23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firstly, I am certain I have no debt other than my student loans, which are currently being handled by an unrelated credit service, and that these claims must be baseless. 

On XX/XX/18 Recievables Performance Management ( XXXX XXXX XXXX XXXX Suite XXXX XXXX, WA XXXX ) began calling my mother 's phone from XXXX ( XXXX ) XXXX and asking her to confirm my identity. They refused to identify themselves or why they were calling, and did not attempt to contact me via mail or telephone before contacting her, despite the fact that they told her they already had my address and phone number ( all violations of the Fair Debt Collection Practices Act ). 

On XX/XX/18 they called me for the first time but I missed the call. I immediately called them back and after confirming my identity they claimed they were going to transfer me to a representative. After the transfer I was played a message that no representative was available. I called back a second time later and the same thing happened. I called back a third time and they rudely hung up on me. Keep in mind that THEY STILL HAVEN'T TOLD ME WHAT DEBT THEY ARE ATTEMPTING TO COLLECT ( also a violation of the FDCPA ). I called back a final time and told them that I was going to block their number and I did. I also filed a complaint on their website ( http : //www.receivablesperformance.com ) explaining everything that I have explained up to this point and requesting that they confirm the debt in writing as required by law or cease communication. 

It was at this point that they began to use burner phone numbers in an attempt to circumvent our blocks and continue harassing us after I specifically requested that they either provide written verification of debt or cease communication ( their refusals to do either of these things are also FDCPA violations ).  Both my mother and I have now recieved multiple calls from multiple numbers over the past 2 months, all tracing back to RPM in Washington, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX They have still to this day NEVER sent me written notification or verification despite having my address, nor have they ever told me who they claim I owe, or how much. Nothing but constant annoyances bordering on harrassment and intimidation. 

I believe them to be comitting at least 6 violations of the Fair Debt Collection Practices Act ( failure to identify themselves, failure to notify in writing, failure to give the name and address of the original creditor, failure to cease communication upon request, communicating with consumer after request for validation has been made, failure to provide verification of debt within 30 days of written request ).
Product: Credit reporting or other personal consumer reports

I have disputed the information with XXXX from the florida department of revenue. They are still reporting this error. In fact the letter states there they will direct the payments to me
Product: Debt collection

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
Product: Debt collection

XXXX I used XXXX via XXXX to pay {$150.00} for a purchase. Immediately after, I realized it was a fake account/scam. Then the person disappeared. Now I am receiving a collection request from XXXX XXXX XXXX Reference # XXXX, account # XXXX. When a person uses XXXX to pay a third party a question is supposed to come up asking if the payment is for Friends and Family or a transaction for a purchase that includes consumer protection. This question did not come up during my transaction. It automatically defaulted to Friends and Family which offers no consumer protection. This is a gap in the XXXX or XXXX system. I immediately reported this to XXXX and XXXX as well as my financial institution. Monies were moved from my accounts to create a XXXX balance for funding XXXX but payment still processed leaving a negative balance in my XXXX account . I have since been blocked from using XXXX since the debt has not been settled. I have screenshots of this transaction and notes from my conversations.
Product: Debt collection

This debt was for water filtration service that was not completed and under dispute. Moreover it was not in my name it was in my ex-husband 's name. The company XXXX  XXXX which is now owned by XXXX gave the collection to a collection agency depsite the fact that it was under dispute and not in my name. They added my name to the debt without any agreement or authorization from me. Morever they never responded to the substantive claims of my dispute.
Product: Checking or savings account

From XXXX to XXXX I had a checking later years I had a credit card and credit line. They were posting withdraws and deposits so I would overdraft and charging me fees then they opened me a credit card without my knowledge and put the overdraft on the credit card.
Product: Debt collection

DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( Upstart Network Inc. ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
Product: Prepaid card

I ordered a replacement card from the rush card company. I am unable to activate the card over the phone or on the Internet. customer service does not answer any of the phone calls or return any emails. I have been calling for almost a week about the situation. I simply want to get the rest of my money out and I will not use this card anymore. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX
Product: Credit reporting or other personal consumer reports

XXXX has many errors on my credit file from wrong phone numbers, balances XXXX I have requested my complete credit file from XXXX and have yet to receive it. 

Nothing but the run around with a complete credit file with all the pages. 

