23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!
Product: Debt collection

I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.
Product: Debt collection

this is an issue of debt collection abuse this is against the lawXXXX XXXX has a pending case of debt collection abuse from cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to WFDS on XX/XX/XXXX asking them for the removal of a late payment on XX/XX/XXXX of which I stated to them to prove with bank and transaction records that indeed that late payment was actually made, That according to the FCRA they must prove it to report it. They reply with a letter with total mockery reversing the question I ask them instead of sending me prove or documents or the removal of such, at this point they are still reporting that negative mark on all 3 credit bureaus reports. All im asking are my rights under the FCRA
Product: Payday loan, title loan, personal loan, or advance loan

I have had a line of Credit with credit fresh for a few months and finally used it. In the truth in lending there is a chart that shows ranges that have the payment based off the amount you withdraw so I thought. Come to find out this is just a fee and that doesnt go towards the principal at all. In my case I withdrew {$2300.00} and the chart showed XXXX a month. Not knowing this XXXX XXXX  year s just a monthly fee and none of that {$300.00} is going to principal. How in the world is this legal to charge this much for a fee or interest. There are tons of complaints in XXXX XXXX XXXX  about this very issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I have a issue with Bank Of America which is on XXXX and XXXX XXXX XXXX  XXXX, a teller in this branch helped someone else cashed my check under my name but not my signature on XXXX XXXX. I was trying to make solutions with them, but no one can help me exactly. They just said sorry for me and refused to claim the issue. The check amount is {$3800.00}. 

I tried call the fraud claim from their bank, the services told me they can not file the claim, because i don't have account with them, told me to call my bank. I think it is a huge joke, the money was not gone from my bank. There's no way I can solve the issue. 

I have a reciept from the hosipital, and the ID file below. By comparison, it can be found that the signatures are completely different. 

Hope to hear from you soon! 

Thank you : )
Product: Mortgage

Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax initiated disputes with three accounts on my credit report with out authorization. I submitted in writing requests to remove any remarks regarding old disputes against XXXX, XXXX XXXX, and XXXX XXXX. Equifax stated that since there were no remarks regarding disputes on those accounts that they initiated disputes. They further stated that since the disputes are under investigation they cant stop the disputes. 

I did not request these disputes and do not want to dispute the accounts. 
Thanks you,
Product: Debt collection

Midland Credit Management has been contacting me repeatedly or several years concerning a XXXX XXXX XXXX  XXXX XXXX account number XXXX with a balance of {$410.00}. I have on two previous occasions disputed this debt on my credit report. The result of that dispute was that the credit reporting agencies took their word for it it's valid. I wanted them to show proof that the debt is still valid. Because I have not had a credit card in over 10 years. I know that this account is way past the legal limit for it to be on my credit report or for a debt collector to be harassing me for it. They need to either show me proof that I owned this account within the last 10 years that I had actual activity on this account with XXXX XXXX during that time or they need to remove it from my credit report and leave me alone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : Account- XXXX XXXX  Your company is in clear violation of the law. Under 1

5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include 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. 
Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019, Midland credit agency brought an unverified debt from XXXX XXXX. This debt was not verified with the consumer. Please provide documentations that supports why you believe the consumer is responsible for the debt, and why you believe the consumer owe this specific amount. I would like to see proof of your five days of the verified " post dated letter '' letter to the consumer in question, proof of debt, with the '' XXXX XXXX Ink Signature '' and " Court '' proof. XXXX U.S.C 1692 ( F ) section 808 Validation of debts, 15 U.S.C 1692 ( e ) section 807 false or misleading representations. I DEMAND this account ( MCMXXXX  ) be deleted immediately or I will file for litigation due to the stress you caused me and my family.
Product: Debt collection

I visited the ER at XXXX XXXX 2 years ago and paid in full the day of my visit as I do not have insurance. I never received a bill until it was already in collections. XXXX separate companies have contacted me about this debt. Each one I wrote physical letters with receipts to in order to dispute the information, as is instructed on their letters. I never received any return information from any of these companies. They have most recently reported this to XXXX of which I have filed numerous disputes. I will continue to fight this as I know that I have been double charged. XXXX XXXX has been sued multiple times for double billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX : {$660.00XXXX XXXX XXXX Balance : {$1600.00}
Product: Debt collection

Commonwealth Financial - {$660.00} for a medical debt from when we lived in Texas. We have not lived in Texas since XX/XX/XXXX. So the account open date on this one is WAY off saying it was opened in XXXX. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a XXXX a punt thats on my XXXX and experian credit report this account is fraud and it needs to be deleted and blocked, im suing XXXXXXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction
Product: Credit card

I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards (XX/XX/XXXX), auto loans (XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX), and has increased car insurance quotes XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX or XX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns on XX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or aroundXX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with XXXX, Experian, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Student loan

I attempted to apply for a lower payment plan. When I submitted all of the paperwork required, my payment increased. When I complained to someone that I could not afford the prior payment, let alone the one that they were requiring me now to pay, they stated there was nothing they could do. I have now been deferring my loans for 2 years.
Product: Debt collection

On XX/XX/2020, I received a letter from Synergetic Communications Inc, alleging that I owe a debt of {$15000.00} for a credit card debt I never owned. In this letter, the creditor wrote : " This debt is too old to be sued on in court as the statute of limitations has expired, and you can't be required to pay it through lawsuit. The statue of limitations may be renewed on this debt and start the time for filing a lawsuit against you to collect the debt over, if you sign a paper in which you admit that you owe the debt. '' This is clearly a deceptive attempt to collect an old debt from someone else and not me. I do not owe this debt.
Product: Student loan

The problem that I am experiencing is that I am unable to apply an economic hardship or forbearance option without first paying {$50.00} up front to Navient, the current loan servicer. This flies in the face of what the forbearance or deferment is supposed to offer which is temporary payment relief. My current payment is ~ {$70.00} per month so I am actually paying Navient back, almost, for at least one month of the forbearance or deferment. This practice does not seem to be in the interest of the consumer but rather an opportunity to exploit a hardship, especially for those whose monthly payments exceed the up front payment amount, making this almost a ransom for use of deferment or forbearance. I may be wrong here as none of my government loans or other private loan holders impose this fee. Any information or investigation into this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXXXXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.
Product: Debt collection

I had a debt that I owed XXXX XXXX XXXX  that was in collection with XXXX XXXX XXXX that was paid off on XX/XX/2019. We decided to settle for {$50.00}. Now all of a sudden Portfolio Recovery ( which is a different collection agency ) is stating that I still owe {$340.00} when I already settled with XXXX XXXX on the aforementioned date. Because of the wrong information that Portfolio Recovery has .. my credit score has gone down drastically. This is not right.
Product: Checking or savings account

On XX/XX/XXXX a transaction was made with ATM card. Chase reversed the transaction and then place it back on the card because I had used that XXXX before. It is in the area in which I work. The card was lost in the area in which I work. They did not use my pin or my zip code to make this transaction. Of course they used the card in the area they found it. It's not as if they are going to go far out to use my card.