23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery Corp is attempting to collect a debt from me and I never established a contract with this company, furthermore ERC is currently reporting negative information onto my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have fraudulent information erased from my Transunion credit report without any luck and Im not able to dispute information on Transunions website. 
XXXX XXXX XXXX was removed from my XXXX report
Product: Checking or savings account

I opened a XXXX XXXX XXXX  savings account at Capital One in XXXX. In XXXX, I was told today, Capital One began offering a new XXXX XXXX XXXX account with a much higher interest rate. I don't recall receiving any notification about the importance of this change. I always thought I had a XXXX XXXX XXXX account because my account name always said " XXXX. '' I finally learned by reading a XXXX XXXX, XXXX email from Capital One that I am currently earning XXXX percent interest on my money market account -- much less than the XXXX percent interest being paid on XXXX XXXX XXXX. I have thought for years that I was earning the higher interest rate. 

Capital One 's lack of communication to its existing customers about the impact of the XXXX change it made to its accounts was dishonest. I learned of it only today, on XXXX XXXX, XXXX. I calculate that this hidden change has cost me over {$20000.00} in lost interest.
Product: Debt collection

Account handled by XXXX XXXX XXXX now turned over to new attorney - Cooling & Winter. Never received debt information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1.XXXX  XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX 4.XXXX  XXXX  XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
Product: Debt collection

I called XXXX to try to make a payment on my swimming pool loan but they said they had already sent me to collections. The collections company name is Financial Assistance Inc. Their number is XXXX. Her name is XXXX XXXX and her direct number is XXXX. So I called the collections company and I spoke to a representative and he said that my case was being represented by someone called XXXX. He gave me her contact information. I called her and left a voicemail because she didnt answer my call. When she returned my call I was at work so I wasnt able to answer but during my 20 min break I called her back to let her know that I did want to pay. She didnt answer and I called again until the next day. When I called her she was already mad. She was saying why did I call her if I didnt have money to pay and that she was not going to be refinancing my pool loan. She was so angry, yelling at me saying IM NOT GOING TO BE REFINANCING YOUR {$70000.00} SWIMMING POOL. Since she yelled at me and talked to me that way I didnt know what to do. I have really bad XXXX  and she triggered it with how she was acting towards me. I was in shock that she thought it was ok for her to do that. She literally scares me. Since I didnt say anything after she yelled at me she hung up on me. From there on I didnt want to call her because of that but I still do to try to come to an agreement. Every single time I call and try to talk to her she is always very rude and aggressive. She tells me that she doesnt want to waste her time talking with someone that doesnt have money to pay. She has made me cry from how loud, rude, and just absolutely mean she is. I tried calling again today and she hung up on me AGAIN. She doesnt let me speak. She said she doesnt want to hear anything I have to say and she hung up. So I called again and I said why cant we talk good. Tell me exactly how much it is that you want me to pay because I have tried to come up with a payment plan and she doesnt want to. And then she said Ill call you Friday. I already told my bosses because I dont know what she is going to do. She is always threatening me, saying that shes going to take me to court and insinuating that theyre going to take my house away. She was also like oh yeah you dont have money but you went and bought yourself a {$60000.00} car. I told her that I was good when I got my car and the pool but my situation got bad after the fact. Regardless that is none of her concern. I cant deal with her any longer.
Product: Debt collection

National Credit Management is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681i and 15 USC 1692 ( a ) ( 5 ) there is no debt. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then National Credit Management has no claim. 

I hereby irrevocably refuse to consent/contract to National Credit Management agency because there is no law required for this consumer to do so. Until National Credit Management agency can provide a lawful authority by which this consumer is subject to comply with submitting to National Credit Management or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) National Credit Management is hereby warranted to Proof of Claim in Arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - Receivables Performance Management - in regards to an outstanding balance of {$1500.00} ( ref # 309948372 ).  I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - XXXX XXXX. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted XXXX ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to XXXX from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and XXXX. XXXX, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, dating back to 2009. I have extended fraud alerts and security freezes on all 3 of my credit files. I have made efforts to clean up any fraudulent information on my credit reports by sending  in copies of my driver license, social security card, police report, personal information update documentation, and 609 letters. XXXX XXXX and XXXX are no longer reporting any fraudulent information. Experian is. I have disputed the negative fraudulent account listed on my report for about 3 years now. They will not delete it, even after sending in all information by certified mail proving who I am and asking for validation of the account in question. They can not provide me any validation or proof that it belongs to me. It does not belong to me. I have never had any contract with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resided with my mother at a previous residence in XX/XX/XXXX, where I never signed a lease. My father had lived there before I moved in, and I'm not sure if he had signed a lease or not, but we share the same first and last name. On XX/XX/XXXX we were evicted from the residence, and a civil action for possession appeared on my credit report. However, the name listed for the action is not my name and has been listed under my father 's name as evidenced by the different middle initial ( my landlord had put down a XXXX where my father is the XXXX ). Due to this false information I have had issues being able to rent at other locations.
Product: Student loan

Can not get through to a person and when I do I am given the wrong information.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CITI XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

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

Well on credit karma on my Transunion it shows I have XXXX hard inquiries starting from, XX/XX/XXXX to XX/XX/XXXX. These hard inquiries are really holding my XXXX XXXX down.
Product: Money transfer, virtual currency, or money service

I was issued a Cashier Check for the amount {$1200.00} payable to XXXX XXXX from my credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) as part of a debt consolidation loan. The Check was mailed into my creditor ( XXXX XXXX XXXX XXXX ). The check never reach XXXX instead it was cashed by HSBC which do not service my credit card. My bank and I have repeatedly since XX/XX/2022 reached out to HSBC to return funds to my bank or myself but keep getting the run around. HSBC has acknowledge to my bank they have the funds but have not returned. My banh XXXX has tried to help recover the funds but are now saying it is nothing they can do further. I do not have any accounts with HSBC and am getting nowhere in getting my funds back. This has been going on for 9 months and as the consumer I am out of my money while both banks are mot fixing the issue.
Product: Mortgage

I am contacting the CFPB for help as I am worried about my home going into foreclosure and the mortgage servicing company is not being reasonable. My loan became delinquent as of XX/XX/XXXX when I, XXXX XXXX became ill having XXXX issues and unable to work. In XXXX, the doctors were not testing for XXXX but I had all the symptoms. Selene Finance put my loan on a forbearance through XX/XX/XXXX and told me they could not extend the forbearance any further. My wife and I paniced knowing we did not have the funds to reinstate the arrears nor could we afford to resume making our regular monthly payments. My wife was working two jobs but it was not enough to cover the household expenses on her own. I managed to find new employment and we applied for mortgage assistance with Selene Finance. After being in review for some time, they offered us a six month trial modification starting XX/XX/XXXX increasing our payment from {$1800.00} to {$2200.00} which is an increase of {$420.00}. They increased our rate of 4.5 % to 6 % then amortized the loan over 40 years but due in 30 years. They even shortened our current maturity date which was XX/XX/XXXX. This results in a balloon balance owed at maturity in the amount of {$120000.00}. 
It seems to be Selene Finance is taking advantage of this situation and putting me in an even worse hardship. I questioned why, being my property is in New York, why I am not being offered the three options under New York Banking Law 9-X with one of the options would be to extend the maturity date by the number of months on forbearance. They said the investor on the loan was not offering this. I am confused as to my understanding, this is a state law.
Product: Debt collection

IQ Data International never provided any letters, never notified me of any debt at all. 
First notice is a collection charge off on my credit report : XX/XX/2019 accountnumber : XXXX I mailed a certified mail with return receipt request for debt validation letter to their Washington State Department of Revenue License XXXX # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Entity name : XXXX XXXX XXXX Business name : I.Q. DATA INTERNATIONAL, INC. 

