23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX on XXXX telling me there has been unusual activity on my account. I told them I have XXXX account but I never use it. I was told someone had sent 2 laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm permanently XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from XXXX saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from XXXX for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
Product: Debt collection

I received a letter in the mail recently, stating I need to be in court on the XXXX of XXXX, XXXX for private student loan debt. I experienced the same exact situation last summer ( XXXX ) from the same company. I had to hire a lawyer to deal with this mess and have been paying Shermeta Law {$200.00} a month since. 

Before I received this court date letter I received a letter from a judge saying the case was dismissed. I can not possibly afford another lawyer to answer my questions and assist with this. I am very confused on why this is happening again if I had already agreed to payment arrangements. 

Another issue I am having is the debt in question has been cancelled and written off of my and my co-signers credit report. I am currently paying the IRS a percentage for the debt cancellation. 

Why do I have a court date again for this debt if I am already making payments? 

How can this debt legally be collected if it has already been written off my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all three credit bureaus ( Equifax, XXXX, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX XXXX XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.
Product: Debt collection

Subject : Complaint Against Midland Credit Management for Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Midland Credit Managements continued reporting of a disputed debt on my credit report. I sent Midland a dispute letter under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically requesting a wet-ink signature and other verification to validate the debt.

In response, Midland withdrew from court proceedings, indicating they may not have sufficient evidence to validate the debt. However, despite this withdrawal and the lack of proper verification, they continue to report this debt on my credit report, negatively impacting my credit.

I respectfully request the CFPBs assistance in : 1. Ensuring Midland ceases reporting this debt due to their inability to validate it, and 2. Removing the negative information from my credit report in compliance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I am available to provide any additional documentation needed to support my complaint. 

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

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, LVNV FUNDING LLC # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Money transfer, virtual currency, or money service

Initiated a wire transfer from Coinbase to my bank account in early XX/XX/2017 for the amount of {$10000.00} USD. 

Despite having opened two separate support tickets with Coinbase, and sending multiple followups to each, we have not received more than one ( auto-generated ) response from Coinbase, merely telling us to wait a few days longer. 

It has now been almost two months ( 60 days ), and still no further reply from Coinbase, and the transaction has not yet been sent to our account. This delay and non-responsiveness is unacceptable.
Product: Debt collection

First and foremost, the debt collector reached me using a spoofed or fake phone number. 
Secondly, this is a medical collection and they contacted me with details of my XXXX  visit. 
Lastly, I have asked repeatedly for their full company name and mailing address and for verification in writing of the validity of the debt in which they fail to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint comes to you after trying to obtain my free annual credit report from all three bureaus. This complaint is not about XXXX or XXXX XXXX ; this is all about Equifax. When I tried to pull my credit from annuall credit report.com the problem started there. I had no problem obtaining XXXX or XXXX XXXX ; however I was given a message to contact Equifax 's customer care. I was unsuccessful as well at trying to get into my account at Equifax 's site. The following are the steps that Equifax themselves gave me to verify my identity. I was sent multiple links to upload a picture of my drivers license which was unsuccessful with each attempt. My phone would capture the image and all I would receive was a " try again '' message which was done numerous times on different dates. I also was instructed by Equifax to submit for a verification code that I would receive in the mail. I did this as well and waited for the code to come and that also was unsuccessful when trying to use. Back on the phone again with customer care explaining that the code did not work just to be told that the only option that the computer was giving them was to send me the link to upload my Drivers License. I explained this was already done several times and was unsuccessful, but you can not argue with the people you are trying to get help from. I was sent yet another link and uploading my license did not work again, and again, and again. The same error " try again ''. This time the agent informed me that the only other option I had was to submit a copy of my drivers license and social security with previous addresses and a cover letter via fax or in the mail. The fax with all of the information was successfully sent to them as I have the confirmation. After waiting the appropriate amount of time after sending the fax and I reached out to Equifax they stated that they could not verify my identity. The customer service agent said the only other thing they could do was to send me another link for my drivers license to be uploaded ; which again failed. I spoke then with a " manager '' who I explained the whole situation to. He basically told me to resubmit the fax or mail this information. I asked him after jumping through all these hoops that they already asked me to do and none of them work including the fax that I had the confirmation that they received what good would it do for me to continue repeating the processes that get me no where. I asked him if I were to resend the fax ( which I am not comfortable with to begin with ) that I would probably be told that I would have to do that again too, to which he stated " probably ''. I have done everything this credit bureau has asked for other than submitting my DNA for verification and I have nothing to show for it other than hours of my time being wasted. I have had no issues with the other Bureaus and I think Equifax has something so messed up with my credit and no one can be bothered to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency is incorrectly stating that this account is still under collections when I have already paid off the account. Please immediately update your system to reflect the account being paid and closed and no longer listed under collections XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XX/XX/2019 Original Balance {$400.00} Status Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Product: Mortgage

