23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have informed ATG Credit of XXXX  fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. 
This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors.

My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Debt collection

They keep calling me while I am at work, in the mornings and evenings and also on the weekends from different numbers and I have asked them politely to stop. I keep telling them to stop calling me and they will not stop. This company has so many phone numbers that the only way to block them is to never answer the phone. They disturb my work time and I have had them call while I am in meetings and it is affecting my job. 
They just called me again from XXXX at XXXX XXXX today XX/XX/2021 I have literally blocked over 40 numbers from them and I would guess they have called me over 100 times. This is madness. 
They have been told numerous times on their so called recorded line to stop calling me. 
Portfolio recovery is the worst and they dont seem to care about the law because I guess they think they are above it.
Product: Debt collection

Im receiving phone calls of harassment, profane, abusive, and vituperative language, threats of being sent to jail and prison, and threats of XXXX and death from Financial Assistance , Inc., Debt Collection Representatives for a debt of {$360.00} from XXXX XXXX XXXX XXXX. The debt collection account is not my account. The debt collection account is the result of identity theft. The debt collection account is a fraudulent account and the result of identity theft. Account Number : XXXX. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BofA - XXXX
Product: Money transfer, virtual currency, or money service

Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo i even submitted the correct documentation to get my account resolved quite frequently. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XX/XX/XXXX I notified Transunion and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX  XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

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

Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. Experian failed to accept my consumer complaint which is a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. I mailed them letters requesting investigation and validation of items reported by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  and XX/XX/XXXX. The letter was sent by me and included a copy of my driver 's license, social security card, and piece of mail to verify my identity and address. 

Experian responded by stating that they will not take " any action on my alleged request '' because they believe that it " does not appear to have been sent directly by me or to be authorized by me. '' I contacted Experian on XX/XX/XXXX and XX/XX/XXXX, and was transferred both times to 4 different individuals who said they refused to work on anything on my report until I sent them a cover letter and a copy of my driver 's license and social security card. I told them that all the letters included a cover letter and all those items but they said I need to send a Power of Attorney too. The letters were sent from me. There is no one to give Power of Attorney to. 

They refused to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX To Whom It XXXX Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$330.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you XXXX be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature XXXX result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX of SSN # XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC 1692 A3 XXXX, XXXX, and Transunion is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Product: Debt collection

I received a phone call from a company called Gulf Coast Collections from XXXX They said they had a collection bill for my daughter on XX/XX/XXXX for a doctor bill when we took her to the emergency room. 

I located the old bill and called the Dr billing company. They told me the bill had been paid in XX/XX/XXXX. 

I called the collection company back and they said it was a different account number. 

I called the Dr. billing number back. They said I only had the 1 account with them and that it was paid in full.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Mortgage

I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since XXXX XX/XX/XXXX with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( XXXX ID # XXXX ) keeps giving me incorrect information when I speak to her on the phone, and on numerous occations I receive incorrect correspondance from SLS. I receive similar treatment from SLS as alleged in the class action lawsuit filed in California in XXXX XX/XX/XXXX-Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their application was missing information that had already been provided on numerous occasions ( SLS never called me about missing documents, I always had to initiate phone calls to SLS to receive any information that would speed along the process. 
1. In XXXX XXXX SLS asked for a title policy and I said I did not have one from 20 years ago and it appears the title company may be out of business ; another bank told me the banks have the policy not the borrowers. ( 2 ) Then SLS told me my first mortgage had never been discharged and SLS could not do anything until it was discharged. It turned out that this mortgage had been discharged in XXXX. I sent SLS the mortgage discharge certificate which I easily found on the public web site XXXX. Then SLS told me I needed the 2nd mortgage ( by XXXX ) discharged-again I sent them the discharge notice from the same public web site. Now SLS is asking me for the title policy again and I told them I do n't have it. The phone clerk XXXX said she will see what to do and tell me in 7 days-the answer should really only take a day at most ( again stalling ) Stalling the resolution of this process cost me lots of time and needless money-electric, heating, snowploying and insurance costs. Remember this house has been completely empty and ready to give up for 6 months. 
Remember, As currently alledged in the California class lawsuit, it is alledged SLS violated U.S. Consumer Financial Protection Bureau new guidelines regarding modification guidelines-as is happening in my case.If needed I have every bit of documentation and they supposedly taped every phone call of which there were many, all initiated by me.