23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a email warning from my bank on XX/XX/XXXX, and found a new collection against me was submitted on XX/XX/XXXX. I logged in my XXXX account and found a company called Procollect Inc did that. They claim that I own {$2200.00} to XXXXXXXX XXXX XXXX XXXX, and date of first delinquency is XX/XX/XXXX. I never heard the name of this apartment before, and believe it's a identity theft. I filed dispute with all three credit bureaus last night. I called Procollect Inc this morning, the representative told me that I co-signed for another person. I told him that I never lived in that apartment, and never heard about the apartment, I also don't recognize that person 's name. But he didn't want to listen to me. He just asked for my credit card to pay the debt, and said otherwise will sue me. I tried to ask him who is XXXX XXXX XXXX XXXX, he refused to answer and asked me to XXXX, but XXXX returned multiple XXXX XXXX XXXX in different states. When I was trying to ask question about dispute, he hanged up when my question was still in middle. Sigh, what a bad day. Could you please help me? I really need you help, thank you very much! 

Here is information of Procollect Inc : Procollect , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Phone : ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

Purchased lawn equipment through XXXX they offered to apply for their no interests same as cash thru WHY NOT LEASE IT program. Highway robbery. As, the loan has come to an end we have had trouble with the buy out amount. It changes with their excessive fess and interest every time i try and buy out. I have tried taking my card off the on line account so they don't take any more money but website doesn't allow you to do that.It makes you speak to a representative and you are practically forced to go through the whole buy out process again. if you don't buy out your put on monthly you cant afford with excessive absurd amount of fees until you can buy out which are EXCESSIVE but, when they have access to your debit card and bank info you have no choice. Which you provide at purchase in order to apply for their program at XXXX stores. XX/XX/XXXX the merchandise was purchased for XXXX. To date XX/XX/XXXX they have collected a total of XXXX. After arguing and demanding them to stop and telling them i will file a complaint I still had to pay another amount to buy out of XXXX today. Which now comes to a grand total of XXXX. I am so disheartened that this company is allowed to business in the us. Help us!!!
Product: Credit card

I first got a VS card with the bank comenity and I used it yes I had an outstanding payment of over XXXX XXXX XXXX XXXX which is Im not sure absurd or Im not remembering how much late fees were but come XXXX I paid in full and I do have proof of this payment all the money I owed, now I go on my credit report only to see I owe XXXXXXXX XXXX in late fees, now mind you once I paid off this card I wasnt able to use it because they had it locked after I made the payment. When an agent called me days ago she said the late payments were for a purchase which was a lie because I have yet to be able to use this card again and it still has its available XXXXXXXX XXXX credit limit. I reached out again to be more non hostile about this only to be told, that now its because they had returned XXXXXXXX XXXX from the last payment I made, so yes I did ask for a supervisor only to be told I can not speak to one of have to call back, now Im not sure what is going on over there but i did inform the agent that if nothing was to be done or a supervisor wasnt called I was going to sue because you do not and I repeat do not!!! Just decide to give back XXXX XXXX on a full payment that was indeed taken because I have the records, and make me pay more money for a card that was locked and has not been used, my father is a lawyer I know. Now Im coming here because this is ridiculous
Product: Debt collection

A collector at Client Services lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called Client Services in XX/XX/2023 to begin a payment plan that month. But I called them again prior to the XX/XX/2023 due date as I needed the plan to begin on XX/XX/2023 instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that Client Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for collectors to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. Client Services used intimidation and deception so that I would believe I had no right to decline their terms.
Product: Credit reporting or other personal consumer reports

It's showing inconsistent delinquent account on my XXXX and experian credit report. i went on my account on XX/XX/year> and noticed 4 delinquent account reported by XXXX XXXX XXXXXXXX for one in the amount of {$12.00} and the other in the amount of {$13.00} with these accounts XXXX i had already paid these accounts and was Never Late so the delinquencies are inaccurate and not complete and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of XXXX  and UPGRADE reporting false information on my credit reports. I disputed these accounts with XXXX, XXXX, and XXXX, and the bureaus failed to update my report. I included these accounts in bankruptcy and they are still reporting a balance. Also, I have fraud inquiries on my reports the inquiries are as follows : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021. I did not give these companies permission to run my credit. I don't know how they got my information.
Product: Bank account or service

