23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Brennan & Clark about a debt that they said we owed on XX/XX/XXXX for {$1900.00}. I contacted The XXXX ( the original creditor ) for this and confirmed that the debt was cancelled due to the fact that we never actually proceeded with their services. I replied to the agent at Brennan & Clark on XX/XX/XXXX and provided evidence of this, and included the original creditor on this email chain to help confirm any questions they might have. I never hear back from the original debt collector. Instead my contact was passed to their colleague, who contact me again on XX/XX/XXXX, and claimed that they hadn't heard from me, and insinuated that they had tried everything. I responded on XX/XX/XXXX to both agents, and reiterated that the debt had been cancelled, and I copied the original creditor on my emails and requested again, confirmation that this had been resolved. I've yet to hear back from either of them with a confirmation that this debt has been resolved. Given their town has been both unprofessional and harassing. I've disturbed to not hear back from them that this was resolved. I reached out to both of them again on XX/XX/XXXX, XXXX, and XXXX. They've yet to respond to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.
Product: Credit reporting or other personal consumer reports

I am solely making this complaint because Of a multitude of complaints that I've been having with Trans Union I have called numerous times sent numerous letters been on voice recordings telling them since XXXX I've been sending my letter out My CFPB report and things of that nature Any FTC report since then nothing has been done Inquiries had still been coming onto my credit report and as it states in the black and white at the header of my credit report ID security alert fraudulent applications may be submitted and my name or my identity may have been used without my consent To obtain goods or services do not extend credit without first verifying the identity of the applicant I can be reached at XXXX This security alert will be maintained for 1 year beginning XXXX XXXX XXXX I have never had a call or email from Trans Union and I have the proof my phone was stolen one time and I made a report I sent it to them they did not get it not saying it's their fault but I sent it twice This is the only way that I know to get through to them and let them know that I'm serious What I would like from them is to take the inquiries off immediately for when the beginning date was back in XX/XX/23. I have been calling numerous times every week I don't know if somebody's going to my mailbox I just know I'm tired of it and for them not to even acknowledge whats in black and white they should call me or let me know before anybody or even if they had a thought to second guess it twas me i was supposed Notify Call he says it in black and white to call that number They never did that and because of this they have violating my consumer rights 12 CFR 1006. 34 ( B ) ( 5 ) Stating and I quote connection agency has not provided validation information under 12 CFR 10634 B5 but yet they placed a collection slash inquiry on my consumer report In collection agency Has no authority to furnish any account to a consumer report agency without providing any and all disclosures Require by law And they are in clear violation I would like all of my inquiries off from XXXX XXXX XXXX  because I'm on the planet Put microphone off 23 immediately And if I don't hear back Inadequate time I'm protecting it the small claims court and I would want it {$1000.00} for each violation Thank you very much Have a great day
Product: Checking or savings account

On XX/XX/19 A Direct Deposit from XXXX was set to deposit in my Chase Checking Acct and showed pending until XX/XX/19 causing 2 overdraft fees of {$34.00} each. I called XXXX to ask for a refund on these fees as it was not my fault that the Direct Deposit did not go through normally. I was refused the refund as in XX/XX/2019 I had a fee reversal for a unauthorized debit causing a fee. I asked to speak to a supervisor and explained I can not afford to throw money away over a bank deposit issue she could not help me either. I do not think this is fair and I am asking for help with this issue as I am not able to get help from XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer credit report I noticed some accounts that I have no knowledge of per section 606b and 15 usc 1681c2 I request the following accounts be blocked and or deleted within four business days Im also a victim of the XXXX data breach Please block and or deleted within four the following accounts XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX {$670.00} XX/XX/XXXX # XXXXXX/XX/XXXX # XXXXXX/XX/XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> RESIDENT VERIFY XX/XX/year> 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  5/23/2024 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Money transfer, virtual currency, or money service

My California unemployment payments are processed through Bank of America debit card, I did not have my card in month of XXXX, when I did received my card in XXXX, the payment for month of XXXX ( {$2800.00} ) was missing. Been calling B of A on daily basis since XX/XX/2021 ) and so far no resolution.
Product: Mortgage

I had been a person that had my mortgage with Ditech. I had contacted them in XXXX because of a hardship and asked for a forbearance. The date was on XX/XX/2019. I spoke with XXXX at XXXX XXXX   the called lasted until XXXX. I told him about the hardship and he told me they could help me, but it wouldn't be before XX/XX/XXXX. Before XX/XX/XXXX, I received a statement from XXXX XXXX saying, they now hold my mortgage. I did call XXXX the day I received the statement. The gentlemen said, they couldn't do anything for me for 60 days. I had been promised by Ditech, that the forbearance would be given to me. They didn't tell me they were filing bankruptcy and they were going to hang me out to dry. I have never had to do this type of thing before, so I pray I have all the information that you need, to check into the mess! Please can you help me!!!??
Product: Mortgage

A more detailed analysis of my escrow and what happened during my XXXX refinance in XXXX. My escrow was approx {$2000.00} off when I modified. Now it is {$3500.00}. I was not allowed to have a new loan without my escrow included.
Product: Debt collection

