23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a repetition of complaint number XXXX filed against XXXX XXXX. XXXX has apparently sold the account to Rauch-Milliken International , Inc , and we are now filing a complaint against them. 

We are a practice of psychologists. Through XXXX we did business with The XXXX XXXX ( aka XXXX and XXXX ). In XX/XX/XXXX we advised XXXX through a letter we would honor our contract, which ran through year 's end, but we did not wish further services from them after XX/XX/XXXX. However, XXXX continued to bill us for several months in XXXX, and when we did not pay, turned the " debt '' over to XXXX XXXX XXXX XXXX which has subsequently sold the account to Rauch-Milligan International , Inc . I advised XXXX in three letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) we did not wish their services and advised Convergent Commercial through another letter dated XX/XX/XXXX that the " debt '' was for services we had never ordered. I have since then advised Rauch-Milligan of the same thing. We have never received any acknowledgement from any of these businesses ; instead, we have received threatening letters and phone calls, many of which threaten legal action. I once explained the situation to an agent trying to collect the " debt, '' but she took a belligerent tone and was not interested in what I was telling her. Thus, I am at a loss as to what to do. We were billed for services we neither wanted nor orfdered and have been charged a ridiculous amount of interest on the original " bill. '' Is there some way to communicate with these people? I am not allowed to bill random folk for therapy sessions we never had, and I am not sure why XXXX and these collection companies feel they can collect money for services our practice did not order. I might add that all of the letters I have sent have been witnessed ; we do not have a scanner, and so I can not attach them to this compliant, but I would be happy to FAX them to you if that would be useful.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the following inquiries related to the fraudulent activity : Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I hereby am writing Monarch Recovery Services Inc. to inform you that you have broken the law by knowingly, intentionally obtaining, possessing, transferring, and using my personally identifiable financial information aka non-public personal information from XXXX XXXX  by way of Identity Theft ; acting in bad faith ; using unfair business practices to extort payments on an extension of credit which is a crime pursuant to 18 U.S.Code 242 and 18 U.S. Code 894. Furthermore, Monarch Recovery Services Inc. with lack of permissible purpose ( 15 U.S. Code 1681b ( a ) ( 2 ) obtained this account as a result of misrepresentation, fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) and Identity Deception IC 35-43-5-3.5, Fraud IC 35-43-5-4 and Crime Deception IC 35-38-1-2.5. 

[ see attached document ( s ) ]
Product: Debt collection

on XX/XX/2021, i sent DESIGNED RECIEVABLE SOLUTIONS, INC 5 letters for the alleged balances of : {>= $1,000,000}, and XXXX that i don't owe. I have never had any communication with them.I asked them for the validity of the debt but never receive anything thus far. I sent the letters off USPS certified mail w/tracking # XXXX on XX/XX/2021
Product: Money transfer, virtual currency, or money service

XXXX XXXX is an app in which you buy electronics bags clothes jewelry ShopXXXX ask me to pay thru money gram for the merchandise for lesser price due to shipping delays I feel like I am a victim of fraud I paid they haven't shipped contacted no response XXXX XXXX XXXXXXXX expand_more Reference No. XXXX TRANSACTION STATUS Completed TRANSACTION DATE XXXX XXXX XXXXXXXX TRANSACTION TIME XXXXXXXX XXXX  CDT This transaction has been successfully sent to XXXX XXXX. 
RECEIVER XXXX XXXX RECEIVE AMOUNT XXXX TRY RECEIVE METHOD Cash Pickup SEND AMOUNT XXXX USD PAYMENT METHOD Debit/Credit Card FEES XXXX USD Total Cost : XXXX XXXX Send Again View Receipt Support expand_more Legal Information expand_more Corporate expand_more XXXX MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. Massachusetts Check Seller License # XXXX, Foreign Transmittal License # XXXX, NMLS # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX. 

Follow us on : close MoneyGram Logo Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment.

MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXXXXXX XXXX  CDT Sender Information MoneyGram Plus : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : Mastercard XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Rate : 1 USD = XXXX TRY Receive Amount : XXXX TRY Other Fees : XXXX TRY Other Taxes : XXXX TRY Total Receive Amount : XXXX TRY
Product: Vehicle loan or lease

I have asked Gm fincial for multiple help on lowering the payment I have a 19 % Interest rate and unable to afford the high monthly car payment. They now call me 2 to 4 times a day as soon as I am 1 day late on a payment this has been going on since XXXX 2017 at one point they offered me a 3 month forbearance then when I was able to actually do that they told me I was n't allowed that option anymore. I am u employeed am trying to make payments but they are not willing to work with me and just harassing me on payments.
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ].

Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics.

Please ensure that this matter is handled swiftly and in compliance with federal regulations.

If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law.