I got behind in my payments with Bank of America. I went to a mediation with B of A and the Oregon Dept. of Justice. I asked for answers on why I had 3 times the amount of Escrow required, as well as a misc {$100.00} I was being charged. I also wanted to know why they would keep flood insurance on my property when I had a current map as well as a letter from the county that I was not in a flood plain. I also felt it was excessive having XXXX appraiser in one month parking outside my home and writing up appraisals that devalued my house. I live alone and I am XXXX and these appraiser really frighten me until I found out who they were working for which was B of A. XXXX am attaching an email I sent to Bank of A and Oregon Dept of Justice on what a farce the mediation meeting as nothing was resolved. 
copy of email : I went to the mediation meeting and thought it was a farce. B of A will not help me with my loan. They also gave me a bunch of double talk about the mystery {$100.00} charge on my account but I guess they can put any type of miscellaneous charge on my account. I was also informed that I had an credit of {$1300.00} and that I was sent a letter on XXXX XXXX which I never got ( no surprise on that ) but of course there is no copy available so I am not sure if that is true. My over payment of {$110.00} is in an account of " unapplied '' as well as the supposed {$1300.00}, but for some reason my XXXX statement does not reflect this and I was told that basically they ca n't apply the unapplied funds to my account, although I was told I really do n't owe a XXXX payment. I suspect if I do n't make the XXXX payment I will have more fees. 

This year they will collect another {$1900.00} which if added to the balance in my escrow account of {$4100.00} will be {$6000.00}. The approx insurance to be paid out of my escrow is {$1900.00} however I was informed they needed all that money in escrow in case my insurance amount goes up. B of A did not feel it was excessive. It is a shame I ca n't get the interest they are probably getting from this money. 

As for my flood insurance, if they correct their records on my property, they would have to correct the records on everyone else 's property that is not in the flood plain and that it is too much work for them. 

I asked about the XXXX different appraisers that sat in front of my house in one month that resulted in each appraiser devaluing my property. Apparently it is not excessive to have an appraiser sit in front of house and re-write appraises on a house as B of A has to keep up with the market so I was told. The last appraiser I confronted basically told me B of A was going to be putting my house up for since I was behind in my payments. 

Basically, B of A can do whatever they want and do not have to answer to anyone as the meeting proved. 

I do n't see why the Oregon Dept. of Justice thinks they can help property owners stay in their houses because they really can not. 

I will file a complaint with the Consumer Finance Protection Bureau against B of A.
Product: Student loan

On XX/XX/27, AES began sending multiple emails in 1 day because the payment was late by 2 days. I've received 2 follow-up responses from Customer Relationship Analysts who I had repeatedly asked not to respond and that I only needed 1 email alerting me of the overdue amount. I'm being harassed by this company and am being treated unjustly, and my rights are being violated as a result. No agreement that says correspondence will occur because of delinquent payments is valid if it starts to encroach on breaking the law, which is exactly what this is doing. AES provokes these complaints. AES also records the conversations without my permission when I have told them on multiple occasions I do not consent to being recorded and that because Pennsylvania is a 2 party consent state, they are breaking the law. I'm going to have an attorney file a motion with the courts to subpoena all conversations that AES has kept on file where I have stated verbally that I do not wish to be recorded, yet they have defied that request and acknowledgement. AES is also unjustly delaying Student Loan Forgiveness for certain borrowers who meet the criteria in order to capitalize on interest charges to make a profit. This is a huge conflict of interest and is also considered fraud. The representatives who are tasked with responding to these complaints think they know what they are talking about, but they do not realize they are breaking the law or helping their Employer break the law. I intend to prove beyond the shadow of a doubt that all of this is occurring, and quite frankly, I will do what is in my power to have the company shut down or salaries reduced, or terminations made possible due to this overstepping of power. 