XXXX has many to much gather wrong info.
Product: Student loan

ACS purchased my loan from XXXX and noticed was not given in a timely manner. When I did receive notice, I faxed my deferment forms to ACS as I did with my other lenders. Last year, I consolidated all my loans with XXXX and ACS was paid in full and my account was deemed closed and paid. Earlier this year, I reviewed my credit report and noticed late postings from ACS on my credit report. I disputed the late reports due to my filing for a deferment during those time periods and requested a review of my account status from the credit bureaus and ACS. On XX/XX/2016 ACS re-labeled my paid accounts as delinquent! After contacting ACS numerous times over the next month I was finally put in contact with an account manager who stated that she would look into my situation. In reality, I had to keep in contact with her and send numerous inquiries to XXXX and XXXX disputing the accounts. Eventually, one of ACS accounts was put back on paid/closed/current status but the other account is still showing delinquent status even when it has been paid and closed. It is not showing the final payment and thus harming my credit. This is beyond the disputed late months that I was initially disputing with ACS and it seems to be in retaliation of my initial disputes. The ACS representative even informed me that they sometime misplace or lose the faxed deferment forms and if I could find my copy it would help but as I explained to her those forms were faxed years ago. In addition, I explained that regardless of my disputes of being reported late my account was in current status showing paid and closed and after my disputes they became delinquent which is not legal. 
In closing, I am requesting the CFPB to investigate my claim and account, return my accounts back to current and not delinquent as shown by XXXX and XXXX due to the information provided by ACS and also have ACS remove those late reports as my other student loans during those same time periods show current or paid due to the deferments that were in place. ACS more than likely overcharged me due to their practices but since they have already received their funds I just want my accounts to reflect the rightful status
Product: Debt collection

To whom it may concern I was served a copy from a court settlement debt. This XXXX account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXXXXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is XXXXXXXX XXXX with the case number of XXXX and I as the defendant. I never opened this XXXXXXXX XXXX nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling Moore Law Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( XXXX ATTORNEY ) but no luck. I was only able to leave a message. Please help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

I have sent 9 different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on XXXX different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in TransUnion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dipsute involves 7 disputes was not authroized and needs to be removed. I have attempted to resolve issue with reporting agency, but have gotten no where. Attached will be the list of inquries that needs to be removed. The reporting company was also contacted
Product: Debt collection

To Whom It May Concern : I am hoping you can help me in this matter. I have been struggling for years with my dealing with XXXX, XXXX, and now XXXX. I only recently found out that this accounts principal is in fact still Bank of America. I was lead to believe this account was sold off in early XXXX. This is a charged off, closed collection account in the amount of {$85000.00} which first became delinquent in XXXX. My first mortgage is under a HAMP modification with XXXX XXXX and the 2nd is COUNTRYWIDE / B of A I believe there has been a been a breach of contract ( oral contract with XXXX/XXXX which was confirmed in writing ) of a settlement in the amount of {$35000.00} which was reached between myself and XXXX/XXXX. I had been making good faith payments on the settlement amount renewing the agreement and reestablishing same by setting up automatic payments in six month increments held for settlement of account.. See exhibits. When I was ready to pay lump sum due to divorce proceedings. During my recent divorce I needed to settle this account and reached out to XXXX who informed me it had been sold or transferred to XXXX. XXXX is not honoring the settlement agreement. It asked for all my information which was given and a professional valuation. Then indicated reduction of 1 % ( {$78000.00} ) or short sale. This is terrible.. I have been trying to get out from under this for 10 full years. 
FEES JUST KEEP PILING UP WITH OUT ANY MONTHLY STATEMENTS When I asked to speak to the principal or find out who was rightful party, they gave me the attached redacted document with pages missing. Now I have to sell the house. I fully expect the agreement to be honored. It was {$35000.00} I paid {$7700.00} toward it : total {$27000.00}. Remaining balance. THIS IS OVER TEN YEARS OLD IS STILL BEING REPORTED ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY
Product: Credit card or prepaid card

I filed complaint # XXXX. The company responded and the case was closed. Their letter in response said my account has a XXXX balance and I am not being charged late fees and interest. Their letter is dated XX/XX/2023. On XX/XX/XXXX, the next day they charged another late fee of {$41.00} and interest of {$4.00}. They then issued a statement showing I still owe all of the past late fees and interest. They did nothing to clear up the account. As stated in the original complaint I paid my charges on time over six month ago and they cut a check mailing it back to me. I then paid it again and they cut another check sending the money back to me. I still have not cashed the second check. I've attached the resolution letter, both cfpd 's and Comenity 's, along with the statement I just received. Please note the 4th paragraph, on Comenity 's letter states " As of the date of this letter, the balance on your account is zero. This is not true, as shown in the statement dated XXXX. Please help.
Product: Credit card or prepaid card

