23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against two collection agencies, a Crown Asset Management , LLC, as well as a XXXX, XXXX XXXX XXXX. 

This XXXX, XXXX XXXX XXXX is claiming that they are collecting a debt for this Crown Asset Management , LLC, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company Crown Asset Management , LLC, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX XXXX XXXX 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point. 
I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before Crown Asset Management LLC passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account in XXXX I know because I bought something for my truck and then it got repo and I have proof when it got repo and it's saying I opened it in XXXX there two other credit cards saying they opened in XXXX and they were opened in XXXX instead of being close to get off my credit it's saying it's only XXXX XXXX XXXX I dispute them and the creditors wrote a negative remarks under each report, and I keep calling them and I'm getting no response I don't to pay them if there the problem but I'm trying to buy a house for me and my kids so I need these issues solved to get off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX  XXXX reference # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a XXXX XXXX  account balance {$4700.00} There is XXXX XXXX  Balance {$1200.00} and there is XXXX XXXX with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.
Product: Debt collection

this is a formal complaint against XXXX XXXX XXXX XXXXXXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : XXXX XXXX XXXX XXXXXXXX * Account Number : XXXX Nature of Complaint : 1. Lack of Written Notification : XXXXXXXX XXXX XXXX XXXXXXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 
2. No Contract or Business Relationship : I have never engaged in any business with XXXXXXXX XXXX XXXX XXXXXXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 
3. Inaccurate Reporting : The account information reported by XXXXXXXX XXXX XXXX XXXXXXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 
4. Unauthorized Credit Report Entry : XXXXXXXX XXXX XXXX XXXXXXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXXXXXX XXXX XXXX XXXXXXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Checking or savings account

I received a text from BofA asking if I sent XXXX XXXX {$3400.00}. I immediately replied " NO '' and I received a call from BofA. I was at work, so I really didn't think twice. They acted just like a rep, and they asked me for my social, username and password. I did as they asked bc I really did believe they were a rep. They assured me they were freezing my account and the funds will be returned and they will call me the next day. The next day came, and they called me again, they needed to get my information again in order to finish the process and that is when I noticed another {$3400.00} withdrawn after the call was over. I called back the number they called me on, and the number directed me to BofA and it was a legit rep. The rep did not see any calls or notes made with me and they said I was scammed. I have been following up with Bank of America as much as I possibly can. They take no less than 1 hour and half to answer everytime. On XX/XX/22 I received a letter saying they will not approve my claim. I called them waited almost 3 hours and they said they are still waiting on " XXXX XXXX  '' to see if they can reverse the unauthorized XXXX transaction. The rep said Bank of America will not be able to give me my money unless XXXX XXXX returns it and that may not happen. Before this incident I was not aware of this type of scam it was after I started receiving emails of " scam preventions. '' The scammer got access to my banking, went in and made two XXXX transactions totaling {$6900.00}. The recipient used my last contact 's phone number to make the account connect to XXXX, using XXXX XXXX  so it looks like I made the transaction to him, I DIDNT! The name on the account shows XXXX XXXX. I called XXXX XXXX to see how is this possible and they did assure me if someone has an ID, Social, ect they can create an account online. I do not understand how banks can't insure someone's hard earned money! I work overtime and save just so someone can come through and steal that from me. There is no way I can lose {$6900.00} just like that... Please help!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX inaccurately reported hard inquiries on my credit report. 

Remove the following hard inquiries from my Transunion, XXXX and XXXX credit reports immediately! 

The hard inquiries below were reported as soft pull inquires that I do not recognize and Transunion, XXXX and XXXX inaccurately posted them on my credit report as hard inquiries that are not mine. 

