23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Updated info : Customer provided phone number receiving debt collection calls : XXXX. 

Updated info : I have not had any debts since I paid my mortgage in XX/XX/1993 so the debt is not mine and I have also received letters in the name of XXXX XXXX. I sent the letters back saying that person was not at this address. 

Receiving repeated calls from Dynamic Solutions Recovery Solutions, LLC Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. They finally left a message today after calling many times over the past several days. I have no debts, unpaid or otherwise and just wish they would stop harassing me for somebody else 's debt.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to cfpb on XXXX advising Transunion to remove XXXX XXXX from my credit report. I have not had a XXXX  account ever and somehow Transunion was able to verify this account. I am requesting a reinvestigation, I need Transunion to send me information on what they received from fingerhut showing they verified this account. If they are unable to verify the account Transunion has to remove it from my credit report asap. This inaccurate information is causing a hardship for me making it difficult to obtain a loan for a mortgage.
Product: Credit card or prepaid card

Three years ago i applied for a secured credit card at First Hawaiian Bank. I have attempt twice to have the hold released and was told by two different people I needed a 790 credit score. I asked have anyone got approved with less than 790. Point is they are holding my money hostage. I believe i am being discriminated against and would like this investigated ... A 790 credit score. Really?
Product: Mortgage

I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

Charge off Account name : XXXX XXXX - Account number - XXXX Experian / XXXX XXXX Account name XXXX XXXX - Account number - XXXX Experian / XXXX XXXX Inaccurate inquiries that need to be deleted Creditor NameType of BusinessDate of inquiryCredit Bureau XXXXXXXX  Dealers, XXXX XXXX  Auto Financing XXXXXXXX XXXX FinancingXXXX Late payments Account Name : XXXX XXXX XXXX  Account Number - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX - Account number - XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Credit reporting or other personal consumer reports

I do NOT have an account with XXXX XXXX XXXX XXXX XXXX  Fact, affint is aware and has proof already from prior documentation of consumer laws, that XXXX XXXX is in violation of of 15 US CODE 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of ANY debt. I did not authorize any of the inquiries on my credit, and have no knowledge of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US CODE 1681I ( A ) ( 5 ) ( A ) ( I ) ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. THERE WAS NO CUMMUNICATION OR CONSENT, THEREFORE THESE MUST BE DELETED.
Product: Student loan

My payment is due on XX/XX/XXXX of each month. I had a payment scheduled on XX/XX/XXXX for XX/XX/XXXX on XX/XX/XXXX an email was sent to the co-borrower stating that a payment had not been made. The account was not even 10 days late. My Dad, the co-borrower, made an additional payment, on top of the one i had already made. Something needs to be in place to show pending/ schedule payments. This is ridiculous!
Product: Credit reporting or other personal consumer reports

One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than XXXX years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ). You may send this information to [ address listed below ]. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX XXXX XXXX Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX with a outstanding balance of {$4000.00}
Product: Debt collection

On XX/XX/XXXX, I submitted a Debt Validation Request to LVNV Funding LLC, serviced by Resurgent Capital Services L.P., regarding a debt with an original creditor listed as XXXXXXXX XXXX XXXX XXXXXXXX. The debt, in the amount of {$710.00}, was charged off on XX/XX/XXXX and later acquired by LVNV Funding LLC on XX/XX/XXXX. 

In my initial request, I asked for the following : A detailed breakdown of the debt, including any signed agreements or contracts related to the debt. 
Payment history and a clear explanation of how the amount claimed was calculated. 
Proof that the debt was assigned to LVNV Funding LLC, including any documentation showing its transfer from the original creditor. 
Information on whether this debt was securitized and sold to another entity. 
A cease and desist of all communication and collection activities until the debt was properly validated. 
On XX/XX/XXXX, the company responded, providing general statements and partial documents. However, the documentation they provided does not meet the full requirements of validation under the Fair Debt Collection Practices Act ( FDCPA ), and significant concerns remain unaddressed. 

