23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So this collection agency Cavalry SPV I apparently sues me, I never received any documentation or subpoena and found out doing a search of my name. I had spoken to this agency in the past when thy called me on my work phone and told them to not call or contact me at work and disputed the debt. About a year later, I received another call, on my work phone I told them not to call, where they threatened to sue, although they were apparently already doing that. Then I got a letter ( can't find original but I did take a pic of it - see pic attached ) stating the debt was too old to sue for - although they were suing me. They wanted to offer to settle the debt which I asked for proof of. 

I asked them to show me a signature ANYWHERE on the credit application, on a charge slip, anywhere to prove it was actually my debt and they were unable to do so. The address has not been used by me in 10 years since I moved, but they refused to do anything but tell me to pay. 

I disputed the alleged debt, but they refuse to take it off my credit reports, or show proof. How can I prove it isn't mine when they provide NO information on the OVER 10 YEAR OLD debt? ISN'T THERE A STATUTE OF LIMITATIONS ON DEBT? 

So when I found out I was being sued, I had an attorney show up to assist me for the hearing on XX/XX/XXXX that I found out online through the court portal that was the court date. 
Neither the debt collector, nor their attorney, show up for the hearing to try mediation or dismiss the case that day as directed by the XXXX county circuit court. The final hearing was held and because they did not show the judge dismissed it for lack of prosecution because nobody from Cavalry SPV or their attorney showed up for the hearing. I was going to ask to dispute it and prove the debt was really mine, but because nobody for the collection agency showed up, the judge had to dismiss the case. 

Because they contacted me on a work number that I previously told them not to call, and they did anyway. 
They threatend to sue me, even though they sent a letter stating they can not sue ( after they called me. ) Then didn't show up for the court date when they did sue me. 

All of which are breeches of the FCRA. 

I want to file a complaint and my recourse would be to have this removed from all credit bureaus immediately. It shouldn't even be there because it is over 10 years old too, but Cavalry bought the debt and reported it as a NEW debt, so it is showing it will be on my credit until XX/XX/XXXX, WAY over the 7 year reporting limit on old debt. They alleged in court papers I owe over XXXX, from an address I haven't lived at in 10 years, but zero proof it was really me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, EQIFAX refuse to abide by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized any inquires that is on my credit report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Saw on a recent pull of my credit report that there was 120 late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. Transunion 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.
Product: Vehicle loan or lease

XX/XX/19 - XXXX XXXX ( XXXX XXXX ) called my job regarding my outstanding balance. I do not dispute I owe, but due to illness and financial hardship, I do not have the funds. I was advised I had to make 2 payments by XX/XX/XXXX back on XX/XX/XXXX. They have called me 3-5 times per day every day except Sunday. No matter what you try to set up, they call. I have begged them to help by reducing my interest rate, they will not. They did put some of my late payments to the end of the loan. 

My illness is triggered by stress and this has been very stressful. I told them before when they called my job that I can not have personal calls at work. My job does not allow us to accept calls from anyone other than our customers. Today, they called and actually spoke to someone who is on the management staff. This can jeopardize my employment. I need help getting Regional Acceptance to not call my place of employment. I have requested this before, I have requested it in writing. I did not provide any work phone numbers, but they still called my work this morning. 

I have a meeting on Tuesday regarding this incident. My job is very strict about their personal call policy.
Product: Credit reporting or other personal consumer reports

Experian is reporting information that past the statute of limitations. Showing late payments from XXXXXXXX XXXX. Showing a debt on report that is under a different name that is not my name.
Product: Checking or savings account

USAA is my bank I had used a customer service representative to transfer XXXX dollars from my checking account to my XXXX account to increase my secure credit card line of credit. The representive transfer out of my account XXXX yet the bank does not know where the money is. It was never transferred to any of my accounts and is no longer in my account. Im XXXX XXXX XXXX and was leaving for a crusisevwith my daughter. I could not go cause the bank lost my money and did not find it after I begged and explained this was a once in a lifetime trip. I lost my money that I paid for the cruise cause I couldnt make the trip without money to travel. Im heartbroken the bank refused to give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2014 XXXX XXXX called me on the XXXX first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with XXXX ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust
Product: Credit reporting or other personal consumer reports

The following credit inquiry was made, this was not me. I have submitted police report and ftc complaint. experian has not removed this from my file. 

Account name XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unsecured. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

A debt collector is reporting that I owed XXXX  money when account has been settled and already deleted from a different debt collector. When ask to provide proof they kept trying to get me to pay for delete through sending a payment in mail as the only option. And only reports through XXXX.
Product: Debt collection

I had a Best Buy Credit Card through CITI Bank there were fraud charges made on my credit card, I submitted a police report regarding fraud charges. CITI Bank choose to ignore my police report and back charge my credit card. Since this happened my credit card was closed by them and maxed out and over the credit limit because instead of removing the charges they re-added charges to my account. I have been in contacted and went through the fraud process with the credit card and they have ignored my claim. Under CITI Privacy Notice it states that there consumer are not responsible for fraudulent charges, which this company lied and doesn't stand by their statement.
Product: Credit card or prepaid card

Macy 's is the only credit card that will send me a bill and after I pay it in full I receive another bill. After contacting them, they claim it 's additional interest.
Product: Payday loan, title loan, personal loan, or advance loan

Heres a revised letter you can use to write to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Billing Errors for {$5000.00} XXXX XXXX Dear CFPB, I am writing to formally request your assistance in resolving a billing error and related concerns regarding my {$5000.00} title loan with Wilshire Consumer Credit , LLC .

