23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive told them to stop calling 2+ yrs ago. They haven't stopped. This debt collector uses a deceitful tactic, calling from a different number every time they call, changing the last two digits of their number. Although they do this, my scam protection allows me to still see their name ( Ars ). Over the last 2 yrs, they have called 97 times. 
Subject : I rented a storage unit, signing a contract. After three years of renting, the company sold to someone else. The new owner called and told me I would have to come in and sign a new contract with them. Since the price increased, I decided I would take my property elsewhere. I never signed anything, moved my things, and they are still trying to charge me for renting the unit. I did not agree to anything sign anything and owe them nothing.
Product: Money transfer, virtual currency, or money service

I wire {$1000.00} to a person with his current Phone number XXXX XXXX XXXX XXXX named XXXX XXXX. He saw the text sent by XXXX but he does not have an account with Bank of America nor used digital transaction. I asked the Bank of America and XXXX to reverse the money back to my account but refused saying it will take 10-45 business days to complete the transaction. The money came out of my XXXX  account ( XXXX XXXX XXXX XXXX, XXXX  ) and at present time I am closed due to pandemic COVI 19. No revenue coming in to the business. That long delay will course other obligations that I need to do be put aside causing me late fees. 

This the transaction details from the Business Bank of America site. 
XX/XX/2020 Completed Outgoing Transfer Business XXXX   Chk - XXXX XXXX  - mobile {$1000.00} Actions Transfer date : XX/XX/2020 Confirmation number : XXXX
Product: Checking or savings account

A cancellation of an XXXX credit card payment {$1900.00} didn't go through and they can not stop it and will do multiple attempts ( that is what their representative said ). 
When I noticed the next day ( Tuesday XX/XX/XXXX ) that fund will be low on the Citi Bank account, I setup a bank transfer from XXXX to Citi Bank. 
XXXX did two trial deposits ( {$0.00} and {$0.00} ) and later subsequent debits on the Citi bank account on XX/XX/XXXX, to establish connection so I can transfer funds. 
On the same day ( XX/XX/XXXX ) XXXX deducted {$1900.00} for credit card payment. 
Also on the XX/XX/XXXX since I now can transfer fund from XXXX to Citi, I initiated transfer of {$1900.00} from XXXX to Citi. 
On XX/XX/XXXX the funds from XXXX got to Citi bank checking but the XXXX charge was returned and an overdraft fee was applied. I contacted Citi bank right away and they waived the {$34.00} overdraft fee. 

This morning XX/XX/XXXX I noticed an overdraft of {$68.00} on the Citi bank account. I reached out to Citi customer service and they said that was for the two trial debits while the account was overdrawn. I tried to explain that I dont ' have control when banks debit amounts and that I tried to fix it by transferring funds to the Citi account. 

Today XX/XX/XXXX Is see that XXXX now charged {$1900.00} again and because of the {$68.00} overdraft fee I am overdrawn again. The representative this morning said I may get another overdraft charge the next business day.
Product: Debt collection

These people threatened to put this on my credit when I told them that it was not me that opened it. They put it on my credit as late payments as well as into collections. This brought my score XXXX  points down
Product: Debt collection

Hi, On XX/XX/2021 Miramed Revenue Group placed a Collection item on my Credit Report for the amount of XXXX. 
I have NEVER EVER received a collection letter from this or any other entity regarding a medical bill for XXXX. 
I asked for any proof what-so-ever of debt or a copy of a bill sent to me and they were not willing to provide. The rep I spoke to admitted that they had the wrong mailing/billing address on file. 

It is not Okay to place an account in collection on a Credit Report without giving a chance for the customer notice of, chance to review or pay the claim. 

I kindly ask that this item be removed from my Credit Report ASAP.
Product: Consumer Loan

Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX. I consolidated all of my debt into a debt program. They would not agree to the terms set forth and after sending a few months of payments that did nothing to bring down the amount owed, I did not pay them anymore. I spoke to them at one point after the amount due reached {$750.00} on a {$300.00} credit card. They would not come down on the amount and I would not pay for a card that I only spent {$300.00} of. Now I am getting letters from attornies stating I am about to be sued by XXXX XXXX who I am learning is collecting for them.
Product: Credit card or prepaid card

I proactively paid my XXXX bill on the XXXX of the month. However, this evening I received a notice that my statement was ready. When I looked at it, the payment had been applied but not to the minimum due. The payment is also due TOMORROW. I already paid more than my monthly payment, and they told me I have another payment due that must be submitted within 24 hours or I will incur a late fee. This a scam.
Product: Credit card or prepaid card

I've sent several letters out to Discover and they refused to remove the item. I am attaching it NYPD police report with hopes that this can be removed ASAP with the assistance of the CFPB.
Product: Mortgage

For the past 5 years or MORE, I have gone to this company 's website MULTIPLE TIMES, to be removed from their mailing list. I've gone to all 3 credit Bureaus and made sure that I don't receive unsolicited mail based on my credit. I'm on the National Do not Contact lists. I complained to the XXXX  MULTIPLE times. I sent this company a CERTIFIED Cease and Desist letter to STOP contacting me two or three years ago. And I'm STILL receiving unsolicited mail. 