Actions Taken : I requested full validation of the debt on XX/XX/XXXX. 
The company responded on XX/XX/XXXX, but their response was incomplete and did not include the necessary documentation outlined under the FDCPA. 
Despite my cease and desist request, the company continues to contact me regarding this debt as recently as this week ( week of XX/XX/XXXX ), in violation of FDCPA 805 ( c ). 
Violations : Failure to Validate the Debt ( FDCPA 809 ) : The company has not provided sufficient validation of the debt. They have only provided billing statements and generic documents, but failed to include critical information, such as : The original signed agreement or contract that created the debt. 
Proof of assignment that shows LVNV Funding LLCs legal authority to collect this debt. 
A detailed accounting showing how the balance of {$710.00} was calculated, including any fees, interest, or other charges. 
Ongoing Collection and Contact in Violation of Cease and Desist ( FDCPA 805 ( c ) ) : Despite my explicit cease and desist request, the company continues to contact me regarding this debt. This ongoing communication constitutes harassment under FDCPA 806 and violates my rights as a consumer. 
Reporting to Credit Bureaus While the Debt is in Dispute ( FCRA 611 ( a ) ( 1 ) ) : The company is continuing to report the debt to credit bureaus even though I have disputed the debt and they have failed to fully validate it. Under the Fair Credit Reporting Act ( FCRA ), a disputed debt can not remain on my credit report unless it has been properly validated. This continued reporting is a violation of FCRA 611 ( a ) ( 1 ) and should be addressed immediately. 
Failure to Provide Proof of Permissible Purpose for Credit Report Access ( FCRA 604 ) : I requested that the company provide the permissible purpose for accessing my credit report, as required by FCRA 604. The company has not addressed this request, leaving me to question the legality of their access to my credit file.
Product: Checking or savings account

Upon opening a checking account with Trust Bank, I anticipated receiving a {$400.00} credit upon making two deposits exceeding {$500.00}. However, after four weeks of verification, I wa

s informed that the credit would be processed. Despite contacting customer service twice, I have only received confirmation that my account was opened under the specified promotion. However, they have been unable to provide an explanation for the credit not being applied.

Initially, I was considering switching financial institutions due to this enticing promotion. However, the unfulfilled promise of a {$400.00} credit has left a negative impression. Despite the credit being promised for direct deposits, I have yet to receive any funds in my checking account over six weeks.
Product: Mortgage

I contacted Amerisave about refinancing my home. I was given a approval by Loan officer XXXX XXXX Loan Originator NMLS ID # XXXX, PHONE XXXX. He notified me on XX/XX/XXXX that I was approved and they would be refinancing my credit cards in the mortgage so I did not have to worry about my debit to income. He stated that in order to lock my rate in I needed to pay XXXX. Which i did because he told me i was approved. I am now receiving calls from underwriting that there is an issue with my debt to income and need to put more money down. BAIT AND SWITCH. I have also been told if i dont I will not get my deposit back. help me please
Product: Checking or savings account

... 1 ) Simple Bank does not notify or disclose anywhere to its customers that it will treat federal money orders like a personal check. All Simple Bank states is that they will hold checks for 10 days. 

... 2 ) Normally banks and merchants treat federal money orders the same as cash, whereas they treat paper checks as, well, paper checks. 

... 3 ) If Simple Bank wishes to uncharacteristically treat money orders the same as paper checks, Simple Bank would be required to notify its customers of such a draconian policy ; but they have not updated their terms on their website even though this is the third complaint. 

... 4 ) The solution is Simple : Please update your website stating money orders will be treated the same as cash, and then please compensate my account for your oversight in not properly notifying customers that money orders will be treated the same as personal checks with regard to holds.
Product: Student loan

I have six-figures of loans with loan servicer MOHELA. I applied for an income-driven repayment plan on XX/XX/XXXXXXXX  after graduating from XXXX  school. Due to the ongoing court case, applications for IBR plans have been paused with my loans in limbo still incurring interest. The loans are meant to be placed in forbearance during this process yet I had to call every 2 months as the system would kick out of forbearance stating I had a payment due. I was on hold for over an hour each time. 

The main issue is that I received a letter dated XX/XX/XXXXXXXX  seen below, stating I was placed in a new Forbearance because " 60 days have passed since we have received your IDR application, and it has not been processed '' ... " no payment is required '' and " your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance ''. I received this same letter again on XX/XX/XXXX. I have screenshots below showing that interest is still incurring and I have had a payment due XX/XX/XXXX that has flipped back and forth between {$0.00} and {$1400.00}. This payment is now not going away and is a risk for a missed payment even though I applied for income-based repayment 8 months ago and am supposed to be in forbearance with no additional interest.
Product: Debt collection

