23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I was contacted by Nationwide Credit Inc stating that I owe a bill in the amount of {$220.00} regarding terminix. I contacted terminix on several attempts and as of today 's date I have never received a corrected bill from their accounting office in order to pay what is owed. Every time I call their office it is a difference amount than what is on the original bill and as of today 's date this collection is also for a different amount than what they have stated I owed. I can not pay a bill if a company is not sure of what I owe nor can a bill be paid when I have never received a corrected copy in order to pay it. I was advised that I would receive a discount on my bill for customer loyalty and as of today 's date that has never been discounted and also I have never received a bill that showed the corrected amount to pay. Today I received a bill from Naitonwide Credit advising I needed to pay {$220.00}. I have never owed {$220.00} to this company and do not know where this amount has been calculated from and what for it has now became a form of blind payment system. Throwing money on a bill and never receiving or paying more than what is owed in order to satisfy a greedy company that does not live up to what they said you owe and for services that have not been rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I noticed several fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX, has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Bank account or service

On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.
Product: Payday loan, title loan, or personal loan

I took out a {$300.00} loan with XXXX last XXXX due to financial hardship. Since then I have paid {$910.00}, apparently all interest. I decided to pay off my loan early and went on the company 's website to see what my payoff amount would be. I was shocked to find that I would still owe them {$570.00}. That would be total payments of {$1400.00} on a {$300.00} loan for a five-month loan. {$1100.00} in interest ( I'm no math whiz but that's something like a 700 % APR. I don't understand why this is legal. It should be made illegal at the Federal level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, XXXX, and Experian I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, LLC is consistently ignoring investigation requests to resolve their inaccurate, incomplete, unverified, false, misleading and improperly investigated information. They are negatively impacting my financial livelihood and their noncompliance is intentional. I'm requesting for the CFPB to step in to assure that I am being treated fairly as this is causing me financial, mental and emotional distress and I am unable to get TransUnion to stop violating my consumer rights.
Product: Checking or savings account

On XX/XX/2021, I checked my banking app for my Chime online banking account. I was shocked to see an unauthorized withdrawal for {$980.00}. Further examination of recent transactions showed 2 more unauthorized withdrawals 2 days earlier one for {$500.00} and again one for {$980.00}, totaling {$2400.00}. I had never received a text alert from these transactions, as my account settings usually inform me of any withdrawal. Additionally there was no further information such as location connected to the transactions. 
I immediately called customer support who instructed me to put a block on all transactions while I was issued a new ATM card. As I was still engaged with Chime customer service, I received an email informing that a new ATM withdrawal was DECLINED for the amount of {$500.00}, exactly matching the earlier unauthorized withdrawal. However this time the email included the location of the attempt. The location was in New York XXXX at a XXXX Bank. I have never been to a XXXX Bank and have been caring for a family member with XXXX in NEW JERSEY. 
I was assured by Chime the matter would be resolved and not to worry. Upon further personal investigation, I came across several articles regarding a large scale ATM scam being run in XXXX and involving XXXX Bank leading to several arrests. 
As of this writing, Chime has declined to refund the money stolen from my account TWICE. During these tough times, the money stolen from my account makes up a significant portion of my savings and I do not have the funds to hire a lawyer or the time to spend on the phone with Chime or solving an ATM crime ring on my own to prove I was wronged. It is unclear how they came to those decisions and difficult to get an actual person to explain them to me given the information I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax for over 6 months because they are inaccurately reporting a XXXX XXXX Account on my Credit Report! 

The Balance Owed is Incorrect The Account is Reporting as an Open Collections Account ( 120 days late ) - Also inaccurate I have asked for verification methods several times and have simply been ignored. They responded once in XXXX and stated the information was verified but not once have they provided proof! They simply keep stating they do not have to provide such information and that they would no longer investigate this account. 

This is a Violation of my rights! Everything reporting on my report has to be 100 % valid r else it has to be removed. 

The account is also past statue of limitations!
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing has indicated that my mortgage, # XXXX is " 120-149 '' Days Late from XX/XX/2020. That is FALSE. This account is current and was never late and protected under the CARES ACT Forbearance. The attached Letter from Shellpoint Mortgage Servicing proves I was under Forbearance from XX/XX/2020 through XX/XX/2020.
Product: Debt collection

I have received repeated threats of arrest, and/or seizure from the law firm of Linebarger Goggan Blair & Sampson. The debt, and legal proceeding in question, has been adjudicated over a year ago. The legal proceeding was a civil matter, yet this debt collector had repeatedly threatened and harassed me with vague collection notices, the most recent of which contained a threat that a warrant was issued for my arrest and that I would need to pay the agency in order to rescind the warrant and avoid being arrested by the police at any time. Law enforcement shows no such warrant exists ; furthermore, at the advice of counsel, this matter is not one in which would/could result in arrest regardless ( civil matter ). A quick search online shows this organization is a repeat offender and has used shady tactics to collect debts in the past. Requests to cease communication have been met with hostility and have gone unheeded.
Product: Credit reporting or other personal consumer reports

I had a auto financed with XXXX XXXX and the it was paid off with an XXXX XXXX but its still showing on my credit report and I am unable to purchase another car while the loan is still showing. I need to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Aldous & Associates for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt.

Here are the details of the dispute : Debt Collector Information : Agency Name : Aldous & Associates Contact Information : XXXX XXXX XXXX XXXX, UT XXXX Debt Information : Debt Amount : {$910.00} Original Creditor : Aldous & Associates Account Number : XXXX My Request for Debt Validation : I sent a debt validation request to Aldous & Associates, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ).

