23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, Transition ) and provided them with valid proof of police reports, not 1 but 2 police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.
Product: Mortgage

Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

In XX/XX/XXXX XXXX XXXX XXXX started reporting my escrow account as {$10000.00} in arrears and as a result reported this as late payments on my mortgage to all 3 credit bureaus, because I refused to repay this bogus charge to my escrow account. I spent two years trying to resolve this with XXXX XXXX XXXX with no success. In XXXX XXXX XXXX XXXX transferred the servicing of my Mortgage loan to Select Portfolio Servicing who carried forward this gross error. In XXXX of XXXX I hired a lawyer to represent me in this matter. In XX/XX/XXXX, XXXX XXXX XXXX, Select Portfolio Servicing and I came to an agreement to " resolved this matter '', which I am submitting as supporting documentation. It is important to note XXXX XXXX XXXX has removed this derogatory information. All mortgage payments covering XX/XX/XXXX thru XX/XX/XXXX being reported by Select Portfolio Servicing are not valid and should be removed from my credit report. The result of this reporting has caused serious harm to my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I submitted a dispute per FCRA to correct incorrect information on my Experian Credit Report per FCRA Regulations Section 623 whereas they remove some of the incorrect names but not all. I am a XXXX, my son is a XXXX.I am living by my full name at birth including XXXX. I have submitted several request on XX/XX/18, XX/XX/18 ,XX/XX/18 and XX/XX/18 with negative results. I can't understand why they continue to list these names i've request to have deleted. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX  uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they  cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Quicken loans ran a credit report on my account. I did not give them permission. I called about a loan and hung up without any desire to move forward. My score has dropped 30 points because of this and XXXX XXXX  does not have any ability to fix this.
Product: Money transfer, virtual currency, or money service

The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX. Date open XX/XX/XXXX Account Number XXXX date open XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.
Product: Prepaid card

I have a prepaid Rushcard that I still cant use at this time. The company states that the problem is fixed, but I am still getting error messages when I try to transfer money.
Product: Checking or savings account

FIRST, In XXXX of XXXX Wells Fargo sold my private college loans account to a third party ( 'XXXX XXXXXXXX XXXX ). It was until XX/XX/XXXX where I got an email from XXXX XXXX XXXX notifying me that I had loans past due which I was then penalized with a fee. 

There is a total of 4 loans in the account that were affected, loan details below : - Loan 1 : XXXX- Original disbursed amount : {$4800.00} on XX/XX/XXXX, Current day payoff amount : {$6400.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 2 : XXXX - Original disbursed amount : {$6000.00} on XX/XX/XXXX, Current day payoff amount : {$8100.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 3 : XXXX - Original disbursed amount : {$7000.00} on XX/XX/XXXX, Current day payoff amount : {$280.00} on XX/XX/XXXX at a 13.74 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 4 : XXXX - Original disbursed amount : {$7800.00} on XX/XX/XXXX, Current day payoff amount : {$8500.00} on XX/XX/XXXX at a 12.140 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

THEN, On XX/XX/XXXX my only debit account with Wells Fargo was suddenly closed WITHOUT previous announcement. As I was checking my balance on XX/XX/XXXX I realized that instead of having {$17000.00} I had {$0.00} all my money was wiped away from my only debit account, where I get my paycheck and where lenders extract money. After visiting a Wells Fargo Branch in XXXX Texas and not being helped and waiting on the phone line for 3-5 hours I was told that Wells Fargo was in the process of sending a check with all my money to an old address. I tried contacting the old address without success. I have been 8 days without my money until today and it is unacceptable.
Product: Credit reporting or other personal consumer reports

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

I am writing to dispute account on my credit report that are a result of identity theft. This account is not mine, and I have already contacted the company involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I request that you investigate this account and remove it from my credit report as soon as possible. Please let me know if you need any further information or documentation from me to assist with this process. 
XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

