23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.
Product: Debt collection

Dear Atlantic Recovery Solutions LLC, I am writing to formally address the numerous phone calls and text messages I have received from your company regarding an alleged debt to XXXX XXXX XXXX. I want to bring to your attention that these communications are not only unwarranted but also threaten legal action, which is illegal under California law. 

I am demanding that you immediately cease and desist all communication regarding this matter. The debt in question has been disputed with XXXX XXXX XXXX due to services that were promised but not delivered. As a result, I consider your attempts to collect this alleged debt to be both misleading and unethical. 

Furthermore, I have come across numerous complaints from other individuals regarding similar practices employed by your company. This pattern of behavior raises serious concerns about the ethical standards you uphold in your debt collection practices. 

If communication does not cease immediately, I will not hesitate to seek legal remedies available under the Fair Debt Collection Practices Act ( FDCPA ). 

Please acknowledge this request and ensure that all future communications regarding this matter are halted. I expect a prompt response confirming that my demand has been received and acted upon. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.
Product: Credit reporting or other personal consumer reports

I am requesting the correction of 30, and 60 day late reporting on my credit. Audi Financial Services failed to set up autopay, resulting in money not being withdrawn from my bank account. I called in early XXXX to set up autopay and was assured by an Audi/VW finance rep that everything was in fact set up. Apparently the autopay was not set properly by one of their reps, resulting in 2 negative marks on my credit. Please see the attached letter I sent to Audi as well
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I inadvertently transferred {$5000.00} XXXX XXXX XXXX dollars ) to a closed online account i had with eToro USA LLC and I need the money refunded but have not been able to get a hold of anyone at the company. I have called the number listed on the website and it directs me to an answering machine asking I leave a message, I have done that with no response. I have emailed and opened several tickets but i get ignored and sometimes my emails bounce back. I feel like i have been scammed.The transaction confirmation number is XXXX.
Product: Student loan

Ive been in touch with this lender, CollegeAve, 10 times since this issue started. During Covid my father lost his job. I called asking if there was some way we could adjust the payments due to our income changing. He is my co-signer. They told me I could only defer it or make $ XXXX monthly payments. I wasnt thrilled about how low the only other payment option was, but I said I would go with that option. They put me on forbearance instead. The next month, when I went to make the payment, I called letting them know there was a mistake. I was told there was nothing they could do about it and I would have to wait the 6 months until the forbearance was up. I called 3 more times. I called again when they dinged my credit for a missed payment while I was on forbearance. After threatening to take legal action, it disappeared off of my credit report and student loan statement. I waited the 6 months to call again and attempt the {$25.00} option for the 2nd time ( or see if there were other options ) and was put back into forbearance. Again I was told there was nothing that could be done. My forbearance is up XX/XX/XXXX. I need an income based repayment plan. They have now added a year of interest to my balance. I was told my only option would be to refinance if I wanted something better suited for my income, but with my credit score alone I dont qualify for one. My co-signers credit has only taken a hit since not having work to pay his debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request validation of an item on my credit report. The details are as follows : Account : XXXX, Account Name : XXXX XXXX XXXX Account Address : XXXX XXXX XXXX XXXX XXXX, WI. XXXX. I was a victim of Identity theft this person was renting property and numerous crimes in my name. I was able to receive this pin because I went to the jail while she was in jail in my name. I have been down due to a car accident and just decided to review my credit report and saw all this. The last time I did anything on my credit was when I purchased my home. I lost my sister and best friend within months of each other. I was just starting to be myself again. than I was XXXX XXXX XXXX XXXX XXXX XXXX I just don't know how these people investigated. I was not born in XXXX, and I can prove that. They keep giving me numbers to call for Identity theft, but you can not talk to a representative. very frustrating I do not recognize this debt and request that Experian verify its accuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I request that you provide the following information : 1. Verification of the Debt : Documentation confirming the accuracy of the debt, including the original creditor 's name and the amount owed.

2. Details of the Debt : An itemized statement detailing the debt, including any fees, interest, and the date of the original delinquency. 
If Experian can not verify the accuracy of this debt, I request that it be promptly removed from my credit report. 
Please notify me in writing of the results of your investigation at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX a call was made to me by a rep that fraud was attempted to be committed. I was told the account would be blocked. There were a total of 6 checks that was cashed with invalid name and address. They denied it saying app was logged in the day fraud was happening. I appealed it through email and through mail. I have called of 10 times to talk to security through supervisors. Phones always disconnect me while waiting I have not received any letters of decision or able to reach anyone about this matter that know what is going on. My daughter was in XXXX college at the time which is 4 hrs away from where these checks were cashed. I am now ready to seek a lawyer at this point due to no resolution m. The bank has take my money and my daughter money out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Texas used my soc.security number fraudulently and opened an account that is now in collections on my credit report with a balance. I have filed a police report and contacted company. Also transunion and they denied my claim. Want this removed and my information not to be used.
Product: Checking or savings account

Bank of America has this " feature '' called BankOfAmeriXXXX. Essentially, you click offers for your account, then conclude a transaction in the time frame. I did so for a dishwasher from XXXX. According to BoA, XXXX performed some an auth on the XX/XX/XXXX, within the timeframe, only to " capture '' on the XXXX, outside of the time frame. I got bounced around to at least five different departments who acted like they'd never heard of BankOfAmeriXXXX The fraud department told me to file a fraud claim. Bank of America now disputes this being fraudulent, but I believe there was clear fraudulent behavior here, if not outright collusion between BoA and XXXX. 