I want this to STOP. After a few months of receiving nothing from this company ( YAY! ), they're back at it again. Received three mailings in the past two weeks. 

In addition, the way the letters are designed is borderline predatory to XXXX and XXXX. Stamping things like " Final Notice '' and " Response Needed/Required '', in addition to using a " Rear Admiral '' to gain trust.
Product: Mortgage

ON XX/XX/2019 I WAS FRAUDED FOR THE AMOUNT OF XXXX. A PERSON BY THE NAME XXXX XXXX STATING THAT HE WAS FROM THE LOAN MODIFICATION DEPARTMENT FROM M AND T BANK MORTGAGE COMPANY. HE STATED HE WAS REACHING OUT TO ME REGARDING THE LOAN MODIFICATION REQUEST I HAD LOOKED INTO A SHORT TIME BACK. HE STATED THEY WERE ABLE TO HELP ME WITH THE LOAN MODIFICATION AT THIS TIME. HE STATED THAT I HAD TO PAY THE ESCROW FEE OF XXXX IM LIEU OF THE REGULAR PAYMENT. THEN THEY COULD PROCEED WITH THE MODIFICATION. AFTER SPEAKING WITH HIM FOR A SHORT TIME HE ASKED WHAT WOULD BE A REASONABLE PAYMENT AND I TOLD HIM ABOUT XXXX A MONTH. SINCE I AM ON A RETIRED INCOME BUDGET. HE SATED THAT HE COULD LOWER THE PAYMENT TO XXXX MONTHLY. THAT THE FIRST 3 PAYMENTS WOULD BE THE TRIAL PAYMENTS AND HAD TO BE ON TIME. AFTER SPEAKING WITH HIM I CALLED M AND T BANK USING THE NUMBER I HAVE ON MY PHONE AND VERIFIED THAT IF SOMEONE FROM THE MODIFICATION DEPARTMENT CALLED ME A N EMPLOYEE FEMALE STATED YES THAT THEY DO CALL OUT AND REACH OUT TO CUSTOMERS. SO I PROCEEDED WITH EXCITEMENT THAT IT WAS /HE WAS LEGITIMATE. I MADE THE FIRST PAYMENT AS STATED ABOVE. HE ALSO STATED NOT TO MAKE THE REGULAR PAYMENTS THAT THE NEW AMOUNT WOULD BE THE NEW PAYMENTS. WHEN I WAS GOING TO MAKE THE SECOND PAYMENT SOMEONE TOLD ME THAT A MORTGAGE COMPANY WOULD NEVER ASK FOR A MONEY CARD TO MAKE A PAYMENT. SO I CALLED M AND T BANK THE MODIFICATION DPARTMENT AND THEY TOLD ME THEY HAD NO LOAN IN PROCESS AND THEY HAD NOT RECEIVED THE PAYMENT. I SPOKE WITH A XXXX A THERE AT THE REAL M AND T BANK. AND EXPLAINED I WAS A VICTIME OF FRAUD AND IF THEY WOULD WORK WITH ME. ALTHOUGH THEY WERE SOMEWHAT SYMPATHETIC, THEY SAID I HAD TO PAY TWO PAYMENTS BY END OF XXXX TO AVOID FORECLOSURE. SINCE THEN I HAVE FILLED OUT AND MAILED A MODIFICATION PACKAGE ON XX/XX/2019 AND SET UP THE PAYMENT FOR XX/XX/XXXX FOR THE TWO MONTHS. I ASKED IF THEY COULD PROCESS THE PAYMENT N XX/XX/XXXX THAT I WOULD HAVE THE MONEY NEEDED IN BANK BY THEN. THEY SAID NO THEY COULD NOT WAIT UNTIL XX/XX/XXXX. THAT I HAD TO HAVE THE PAYMENT BY XX/XX/XXXX. I FEEL SINCE I WAS A VICTIM OF FRAUD THAT THEY COULD WORK WITH ME ALL I NEED IS TIME TO CATCH UP THE PAYMENTS. THEY WERE NOT AS SUPPORTIVE AS I THINK THEY COULD BE.UNDER THESE CIRCUMSTANCES, I AM FILING THE COMPLAINT BECAUSE I BELIEVE THEY COULD WORK WITH ME TO CATCH MY PAYMENTS UP UNDER THESE TERRIBLE CIRCUMSTANCES I TAKE FULL RESPONSIBILITY THAT I MADE A MISTAKE AND WAS FRAUDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Essex Mortgage XXXX Data Mortgage IncXXXX is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact Essex Mortgage for help / assistance. I depended upon Essex Mortgage to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact Essex Mortgage several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from Essex Mortgage / Data Mortgage Inc . 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. Essex Mortgage continues to state that these inaccuracies are accurate, but they are not!! My account was in a 12-month forbearance, and when the 12-month forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from ESSEX MORTGAGE EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED ESSEX MORTGAGE ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until Essex Mortgage changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines.

XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXX XXXX  XXXX # XXXX COmpany NAme : XXXX XXXX XXXX : # XXXX COmpany Name : 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 that a consumer reporting agency can not furnish an account without my written instructions.

>15 U.S.C 1681c ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

>15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i noticed continued same banks inquiry XXXX  XXXX  XXXX  on XXXX, and again on XXXX XXXX, and again on XXXXXXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with job and family services is XXXX XXXX XXXX and has not had a balance in over 10 years and is 6 years past the statute of limitations for reporting closed accounts. 

Can a competent human DELETE THE ACCOUNTENTRY?
Product: Credit reporting or other personal consumer reports

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number : 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. These accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF Intent to FILE LAWSUIT To Whom It May Concern : This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law.     The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done.      Im sure  you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you.     FCR A 1. 623.  Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute .    2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information.      FDCPA  1. 805 . Communication in connection with debt collection  [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The foll owing items must be deleted from my credit files with the  XXXX  major credit reporting bureaus  (   XXXX ,  XXXX ,  XXXX   XXXX  and ) within 72 hours or by  XXXX   XXXX ,  2017  and you forward a Letter to me via email stating they have been removed and will not reappear on my credit reports again by you or another collection agency.     Please be aware if these accounts are not deleted by   XXXX   XXXX   ,2017 , I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The Georgia State Attorney General, The and the Better Business Bureau. Thank you and I look forward to resolving this most expeditiously.
Product: Debt collection

I am 30-59 days late on my payment with the credit card company. I had unseen events that come up that I had to rearrange money around to pay for the past couple of months. I have received multiple phone calls a day from this company but never received anything in the mail or by email. I have mailed a letter to the company asking to be only contacted in writing. Most recently I have received 3 phone call in a 1 hr and 33 minute time frame from this company I received a phone call at XXXXXXXX XXXX, XXXX XXXX. and XXXX XXXX  on XX/XX/2022 only. Comenity Bank then they proceeded to contact both of my parents as well on different phone numbers trying to get a hold of me. My parents do not live with me and I have never put them down as people who are allowed to be contacted on my account. They call on average 3-4 times a day every single day and those are only the times that I am aware of as I do also receive multiple no caller id phone numbers as well.
Product: Bank account or service

1 ) Like millions of XXXX, we are subject to take the Required Minimum Distribution ( RMD ). We received a check from our pension fund manager and deposited it with Citibank on XX/XX/XXXX. Of the total of almost {$45000.00}, only {$8000.00} was immediately available. {$200.00} became available on XX/XX/XXXX {$400.00} on XX/XX/XXXX, {$4400.00} on XX/XX/XXXX and {$31000.00} on XX/XX/XXXX. Citibank earns interest on our money by delaying deposit to our account. How do they establish the formula for how much money becomes available immediately? Why, if the payor is a reputable, well financed institution, do they get to delay the money becoming fully available to us as their depositor for six days? Multiply this by every pensioner receiving an RMD and the banks are XXXX their depositors and making out like bandits.
Product: Debt collection

NCB MANAGEMENT WAS SOLD THIS DEBT BY XXXX XXXX XXXX XXXX WAS SUED FOR FCRA VIOLATIONS. XXXX WAS SUPPOSE TO REMOVE THIS DEBT OFF OF MY CREDIT REPORT AND IT HAS NOT BEEN REMOVED BUT SOLD TO XXXX XXXX. 
THE AMOUNT OF THIS DEBT IS {$17.00}, XXXX. 
This is not supposed to be on my credit report This has bought me great stress.
Product: Credit card

Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.