23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An individual called me from XXXXXXXX XXXX XXXX to collect a debt on myself and my wife. I set up a payment arrangement that ultimately failed due to a bank issue. I called back a few days later to correct the current payment arrangement and was transferred to a very rude individual who refused to set up another arrangement claiming, and I quote, You and I both know youre not going to make the payments. After pleading to set up another arrangement, he informed me that I will be charged a {$75.00} decline fee for each account plus {$25.00} per day late for each account. The total fees at the time were {$450.00} just to be able to start paying anything towards the original balance. After I told him I could not afford the fees he told me, and I quote, Good luck. He informed me that I essentially bounced a check when the original payment did not go through and that I was subject to additional fines and legal consequences for bouncing a check if though the payment was set up via debit card. He refused to accept any payment until his fees were collected so we hung up. I then called XXXX XXXX XXXXXXXX again to try to set up a payment and was immediately connected to the same rude man who immediately asked if I was seeking legal counsel. He seemed surprised when I said no and again insisted that I pay the full balance or it will be turned over for legal processing. I had to actually force a payment of {$200.00} ( {$100.00} for each account ) as he did not want to accept it. Finally he did with the statement that it didnt matter that it would still go to legal processing. After checking my bank account I noticed that the company who charged my account was P & B Capital Group LLC. I have never heard of that company, never received any communication from them, nor did this guy or the woman before him ever mention that company. I thought I was dealing with XXXX XXXX XXXXXXXX ( attorneys ) the entire time. I have voicemails and recorded phone calls to prove if needed. I would like to pursue complaints for impersonating a legal company, charging illegal fees ( daily ) and treating legal action if not paid in full. Additionally he claimed that my place of employment had been confirmed and addressed verified despite being unemployed at the time.
Product: Debt collection

Recieved Voicemail : XX/XX/XXXX This message is for XXXX XXXX my name is XXXX XXXX which social services I've been instructed to contact you in regards to an active order of location that's being issued and filed against you through your county due to avoided contact they have instructed me to speak with your employer once the paperwork is submitted they will have to make a determination whether or not you're on the premises to avoid any further penalties you may contact the proceeding office XXXX file number a.m. XXXX this is your official legal notification XX/XX/XXXX Called back spoke with XXXX XXXX. Refused address or fax number. advised that this debt was originally from Citi XXXX I advised that this loan was purchased by XXXX XXXX in XXXX and that this was part of a XXXX  XXXX Bankruptcy in XXXX. 
Advised to speak with My Atty : XXXX XXXX. They advised that this was not cleared by Bankruptcy. I said it was on the schedule and was discharged XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the XXXX and my loan servicer XXXX, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the XXXX, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The XXXX had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, XXXX and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the XXXX voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( XXXX ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from a subscription service, XXXX, that my card had been declined and I wouldn't be receiving my box. Great, I thought. I had that card closed in the fall because of unrelated fraud, I don't want or need this box, and since they don't have my card, it won't be mailed out. However, on XX/XX/XXXX, I was billed for the service just the same.
Product: Debt collection

Contacted by email by A.R.M. Solutions for an alleged debt by email. Attempts have been made to correct the issue with the original company, including Better Business Bureau complaint that the company refused to answer.

I do not want any contact with A.R.M. Solutions as a mediator for this business.

I will also note that I personally mailed a letter to White Knight informing them of the XXXX complaint and complaint number at the address provided in a written letter that was sent. Tracking is enclosed. They failed to respond to the XXXX and myself. All proof is attached. Also, their history with the XXXX  is attached, in which the XXXX  notes on WK profile that they have tried to resolve the issues with WK because of the influx of complaints THIS YEAR.
Product: Payday loan, title loan, or personal loan

I have a total of {$240.00} in over the limit charges, late fees and rejected payments. I have funds on my payment account, I dont understand why there is rejected payments. 

XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX I need to get charges waived from the account.
Product: Credit reporting or other personal consumer reports

Recently i check a copy of my credit report and noticed i had a fraudulent account. please remove this account, it is affecting my ability to obtain credit.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Bank of America stating an account was opened in my name. I contacted them as soon as I woke up and saw the email regarding the fraudulent account. I was told that it was closed and that was it. I received an email about a week later entitled Check Fraud and Digital Claims and the email looked suspicious asking me to send a copy of my social security card, social security statement, my identification, mortgage/lease statement and other personal information. I co tasted Bank of America and after 2 hours was not able to resolve this issue. They don't want to confirm if the account is closed and are acting like they can't tell me if there has been activity on this account that was opened in my name. They won't answer how or why an account could be opened in my name without them verifying my information or receiving a deposit. I would like to file a complaint on Bank of America because this business practice is not fair to consumers. I have a block on my credit and now a block on XXXX. I feel like they are not doing their due diligence to protect consumers from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a collection account, even though it has been paid in full. I have repeatedly tried to contact them.
Product: Mortgage

PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.
Product: Debt collection

My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

*XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
Product: Debt collection

Hello, On Friday, XX/XX/XXXX I received a voicemail message regarding a pending collection. I returned the call and was told by a man by the name of XXXX XXXX that I had an outstanding credit card balance from XX/XX/XXXX with CITIBANK and the statutes of limitations runs out in XX/XX/XXXX. He was calling as a courtesy to help me settle the debt before I got sued. He proceeded to ask me if I had been served papers yet. When I responded no he went in to negotiations. He said the debt was {$15000.00} but he would settle for 50 %. When I explained I didnt have that kind of money he began to threaten me and some of my assets, being 2 car loans. He even knew the 2nd person on one of my loans. He threatened to put a judgment on my house also. This was very frightening and I began to try to figure out what to do. He agreed to a settlement amount of {$2000.00} and gave me 1 hour to  come up with the money. He put me on hold pretending to speak to a manager to approve the {$2000.00}. He then insisted on a debit/credit card number to hold the file open and said it would not be charged until I called back within the hour to let him know the funds were there. 

As crazy as all this sounds, I went through a divorce in XX/XX/XXXX and was left with a lot of debt that I slowly worked through. I really wasnt clear if I had this debt. After speaking to my significant other, I called CITIBANK and was assured that there was no outstanding balance, the account had not been sold and I made my last payment to them of {$1000.00} in XX/XX/XXXX. I tried to confirm the credit card number that XXXX XXXX referenced and Citibank had no record of me having a card with that number. CITIBANK is sending me a letter of good standings. I began to do some research on the company XXXX ( XXXX XXXX XXXX XXXX ) and found XXXX had several fraudulent complaints. When I called several of the numbers back for XXXX   and got different people I began to ask questions regarding address and such. They would not provide me with anything other than an address which I found out is in a XXXX store. XXXX XXXX then called back and left a message that my account and phone number had been flagged because all my calls and they were opening my file again and going to proceed. He said he would contact my employer ( and stated employer name ) or wage garnishment. When I called back to remove any consent or debit to my account he was very nasty and said I cant wait to see you in court. 

I feel very stuck, because I believe all this to be fake, but his threats seemed very real. How do I proceed from here? Is there anything I can do to clarify real vs fake or how they got all my personal information? Below I will list all the numbers and addresses I have for them. Please advise moving forward. I appreciate your prompt attention to this delicate matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Ext XXXX ( hangs up on this line when you press ext. ) XXXX
Product: Credit reporting

Equifax updated my credit report lowering my score over XXXX points. They state on the front because it is due to a recent serious Derogatory item on my report - I of course disputed this through them as wel as on this site. I have been working on my credit for over 5 years and knew that I never paid late. So rather than fixint the error they sent me my credit report which of course shows NO late payments in over 8 years. So not only did they send PROOF that there were no late payments on my accounts they are reporting that there ARE. SInce this is NOT showing on my credit report from any of my account holders. Thye need to provide the creditor that is reporting me late since it is NOT on my report. The report does me good. There is also a serious issue where half of my monthly payments are showing " no data avail '' however the payments have been made which shows on my XXXX as WELL as my XXXX. That needs to be updated as well. This one incident has caused me SERIOUS financial problems as my credit score reflects my ability to pay rent and maintain the balances on the cards I have. I want to know if I have any legal recourse for this as this clearly a breakdown on their end. I should not have to dispute this report on a monthly or even weekly basis. They have a responsiblillty to maintain correct information.
Product: Credit reporting or other personal consumer reports

I want to remove incorrect information 15 USC 1681 SEC 611 :
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions.

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to Black 's Law Dictionary, 6th Edition, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted XXXX  on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with. As you questioned, yes Ive attempted to rectify the issue on my own by XXXX ) requested validation via the credit reporting agencies directly on XXXX XXXX via fax to XXXX which I called Customer Service to confirm it's accuracy and received delivery confirmation ( also attached ) ... the responses I received were verified for some, XXXX  made it a point to remove XXXX XXXX as well as XXXX XXXX as its clear this is inaccurate because they are both one in the same ( Ive also contacted them directly, havent heard anything back from either as yet ) except for Experian who is just now responding on XX/XX/XXXX ( as per their letter which is attached for your reference ) and I believe this response is only in response to my XX/XX/XXXX follow up ( sent by mail certified which was delivered XXXX XXXX ) to them not responding to my initial letter on XX/XX/XXXX ( more than 30 days ago which I thought was the amount of time they had to respond ). 
Their response ( you can find attached ) for 2 of the accounts in question, one being XXXX which I also have filed a complaint with you all under COMPLAINT # XXXX states that Ive already disputed this account and creditor confirmed it was accurate however, Im asking for VALIDATION of the debts listed not just the creditor saying its accurate. Correct me if Im wrong but this is not the same thing. Please assist. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reporting to Experian, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Product: Debt collection

Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, spoofed numbers. I DO NOT have business with this company, have NEVER contracted with this company and have NEVER agreed to any conditions of payment, contract or otherwise. I've told them to stop calling. I can't block the number because they call from a different call back every time.
Product: Credit reporting or other personal consumer reports

Hello, I was going through my credit reports and saw hard inquiries that did not have permissible purpose. 

XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX . This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b.