23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX and XXXX sued me on behalf of XXXX for non payment of a credit card in the amount of {$11000.00}. 
There was a judgement issued by XXXX on XX/XX/XXXX by XXXX Supreme Court ( New York ). 
They placed a lien on my property atXX/XX/XXXXand the sale of my property was contigent on the fact that I pay this judgement. 
I have been trying to contact XXXX for 3 MONTHS, and no one will give me any information on how I can satisfy this debt. 
I was able to sell my apartment ; however, the monies owed to me have been placed in escrow by my cooperative, XXXX XXXX XXXX. I will lose this money if I can not get in touch with someone at XXXX and get a satisfaction of judgement. 
I saw the article titled, '' CFPB Takes Action to Halt Debt Collection Mill From Bombarding Consumers with Junk Lawsuits : XXXX XXXX XXXX illegally sued borrowers on behalf of XXXX and XXXX, among others, '' dated XX/XX/XXXX, and believe I am a part of this scam. PLEASE HELP!
Product: Debt collection

I noticed a collection on my credit report by Diversified Consultants from XXXX, FL. I had never received any information from them regarding alleged account, so I sent them a letter on XXXX XXXX, 2016 asking for verification and giving them my current contact information. I never received a response. I then disputed with the Credit Bureaus asking that they help verify the information or delete the account. The information came back verified, but as a paid collection with zero balance. It was then changed back to having the original balance and a status of " derogatory ''. I still to date have never recieved any communication from this company, nor have I ever paid or had a business relationship with them. The credit report states that the account was from a previous XXXX bill and I have verified with XXXX directly that I have no outstanding balances with them.
Product: Credit card

My father XXXX XXXX and I opened an account in XX/XX/XXXX to get flooring done in our XXXX XXXX This was a joint account that I co signed with my Father. The billing docs were sent to my father 's house in his name only, not mine and not my address. The payments were set up online for automatic pay so the account was never in default. Unfortunately, my father passed away in XX/XX/XXXX. At this point my mother would be taking on all of my fathers accounts and such and was severely grieving the loss of her husband of 40 years. There was severe documented XXXX in which she continues to suffer that caused my mom to not open mail that was my dad 's when she knew all his cards were set up autopay. Come to find out, we only had 0 % interest on our purchase for 1 year. Once XX/XX/XXXX came, the interest hit our account from a {$26000.00} purchase which acrued over {$8000.00} in interest. The mail was in my fathers name and my mom did not see or read the interest free period was going to expire. Me being the co signer was not getting any bills and completely forgot about the bill as it was on autopay and never in default. Last month I opened a second Wellsfargo credit card and saw the balance on the flooring from the other account and saw it was barely moved when we have been making payments for over a year. I looked into it further and saw the interest added to the account was over {$8000.00} in interest. We called and tried to ask Wellsfargo for help but they told us there was nothing they could do. We transferred the balance to another account to not acrue such high interest rates but there was a very big lack of communication between Wellsfargo and myself when banks were notified of my father 's passing but I never received any correspondence from them to remind me of the ending interest free period. Is there any help?
Product: Debt collection

In the meantime, PHH mortgage is piling my account with additional penalties and fees. Below is my communication with PHH Mortgage. Ive attempted to contact the representative XXXX as stated in the letter. Her mailbox is full. Its over an hour hold time to speak to another rep. 

I have wrote them several times requesting to stop payment on the check and make the payment on line without being charged a fee. Below is the most recent communication. 

Dear XXXX, We received the document attached to your emails on XX/XX/2019. Based on the tracking number, the mail is still in transit. Please contact the United States Postal Service ( USPS ) to check the reason for the delay in delivering it to us. 

Should you have any further concerns, you may contact XXXX directly toll free at ( XXXX ) XXXX, select option 1, extension XXXX or email XXXX at XXXX. For general account questions you may visit XXXX. You may also contact PHH 's  Customer Care Center via telephone at ( XXXX ) XXXX during the following hours : Monday? Friday XXXX XXXX? XXXX XXXX  ET Saturday XXXX XXXX? XXXX XXXX  ET PHH Mortgage Services, LLC XXXX XXXX   XXXX XXXX XXXX, NJ XXXX PHH Mortgage Services, LLC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. However, if the debt is part of an active bankruptcy case or if your personal liability on the loan has been discharged through a prior bankruptcy court issued Order of Discharge, this communication is not intended as and does not constitute an attempt to collect a debt and is provided solely for information purposes. 




Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX To : XXXX Subject : Account Date : XX/XX/2019 XXXX XXXX  CST Hi, Can I make the payment over the telephone and stop payment on the {$22000.00} check I mailed? The check is lost or sitting in your post office box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to conduct an investigation on the XXXX XXXX  / XXXX XX/XX/XXXX account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, Equifax states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, XXXX states that this account is 150 days late on XX/XX/XXXX and has NO DATA for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX / XX/XX/XXXX account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This complaint is against EQUIFAX. Equifax reduced my credit score by XXXX XXXX XXXX points between XX/XX/2023 and XX/XX/2023 citing that it was because I closed 2 credit card accounts with XXXX XXXX XXXX as well opening a new line of credit with XXXXXXXX XXXX  for home repairs. Please keep in mind that I was in good standing with this creditor and paying more than the minimum payment. I paid both credit card balances in full and closed the accounts because of the exorbitant fees and interest. The new line of credit with XXXXXXXX XXXX was opened in XX/XX/2023 did not become due until XXXX prior to the work being completed XX/XX/XXXX. So I paid the minimum payment to remain in good status, but to make sure I was not paying for services I had not received. It would seem as though all of my good paying history with XXXX XXXX for several or more years was erased all because I paid the balance off in total, with no pass due payments ever. I know that Equifax was previously cited for incorrectly reporting ratings/scores either by sheer ignorance or manual manipulation. Please investigate. I have tried to digest the explanation they have given but I can't because I have been so committed to rebuilding my credit after being sick, unable to work which left me financially devastated.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited {$3000.00} on XX/XX/19, i purchased {$1000.00} ETH and {$300.00} XXXX, XXXX XXXX is incorrect {$450.00} it should be {$1700.00} + my previous balance. i opened several ticket XXXX XXXX XXXX XXXX to resolve this issue, until now, it's not resolve and there's no response and no phone number to call binance.us
Product: Bank account or service

I have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. 
Now they say. My account was not effected. I 'm just trying to see it was or wasnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Transunion regarding the bankruptcy that's on my credit report. They returned the results stating that they verified that it. I in turn sent a letter to the bankruptcy clerk and they advised that they do not furnish information to the credit bureaus.
Product: Credit card or prepaid card

XX/XX/22 - CareCredit XXXX Synchrony Bank ) card for a medical procedure totaling {$5500.00}. 

XX/XX/22 - Paid {$170.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$30.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$430.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$41.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Was charged late fee of {$41.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Called to inquire about late and interest fees. Spoke to XXXX, who explained that even though we paid ahead of the XXXX and more than the minimum, the payments occurred within the " billing statement period '' and that payments should be made after the XXXX or so and before the XXXX to meet the XXXX pay date. 

I explained that I was not aware and asked if the fees could be removed. 

She authorized the XX/XX/22 late fee of {$41.00} to be removed, but could only do one in a 12-month span. 

I asked about getting supervisor approval and she said that she would inquire. 

XX/XX/22 - Received a " past due '' notice from CareCredit. 

XX/XX/22 - Called to inquire. Do not recall who I spoke to. Asked about this notice AND about the supervisor decision from XX/XX/22. She noted that I had called, but I again was told about the one late fee removal in 12-month span. No other fees were removed. 

XX/XX/22 - Made payment of {$300.00} so late fee would not be charged.
Product: Debt collection

THE US BANKRUPTCY COURT SENT ME A LETTER STATING THAT THEY DONT EVEN REPORT TO ANY CREDIT BUREAUS EVER AND PLUS ITS SHOWING THAT ON ALL 3 BUREAUS IT WASNT SPELL OUT CORRECTLY IT WAS SUPPOSE TO REPORT U.S BANKRUPTCY COURT OF XXXX INDIANA AND ITS NOT SHOWING THAT AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed a hard inquiry on my XXXX report
Product: Credit card or prepaid card