After receiving multiple phone calls by this company starting XX/XX/23, on XX/XX/23requested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.
Product: Payday loan, title loan, or personal loan

This personal loan originated with XXXX XXXX. When I fell behind on payments, it was transferred to XXXX XXXX XXXX. On Friday XX/XX/XXXX, I reached out on to the United Collection Bureau who was attempting to collect the debt for XXXX. I spoke with a XXXX XXXX ( XXXX ) and attempted to settle the debt for less than the original amount. I do recall the amount of {$7500.00} being discussed while negotiating on the settlement. I told him that I would be able to make 2 payments, one at the end of XXXX and another at the end of XXXX. XXXX XXXX then said that he would be able to accept one payment of {$3500.00} and another for {$3000.00} to settle the account. I agreed to these terms and was read many disclosures on a recorded line. XXXX XXXX said that he would send me something via email to document our agreement. I called him back after not receiving anything and he said that he would have to create another email. Over the phone XXXX XXXX again confirmed the amounts of {$3500.00} and {$3000.00} when I asked. Shortly thereafter, I received the email ( # XXXX, Password XXXX ) detailing {$3500.00} for XX/XX/XXXX and {$3000.00} for XXXX. 

I didn't realize the second date was wrong until receiving a payment agreement mailer from UCB  ( # XXXX ) on Monday XX/XX/XXXX for {$3000.00} to be deducted on XX/XX/XXXX. I called right away Monday date and spoke with a different representative after asking for XXXX XXXX. I explained that the date was incorrect and asked it be changed to XX/XX/XXXX. Instead, he told me that the amount needed for settlement was {$4000.00} and not the {$3000.00} indicated in the letter. I explained to him that I verified these totals with XXXX XXXX twice and he said that XXXX XXXX made a mistake. He transferred me to his supervisor XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX repeated that the settlement was for {$7500.00} and that the paperwork I had received via email did not include the word settlement thereby claiming that it wasn't official. I told her that I felt this was unfair as they were attempting to change the agreed upon deductions of {$3500.00} and {$3000.00} to settle the account. I explained to her that twice I confirmed with XXXX XXXX the only two amounts of {$3500.00} and {$3000.00} and the only two dates that were given to me to settle the account. XXXX XXXX even said that she listened to the recorded phone call but said that I now will not be able to settle the account without paying an additional {$1000.00}. I reiterated that I felt this was unfair and told her that I would need to speak to somebody else and that I would call her back before month end. I asked XXXX XXXX to please change the date for {$3000.00} on XX/XX/XXXX and she said she would. 

I soon received an email ( # XXXX ) from UCB showing {$3000.00} deducted for the correct date of XX/XX/XXXX to include the following verbiage, " On XXXX, UNITED COLLECTION BUREAU , INC. agreed to accept the sum of {$7500.00} '' The password required to open the PDF documents is XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX   messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more  payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my rent was stolen from XXXX XXXX XXXX XXXX in XXXX WA. I called XXXX XXXX to have my money order traced and alerted them it was stolen. I received paperwork from them to file a case, XXXX, for a stolen and forged money order on XX/XX/XXXX. They money order is for {$810.00}. The apt mgr, XXXX, filed a police report and that case number is XXXX. I was could take 90 to 120  days. I called XXXX XXXX in XX/XX/XXXX and spoke with XXXX and was told to call back XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX and XXXX said they had not heard back and refiled my complaint with bank that cashed check. I called back XX/XX/XXXX and XXXX told me to call back XX/XX/XXXX. I called back XX/XX/XXXX and XXXX said they had not heard back from bank and refiled complaint with bank. I called XX/XX/XXXX and XXXX said they had heard nothing from bank so I filed complaint with WA State Atty office XX/XX/XXXX. The file is XXXX and contact was XXXX XXXX. They were unable to get response from TD bank either and referred me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 ICS Collection Service/XXXX XXXX was mailed a certified letter requesting that account # XXXX be validated under the FDCPA, that I, XXXX XXXX XXXX had a contractual obligation to this debt that is being reported to XXXX. 

Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ). 

To date, ICS Collection ServiceXXXX XXXX has not responded to my request for validation with any of the aforementioned documents. ICS Collection ServiceXXXX XXXX has failed to respond to my request all together. ICS Collection ServiceXXXX XXXX is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer. 

I am requesting that these debts be deleted from my credit report as XXXX has failed to prove, or validate that this debt belongs to me.