I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.
Product: Student loan

Re : Scam email, Exposed NAVIENT Personal Account Information. 
NAVIENT is not protecting my personal account information. I received an email from : XXXX, requesting I call to complete an application for loan forgiveness. 
The contact phone number given is XXXX. 
The email instructed me the call to speak with XXXX XXXX. 
I did not apply for loan forgiveness, ever. 
I have not contacted the sender of the email, nor have I called the phone contact number listed in the email. 
By not securing and protecting my personal account information NAVIENT and, or the private lender, or private university has exposed me to probable future attacks from those seeking to perpetrate criminal acts on the elderly.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.
Product: Checking or savings account

On XXXX a withdrawal of {$40.00} was made from our account at a Chase bank. It was not done by either person on the account and neither of us has lost our debit card or our IDs. The person was allowed to withdraw money without having even having the account number. When we saw the withdraw that day we called customer service and we were told we needed to go into the branch but they would not tell us which branch so we hung up and called again and the second rep told us which branch. On XXXX we went into the branch to file the claim and we were told that anyone could take out the money without ID, it just depends on the teller. They said they would get back to us in 5 business days and for us to take the money out of the account until there was a resolution. They also told us that we would only get to see the footage if we filed a police report. We filed the police report with the XXXX XXXX county sheriff. On XXXX they charged us a {$12.00} fee because our balance was below XXXX since they told us to take the money out. We called Chase back on XXXX and they told us it would take 30 days and that we would not get the fee reversed. And on XXXX we called them again for an update and we were informed that our claim was denied because the signature on the withdrawal slip was similar. They did n't even bother to call us. The teller said no cameras were checked and they only went off the signature. So this person walked in with no ID, no proof of address, no account number and walked out with our money and Chase wo n't even check the cameras but they will charge us a fee for doing what they recommended.
Product: Checking or savings account

On XX/XX/23 My cash app account was closed and I had {$5800.00} in my account. I cashed out to my bank account but my bank denied it because there's a {$1000.00} deposit limit. My bank sent the money back to cash app. Since they closed my account the money is stuck in limbo. Cash app refunded me the {$75.00} fee with the subject " missing deposit '' cash app have ignored my calls and closed my case and I've opened the case again. They refuse to give me my money. I have documents from the bank proving the deposit was sent back to cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium funds and XXXX XXXX are reporting the same debt on my credit file. They are double reporting and this is a violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPORTANT : I HAVE RECENTLY LOOKED AT MY CREDIT REPORT & NOTICED THAT THERE NUMEROUS FRAUDULENT ACCOUNTS. I HAVE CONTACTED EQUIFAX OVER 40 DAYS AGO. I ALSO PLACED A POLICE REPORT AND FTC AFFADVIT XXXX ALL BY XX/XX/2023. EQUIFAX HAVE ONLY RESPONDED BACK STATING THAT THEY ARE ONLY GOING TO PLACE A BLOCK ON MY CREDIT REPORT BUT THEY DID NOT REMOVE THE FRAUDULENT ACCOUNTS. THE OTHER 2 MAJOR CREDIT BUREAUS HAVE REMOVED THESE FRAUDULENT ACCOUNTS. EXCEPT FOR EQUIFAX. THEY HAVE DISREGARDED FEDERAL LAWS NOT RESPONDED OF AN INVESTIGATION IN 45 DAYS. THIS HAVE NEGATIVELY AFFECTED MY LIFE. PLEASE REMOVE FOLLOWING ACCOUNTS : XXXX/ ACCOUNT # XXXX XXXXACCOUNT # XXXX XXXX XXXX/ ACCOUNT # XXXX
Product: Debt collection

XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.
Product: Mortgage

I have a problem again with this company. Since they took over my loan over a year ago they have not once collected an automated payment. I then managed to pay a backlog of payments and a agreed a plan with them however they again failed to auto-draft my payment citing the fact that they would not do this while the account is in arrears. I then sent a cheque to there payment centre that they have not cashed. I now have a foreclosure notice from them and have been try to contact them. Emailing constantly and despite them being received they are now being deleted without being read. I have left message after message by phone and email with their representative without a response. I have the full amount of arrears in my bank account to pay and have continued to ask how I am supposed to pay this if they wont auto draft the money or cash a cheque. Please help as this situation is quite ridiculous. The loan is with ( Loan # XXXX ) I am concerned that they are deliberately trying to foreclose on my property through not collecting my payments. 
Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Bank Of America very craftily has come up with a way to circumvent the FCRA. By allowing you to open a banking account, depositing funds and then closing your account cite a statement in their terms of service that says they may end the banking relationship at any time. This is a blatant violation of the FCRA which clearly states banks must provide a clear reason for denial and provide what they use to make the decision for denial Bank of America is also violating anti-discrimination laws. With language as they have written in their terms of service such as : we may end the banking relationship at any time, they have absolutely no proof accounts are not being closed based on discriminatory information, or practices. By not providing clear letters stating the reason for denials or closure and what information was used in making those decisions
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior CFPB Case # XXXX Due to AES paying off my sons student loan and cancelling his ACH in error his account went delinquent. This was corrected with all 3 bureaus in XX/XX/2017 but I just received a notice that XXXX and XXXX are still showing that the XX/XX/2017 was 60 days delinquent. 

