23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I called Stenger & Stenger because I had agreed with them in XX/XX/XXXX to pay $ XXXX until I reached my settlement amount of {$2400.00}. When I called today to verify that I've met my duty to pay off the debt, I was told that I still owed about {$1200.00} because I didn't pay in XX/XX/XXXX, and that my settlement was nullified. I told the representative that yes, I had made my payment ; however, their system canceled my payment. When I discovered this was the case around XX/XX/XXXX, I called Stenger & Stenger immediately to address the canceled payment. There was no reason for my payment to have been canceled as I used a debit card to make my payment, and it would have declined my transaction if I didn't have enough funds or the transaction or I would've had a general decline response. I was told at the time that there was a cease and desist order on my account, and I was asked if I wanted it removed because the company technically couldn't talk to me because of this being on the account. I stated at that time I wanted the order removed; however, I discovered today it was still present on my account, and my request for removal from about XX/XX/XXXX was not honored. 

After the interactions from today, I firmly believe that Stenger & Stenger will purposefully mislead individuals into agreements to pay off debts for lesser amounts ; however, they will fraudulently find any way not to honor their contract. This is evidenced by no one contacting me about my payment cancellation due tol this supposed cease and desist order on my account. Furthermore, I believe they knowingly and fraudulently canceled my payment without my knowledge, so they could collect the total amount, which I will not do as I adhered to my portion of the agreement. I even have proof of payment from XX/XX/XXXX, with a confirmation number of the payment being made. 

If the demand of honoring my agreement is not upheld, I will contact my lawyer and I will sue for damages because of their fraudulent tactics.
Product: Credit card or prepaid card

I have been reaching out to Barclays for some time already and inquiring about my XXXX miles promotional offer by completing the following terms 1. Pay annual fee of {$89.00} 2. Spending {$3000.00} in 90 days. My statement closes every XXXX of every month, today is the XXXX and my promotional offer of XXXX miles has not posted yet to my Miles & More account. I call Barclays and all I get are transferring of calls and the run around. I need straight to the point, accurate and clear answers.
Product: Consumer Loan

I had a decrease in my hours at my job, and this the reason why I have fallen behind on my loans. I discuss it with the loan companies stating that I would not be able to make the original payment, could they accept half a payment and they told me no, and I told them that was all I could do at the moment.
Product: Mortgage

I purchased my home and financed it with XXXX Bank in XXXX. The loan is serviced by XXXX at this time. In XXXX I took advantage of a government sponsored mortgage payment deferral program offered due to XXXX related loss of income. The program allowed us to defer three months of payments without penalty or interest due to my wife losing a part time job related to XXXX. I recently applied for a home equity line of credit with XXXX Bank and have been turned down due to the loan deferral. The response I received is that " We can not proceed with a mortgage that has been modified ( due to deferment ) and we are unable to payoff any liens that are at no interest. '' This was a special Covid program that was promoted as helping the consumers. I believe I am being unfairly discriminated against because I took part in a deferment program that was meant to offer relief to those suffering Covid related loss of income. I would have never taken part in this program if I knew that it would prevent me from ever utilizing the equity in my home.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 

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: Debt collection

Since XXXX Conrad Acceptance has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with Conrad to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to XXXX and XXXX XXXX XXXX in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to XXXX and XXXX XXXX XXXX notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to XXXX and XXXX XXXX XXXX disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. These accounts were opened without my knowledge or consent, and I request that they be investigated and promptly removed from my credit report.

Below is a list of the fraudulent accounts that I am disputing : 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  I request that you investigate these accounts and take the necessary steps to remove them from my credit report, as they are the result of identity theft or fraud. I have also attached supporting documentation SUCH AS A FTC IDENTITY THEFT REPORT Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, knowing my statement would " cut '' on XX/XX/XXXX, and wanting to close this account, I contacted XXXX and requested to close the account, requested they close the account by applying the {$300.00} security deposit they were holding to the account and I would pay the remaining {$21.00}. They did nothing. On XX/XX/XXXX ( the due date for my payment ), I logged in, paid the {$21.00}, and again called them. The representative verified she could see my pending payment of {$21.00}, but stated ( after all the XXXX they hold you hostage to listen to first trying to " save a customer ) it would take XXXX days for the deposit to be applied. I stated this was UNACCEPTABLE because they would then end-up reporting to the credit repositories a balance of {$300.00} with a credit line of XXXX ... this would ADVERSELY effect my utilization rate for XXXX score purposes ( As shown on the attached, they are reporting me at 85 % utilization on the card -- -ABSOLUTELY FALSE!!! I stated they needed to report it XXXX of XXXX ways : XXXX ) A balance of {$300.00} with a credit line of {$350.00} ( since technically, until they applied the deposit, the account was still open ), OR XXXX ) a balance of XXXX with a credit line of XXXX. They did neither ... they reported a balance of {$300.00} with a credit line of XXXX. They have since applied the security deposit, but that does nothing for now ... If their system can pile on a late fee, etc in a split second, their computers should be able to transfer the security deposit equally as fast. This is TOTALLY UNACCEPTABLE, especially considering the entire idea of their secured card ( which I no longer needed ) is to assist establishing credit. Also, as a result of my utilization ( at least in part ) my Experian score now dropped XXXX points. Yes, in XXXX it will " straighten out, '' but that too is unacceptable! Their is an accounting principle called " matching. '' They need to keep things in-line and they are NOT doing it! I am also filing a dispute with Experian!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit thank you.
Product: Checking or savings account