Despite XXXX XXXX receiving and signing for request for validation of debt letter on XXXX at the above address they have not sent validation of debt or any correspondence at all to me. 

They are attempting to use the address below on the credit report charge off which is not their legal address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX However I have contacted them at their legal Washington State Department of Revenue License address for a small claims court case suing them for attempt to collect an invalid debt. I have received no response for debt validation or small claims court law suit. 

This is a FDCPA Violation because the debt collector refused to validate debt despite signature return certified mail validation request sent to their legal address [ 15 USC 1692g ] 809 ( b ) Another FDCPA Violation occured when the collections agency has ignored request to verify the debt yet has continue to collect by adding derogatory item to credit report E [ 15 USC 1692g ] 809 ( b ) I have not received any overdue notices in the mail from anyone which I can prove by USPS informed delivery. My USPS informed delivery subscription also proves that I have received no mail from XXXX XXXX XXXX or I.Q. DATA INTERNATIONAL, INC. all letters are scanned by image processing before delivery proving this company never sent any mail at all to my legal address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents
Product: Debt collection

Collection agency put Collection on my credit report for wrong amount. I stayed at a hotel for 8 months in XX/XX/XXXX to XXXX a weekly pay hotel in XXXX XXXX, made every payment on time last week I didn't pay we moved out, with a balance of XXXX dollars original creditor said this would not be on my credit report, but XX/XX/XXXX it shows up on my credit report for XXXX dollars and the credit agency is adding interest or something because they reported a balance of XXXX dollars as of XX/XX/XXXX they being The acctcorp of Southern nevada
Product: Payday loan

On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.
Product: Debt collection

Received a collection notice on XX/XX/18 from Receivables Performance Management dated XX/XX/18 for a XXXX bill we dont owe. I currently have XXXX telephone service with autopay for several years now and didnt take the notice serious. On XX/XX/18 I checked credit reports via XXXX XXXX and the collection account is in my XXXX XXXX credit report. XXXX XXXX has put this unjustified collection account in my report and lowered my report by 70 points for a single {$280.00} Collections account. This is an abuse of the credit reporting bureau that is not being unpartial and penalizing my credit score unfairly. I would understand lowering my score 5 points for one negative report but not 70 points. In addition to XXXX XXXX and XXXX XXXX websites will not let me file a despute for the collection account. Both websites indicate error messages when trying to file a complaint. This unjust act must be cleared up immediately, please restore my credit report the 70 points. In addition to this XXXX, Receivables Performance Management is to clear the negative collection report on all of my credit monitoring report ( XXXX XXXX, XXXX and XXXX ). I also would like lifelock credit monitoring to be provided for this unjust act, with compensation of ten times the amount claimed owed {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

The bank is anxious to shift to electronic statement delivery. We have made it clear in our preferences that we expect paper delivery of all statements. Up until now that bank has respected this arrangement and honored the preferences we set. However this year the 1098 did not arrive. I called the bank this morning and was informed that despite our clearly established preference for no electronic delivery - the bank unilaterally delivered all 1098s electronically. After expressing my dissatisfaction with this, I asked where in the online account portal I can retrieve my 1098 for XXXX. The representative directed me to where the document should be and it was not there. She then told me that perhaps it was only available from my wife 's account, and suggested I log-into my wife 's account to look for it. I did not do this. I demanded a paper copy be put in the mail immediately. I then asked how to ensure that my preference for paper statements is respected for all statements going forward- the representative told me that there was NO WAY to do that. I implored her, we have so many accounts with tax implications- if it were up to us to chase down all of our 1098s and 1099s we would surely forget several. It is completely unacceptable to ignore our request for paper delivery, assert that it is available online only, and then FAIL to make it available! I am writing for relief - this bank does not think they are under any obligation to respect my wishes with regard to my 1098 and, apparently, any other significant correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is that I tried to get my Annual Credit Report just now on XXXX at XXXX XXXX  and I went to print it and it Disappeared, and now it says I can't have for 12 more months. 
Please HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Cell XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the XXXX.