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Aldous & Associates has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with Aldous & Associates, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that Aldous & Associates complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I have a student loan with  XXXX  ( now Navient ) since  XXXX . I have struggled with making payments since I got the loans and still walked out owing when I was left with no degree or certificate. I have attempted borrowers defense and the only  discharged  the  XXXX  from  XXXX  being closed. I ended up filing bankruptcy  XXXX  and this STILL is the only debt I have. They never advised me of the  IBR  until  XXXX  and even the interest is increasing my loans and effecting my  credit score . I filed a complaint with Ombudsman that mandated they remove my payment history from  XXXX / XXXX / XXXX  back t  XXXX  and they still wont remove the history. I do not feel I owe these loans and have failed to help manage them since  XXXX . The loans went from  7,000  to now over 12,000 over the course of  XXXX  years. They have multiple accts listed making it look like there are more loans than there actually are. And I have done disputes on my credit report and still not rectified. They advised me to consolidate the loans now they are listed under  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to check my credit score for free online, after that I found out I was billed XXXX $ from TransUnion and I wasn't even aware they charge for that.There was no ANY information whatsoever on the website and I didn't even know they are charging me and even that I am subscribed! You are automatically subscribed and charged without any knowledge once you put your credit card number to check free score! It is even hard to cancel at all or to reach them. I managed to cancel same day after hassle after I saw I was charged on my online banking however they already took my money. I am also worried about privacy of my important information since they just scammed me for my money! I don't know how can this go away here! In XXXX it is impossible! 
XX/XX/2018 XXXX $ TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to XXXX and I have asked XXXX to freeze my all information regarding my name and personal information. XXXX, XXXX  and Equifax can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I contacted fiserv on XX/XX/2022 I had spoken to XXXX and a XXXX. ( Through email and phone they have omitted the phone call of calling me XXXX names to protect their brand ) I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " XXXX  '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. Please help so no other protected class individual has to be mistreated by fiserv/money network. I have submitted a police report and " all '' documents needed to dispute my claim properly and replace my funds, yet to no avail. They will not accept my documents. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with Experian, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Product: Credit reporting or other personal consumer reports

I have a XXXX  XXXXXXXX XXXX XXXX  and they are reporting late payments on this account for being late 8 times. I have challenged this at least 10 different times
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX on or around XX/XX/XXXX  responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} ( XXXX  ) -COLLECTIONS XXXXXXXX XXXX XXXX AMMOUNT : {$750.00} ( XXXX XXXX ) -COLLECTIONS LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 



INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late
Product: Debt collection

XXXX XXXX XXXX has been on my collection accounts for a while, I made multiple attempts calling for the company to provide any information of proof and to dispute. When I called they stated that I disputed so many times and will not dispute anymore. When I finally got the woman to tell me what address they were sending it to she stated an address in Georgia and I have lived in New York all my life. Ive explained that I was a victim of identity fraud but the Collection debt agency has not been cooperative. I am backed up against a wall and unsure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 18 disputes with XXXX credit reporting agency, and their failure to remove information from my current credit report, they have acknowledged that the information of inaccurate public record information was supplied by LexisNexis risk management and XXXX XXXX. 

In a direct correspondence with LexisNexis risk management, they responded that no such information bearing my name should be reported, and still it is reported, and based upon a response from XXXX onXX/XX/2018 XXXX  stated that the information was supplied by LexisNexis, which is in contrast and opposite of what was written and reported by the direct contact to LexisNexis. 
In that this information ive been unfairly reported inaccurately on, and the only solution is payment for 17 separate violations or advising Experian to remove such information as inaccurate.
Product: Debt collection

On XX/XX/XXXX, a notice of an alleged debt was transmitted by email notification. The following day, XX/XX/XXXX, I conversed with XXXX, a representative from the XXXX XXXX, " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX neglected his commitment to investigating the dispute and subsequent follow-up. Additionally, XXXX XXXX, the compliance XXXX at " Colombia Debt Recovery DBA Genesis, '' failed to provide his credentials for email correspondence upon request. I stated that a validation request would follow suit and no adverse annotations be recorded on my credit history. XXXX XXXX 's contact information and position were discovered on the company 's website. Following our telephone conversation, I promptly transmitted a follow-up email containing a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that any erroneous information reported to the credit bureaus would constitute fraud, for which legal recourse would file suit. I stipulated that all correspondence going forth be solely via email. Despite my adherence to this course of action, I later received an unfavorable collection remark on XX/XX/XXXX. Subsequently, I have been subjected to unwarranted and harassing electronic communications from Colombia Debt Recovery, operating as Genesis, which have failed to address my debt validation request and instead persist in further collection attempts. On XX/XX/XXXX, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) requesting further investigation into the matter. On XX/XX/XXXX, Colombia Debt Recovery DBA Genesis denied receiving my debt validation request and claimed that the employee I had contacted on XX/XX/XXXX, was not employed by their agency. On XX/XX/XXXX, I contacted the agency again and spoke with a representative named XXXX, during which I reiterated the issue and requested debt validation. XXXX provided his email address, and I immediately followed up with another formal debt validation request, which I have included for your reference. Colombia Debt Recovery DBA Genesis failed to respond and has since ceased all communication. On XX/XX/XXXX, I filed disputes with all three major credit reporting agencies. As a result, XXXX conducted a reinvestigation and removed the negative collection remark from my credit report, while XXXX and XXXX made no changes. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.