Soft pull inquiry errors, inaccurately reported as Hard Pull inquiries that i do not recognize, that must be deleted - XXXX. ) XXXX XXXX - XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 XXXX ) XXXX XXXX XX/XX/2023 XXXX. ) XXXX XXXX XXXX XX/XX/2023 XXXX. ) XXXX XXXX XXXX XX/XX/2023 XXXX. ) XXXX XX/XX/2023 XXXX. ) XXXX XX/XX/2023 Cc : FTC Report # XXXX Cc : Attorney Generals office Cc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Also, see uploaded screenshots/ document. Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. Or I reserve the right to sue under the Fair Credit Reporting Act and Metro 2 Deletion of soft pull inquiries inaccurately reported as hard inquires that I do not recognize.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1XXXX XXXX XXXX 2.Portfolio Recovery As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and I noticed there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted from my Equifax Credit report : XXXX. XX/XX/XXXX
Product: Credit card

XXXX ) I opened an XXXX XXXX chase credit card in XX/XX/year> and by XX/XX/year> I spent more than the {$4000.00} spending limit required in order to be eligible for the spending bonus. The requirement was to spend $ XXXX within 3 months of opening the card to earn XXXX free nights of stay at XXXX XXXX. 
XXXX ) On XX/XX/year> I called Chase customer service to enquire if I met the spending limit since there was no tracker in Chase app to check if I met the limit. The customer service person said I spent {$4000.00} and meet the spending requirement for the bonus. When I asked them why I did not get the bonus after meeting the limit they told me it would be available within 6-8 weeks. 
Side note : I checked my call log and see that I called chase on XX/XX/XXXX and XX/XX/year> but dont remember the exact date when I called them to talk about this. I do know it was between XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) On XX/XX/year> I called Chase to ask why I did not get my bonus and they then said that I only spent {$3900.00} and do not qualify for the bonus. When I told them that Chase customer service confirmed earlier that I had met the limit, they said that was probably because the previous agent did not account for the fact that the {$100.00} membership bonus is not included in the minimum spend limit. I asked if there was anything they can do to extend the deadline or compensate for the fact that I missed my bonus because of the misinformation they provided, they refused and said the limit was a hard rule. 
XXXX ) I then asked to speak to a supervisor who said that they would file an escalation request and provided me with a request number. They said they would review the case and asked me when I last called Chase. I provided the information and they said I would get a call or email with an update. 
XXXX ) On XX/XX/year> I called Chase again for an update on the case. They told me that the case was closed on XXXX XXXX and i was not eligible for the bonus. I never received a call or email with an update. When I asked for the reason they simply said I did not meet the spend limit. When I asked if there was anything else they can do, they said they would provide training to the agents who allegedly misinformed me but said there would be no compensation.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX I 've recieved an e-mail that my deposit was reverse ( Coinbase ) but now I still have n't got my funds back! My bank says there is nothing coming as well. 

Now the XX/XX/XXXX and still no funds back XXXX + XXXX
Product: Student loan

I have been in a hardship program with Navient since 2012. I have been making payments without fail every month for almost 5 years. Despite this, it was reported to the credit reports that I am in default and because of this I am unable to get a mortgage. Additionally, I was XXXX last year, and when I called Navient to see about postponing my payments, as I would be on short term XXXX for the duration of my leave, I was told it was impossible. I had to choose between paying Navient or paying my electric bill. It is unfathomable that people who reached the goal of a degree but can not make ends meet. I hope that something can be done for people who are struggling to pay back loans and have a family.
Product: Student loan

A student loan was obtained from XXXX XXXX to fund my XXXX college education. The original loan amount was for {$28000.00}. We have been making larger payments to reduce the principal amount and pay the loan off as quickly as possible. Each time a payment is made and we call the XXXX number the information received is not accurate. First we were told that if the payment was more than the interest amount due any additional amount would be put toward the principal amount. We noticed that this was not happening and called back and they told us the account needs to be set up on auto payment to have the additional amount reflect in the principal. I called on XX/XX/XXXX to inquiry why the balance is not going down and XXXX stated that the extra amount is paid forward to the interest for next month. Why.the purpose of making additional payment amount is to reduce the loan. If you put the extra amount toward the next months interest, you will never pay the loan off. 
Regardless of the above scenarios different things have happened with the payments. It is truly very inconsistent. For example ; On XX/XX/XXXX the payment amount that was due is {$270.00} which was paid. An additional payment was made for {$2000.00} the next business day. {$150.00} was held for interest and {$1800.00} was applied to the principal. ( The account was not on auto payment ) On XX/XX/XXXX a payment for {$300.00} was made. The accrued interest was {$160.00} ; the difference of {$130.00} was added to the principal. ( The account was not on auto payment ) On XX/XX/XXXX the accrued interest was {$220.00}. A payment of {$300.00} was made and nothing was applied to the principal balance. 
On XX/XX/XXXX the accrued interest was paid and the remaining amount went to the principal amount. 
My goal is to pay back my student loan but the inaccurate and inconsistent way that the loan is handled does not make sense mathematically nor is their reason for how the payments are applied. I have called XXXX XXXX customer service area about every other month to discuss the discrepancies in the account. The phone representatives truly do not understand the complexity of the account and the manager NEVER takes the call. The associate on the phone is asking questions and then relaying the message. You will never get an accurate answer. It is really disappointing that a company can practice this type of behavior which ultimately affects the lives of people. Shame on you..
Product: Mortgage