I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.
Product: Student loan

Federal Student Loans - Cause Of Action Dismissal - Schedule Appointment XXXX XXXX ToXXXX XXXX XXXX Today at XXXX XXXX Hello,
 My name is XXXX XXXX and I am the Federal Student Loan Discharge Specialist here at XXXX XXXX XXXX
 
I am reaching out to let you know that the Department of Education (DOE) has added your school to a list of schools that file a "Cause of Action" claim. This is a Grievance Discharge of all Federal Student Loan Debt for students who feel misled or defrauded when it comes to their school experience.

 
Have you been made false promises to regarding job placement or assistance?

Have you been lied to about your credits being transferable to other college/universities?

Have they failed to thoroughly explain to you the full cost and breakdown of your entire tuition?

 
These are some examples of questions that if apply to you would deem you eligible for this Grievance Discharge, and if approved you could be completely dismissed of all your Federal Student Loan Debt and reimbursed on all voluntary payments you have made to your student loans thus far. If you have ever received any credit damage due to these loans, that damage can be completely revoked.

If you would like to check your eligibility further, please contact me via email or phone. I can go over your case and see if you are a valid candidate for this program. Have a great day and if you know of any classmates or friends/family that this might apply to, please pass along this information.
Thank you very much
 
 
Please email me or call me to schedule an appointment if you feel this applies to you.

-- XXXX XXXX XXXX Loan Discharge Supervisor XXXX Direct: XXXX ext XXXX  FaxXXXX (XXXX) XXXX Email:XXXX Web: XXXX XXXX XXXX XXXX XXXX "This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message." Thank you for your cooperation
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago two accounts from XXXX appeared on my Experian profile, I did not recognize them. My attorney contacted Experian via mail and by phone because I had been a victim of ID Theft and she was assisting me in a law suit .... anyway Experian removed the accounts. However, after a year this past Friday- Experian re- inserted the accounts back to my credit without proof or proper validation. I called them and was told I needed to contact XXXX. I already had and have been unable to get proper validation and was told to dispute the account with the bureau. If the accounts are not removed, I will be filing a law suit. I was just about to apply for financing
Product: Credit card

Subject : Formal Complaint Regarding Illegal Handling of Dispute by XXXX To Whom It May Concern at CFPB, I am writing to formally express my deep frustration and serious concern over the mishandling of a dispute by XXXX. On XX/XX/year>, I filed a formal dispute after several unsuccessful attempts to resolve an issue directly with XXXX XXXX for a charge of {$28.00} on XX/XX/year>. The charge was for produce ( cabbages ) that were later found to be rotten inside and yogurt with many of the cups that were damaged with vertical cracks or unsealed lids. 

Despite providing all necessary documentation and following the dispute process meticulously, I received a voicemail message on XX/XX/year>, from a XXXX agent named XXXX. He stated that the dispute could not be processed because it was a " face-to-face '' " physical '' transaction, and therefore, the dispute was closed. This rationale is completely absurd and illegal under the XXXX XXXX Billing Act ( FCBA ). 

The XXXX clearly mandates that disputes must be addressed, regardless of whether the transaction was physical or otherwise. XXXX decision to close the dispute on these grounds is not only unfounded but also a blatant disregard for consumer protection laws. This mishandling has caused unnecessary stress and inconvenience. 

I am requesting immediate action from the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and ensure that XXXX properly processes my dispute. I have attached the voicemail transcript from the XXXX agent for your reference. 

Failure to address this matter promptly will compel me to escalate my complaint further. I trust that the CFPB will address this issue with the seriousness it deserves and take swift corrective action.
Product: Debt collection

On XX/XX/2020. I checked my credit and found a collection debt of $ XXXX wasn't mine. I called the collection agency ( Synerprise Consulting Services ) and explained to them that the debt wasn't mine and I don't live where the fraud took place. I ask them to verify my Social Security Number, but they couldn't. They only have my name and date of Birth. I even tried to get information for a police report, but the companies are giving me the run around. The collection came from XXXX XXXX XXXX in XXXX Texas. I live XXXX hours from there. They can't provide me an address where the transaction took place so I can file a police report.