It a company Cash App. I had set up direct deposit and it states it received it on XX/XX/2020 but did not reflect in the balance. There is no customer service only on twitter. And even there is no use. It's my pay check I need it. My health is a stack. I just want my money and do away with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has not been available to view for more than three years. I have called the credit bureau, and every time a representative from another country answers. The agent is rude and advises me that I have requested a report too many times. I proceeded to tell the rep that I have not requested a report and have not been able to receive a report in years. The agent does nothing and hangs up on me. The happens every time I call. I have even submitted proof of identity on the website, the website eventually kicks me out without a resolution. I need help accessing and unblocking my credit report for use. The credit report is with Equifax.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i filed a claim against Unclaimed Property Division Wyoming State Treasurer 's Office bceause coinbase liquidated my digital assets now i am currently on wait to claim my funds back, first they told me it was going to take 3/4 weeks when i got back in touch to check my current status they told me it was going ro take 3/4 months for my claim to be reviewed. I think this is a violation to my rights as a consumer as i was promised something and now they give me a total different answer.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a Barclay Bank credit card with airline miles. I spent over 60k on the card with the understanding I was earning miles paying off promptly each month. In XX/XX/XXXX my bill had a fraudulent charge from XXXX for 120 plus. I contacted XXXX they couldn't help so then contacted Barclay and explained situation. They would not help me as well and without my permission he cancelled account. I called back the next day because I had over 100k in miles ( the promotion ) and explained I didn't want to cancel. They informed me the could reopen account but I was to lose ALL MY MILES!! I told them I'd pay full remaining balance on the account as long as they gave me those miles ( which was going to be honeymoon in XXXX ) they refused. Its still affecting my credit and the WROTE IT OFF.It is complete FRAUD! Please HELP! 
Thank you for your time XXXX XXXX
Product: Debt collection

Convergent is a debt collector trying to collect money on an account Ive never used and was created fraudulently with my stolen personal information. My personal information was stolen and used to open a fraudulent account with XXXX XXXX in my name for a different address I have an identity theft and fraud case open with Optimum but in the meantime Ive received a bill for over {$800.00} to collect from Convergent Outsourcing that I am not responsible for. Their phone number on their website and bill does not have a voicemail and was not taking phone calls. I demand that this bill be removed from collections and my credit be restored.
Product: Debt collection

I have received frequent and repetitive collection calls from Aldous & Associates for a debt owed to XXXX XXXX beginning in XXXX of 2019. When I requested documentation related to the debt, the collector sent me the contract that they said I had signed. However, I never signed a contract with XXXX XXXX and I believe the signature on the form was forged by the company after ownership changes. I had cancelled an account with the previous owner. I have made a written request that I stop being contacted about this inaccurate debt, but the company continued to call my personal number from multiple different phone numbers at any time of day or night ( before XXXX, after XXXX ). I have also been notified that attorneys for the company have made them aware of evidence of harassment in my case, but they continue to contact me about payment. The phone calls I have received about the debt were threatening.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is mishandling information and incorrectly reporting to th

e 3 bureaus unjustly. This stateme
nt complements my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. 

I sent a letter and allowed the company 30 days to reply with no reply : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote them a formal objection of claim ( s ) as reported when reported and a demand for appropriate report modification ( s ) on their part. They are inappropriately reporting incorrectly to the XXXX XXXX XXXX Experian and damaging my credit and in violation of the FCRA aka the Fair Credit Reporting Act. The acts in nonobservance should be subject to fines and damages. 

I am providing the company but this one last opportunity for suitableness of this account. Previously, I had sent them a letter advising them that they were inaccurately reporting. 

Additionally in that request I in fact did assert their necessary requisite ( XXXX ) to ensure only compliant information is retained on my file. 

Due to their now obvious continued misreporting ( XXXX ) albeit any all or each unfair and or surely unethically noncompliant reported in that it implies that my forwarded notice was sadly ignored. 

Their reporting deviations are costing me unfair turndowns of credit, and unjustly greater interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...
Product: Credit card

I signed up for an XXXX store card for my XXXX payments and they automatically signed me up for their Card Security Program which provides coverage in the event of death, XXXX etc. I did not give my consent ( or was not aware of giving my consent ) when I signed up for the card. I received a non-descript notification in the mail alerting me of this and have cancelled my participation by phone. 

Apparently they have a checkbox in the card application process. I do not remember checking that box ( and never would have ), so I can only assume that the box was checked automatically and it was an opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$7600.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Capitol One has XXXX accounts on my credit report reported as charge-offs when the IRS canceled both debts. I requested both XXXX XXXX forms, and they denied that they reported them on my credit file when both are listed as charge-offs.