XXXX XXXX should also be investigated for money laundering. If issues occur in a company that seems to benefit the overall company as a whole, it is usually always because the leader is profiting from this process, unjustly and immorally.
Product: Debt collection

I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.
Product: Mortgage

In XX/XX/XXXX, my mortage was sold to a company called New Rez financial ( also know as shellpoint ) not by our choice. We had made 2 mortgage payments, and then they were demanding that we get flood insurance ( XX/XX/XXXX ) due to the location of our home to a small brook. ( This was never a problem with the prior company working off the same flood maps ). We got our flood insurance policy paid in full for the year prior to the deadline they gave us. The insurance company sent over the binder in XX/XX/XXXX. New Rez also requested that I compose a letter stating that I would be responsible for the flood insurance premium every year and it would not be escrowed with my mortgage payment. 

Fast forward to XX/XX/XXXX and New Rez was claiming they never received the flood insurance policy and now was putting a flood insurance premium in our escrow, which was another {$120.00} a month to our bill. I told them I did have a policy and I requested a new escrow analysis to be done, so my payment would be fixed. I then check in XX/XX/XXXX, it was not done, but was told to make the original payment amount, which I did and it was adjusted. XX/XX/XXXX I checked again to see if the analysis was done, it still was not done and I was advised that they would not do it again before the state requires it later in the month because " it doesn't make sense to them ''. I was advised that I was on a recorded line and of I did not pay the mortgage with the extra {$120.00} payment on it, the loan would be marked as unpaid and reported to the credit bureau. I paid the payment of {$920.00} for XX/XX/XXXX payment. I was also told on this phone call that the letter I sent saying I would take care of our flood insurance, actually means that they wont take care of anything in the escrow ( taxes and insurance ). 

Also there was an issue with my taxes that went unpaid in XX/XX/XXXX which was the prior mortgage company but they would not handle the situation at all. They were also 3 months late paying my taxes for XX/XX/XXXX as well.

Finally when I do ask to speak with a manager or supervisor, they can never forward me right away to them, I have to be put on a call back list and wait for them to get to me. They will call minutes before the closing of their office, which means I cant call back until the next day and start the process all over again.
Product: Student loan

XX/XX/XXXX : Navient received my application for XXXX XXXX XXXX for private loans XX/XX/XXXX : My application was denied stating, " you do not meet the requirements for discharge based on misconduct by your school. '' I would like to move forward with an appeal and/or compliant to understand why this happened and hopefully get it rectified. 

Thank you for your help.
Product: Debt collection

I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!
Product: Debt collection

I opened an account with XXXX to pay for car repairs. I financed about {$1200.00} and repaid the entire amount, plus the 5 % interest within the first 90 days. XXXX hassled me about repaying the whole amount in a timely fashion, but eventually marked the account as paid in full and closed it on XX/XX/XXXX, 2 months after I had repaid the loan. 

Then in XX/XX/XXXX I was contacted by the company saying that I owed them an additional {$100.00} that had been miscalculated by XXXX. I did not agree with this and requested proof but never received. Instead I received a notice saying that if I did not pay the additional {$100.00} the account would be sent to collections, so against my will, I paid the money as I was trying to buy a house and keep my credit in good standing. Once I paid the {$100.00}, the account was closed again in XX/XX/XXXX. 

Unfortunately, I received yet another notice in XX/XX/XXXX from the XXXX alleging that I now owed them an additional $ XXXX. I requested an itemized breakdown of how I could still owe them, but I have yet to receive that document although XXXX has now reported the fraudulent debt to the credit bureaus who are unethically upholding XXXX 's scamming practices. My credit report even shows that I paid the debt in full in XX/XX/XXXX, yet the credit bureaus are allowing XXXX to fraudulently report this information. Moreover, the debt has been reported as three ( 3 ) different amounts : {$530.00}, {$650.00} ( {$650.00} ), and {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have a card that was opened in approximately XXXX of XXXX. The card had a substantial number of points on it and I received an email stating that the points existed in mid XXXX. Nowhere in the email did it state that the points would be taken away, but instead it states that the points don't expire for 3 years. The email ( even the fine print ) is very clear. Shortly after this email I went to the XXXX XXXX Store ( where the card was initially applied for ) to use the points to buy an new helmet and was sent on long goose chase and run-around. 

I was finally notified that the card was closed in XXXX prior to my even receiving the email stating that the points existed for use. When asked why I was not notified they stated that they sent a single letter in the mail, which was never received. When asked when the letter was sent, it strangely was sent also after they state that the card was already canceled. 

The rewards balance mentioned in the email I received on XX/XX/XXXX is {$370.00}.