I have been making monthly payments of {$310.00} as agreed, and to date, I have made five payments, totaling {$1500.00}. Despite this, when I review my account through the companys app, it continues to show a balance of {$5000.00}, as though no payments have been applied to reduce the principal. This is both confusing and alarming.

Additionally, Ive noticed discrepancies in the payoff quotes provided by the app and the companys automated payment center : The app states my payoff amount as {$5400.00}.

The automated voice payment center quotes a different payoff amount of {$5300.00}.

I have screenshots and screen recordings documenting these inconsistencies, as well as records of my payments. These discrepancies raise significant concerns about the companys accounting practices and whether my payments are being applied correctly.

In my research, I discovered that Wilshire Consumer Credit has a troubling history, including previous CFPB actions against them for illegal debt collection tactics. They have also been reported to engage in practices such as : Repossessing vehicles without court orders. 
Repossessing vehicles owned by service members. 

Additionally, Wilshire Consumer Credit is not BBB accredited, and the BBB website is filled with reviews from other customers alleging similar issues, including improper accounting of payments and misleading business practices. 

This situation has caused me considerable stress, as I feel I am not being treated fairly or transparently. I respectfully request the CFPBs help to investigate and resolve the following : 1. Why my payments have not been applied to reduce the loan principal.

2. Why the payoff quotes differ between the app and the automated system.

3. Whether Wilshire Consumer Credit is complying with federal and state laws regarding loan servicing.

I would appreciate your prompt attention to this matter and am happy to provide all supporting documentation, including screenshots, payment records, and screen recordings, as needed. 

Thank you for your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX Submit this letter online via the CFPB complaint portal or mail it to their address. Be sure to include all supporting evidence.
Product: Debt collection

The debt collection agency identified themselves as, Harris & Harris Debt Collection called me from an unknown number, I did not answer. The lady leaving the message identified herself as XXXX, she stated " I am an independent courier, who will be delivering me with certified documents which are attached to my name and social security number. I am scheduled to arrive at your current residence or place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX. If I am unable to reach you at these locations, it will be documented as a direct refusal to sign and the proceedings will continue without you. If you have any further questions, concerns or if you would like to reschedule prior to my arrival, please contact filing parties office directly at XXXX, refer to your file number XXXX. You have officially been notified, unless I receive a stop order, I'll be out tomorrow afternoon, so please plan accordingly. Thank you. 

I then called the number, referenced the file number provided, the guy said it is in reference to a payday loan from XXXX XXXX from XXXX. I told him that I have never taken out or applied for a payday loan and even if I had, an XXXX XXXX XXXX debt from XXXX is way past the 7 year statue of limitations for trying to collect on an unpaid debt. I would like to see the original loan application. He then stated, " receive the documents and take it up in court then '', which he then hung up on the phone. 

I previously setup and worked for a debt collection agency in XXXX, so I am familiar with the unethical practices these debt collection agencies use to work their paper. This company was by far, very unprofessional in providing me with the information regarding this bogus loan, or providing me with anything other than a threatening phone call to embarrass me at my home or place of employment by serving me with legal documents that I am being sued. I was taking care of my mother who had XXXX  XXXX XXXX and passed away in XXXX, so I was not even working at that time to get a payday advance loan so I am 100 % certain that this is an unauthorized debt collection.
Product: Mortgage

Our loan was sold by XXXX to Dovenmuehle Mortgage in XX/XX/XXXXXXXX XXXX The mortgage payment amount included impound amounts. The payment amount as calculated by XXXX was {$3400.00}. This is the same amount that Dovenmuehle stated to us as due on XX/XX/XXXXXXXX XXXX XXXX The first payment to Dovenmuehle was paid on XXXX XXXX XXXX for {$3400.00}. We then received a statement from Dovenmuehle that we were in default as the payment amount was changed by Dovenmuehle to {$4100.00}. We did not have any changes in this period on taxes or insurance. I filed a complaint immediately with Dovenmuehle in XXXXXXXX XXXX XXXX to resolve the matter. Dovenmuehle returned a response in XXXXXXXX XXXX XXXX that they incorrectly calculated the impound amount and that the correct payment is {$3600.00}. The new payment amount was noted and the payment amount was changed in my bill pay. The challenge is that Dovenmuehle charged late fees from the beginning of their error ( XX/XX/XXXXXXXX XXXX  ) and placed the account in delinquency state despite not missing payments and following their instructions as originally requested. The late fees and misappropriation of payment to principal have been ongoing. We have attempted 3 times to resolve the matter with Dovenmuehle to no avail.
Product: Checking or savings account