On or about XX/XX/2019, I received a collection letter threatening to sue me. That letter was dated XX/XX/2019. I contacted the collections law firm Farmar Law Group fka Law Offices of Rory W. Clark on or about XX/XX/2019. I spoke with attorney, XXXX XXXX. I negotiated a payment plan and received an e-mail confirming the payment schedule on XX/XX/2019 from XXXX XXXX. My first payment must be received by XX/XX/2019. XXXX XXXX discussed the payment options. I was told that there would be no lawsuit filed against me. On XX/XX/2019 I deposited cash ( {$200.00} ) into the law firm 's checking account. The same day, I received an e-mail from XXXX XXXX confirming receipt of my first payment. Then on XX/XX/2019, I received a third party notice from a court lawsuit monitor that a lawsuit was filed against me from Farmar Law Group. I went to the XXXX XXXX Superior Court website and they did indeed file a lawsuit against me on XX/XX/2019. I have received no response from the attorney XXXX XXXX. On XX/XX/2019, I called Farmar Law Group and initially they said it was an error and that someone would call me back. I called again and the same lady that answered said that the lawsuit was valid. I am attaching my evidence. XXXX XXXX XXXX is not licensed in California to practice law. I checked the California State Bar website and his license is listed as inactive. The bank account for this firm is in his name.
Product: Debt collection

The Company " American Location Specialists '' contacted my employer and my wife ( fiance at the time ) regarding a case that was going to be filed by a payday loan company called " XXXX ''. During the phone conversation, they were unable to provide any proof that I owed any money to this company and represented themselves as a company that just calls and warns citizens before they're about to be sued. They pressured me into paying over {$2000.00} ( I'm still paying monthly ). I had financial trouble about 6 years ago and figured something was coming back to bite me. But recently, I asked this company for proof of what I owed again and the contract of the loan I supposedly signed with " XXXX XXXX and they were unable to provide that information. 

I would like to both submit this formal complaint due to XXXX collection tactics ( calling my employer and wife ) as well as investigate if I should really be paying this company {$200.00} per month.
Product: Debt collection

For almost three years BYL MANAGEMENT SERVICES LLC has claimed that I own money to XXXX XXXX. I provided a current account statement showing a zero balance, but they refused to concede the debt was invalid. 
I investigated through XXXX XXXX and found the debt was for an apartment XXXX when I live in XXXX. They fraudulently tried to collect money from me for a natural gas account that I have never been associated with despite all the evidence I provided. I believe this is a clear case of fraud.
Product: Credit card

I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me.
Product: Credit card or prepaid card

I have tried on multiple occasions to use my card in stores and atms and it is being declined. I have tried to create an online account to access my card but it say it is locked and to contact customer service. I have tried to call the customer service for the past 3 days and have been unsuccessful in doing so. I have waited on the line for up to 2 hours several times just to be hung up on. There is no other point of contact to talk to someone in their customer service and I can not access my money. I dont know what to do.
Product: Credit reporting or other personal consumer reports

DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE XXXX XXXX PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID XXXX DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE CARE ACT DURING COVID 19 PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
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 AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!
Product: Mortgage

I am writing regarding my recent application for a Home Equity Line of Credit ( HELOC ), which was denied. The reason provided by the underwriting team was that my " debt-to-income ratio was too high. '' I would appreciate further clarification on this decision, as the provided information does not align with my financial profile. 

To offer some context : Credit score : XXXX  Monthly income : {$20000.00} Credit utilization : Below 7 % I have had this property for 22 years and no late payment. 

Additionally, I was asked to provide consumer data information, including my race, to which I marked XXXX XXXX. The only communication I received regarding the denial referenced my debt-to-income ratio, without further specifics or an opportunity to discuss the decision. 

Given my strong financial standing, I am requesting additional details regarding how the decision was reached with my application. I believe there to be discriminatory practices involved in there decision.
Product: Debt collection

I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$730.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
Product: Debt collection

I rented an apartment but was never able to move furniture in due to a medical emercency. I received word that my daughter, who is XXXX, need my assistance. 
I immediately notified the rental office. They indicated that there was no problem as long as I submitted a letter from my daughter 's doctor. I did that and didn't hear anything else until I received the collection telephone call and letter. I tried to explain the situation and even sent them a letter along with a copy of the doctor 's letter but they were very rude and wouldn't listen to anything I said. I paid the entire month that I moved out but left well before the end of the month. They were able to rent the apartment immediately. I don't understand why they want more money from me. I can't help that my daugher needed my help and had no intentions of moving from those apartments.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent an identity dispute letter to Experian via certified mail with XXXX forms of identification on XX/XX/XXXX to remove the inaccurate, outdated personal information from my credit report and never received a response. 

Also, I sent XXXX a verification dispute letter on XX/XX/2024. On XX/XX/2024 I sent a 30 days no response letter, with each letter being sent certified mail with a return receipt, and same issue, there was no response from XXXX and I never received the return receipt that was sent was the letter sent on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, i was sold project from on of the sales associates from lowes for amount of {$17000.00} and was suppose to be on Lowes credit card with 24 months 0 % financing, which i have written and signed document as a proof. But after six months they started charging me interest on left over balance, Ive been calling were since then trying to take care of this issue and nothing has been done but instead they just keep charging me interest and telling me that promotion is expired, Please help.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : FAIR COLLECTIONS & O Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear XXXXXXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am not liable for this debt with XXXX XXXX nor do I have a contract with HF Holdings XXXX, Date Opened saids XX/XX/2023 in the amount of {$1100.00}. They have not provided me with the original contract as requested nor have i ever had an contract with them to begin with.
Product: Debt collection

XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.