23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX. 

In the fall of XX/XX/XXXX, I received a letter from Scott and Associates,  located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, XXXX XXXX of XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX XXXX, and was told to ignore it. They told me this because of past dealing with Scott and Associates, that they were notorious for using threatening tactics. I never heard from Scott and Associates again. 

Now, this year, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX XXXX Texas. Again they have the wrong XXXX as I live in XXXX XXXX. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : Scott and Associates XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from Scott and Associates, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX XXXX Texas within 45 days. In this letter it states : XXXX XXXX XXXX XXXX XXXX XXXX, Cause Number XXXX, in the XXXX XXXX, XXXX XXXX Place XXXX XXXX XXXX. Once again, I do not live in XXXX XXXX. 

I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters. 

Thank you XXXX XXXX
Product: Credit card

My Discover credit card was used without my authorization and knowledge and XXXX dollars were charged without my permission. I don't know how someone obtain my information. This started on XXXX XXXX and extended to XX/XX/XXXX. I reported it to Discover on XX/XX/XXXX when I first learned about it. Additionally, in XX/XX/XXXX I received a letter from XXXX XXXX XXXX that there was a Data breach about a cybercriminal act and that my personal information could have been taken. Discover claimed that after investigating no fraud was committed and it had to be me who made these charges or loan my card to someone who did. They need me to proof it wasn't me at these locations making the purchases to dismiss the charges. This was a stupid request and has led me to believe that they never investigated and are using pure speculation rather than investigating to come to a fair decision. I would like Discover to do what's right and remove these charges from my account. I didn't commit fraud on my account and I hope you could help me resolve this problem. 

These are the unauthorized charges as shown on my statement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services,  LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with Equifax report and I note that there is negative information being reported by XXXX XXXX XXXX  XXXX XXXX, OH-XXXX ( XXXX ) XXXX I see an entry listing payment late or missed. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX  or any other means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I never made I'm scare that I'm a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # 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

I am interested in processing disputes for all of the following information on my credit report with transunion. checking my file alot of data is hindering my file an causeing denials. this is hurting me please correct an remove all data asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This is my second attempt. They said it was not even me who submitted the complaint. It has been well over 45 days and I have not yet had this issue resolved. At this point I feel like I am being played with. Can you please resolve this issue for me. I feel I am being taken advantage of and I don't like that. I did everything I was supposed too. How can They say it is not me and I did not even upload the documents the first time.
Product: Debt collection

I have never done business with Medicredit. I do not have a signed contract or a verbal agreement with this company. They are in violation of the FDCPA ( Fair Debt Collection Practices Act ). Medicredit is using the means of the US Postal service to fraud me out of money and I will be forced to notify the postal inspectors. This is extortion.
Product: Credit reporting or other personal consumer reports

I am extremely disappointed to discover unauthorized inquiries on my credit report this evening. There were no issues before, but now there are discrepancies that I can not explain. Refreshing the browser did nothing to remove these inquiries. I am incredibly frustrated and insist that you carefully examine the documents Ive provided to ensure this problem is resolved immediately, so I no longer have to be concerned.
Product: Checking or savings account

Please refer to complaint XXXXwhere i was charged {$15.00} for an allegedly bounced check from XXXX XXXX  wherein fact TD bank misentered the check amount and charged me {$15.00} fee mistakenly. Today i spoke with XXXX XXXX, XXXX XXXX and XXXX at TD bank to refund me the {$15.00} for their banking error and they did not and provided no explanation. Now I would like to be refunded {$15.00} from TD bank and receive {$15.00} for my time and inconvenience. The check from XXXX was for {$50.00} and td bank mistakenly entered it as {$59.00}.
Product: Mortgage