Anywho, most of that is now immaterial, because the dishwasher I ordered was never delivered. I was given a deliver window in XX/XX/XXXX from XXXX to XXXX. At XXXX, with no delivery, I called XXXX and cancelled the entire thing. There is no disagreement that I'm owed a refund, but XXXX says they're powerless ( absurd ) without the shipper, who I have no way to even contact, sending it back. It's been literal months now. XXXX did not contact me today ( XX/XX/XXXX ), despite assurances to do so. Chargeback it is! 

Now the complaint : Bank of America claims they can't help me. They claim the only people who can help me are open during very limited hours when I'm working. They claim they're unable to send more than XXXX characters to other departments ( after about 30 minutes of me simply asking they do this ). So, basically, BoA agrees with the assessment that this is a legitimate chargeback, but that they're also allegedly helpless. It's a ridiculous assertion. How can a multi-national bank, allegedly " too big to fail '', be unable to address fraud? 

I am attempting to dispute a transaction to XXXX for {$670.00}. I remain dishwasher-less, months later. Today is XX/XX/year>.
Product: Mortgage

In XX/XX/XXXX we took out a reverse mortgage with Financial Freedom, everything went well until my husband was diagnosed with XXXX XXXX XX/XX/XXXX. He was in XXXX from that time until XX/XX/XXXX when he passed away. I had trouble trying to adjust from XXXX incomes to XXXX. About 6 weeks later I had found a job, but on XX/XX/XXXX. I was walking near my home when a car came speeding around the corner and hit me as I was crossing the street. XXXX and I had to have XXXX plus other complications. During that time my home insurance was canceled because because our hot water heater went out flooding the garage. The insurance company decided that the law of probablities stated that we could have another incident after 7 years and they cancelled the house insurance. I immediately contacted another company and put the same insurance back on my home. I set up the payments to come out of my checking account. In 20 minutes there was new insurance on my house, What I did n't know was that Financial Freedom had turned down the new insurance that was just like the original insurance and they had chosen to replace it with their own coverage which was twice the amount I was paying. I was unable to see what was happening and after several months there was a huge bill building up. So I tried again with a XXXX XXXX and the same thing happened. I am back on my feet and paying. I went to pay the taxes and they had already paid them! They never contacted me. Now I have an outrageous bill. XXXX. They are foreclosing by XXXX. ; For that amount of money I loose my home which I planned on living in til I die! I want an opportunity to pay them back and they have declined unless it is for the whole amount. Also the insurance payments should be charged at a normal rate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of two charge-off accounts on my credit report associated with XXXX XXXX. 

The account numbers in question are : Account Number : XXXX Account Number : XXXX I believe these accounts have been inaccurately reported as charge-offs. I have reviewed my records and have reason to believe that this information is incorrect. The reporting of these accounts has adversely affected my credit score and overall financial standing.
Product: Debt collection

Balance Reported : {$7900.00} Account Number : XXXX To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to XXXX XXXX. XXXX, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX  you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

CONTACTED XXXX XXXX AND XXXX ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

years ago i took out a va loan with XXXX XXXX. and they never closed it out. it has been killing my credit for years. i know it is on experian but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance
Product: Credit card or prepaid card

Only wish to pay for purchases and my bank tried to help by sending what I wed asking them to close account which they have n't done but continue to accumulate late fees.
Product: Credit card or prepaid card

I am a US citizen in XXXX. 
I have made multiple failed attempts over the course of years to change my mailing address for the Comerica Bank Direct Express program. Now my card is expired so I am unable to get a new one unless I can change my mailing address. In about half a dozen attempts to call from XXXX, using the numbers on the back of the card, I have never reached a human being. In an earlier attempt, I was able to reach the automated phone system but was unable to type the information requested fast enough to avoid timing out. In the latest attempt, I got a " number not in service '' message for the international number on the back of the card. I sent a postal express mail letter with my identifying documents, to their address over a month ago, but have received no response. 

How are people who have difficulty with phones ( like me ), or have calling plans that don't allow for international calls ( like me ) supposed to manage their Direct Express accounts with no other means of contact? If phones are the only allowed means of contact, there should be human operators who answer every call right away. Making contact so difficult smacks of deliberate intent to hold the money. 

Over two years ago there was a failed ATM transaction that was deducted from My account. I have been unable to report it to initiate a resolution. 


P.S. I wonder what became of the letter I sent containing the copies of identifying documents ; was it just thrown in the trash leaving the documents for any trash collector to find?
Product: Debt collection

I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX  account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. I'm not using any third party for this matter and I represent myself by myself. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : 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 unauthorized inquires must be removed. 
Enclosed : Copy FTC Report, copy of XXXX, copy of ID, proof of address.
Product: Debt collection

West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me