I received an Escrow Statement Document from Caliber Home Loans on XX/XX/XXXX informing me that I was going to have a negative balance of {$2800.00} in my escrow account, and my mortgage payment would go from {$1200.00} ( with {$270.00} going towards escrow ) to {$1500.00} ( with {$330.00} going towards a new base escrow due to a legitimate shortage from increased county taxes, as well as {$230.00} to make up for the escrow shortage ). I had, over the course of my mortgage life ( 1 year ) put {$3300.00} towards escrow. The actual payout, should have been {$4000.00}, however the document indicated was short {$2800.00}. This was due to a scheduled tax payout in XXXX as well as additional " pillow '' for the escrow. 

I called them on XX/XX/XXXX and spoke to a customer representative and we finally figured out it was because they paid my county taxes of {$1900.00} on XX/XX/XXXX, but in XXXX, they updated their internal servers/system and it reset to unpaid and due in XXXX. They transferred me to their tax department, who at first declined the error, but after lots of back and forth, came to the same conclusion and confirmed that my taxes were indeed paid out on XX/XX/XXXX. 

They indicated that they would have to open a " research file '' and it wouldn't be completed until XX/XX/XXXX, and a new Escrow Statement Document wouldn't be completed until XX/XX/XXXX, at which point they would mail me a new one, that would indicate what my mortgage should actually be. They said that if I did not receive it before my XXXX due date of my next payment ( I am 1 month ahead since starting my mortgage payments ), I would have to pay the full billed amount of {$1500.00}. 

As well as not updating their systems accurately, I am unable to access my full payment history online. I am only able to access since XXXX, following their system switch.
Product: Checking or savings account

We were working with a lender, XXXX XXXX, supposedly with XXXX XXXX XXXX XXXX XXXX, for a property loan, 100 % financing, and he requested {$1200.00} to start the loan process. On XX/XX/XXXXXXXX  I wired the funds to XXXX, XXXX XXXX listed on wire transfer information. He then started asking for more money and we knew something wasnt right, so I asked for our money to be returned as we were not going to move forward with his loan. He said it would take 7 days to return the funds. After about 10 days, I contacted him, he said to wait until after the holidays, and after that he said he was going to keep {$600.00} for the work he already started with our loan. I have signed documents that state the {$1200.00} is refundable, we never received any services from him or any money. I called my bank to request the funds back, they attempted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with no resolve. I contacted XXXX again, he said he returned the complete funds, which was a lie. We have been without {$1200.00} since XXXX, and this guy is literally giving us the run around, even though we have signed documents stating the {$1200.00} was refundable. I dont want anyone else to experience this scam, and we need our money back.
Product: Credit card or prepaid card

Just open a XXXX credit card. Got my first bill paid it, second bill never came never got the card, I called noone answers. 

I went to different stores the all tell me to call them.
Product: Consumer Loan

In trying to turn in my XXXX lease to XXXX different XXXX dealers I was rejected by all of the because Honda Financial incorrectly advised the dealers that my lease was 42 months and was n't at the end so to not take the vehicle back. Honda Financial also returned checks for payments and reported them past due. This negligence is still haunting me many years later through incorrect and updated credit reporting. They never responded to the letter attached, fixed their errors, or apologized to me. I have also filed disputes 4 times in the last year with the credit bureaus and they continue to ignore the issue and dont reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a 3rd party debt validation letter to NCB Management Services Incorporated requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$2300.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), NCB Management Services Incorporated has failed to validate this alleged debt. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.