I received an email with the disclosure copied below from my mortgage servicer, BSI Financial Services, on my home in the District of Columbia. 
" If we have not received your insurance renewal prior to the due date, insurance will be obtained on your behalf which may be significantly more expensive and will provide less coverage compared to insurance you could purchase yourself. Please ensure your renewal has been submitted to : https : //imcovered.com/bsi at least 15 days before the due date. '' After speaking with friends who also have mortgages, it seemed strange or out of the ordinary that I needed to proactively report this information to the company. 
I called BSI on XX/XX/24 and asked whether I needed to proactively submit paperwork ( and whether I would need to annually ) to prove I was insured rather than have BSI procure insurance in place of/in addition to my home insurance, but I did not receive a clear answer from the XXXX people to whom I spoke. They directed me to XXXX website to submit information, imcovered.com, but could not provide me with the Unique Identifier needed to check my status. 
I subsequently contacted BSI via its internal email form twice in early XXXX, most recently on XX/XX/24, with this question of whether I needed to proactively submit insurance information, and whether I would need to annually, rather than have them procure home insurance for me. 
I have not received a response. I have not received a response from BSI to previous emails with different questions, either, so I'm coming to CFPB to see if intervention could provoke a response. 
Please let me know if you need additional information, and thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Key bank XXXX branch mgr. XXXX XXXX regarding my overdraft Credit line {$10000.00}. being maxed out. She supplied the phone # for Key bank - fraud dept. I immediately called and was advised to open a police report. Which I did within XXXX minutes with the XXXX XXXX XXXX XXXX. job ( XXXX ) with XXXX XXXX and proceeded directly to my XXXX branch with a copy for XXXX at which time she supplied with an affidavit to be filled out, notarized which i was able to do on the next business day XX/XX/XXXX and returned to XXXX. Sometime later within a few days the charge was removed from the account. At some point within a week or two the charge was put back through and placed back on my account. At that point I was told that Key Bank had taken the available credit and applied to a balance for my ex-wife, with the explanation that the accounts were still linked even though we visited the branch and filled out and signed all the documents they provided to separate all of our existing accounts, around XX/XX/XXXX and divorce was finalized XX/XX/XXXX. This issue was refered to XXXX office XX/XX/XXXX. Since that time I have been working with XXXX, ( XXXX ) case # ( XXXX XXXX XXXX ) with no resolution, and continue to receive collection letters and calls we are now past due more XXXX days and I am sure my XXXX XXXX XXXX is damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine FCRA violations : see ftc and attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX VIA ELECTRIONIC AND CERTIFIED MAIL XXXX XXXX XXXX, GA Truist Bank Mail Code XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : NOTICE OF INTEND TO PURSUE LEGAL ACTION REGARDING REQUEST CANCEL PMI @ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX LOAN # XXXX Dear Sir/Madame : In your response to my " third request '' to cancel PMI on the above mentioned account, you stated that the Truist review of my file does not bring the LTV to 80 % of the original value. 
However, the verbiage noted on the CFPB Consumer Laws and Regulations ( HPA ), as well as the U.S Code ( screen print below ) state that Borrower shall provide evidence that property values have not declined below the original value. THERE IS NO DIRECT REFERENCE TO THE LTV IN THE REQUIREMENTS SECTION OF THIS ACT. 

I have submitted a list of recent sales inside our subdivision as evidence that the values have continued to increase in this subdivision. All of the most recent sales in this subdivision exceed {$400000.00} with the most recent sale next door selling at {$500000.00}. THIS IS WELL ABOVE MY ORIGINAL PURCHASE PRICE OF {$260000.00}. 
Considering that establishing the true LOAN TO VALUE would mean calculating the home value against the loan amount. If I used the lowest sales price in XXXX of {$440000.00} ; against the original sales price of {$260000.00}, the LTV would be 59.50 % Using the lowest sales price in XXXX of {$440000.00} ; against my current gross balance on my last statement, the LTV would be at 51.24 % Page XXXX XXXX XXXX XXXX There have not been any 30 day late payments on my account in the past 5 years that I have maintained this account. 
Truist Bank is placing un-due and un-necessary hardships on me as a borrower by now requiring me to pay {$4600.00} towards my balance, in order to remove the PMI, when the true LTV on this loan is less than 60 %. 
I believe this is a blatant and predatory attempt to discourage me and most likely many other consumers from getting relief from unnecessary PMI payments. 
I intend to pursue legal action if the PMI for the above-mentioned account is not removed within the next 10 days of the date of this notice. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Truist Bank Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Enclosure : Lists of Recent Sales
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in I saw a collection that I have no knowledge of by the name of XXXX XXXX XXXX XXXX after look more into it I notice its from a place that I already disputed in the past they are just under a new name or it maybe even a new company it was removed from XXXX XXXX but its on my XXXX and also experian report under a different name and they keep reporting different amount that I owe in the amounts are being reported different on both agencies and it keeps changing up until recently I disputed them again in the tried to correct the amounts but it all lies that's why it was removed the first time they have no proof that i owe them anything and its causing me to not be able to get approved for anything I have proof of the inaccurate information on my report i would just like for this account to be removed
Product: Student loan