I opened an account with Citi on XX/XX/XXXX and the requirements for a bonus were to deposit XXXX for 30 days. Promo code was XXXX. {$15000.00} deposit landed at Citi on XX/XX/XXXX. From that point they said I had to wait 120 days to see the {$400.00} credit. That would have been XX/XX/XXXX. I have all the chat logs that said i have completed all the requirements and they are currently " Investigating '' my account. This has been the worst customer experience with a bank that I have ever experienced and should be criminal. I have given them everything that they have asked for and still no solution. 

Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 58 minutes 0 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.

This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. I will be glad to check this for you. 
XXXX at XXXX, XX/XX/XXXX : May I ask you to confirm only the last 2 digits of the Citibank account number in question? 
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
XXXX at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account. 
You at XXXX, XX/XX/XXXX : Thank you You at XXXX, XX/XX/XXXX : Anything? 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. I have confirmed you have met the deposit requirement and have maintained it for 60 days which was completed yesterday. Please note per the offer terms : " If you are an eligible client and enroll and fulfill required activities, you can earn a Cash Bonus. If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. '' As such, please allow 90 days from XX/XX/XXXX, which would be XX/XX/XXXX for fulfillment. 
XXXX at XXXX, XX/XX/XXXX : Mr. XXXX, are you still there? Do you have any other questions for me today? 
You at XXXX, XX/XX/XXXX : Yes You at XXXX, XX/XX/XXXX : Thank you very much for the assistance today You at XXXX, XX/XX/XXXX : That was all. 

As you can see from this chat log they did not follow their own terms. It should have been XX/XX/XXXX as the last legal day that the bonus would have posted.
Product: Credit reporting or other personal consumer reports

My lease signed on XXXX XXXX My housing program had no properly maintenance done on water heater. Tagged in violation of code. Leaked gas due to not certified plumber trying to light pilot. Was tagged numerous times 30 days longest without gas. With a child a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Her XXXX  had a paid a XXXX bill one time for me. To continue service. This account was closed wen I was wrongfully evicted n involuntary displaced from my home during pandemic with a XXXX kids XXXX of which has XXXX XXXX XXXX. Haven't been able to get thru to my housing authority. Was ignored n now my child has n is still suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( also known as 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 an account without my written instructions.
Product: Credit card or prepaid card

Before covid I just regularly made payments in store at Nordstrom, where my account had not missed a payment in over 3 years, but on this date most retail clothing stores were closed in XXXX Florida due to increase in Covid positive cases. On XX/XX/XXXX I logged into Nordstrom Card Services ( https : //www.nordstromcard.com/auth/accounts ) to make a payment of {$100.00}. I saw that the ACH bank account on file online was an old personal bank account that no longer existed so I then added a new bank account and proceeded to make the {$100.00} payment. I landed on a " Thank you for making a payment confirmation page where there was no error, no payment incompletion notification, no reason to believe that the task was not done. Norstrom immediately sent an automated email to thank me for making a payment but couldn't send a similar email, or even at the time of making the payment let me know that the old account they were trying to pull ACH from no longer existed, and to try a different bank account like the one I just added and thought I was using to make the {$100.00}, and made another {$65.00} & {$150.00} payment with subsequently?? When I logged into make the {$65.00} payment I still had no idea that the previous {$100.00} had bounced thus charging me {$25.00} in chargeback fees each time, but " thank you for your payments '' on these next two. Recently I began receiving notifications that I had a serious 30-59 day delinquency from XXXX and other credit apps. I logged in to XXXX saw that Nordstrom was reporting me and since I was certain that I had been paying on time and in good standing, I filed a dispute. A few days later I received a notification that Nordstrom upholds that the delinquency was true, so I then proceeded to call Norstrom to get to the bottom of this. The first associate and I determined that no bank account could be found for the {$100.00} I submitted payment for but that day that I did log in to make that payment I had added a new bank account. As XXXX as my witness I had every intention to make that payment but nordstrom card services website tried debiting my old account rather than the new one I had just added, and did not make reasonable effort to notify me to use a different account to make that payment. Rather let me think I'm good at time of transaction and let 30 - 60 days go by before me finding out that I'm delinquent due to a website Error and Ommission. The first Nordstom Card Services associate transferred me to their  supervisor who understood what had happened here, but was forced to constantly reiterate the Fair Credit Act and could not remove this reported delinquency due to their website processing error. That this would be a courtesy removal and would put Norstrom at risk for fines and investigations.
Product: Checking or savings account

Capital One 360 paycheck deposit was withheld was not able to have access as of XX/XX/year>. XXXX being withheld has cause financial stress. My car payment was lat and assessed a late fee of XXXX. Insurance company also sent notice of possible notice cancellation due to funds not being accessible on due date.