My account was closed with no given reason and I still have not received my money from that account..my paycheck was direct deposited into my account the day before it was closed and a check has not been mailed to me .I have called many times still no reason given to why my account was closed or where my money is
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX!
Product: Debt collection

I'm am sending to correct metro 2 compliance form with errors that is reporting
Product: Mortgage

My mortgage company, Dovenmuele, did not pay my home insurance premium. They emailed me on XX/XX/XXXX stating they were paid on XX/XX/XXXX. Today, XX/XX/XXXX, I received a past due notice with a late fee and a cancellation date. I called my insurance company in case the payment and notice crossed in the mail. They told me they received no payment. I then called the mortgage company and was told by the rep it stated it was paid XX/XX/XXXX in my file. She transferred me to the insurance dept. and I have presently been on hold for 40 minutes ( another norm with this company ). I even emailed them a reminder on XX/XX/XXXX that this premium was due, which I shouldn't have to do, but this company has been negligent before. I emailed them back and forth 6 times between XX/XX/XXXX and XX/XX/XXXX because they failed to pay my town taxes. again a late fee was assessed, which they eventually paid and apologized for, but this level of incompetence is unacceptable. I have all the emails documented. Please let me know my options. This company has been unbearable to deal with since the start. Thank you.
Product: Debt collection

Navient has violated me under The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 through harassment and abuse, coercion, and defaming my character by repeated phone calls and mail correspondence from XX/XX/XXXX to XX/XX/XXXX to collect this alleged debt. Navient has sent me correspondence by mail using obscene and abusive language through coercion demanding I pay this alleged debt or threatening to sue me. I have submitted a Notice of Dispute for verification of this alleged debt and my remedy to resolve this dispute but have not received the verification or remedy. Navient is in violation of 15 USC 1692a ( 6 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692e ( 2 ) ( A ), 15 USC d ( 1 ), and 15 USC 1692j ( a ).
Product: Checking or savings account

I opened an online savings account but was unable to create a username for online access because of a retail checking account I had 6 years ago. I do not know the password for that account. I am unable to reset the password online, and when I call in to get the password reset, I am transfered endlessly between people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account XXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax and XXXX  credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to Equifax and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX
Product: Debt collection

This company Midland Credit has called my little sister in XXXX  and told them that I have a debt with them and if I do not pay I will be in trouble. They have violated my rights, I also found out today that I am being sued and I do not live in that state that they are suing me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Product: Debt collection

I never had an account with this company, this is a collection agency. I have filed a complaint with this office before about the company Trident Asset Management, at that time the 4 items were removed XX/XX/XXXX and now placed back on my credit report on XX/XX/XXXX. Fraudulent.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. 

As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX, XXXX. After sending my information to the credit bureaus on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to express my grave concerns regarding my recent Equifax credit report findings, in which I identified inaccurate and potentially harmful information. The erroneous data primarily pertains to multiple trade entries under " XXXX XXXX XXXX ''. While Equifax 's response ( attached herewith ) asserts that these entries belong to me, I categorically affirm that they do not. 

Erroneous Information : The XXXX XXXX XXXX accounts reported on my credit file are unfamiliar to me. As of the date of this letter, I have not held any accounts with XXXX XXXX XXXX, nor have I authorized any individual or entity to open an account in my name. 

Request for Verification : Despite Equifax 's claim that these entries were " verified, '' I am yet to see tangible proof validating this assertion. Accordingly, I demand Equifax provide : a. Names of individuals contacted for verification b. Documentation or evidence that confirms these accounts belong to me XXXX A detailed list of the steps taken to ascertain the authenticity of these accounts If you see my exhibit in my attachment ; you will see that the one XXXX XXXX XXXX is reporting twice! After EQUIFAX has stated that everything that have is ACCURATE! CLEARLY EQUIFAX LIED AND DID NOT DO ANY INVESTIGATION AND IS REPEATING THE CYCLE BY BREAKING THE SAME LAY KNOWINGLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy of Email sent on XXXX XXXX XXXX  to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXXXXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX  INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX  customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX  which I discovered in XX/XX/XXXXXXXX  when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX  DISPUTED ID THEFT XXXX XXXX XXXX