23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or aboutXX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  to inquire about receiving assistance in reducing my property taxes and I spoke with XXXX XXXX XXXX XXXX  sent me a Docu-sign contract ; however, upon reading the terms of this companies fees I opted not to sign the contract and ended up using the law firm of XXXX XXXX XXXX XXXX XXXX. I continued to receive emails from XXXX XXXX onXX/XX/XXXX and finally onXX/XX/XXXXwere it said that my grievance application had expired. XXXX XXXX XXXX  were able to successfully reduce my taxes over the course of the past 3 years and they have been fully compensated for their legal services. This information can be verified on the XXXX County website and i have copies of the court documents as well.

Sometime in early XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming that I had an unpaid debt of approximately {$3000.00}. When I explained to the person on the line that I did not sign a contract with that company, she put me on the line with an apparent supervisor who informed me that it was a mistake. Since then, XXXX XXXX XXXX   has used various debt collection agencies like XXXX XXXX XXXX and recently, Roach & Murtha to aggressively pursue debt that I do not owe ( there were a few other companies that called me but refused to provide me with any written documentation. ) On Thursday, XX/XX/XXXX a female came to my house at approximately XXXX claiming to be a process server and served my wife with what appeared to be official court summons. But there was no appearance date or time and I was being directed to contact either the Roach & Murtha law firm or XXXX XXXX XXXX directly within twenty days to settle the judgement. When I searched the NYS court website there was no such case on file. I believe this be harassment and a violation of ethical practices.
Product: Credit card

I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter
Product: Mortgage

My husband refinanced our home in XXXX and shortly after he did he developed health problems and wasnt able to pay the MORTAGAGE he asked for financial help through PHHMortgage and was assisted but wasnt told if he continued with the financial assistance that he would eventually lose his home. He has XXXX XXXX XXXX XXXXXX/XX/XXXX shortly after that he received a letter from PHH mortgage telling him he needed to pay XXXX XXXX to keep our home. It also gave information as to get financial assistance through this MORTAGAGE company and when we applied for the financial assistance we was told we didnt qualify because we was too far behind on the mortgage. We was told there were programs out there could assist us with this financial crisis and thats when all the problems started. A foreclosure letter was sent to us about our home being foreclosed on and realtors was interested in buying our home we was told PHH mortgage to send in all required documents and it would be considered in a certain amount of time after that we started getting misleading information from the mortgage company they wasnt being honest about the documents wed send in and gave us the run around cutting us. Short on time alotted to be given the chance to get our home sold. Then we requested to have a short sale on our property and they continued to lie about documents that we sent in to the mortgage company. This has been going on now for 5 months and we still have yet to receive approval for the short sale and we are continually being lied to about requested documents that they are saying they do t have or theyre sent wrong. I started recording the conversations about the what documents they needed and we are still getting the run around because they continue to lie about requested documents that they are saying they dont have and we know weve sent to them now for 5 months please help me and my family get to the bottom of this matter before they take out home thank you
Product: Debt collection

Debt was paid, however the collection agency reported otherwise. Collection agency is Caine and Weiner. {$12000.00} was paid to XXXX XXXX XXXX in XXXX Az, the creditor, on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.
Product: Debt collection

they had no written documents of ID or anything, this was Identity theft. It was taken off my report XXXX times and put back on every time the debt was sold. This is not my account. Also was living out of the country for over XXXX yrs I have my passport to prove I did not even have a United States address. 

Then the company put on my credit report that its a collection and I agree! I do not agree it was Identity theft and im suffering every time. they put it on and off. I even had to even give a police report. 

please remove this off my XXXX report the
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account on XX/XX/XXXX XXXX XXXX The account is now 11 years old and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, Transunion and XXXX credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this 11plus year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.
Product: Credit card

Subject : Formal Complaint Regarding Mishandling of Investigation on Unauthorized Transactions To Whom It May Concern at American Express, I am writing to express my profound dissatisfaction and distress over the handling of my recent complaints concerning unauthorized transactions on my account. Despite numerous communications informing your team that several of my credit cards have gone missing or were stolen in the mail, and subsequently used without my knowledge or authorization, your investigation process has been deeply unsatisfactory and dismissive of the serious nature of my situation. 

First and foremost, it is perplexing and disheartening to see that your conclusion assumes that I received and utilized these credit cards myself. This assertion is entirely unfounded and contradicts the series of reports I have diligently filed from the moment I noticed the discrepancies. At no point did your investigation consider the possibility of mail theft or the unauthorized use of my personal information, which I repeatedly suggested could be the case given the pattern of unauthorized transactions across various locations. 

Moreover, the lack of thoroughness in your investigation has only added to my frustrations. The response to my situation appears to have been cursory at best, lacking any deep dive into the timeline of the card 's activities, potential security breaches, or even a basic acknowledgment of the increasing prevalence of mail theft and identity fraud. Instead of receiving support and understanding from American Expressa company I trusted with my financial securityI have been met with suspicion and an implicit accusation of falsehood. 

The impact of this situation on my financial health and XXXX XXXX  can not be overstated. Not only have I had to deal with the XXXX  and inconvenience of unauthorized transactions and the potential compromise of my financial data, but I am also now faced with the daunting task of defending my integrity against unwarranted accusations from your investigations team. 