I have XXXX private student loans totaling {$29000.00} with AES. AES does not offer practical repayment options that are available to to me from my Federal backed loans. Instead, AES offers me a gradual repayment plan ( " XXXX XXXX '' for 36 months ) and an interest-only repayment option ( " XXXX XXXX '' for 24 months ). After Select XXXX and XXXX are exhausted, AES plans to demand a standard repayment plan from me. AES applies the 'Simple Interest Formula ' to all student loans, applying a daily interest rate that, in combination with a standard repayment plan, is unaffordable. Unless I participate in a repayment option, I can not afford my AES loans. AES has never been forthright about what options I may have to repay my loans. When asked, AES could not produce information about how they calculate interest or how they determine how much of my payments are applied to interest and how much is applied to principle. 

AES does not offer an income based repayment plan or any other monthly-payment relief except for an extended term. Since AES applies Simple Interest, extending any term multiplies the amount of interest I will pay over the life of the loan. 

AES applies Simple Interest, calculated monthly, and is paid first, unlike a traditional loan. A traditional loan would pay a set interest amount and later principle, allowing a debtor to eventually pay off the loan. 

Instead, AES calculates my interest payments each month and consumes the majority of every payment I make. So little of each payment I make is applied to the principle of my loan that my principle remains the same. AES charges me the same or higher interest, and I make the same payment ( since I can not afford a higher payment ), and the cycle continues indefinitely. 

I can not meaningfully reduce the principle that I owe. Right now, AES is taking XXXX % of each payment I make for interest. At this rate, I will never be able to repay my loans, despite never missing a payment. 

AES tells me they are no longer offering student loans. In addition, there is no market for private student loan refinancing or consolidation. I am stuck with AES ' unforgiving Simple Interest calculations and its lender friendly terms and conditions without finding the right balance of affordable, meaningful student loan repayments. 

I wish the CFPB could step in an demand that AES and all private student loans stop applying monthly, variable simple interest calculations. Set a specific interest amount that would be fair as a loan, and let me pay my interest and principle down. I also want the CFPB to require private student lenders to provide all debtors with income based repayment options, and minimum amounts applied to principle, so I can afford and pay down my private student loans. 

Since I do not have the money to pay off my loans, I need regulatory intervention so I can incrementally get out of debt. I am stuck paying simple interest calculations every month and, unless I have several hundred dollars a month to apply to my AES loan ( I do n't! ), I will never make meaningful change to my private student loans. This cycle will never end, and AES does not appear to mind.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. 

I have filed an FTC report with report number XXXX
Product: Mortgage

In XXXX of XXXX I was awarded a property though probate in XXXX county Fl. I contacted bayview loan servicing and sent them the documents by email and fax. Three weeks later I called to try and get the property refinanced and was told they could not speak to me regarding this property because I was not on the loan. I explained to them that I sent in the document sign by the judge. At that time they said they would review the documents. This went on for over a year. I sent the same documents over 5 times to them with the same response could not talk to me. In XXXX of XXXX I got a letter and call from bayview saying I was verified and they could speak to me now and I could make changes to the account. Between XXXX of XXXX and XXXX of XXXX the home has went to foreclosure and has assumed over 30,000 in fees and interest that I should not have had to pay. What Im asking is according to law I have read they were supposed to work with me and I was to be able to assume the mortgage in XXXX of XXXX after the probate was awarded to me. Since they did not I dont think I should be responsible for all the interest and fees and foreclosure costs that the property has now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCA 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I am contacting you because I found some information that is inaccurate on my credit report. The date of last active you are reporting for the below accounts dont match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Account Name : LVNV Funding LLC Account Number : XXXX Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. This report is also has a late payment status of 120 days and its in collection, and high credit limit is missing on XXXX.