I purchased an XXXX through XXXX at XX/XX/29, total amount of {$1200.00}. 
then I immediately filled with XXXX 's seller which i did not received the item, after not resolving the problem, I contact XXXX directly for my case, XXXX told me I need to contact my own credit card bank. Therefore, I contact CITI bank credit card, first time I issued my case, they told me I will received a mail since I need to give them supporting document. After a few weeks not receiving anything, I contacted CITI banks again, and one of the customer service told me I had to mail back the supporting due to they do not accept any mail supporting document. And they informed me I will get a mail notification later on. Still, a few weeks past, nothing was received, I had to contact CITI for asking my case, this time, another customer service provided me an email for me to send all my documents via email, which I did. And they told me to wait for mail for progress. Again, so many weeks past, after each day checking the mail, I called back a few days ago, one of the customer service told me they closed my case without notifying me. I asked what was the reason, they said they did not receiving anything, which last time I emailed, I asked through the phone, they said they received it! And CITI bank asked me to go back to XXXX for my case, I then had to call XXXX, they told me, as same as last time, '' XXXX doesn't involve in this '' So I am wondering who! should I talk to? If my own credit card bank doesn't solve the issue
Product: Debt collection

On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.
Product: Debt collection

Authorized representatives : XXXX XXXX DBA CEO & XXXX XXXX DBA Senior Vice President of Diversified Adjustment Service Inc., are demanding {$150.00} Per the XXXX XXXX XXXX ; Diversified Adjustment Service Inc., is a corrupt debt collection company whom refuses to provide authorized representatives when aiming to negotiate an alleged debt. 

Upon checking my credit report an unknown authorized representative of Diversified Adjustment Service Inc., flagged my credit files with unverified collection & unpaid activity on XX/XX/2023 and XX/XX/2023 Diversified Adjustment Service Inc., decided not to honorably submit their demand for payment through the US Postal service to allow me to properly dispute their claim of {$150.00} I did not authorize XXXX XXXX or XXXX XXXX access to my social security number to damage my credit files. 

Diversified Adjustment Service Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Diversified Adjustment Service Inc. 

I am formerly requesting XXXX XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to Diversified Adjustment Service Inc., releasing my private information.

Diversified Adjustment Service Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I am not a party to any agreements Diversified Adjustment Service Inc., may or may not have with XXXX XXXX I am not responsible for Diversified Adjustment Service Incs purchase / transfer from XXXX XXXX. 

Present authentic contractual agreements supporting Diversified Adjustment Service Inc., and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Diversified Adjustment Service Inc. , on behalf of XXXX XXXX . 

Diversified Adjustment Service Inc., are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Diversified Adjustment Service Inc.

Diversified Adjustment Service Inc., does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Diversified Adjustment Service Incs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 

I have included all proof in the attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX


TRANSUNION
XXXX XXXX XXXX XXXX PA XXXX XXXX  TO WHOM IT MAY CONCERN:

I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, CLOSED ACCOUNTS, AND STUDENT LOAN ACCOUNTS REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT.

PLEASE APPLY THESE LAWS TO MY ACCOUNTS:
THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 (2010) FAIR CREDIT REPORTING ACT (FCRA) 15 U.S.C.  1681 (FCRA)

ACCOUNT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
REASON: DEROGATORY REMARKS



PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX




PLEASE REMOVE THE FOLLOWING NAMES FROM MY ACCOUNT. THESE ARE NOT MY NAMES AND I HAVE NOT AUTHORIZED ANYONE TO GIVE OR USE THESE NAMES.

INACCURATE NAME AS STATED ON CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX



PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOW NOR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES.

INACCURATE ADDRESS AS STATED ON CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
PLEASE REMOVE THE FOLLOWING EMPLOYERS FROM MY ACCOUNT. THIS INFORMATION DOES NOT APPLY TO ME. INACCURATE EMPLOYER AS STATED ON CREDIT REPORT XXXX XXXX  
BEST REGARDS
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a 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 instruction.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are Ally Financial, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ACCOUNT : XXXX this account is being reported as a charge off last active as of XX/XX/2016 which is 7 yrs ago. According to 15 USC CODE 1681b Permissible Purpose of Consumer Reports. This is in complete violation of my rights. I never gave written consent to have this information furnished. Stop closing my cases saying it matches the previous ones. Please delete this account from my credit. Its hurting my progress.
Product: Student loan

On XX/XX/XXXX. I contacted MOHELA about XXXX loan forgiveness. They stated I had XXXX qualifying payments for loan forgiveness. I recertified and by the end of XXXX my qualifying payments were at XXXX for both loans. When on the phone, a representative said that I could certify for a job I had in XXXX and XXXX. I sent in the paperwork at the end of XXXX and was approved for XXXX more months. One of my loans was forgiven, but the other portion still shows XXXX. Every correspondence, they representatives and the XXXX XXXX XXXX keep starting I am approved for dates XXXX and XXXX. Besides 2 months in XXXX all have been approved, which as my calculations show is XXXX payments. No one will fix my issue. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX