi just opened this account 3 months ago and I'm sure they saw that I have never been late on any payments and this situation is going to ruin my good credit. This experience has been horrible. Even when I asked for a copy of the chat they tell me to click on an icon on the top of the chatbox, BUT THE ICON WASN'T THERE. I hate to say they are taking advantage of a senior citizen but they are doing absolutely nothing to resolve the issue, just conflicting information. 
I had to copy and paste it before the chat box was closed. Horrible company for customer service.
Product: Checking or savings account

XX/XX/XXXX, I was the VICTIM of Fradulent charges in My BANK OF AMERICA accounts ending inXX/XX/XXXX & XXXX. I Sent in documents to BOA, Police Report, Etc but BOA still refused to credit back my account, even after I did the proper procedure. I did these claims at least 3-4 times. When I notify BOA that I want documentation in writing of why they REFUSED to pay me back the funds that was taking FRAUDULENT from myself & told them I had a Lawyer, and wanted the claims re opened again for FRAUDULENT activity for the 4 or 5th time, They proceed to close both my accounts, for FRADULENT activity, 2 months later, Retailiting against me because I told them I had a lawyer since they wasnt paying myself the money back. BOA are taking peoples money including mine, they did NOT do a proper investigation on my claims & are trying to hold me accountable & refuse to give myself the money back. In my XXXX account it was a total of {$1800.00} ( give or take ) and {$950.00} in my account ending XXXX.
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} ENHANCED RECOVERY CO L ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Product: Money transfer, virtual currency, or money service

Hi, I have a XXXX account which I had been using successfully for a few months. My last transaction sent to XXXX was for XXXX on the XX/XX/XXXX which successfully went through. 

Just before the money arrived in my XXXX account, I found that I could n't login and that my username or password was incorrect. After attempting to gain access many times ( I know the password ) I went for a password reset which, again, did n't help. 

Now it says my account is disabled and to contact support, who have not replied and are of no help at all. I 've tried contacting them through all of the different channels, and they are not responding. I do n't know why my account is disabled, I do n't know how to get it reactivated and they have my money. I feel like XXXX is a complete scam. 

Please help, I 'm not sure what to do now. 

Thanks, XXXX
Product: Vehicle loan or lease

Hello my name is XXXX XXXX I have a XXXX XXXX XXXX with American Credit Acceptance .When I first got the Jeep it was XXXX Now they telling me at was XXXX I have been paying on this truck for almost 2 years and the balance is every time I make my payment of the due date which is the XXXX of each month they have it going straight to my interest and not my principal and every time I make a payment weeks early they will have a small portion going towards my principal. I will never be able to pay thiXXXX XXXX XXXX off if they keep on ripping me off. They got sue in the State of Massachusetts and the company have move, so many customer is complaining on them can someone please do something about this matter.
Product: Debt collection

Nelnet XXXX XXXX XXXX has misreported my student loan debt, I have hired XXXX XXXX to resolve, 13 items have been removed and 50 more remain, making it impossible for me to obtain housing. I am a XXXX, single parent veteran, XXXX, due to the incorrect reporting of my student loan debt.
Product: Debt or credit management

The credit company is called Tomoboost. They have consistently taken money out of my account to the amount of XXXX every month. Even when I cancel my debit card and order a new one, they somehow find a way to get the card number. I have tried several times to cancel my subscription on the site but they give absolutely no option to cancel with them. They have no phone number and do not respond to emails. I read dozens of reviews since then of hundred of people going through the same thing. This company will not let you cancel and will always find a way to get your banking information..
Product: Credit card or prepaid card

Citi credit card I called when I had a XXXX XXXX fraud call message I held for a hour no answer I called again I had a letter sent saying they closed my account I have had my card locked I was told my payments were late and I'm not due til XX/XX/XXXX the letter came XX/XX/2020 I have been on the chat waiting and waiting way before this I've tried to dispute any charges I could see I have called today I talked to 4 people and have them tell me they can't reopen my account but r investigating the charged but didn't read me out everything I waited for each person 45 minutes to a hour then have a call back telling me about not being able to reopen my account when I've called waited sent chats locked my card my identity is in shambles and its unfair!
Product: Student loan

I have called numerous times and waited on hold. Ive emailed, with a response that i need to call. My online account is locked out, they just keep me in forbearance SINCE I HAD THE LOAN. University of XXXX put me in the wrong class, i told them what they did and then they just reported me to academic something for ising an exclamation point in my sentence. Now i have XXXX $ in debt from a company that ripped me off and a lender who i can not contact!! This has been going on since the company was sallie mae. How can Navient force me into forbearance for the simple fact i can not reach them. I make XXXX $ an hour and would like to pay this off. Im XXXX years old. How many more years can this go on. University of XXXX was a scam, navient is a scam. Im just a XXXX consumer. 

The balance keeps going up and up and up and mothing i can do about it!!!!
Product: Mortgage

Please see complaint on file and prior notice of retaliatory acts including turning off in BofA systems ability to make monthly payment via automated telephone system, which has again taken place and is documented. Please advise and phone record will be provided.
Product: Debt collection

Nothing best described how to communicate dispute in arraigned statements on preceding page trying to pay debt debt service CMRE will not return via electronic mail contacted many times no return contact want to pay off debt but debt collectors is not allowing me to many electronic mail messages and no response I do not use phone and am unwilling to do so but company will not accommodate my requests