In light of these concerns, I urge you to revisit the investigation into these unauthorized transactions with the seriousness and thoroughness it demands. A more in-depth examination of the circumstances, including a consideration of the recurring issue of cards being stolen in the mail, is imperative. Furthermore, I request a full review of how customer complaints of this nature are handled to prevent such a dismissive approach from affecting others in the future. 

I had hoped for much more from American Express, a company renowned for its customer service. It is disheartening to find myself in a position where I must question the security measures and customer support ethos of your organization. I look forward to your prompt response, a resolution to my case, and a reassessment of your investigation procedures to truly reflect the high standards your customers expect and deserve. 

XXXX {$920.00} XXXX {$2300.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1700.00} XXXX {$16.00}
Product: Debt collection

Midland Credit continues to call from various numbers. I do not have an account with them. My wife does. They started calling my daughter as well. The calls are coming 2-3 times a day from multiple numbers and to my work phone which has been affecting my job. Theyve been calling constantly for the past few months as recently as yesterday XX/XX/21. Ive blocked numerous phone numbers and they just come in through several others from MI, CA, MN. 

This was for some debt my wife has and I made an arrangement with them ( on my wifes behalf ) to pay it off but they did not continue after the first payment. Im not responsible for them breaching that agreement and I will not reauthorize. Yet they continue to call daily and even on weekends. I would like this to stop immediately. Especially since its not my debt to begin with.
Product: Checking or savings account

Debit card cloned (? ), XXXX in cash withdrawals and XXXX XXXX transfers in 2.5 days. 

I informed the bank asap on XX/XX/XXXX. They claim to have sent a denial letter XX/XX/XXXX saying that because I had possession and was using the card during this activity there was no error on their part per the EFT act. I have made them reopen the investigation which they allegedly performed in less than 24 hours. The cash was taken from an atm at an address that appears on the statement. The XXXX in XXXX XXXX transfers were done in increments of around {$900.00} each. I filed a police report yesterday XXXX banks fraud unit did not not encourage this when we spoke. I asked if I should, they said I could but that the police wo n't do anything, and that this was obviously fraud. ) Bank claims they did n't flag the transactions because the pin was used.
Product: Checking or savings account

I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds  into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXXand deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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: Credit reporting, credit repair services, or other personal consumer reports

My insurance XXXX XXXX XXXX recently paid off my XXXX bills on a 3 way call with the creditors. They was also informed that wasnt supposed to bill me because I have Medicaid and they told us on the call that it would be removed from my credit report after 30 days. Its still havent been removed after it was paid. I have disputed this matter multiple times and it either comes back verified or accurate. This is becoming a serious issue on my report and it wasnt supposed to been billed to me on the first place. 

The person I spoke with about this matter was XXXX XXXX XXXX  said XXXX would sent it to XXXX  supervisor so it can be removed XXXX was from XXXX XXXX XXXX and XXXX XXXX from XXXX Account XXXX said to call bearus to be removed nothing has been changed!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00}
Product: Debt collection

TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Debt Validation and Contract from XXXX XXXX  Dear TransUnion, I am writing to dispute an alleged debt reported on my credit report by XXXX XXXX  XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt and a copy of the original contract or agreement that bears my signature and that XXXX XXXX claims gives them the right to collect this debt. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The name on file of the alleged debtor. 
XXXX. The alleged account number. 
XXXX. The address on file for the alleged debtor. 
XXXX. The amount of the alleged debt. 
XXXX. The date the alleged debt became payable. 
XXXX. The date of the original charge-off or delinquency. 
XXXX. Whether this debt was assigned to XXXX XXXX or purchased, and if purchased, the amount paid for the debt. 
XXXX. The commission for the debt if collection efforts are successful. 

Additionally, I request copies of the following : XXXX. The agreement or contract that grants XXXX XXXX the authority to collect this alleged debt. 
XXXX. Any signed agreement that I have made with XXXX XXXX, or any verifiable proof that I have a contractual obligation to pay this debt. 
XXXX. Any other agreement bearing my signature wherein I agreed to pay the creditor or XXXX XXXX. 
XXXX. All statements while this account was open. 
XXXX. Any insurance claims made by any creditor regarding this account. 
XXXX. Any judgments obtained by any creditor regarding this account. 

Please also provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. 

You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt within 30calendar days from the date of receipt of this letter. 

Please be advised that failure to comply with this request within 30 days will result in the removal of this disputed debt from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

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 all iinquiries listed above has been made without my knowledge or consent and is identity theft/fraud and all these needs to be removed immediately. i have reached out to each and merchant to to provide them with the requested documents and nothing has been removed in which was promised due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at my credit union and I learned about a bankruptcy information I was not familiar with this so I sent a letter to dispute to lexisnexis because these weird crazy reporting places saying they are the company who is telling the about this information. It has been over 30 days and I have not heard anything - so I was told they have to delete if they do not respond in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting on my credit report and it been past the 7 year time frame for account to show on credit
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete any and all illegal accounts from my credit reports.