This company is horrible-My next step is to hire an attorney to verify that this company has the correct chain of title. I will want to see the original notes-assignments from each sale and note endorsements to prove that they are the legitimate owner!!!!!!!!!!!!!! I truly believe that they will not be able to locate what is needed to prove that they own these accounts. 

This has been a total mess for over a year and now I want compensated for wasting all of my time with this incompetent company!!!
Product: Credit reporting

I mailed off a letter to the credit reporting company with a tracking number and my mail has been sitting at the XXXX also mailed to the XXXX in XXXX Texas and the reporting company still have n't picked up my documents. How am I to adequately dispute the inaccuracies on my credit report if Experian will not pick up there mail that has been sent through the usps using certified letters. Also the mail is being delivered at the XXXX that has designated to sending consumers disputes.
Product: Credit reporting or other personal consumer reports

there is incorrect information on my report addresses XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX there is also inaccurate inquiries on my report 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
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors and these inquiries are not mine.
Product: Credit reporting or other personal consumer reports

I have discovered that a collection account from Credit Collection Service has appeared on my report as of XX/XX/2023. I wish to state unequivocally that I have never entered into any contract or business agreement with Credit Collection Service, nor have I had any dealings with its original creditor, XXXX XXXX. 

To my knowledge, this debt is entirely unfounded, and I have not received any documentation or communication from Credit Collection Service that would substantiate this claim. There has been a complete failure on their part to provide any evidence or documentation confirming that this debt belongs to me or is valid. 

Given the absence of any such proof and my certainty that I have no association with this debt, I believe this entry is a significant error, unjustly affecting my credit score and financial standing. 

Under the Fair Credit Reporting Act, I am requesting your immediate intervention and a thorough investigation into this matter. It is critical for my credit report to accurately reflect my financial history, free from any fraudulent or mistaken entries. 

Enclosed, please find copies of my credit report with the disputed entry highlighted. Additionally, I have notified the credit reporting agencies about this discrepancy and requested their action as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit card

I applied for card and was denied a month later IT somehow was approved after being denied and account was opened without my knowledge ans the fees and interest is being charged even though I never got a card or information on this account I assumed I wasn't going to get it being denied and a month later approved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to the 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 instructions.
Product: Mortgage

My mortgage is with Shellpoint Mortgage I am on the XXXX XXXX plan. I make XXXX payments every 2 weeks of {$2000.00} so that accounts for 2 extra payments to equal one full payment to help pay off a mortgage debt faster. ( Total monthly mtg payment {$4000.00} monthly ) The months with 3 payments are XXXX and XXXX. 
The payments I made in XX/XX/XXXX were ... XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
the first 2 payments went to the regular mortgage payment and the 3rd payment should have been applied to ... PRINCIPAL>ONLY. 
I called XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ) Each time i was told it would get re-allocated to the Principal only part of the mortgage. 
I recently found out that the first 2 calls the person did not do anything and the 3rd and 4th calls said I would have to wait until next month which i think is CRAZY! 
I should not have to call 4x for something that is supposed to happen automatically. 
This bank and this situation needs to be investigated.
Product: Checking or savings account

I opened the saving account online with XXXX and deposited {$300.00} in XX/XX/XXXX, upon opening i never received any confirmation that my account was opened and after sending email to them I got a reply that my account was open. Their customer service never answered any phones, i assumed that we do not want to deal with this bank and i left the account as is. I logged into the bank site on XX/XX/XXXX and found that they have been deducting {$10.00} every month as a service fee. We never received any bank statement from them or any email explaining that they are robbing us like this. This is a grave concern as they might be doing it to a lot of people. Please help me
Product: Debt collection

I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.