Thank you for your prompt attention to this matte
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX i opened a {$500.00} loan with Money Lion. i have never missed a payment and paid the full amount off in XX/XX/XXXX. Since then, i have called them several times since XXXX because it didnt show it was paid. Said they would fix it numerous times and now my credit report shows 60 days late. I was in the process of buying a car and this destroyed my chances for a couple months. You do have to wait on hold for a very long time to speak to an agent. They refuse to transfer you to a manager unless you threaten to record them. They will not fix my credit and i have reported it to my creditors and showed proof of this payout. They are now showing the correct balance on my other loan that i retook out with them in XXXX. Another indicator i satisfied the first loan because they will not let you take out a second one. Now an extra balance that i did not agree with is showing on my active loan. The payments have also been made on time and are drafted from my account every two weeks. They have my social security number and personal banking information and i am VERY VERY VERY concerned they are conducting illegal activities. Since they wont even respond to my XXXX  that is even more concerning. They will not work with a consumer on their concerns and now credit reports are being destoryed. i have seen other compaints just like mine on XXXX. I need help and will keep reaching out until this is resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVIC # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.
Product: Student loan

I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/2023. To date, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX Account Account Number : XXXX TransUnion has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account Account Number : XXXX TransUnion XXXX indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has broken the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN XXXX XXXX XXXX XXXX ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to XXXX XXXX XXXX I own no debt. EXPERIAN violated my consumer right to privacy pursuant to XXXX XXXX XXXX purposes of consumer reports. EXPERIAN has no permission to report ANYTHING using my information. 
pursuant to XXXX XXXX XXXX. The accounts in question is : XXXX XXXX XXXX  XXXX acccount XXXX XXXX Me being the Consumer my rights have been violated and I want this account removed from my consumer report.
Product: Mortgage

I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )
Product: Debt collection

On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX come to lease term ( my daughter 's XXXX XXXX car ). My daughter purchased another XXXX and turned the car in on XX/XX/XXXX. The lease termination date was XX/XX/XXXX. XXXX 's own records say the car was turned in on XX/XX/XXXX. XXXX XXXX XXXX told me that there was a grace period on the turn in and the lease payment was not due. 

XXXX ( XXXX ) others said it was due. 

These reps are poorly trained and give conflicting answers - seemingly almost intentionally.
Product: Debt collection

They are a 3rd party collection agency stating I owe the amount of {$2000.00} with interest being the amount of {$570.00} for a total of {$2600.00}. This debt states the date of the amount owed is from XX/XX/2012. The statue of limitations for collecting on a debt in GA is 6 years and it can not be reported to the credit bureau after 7 years if no payments have been made to start the clock again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Bank account or service

I have been charged {$61.00} in overdraft fees for a {$6.00} transaction that occurred while my account balance was {$25.00}. I transferred the funds into my account and waited for the website to indicate the funds were available before I made the {$6.00} transaction. The website did not indicate the funds were pending but that they were currently available. Furthermore, I specifically requested at the time I opened the account that any transactions not covered by available funds be denied. I was assured by the bank representative this would be the case. I feel I have been mislead and literally robbed of my hard-earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been experiencing while trying to correct late open accounts with Equifax and XXXX Credit Bureaus. 

Over the past few months, I have made several attempts to rectify the late open accounts that have been incorrectly reported in my name. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the late open accounts on my credit report and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The late open accounts on my credit report are adversely affecting my financial and personal well-being. 

I kindly request the following : Immediate action to correct the late open accounts on my credit report.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of the late open accounts. 
Compensation for any financial losses or damages incurred as a result of these late open accounts. Please assist me to correct the accounts in my credit file : XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

I got credit and payed my rent before close my account then when close my account the claim got deduct back. While that happen they took XXXX out my direct deposit check from my job for early direct deposit on cash with using well fargo Debit card saved on there. So been 3 months and been told send by check. And never got my money for rent I am late behind cause of this.
Product: Debt collection

on XXXX, i sent a dispute letter to CREDENCE RESOURCE MANAGEMENT , LLC about a alleged debt of XXXX $ that i do not owe. i sent the letter off usps certified mail # XXXX XXXX XXXX XXXX XXXX, they have violated 15 USC 1692 and CFR 1006.34C and i am requesting XXXX $ per violation to be sent to me.
Product: Debt collection

For the 3rd time RPM failed to provide a solid document INVOICE or agreement signed by me for the Alleged debt claimed that I owe. Pursuant to my rights under the Debt collection law, RPM is  trying to collect illegal debt that I do not owe. I have no contracts or deals signed by me to this scam agency called RPM stating that I owe them money. 
They have been contacted by me by Certified mail to provide a solid invoice with a contract stating that I owe them the alleged debt, yet, they keep on sending me the same copied spread sheet that is copied or stolen without invoice number or signatures, and a fake copied letter made by them stating illegal debt. I ask CFPB to please investigate the validity of this scam and force this RPM to delete such scam from the credit bureaus.