23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see emails to company below. It is impossible for me to include all the times they have contacted me as they call from different/blocked numbers. 

Hello, Today, despite the communication below on XX/XX/2020, I received a threatening text message and my MOTHER received a threatening voicemail on her HOME ANSWERING MACHINE from a number associated with your company. 

This is your official notice that, as outlined below, I will be contacting an attorney and pursuing legal action against your company for your many violations of federal and state laws regarding debt collection. 

Please look forward to a call from my attorney before the end of the week. 

On Sat, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : I have not heard back from you regarding my alleged debt. 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney Generals office. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX On XXXX, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2020 AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS67205 Dear Sir/Madam, Re :  Account # : XXXX Im writing this letter to open a negotiation on the alleged debt for the account number provided above. After a period of financial hardship, I am currently working to address several alleged debts listed on my credit report. However, I still have limited resources and will only be able to provide partial settlements for the alleged amounts owed. 

With that in mind, I would like to propose to settle this alleged debt for {$45.00}. In return, I request that your company remove this collection account from my credit report, along with any related negative information. I also request that you do not sell the remaining alleged balance to any other company. 

If your company is willing to accept each and all of the above aspects of this request, please prepare a settlement agreement, sign it and send it to me via email. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

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

XXXX, Experian, XXXX and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.
Product: Debt collection

For the past two months, I have been receiving from Penn Credit Corp. a debt report. They want me to pay for something I never got or asked for. I called them but they refuse to give me information about what I have supposedly bought from some media company. They also refuse to give a phone number of that company so I can cancel this monthly transaction of {$34.00}. They listed the date of XXXX as the beginning of this purchase.
Product: Vehicle loan or lease

Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.
Product: Student loan

Navient is making it extremely difficult for me to switch to the " repaye '' program that was made available to borrowers. My loans qualify. Currently I am on the income driven repayment that alows for XXXX % of Disposable income. Navient originally told me I would have to pay XXXX ( or whatever I could afford to switch ), when I called to switch I was placed on hold ( service rep ) spoke with supervisor who told her to tell me I am out of forbearance time and they would require a XXXX payment to switch me!? ... THey refused to switch me for XXXX ... Navient originally misinformed me of the possess to switch and then demanded more money for me to switch to a program I am entitled to. Sad this organization is permitted to mislead and use these deceptive practices. 

Thank you for taking the time to view my complaint.
Product: Debt collection

Good day, Please note the below story for why I left my apartment XXXX month early in 2020. The XXXX send me a letter and negatively dropped my credit that same year ( 2020 ) and I challenged it and they resolved it. Now 3 years later and I am receiving the same letters despite attempts to challenge again. 

- Sending a Debt Collector breaks The COVID-19 Tenant Relief Act ( SB 91 ) in California as I am within this right at the time I departed my apartment. 

The story : - I have moved out of my apartment ( XXXX XXXX ) at the beginning of Covid due to being furloughed from my job. 

- I moved out XXXX month early, and it was agreed upon with XXXX XXXX that my security deposit and my Pet deposit would be forfeited and I would not be responsible for the lease being broken slightly early. 

- A few months after this, my credit score dropped a large amount which I instantly challenged with the above reasoning. 

- This was investigated and removed from my credit score and my credit returned to where it was previously. 

- Now, 3 years later, I am doing the same thing again. This was resolved and in 2020. 

Thank You, XXXX
Product: Mortgage

Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have that my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX This was just changed in XXXX of 2024. 

I sent a copy of my identification and I have identity theft and the account was frozen at that time. 

They told that they confirmed the information and it's connected to another dispute with XXXX XXXX I disputed. 

I live in a single family home. 

I actually even called them about this issue.
Product: Debt collection

-They called me Tuesday XX/XX/XXXX on my work phone. I told them it was a work phone and to stop calling me. They told me they would remove the number. They called again on Monday XX/XX/XXXX on the same work phone. I repeated the information that it was a work phone and to stop calling me. They called me again on Wednesday XX/XX/XXXX on the same work phone number. 

-They block the number they are calling from and it is a fake number. When attempting to call the number back it simply reports it is not a working number.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  approximately {$100.00} usd was extracted out of my account from a strange cashapp account that I dont recognize. Nobody has my card or password. This was straight up hack and scam situation. Ive been disputing this charge for months only to keep getting declined by cashapp or given the run around. Cashapp needs to be held accountable as much as the culprit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my credit that I did not make. This is clearly fraud. 
The dates of both inquiries are as follows : XXXX, XXXX. XXXX, XXXX.
Product: Mortgage

Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I opened a checking account with Truist Bank under this promo. It requires at least two direct deposits totaling {$1000.00}. The bank is saying that salary deposit and HSA disbursements are not valid direct deposits. They are refusing to pay the bonus because according to them, these are not valid direct deposits. 
( *A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Offer Information : Earn {$400.00} for opening a new Truist One  Checking account online [ ... ] and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. 

*A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00}
Product: Debt collection

I have submitted in writing via certified mail   on two occasions a request for validation showing my signature of this debt they say I owe. They have yet to furnish this information to me.
1. original letter requesting validation with my signature   was sent and received by them on  XXXX .    2.  On  XXXX , I did not hear from them via mail so I again requested validation and the second letter was received by them on  XXXX   XXXX . On  XXXX , I receive a letter from them stating that their information is correct and sent me a copy of a statement. Which is not validating this account with my signature.     Based on the facts that they have not validated this account showing my signature, I am requesting that this derogatory account be removed from my account.     Enclosed for proof are copies of return receipt and signature from them showing that the letters were received by them. Also, is there letter that they sent out on  XXXX  and received by me on  XXXX .
Product: Debt collection

Hello, my name is XXXX XXXX, I have been having problems with this collection agency for some time now I have been contacted by the debt collection agency by the name of " XXXX XXXX XXXX XXXX '' located in NC since the debt went into collection, they were charging me a bigger amount than the original creditor. The debt that they are claiming to be mines is not valid and it doesn't belong to me and is invalid. On XX/XX/XXXX I sent out a debt validation letter to the collection 's agency stating that provide me with valid information showing that the debt was mines, I mailed it to the company by certified mail to make sure the company received the letter and they never reached back out to me to show proof that the debt was mine and that the debt is valid. I have proof of the letter and the date the letter was sent and received by the company I gave them a 30-day validation for the debt, and I still haven't heard anything back from the collection agency, so the debt is not valid, and it's not mines.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau refuse to remove negative item on my credit report. 
In according with the fair credit Reporting act. XXXX XXXX account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose Experian Credit Bureau In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX with the United States XXXX, I received late charges to my XXXX XXXX  credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX collection department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manageXXXX and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit bureaus.
Product: Debt collection

I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.