23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am on the forbearance program and I see on my credit report that there was a no payment reporting for a month or more. A woman named XXXX from the loss mitigation team said over the phone that I should have incurred penalties unless it's a disaster forbearance and FEMA approved. However, with the CARES act administered by the Biden administration, all past due payments reporting shouldn't be reported to the credit bureau.
Product: Credit card or prepaid card

this is a follow-up complaint regarding XXXX. 
In Citibank 's response to complaint XXXX on XX/XX/2021, it said " Thank you for providing the requested electronic payment information for the {$9500.00} payment received on XX/XX/2021. We have verified the necessary information and the payment will be reapplied to your account. Please allow 5 business days for this adjustment to appear and your balance to be updated. '' Now today is XX/XX/2021 and it has definitely been more than 5 business days and still I DID NOT SEE the payment. It has NEVER been reapplied to my account. Citibank still OWES me {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company on XX/XX/2023. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.
Product: Debt collection

This Complaint is two-parts, a complaint against the hospital provider, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and secondly against Ability Recovery Services XXXX I received the following notification from Ability Recovery Services. The last thing I knew about this medical debt was the the Provider was supposed to be rebilling my Insurance Carrier, and they were going to follow-up with me, which they never did. This debt stemmed from I was admitted to XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX after a fall. All of the departments within the hospital were billed in-network, however, the attending physician was out-of-network, but I did not know that until I received a bill from the provider. I never had a chance to deny being treated by that doctor. I followed up with my Insurance carrier for over a year to rectify this and they said they sent a check for the bill, and I never received any correspondence about settling any debt after speaking with them and saying they would rebill my insurance. Additionally, I have never received anything in writing from this debt collection company so that I can verify or dispute this amount. I only found out because I received a notification from XXXX. Now, they are trying to call me after the fact, but I have not spoken with them. 

ABILITY RECOVERY SERVI has flagged your account as Collections on XX/XX/XXXX. 

Source : XXXX XXXX  : ABILITY RECOVERY SERVI Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$760.00}
Product: Debt collection

CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Notice by phone/ Company called varies times with harassing back to back phone calls.

Written letters sent to prove the allege debt with original documents. dates are included with attachments. Pursuant to U.S.C 8. I owe no debt. This company is violating
and harassing my Federally protected rights As a creditor and consumer with bills, calls and emails. I have no contract with this company.

15 U.S Code 1692e- False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. Without limiting the general application of the foregoing.

Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

NOTICE TO CREDITORS, BORROWERS, DEBTORS : Any and All things held in the name of XXXX XXXX XXXX or any variations as in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Are held in a Living Trust and I XXXX XXXX hold account to all surety and equitable value to all instruments declared or redeemed as security.
Product: Debt collection

On XX/XX/XXXX, XXXX from Challenge Financial Services called my place of employment regarding a car payment. I provide XXXX XXXX, I explained to XXXX his calling interrupts and delays the delivery of XXXX XXXX. I informed XXXX, which he is well aware, I am within the grace period and it is inappropriate to call my employer regarding a car payment, and to cease any phone calls to my place of employment. On XX/XX/XXXX, at approximately XXXX, XXXX called my job again, after being told not to do so. I informed XXXX of the previous email I sent him to cease calling my place of employment for a car payment, which is within the grace period. I am no more than 10 days late paying the car payment, which is due to my pay dates, and also XXXX was made aware of this.
Product: Debt collection

Northern Alliance Management, LLC contacted a friend of mine asking for me. The representative became rude when she told them to call me. She provided me with their contact information XXXX. When I called the company back the representative informed me they do not have my social security number on file and asked me to provide my social security number. When I refused to provide my social security number the representative became very rude, informed my the information was being sent to my local county courts to take action, and then she hung up. I still do not know what debt this company is trying to collect on.
Product: Debt collection

Hello. I was a student at the XXXX XXXX XXXX at XXXX XXXX. My students loans were transferred to Trellis Company a few years ago. Under the Cares Act, current student loans are forgiven for the time being because of Coronavirus. I reached out to XXXX asking if I could lower my interest rate because I was paying throughout the pandemic. They informed me that I do not qualify for Cares Act AND they have been charging interest on my account DAILY. Is there anyway to take action against these charges? This is unethical especially with 6.9 % of the population is unemployed ( according to the Bureau of Labor Statistics ).
Product: Credit reporting or other personal consumer reports

We have been customers with Discover for 15 years paying all bills on time. 2 years ago or more we stopped using their card. We ended up with a charge on the card that we werent using and were not aware of this. I never received a statement showing me a balance or to my knowledge a phone call. The charge was {$120.00}. We received a letter in the mail from discover in XXXX, after not recovering anything from them I thought it was odd. I opened it to find out that there was a charge and past due fees that I think totaled about {$300.00} and that it had been sent to collections. When we called about it we were advised to settle on a balance and that if we paid that balance it would not show up on our credit report. In XXXX I tried to consign for a student loan for my son and that delinquency was on my reports. Therefore no loan given. When we called discover they said it is out of their hands its up to the credit people ( XXXX XXXX ). When we call XXXX XXXX they say its up to discover. We had been customers for 15 years with discover. We were never late on a payment. If I wouldve known there was a charge of XXXX I wouldve paid it but I didnt received anything saying I did. So I would like this off my credit report since we were advised to settle. If not I would like to pay the rest of what we owe and get it off our report.
Product: Money transfer, virtual currency, or money service

A check for {$400.00} was issued and cashed, and the funds withdrawn from my bank. 

Capital one then stole the funds and is refusing to release them to our employee and charged her additional fees as well. 

They have committed wire fraud and conversion.
Product: Debt collection

I received a notification on XX/XX/XXXX stating that a collection account from an apartment I resided in was being placed on my credit reports ( XXXX, XXXX  and XXXX  ). I was never contacted about this debt when I moved out in XXXX of XXXX. I contacted the company on XX/XX/XXXX for a debt validation and waiting the allotted time of 30 days and did not receive anything from this company to my address in this time frame. I contacted them again on XX/XX/XXXX for a second time, still had not receive anything. I called the original company that issued the debt to be placed on my report, they do not have any record of this debt and can not verify with me where this debt came from.
Product: Credit card or prepaid card

I opened an 0 % APR credit card account with Bank of the West just to stop them from sending me invitations in the mail and decided to use the card later on. Since I thought I was getting 0 % APR for first XXXX months for purchases I decided to set the auto payment to minimum amount when I was checking when should I update auto payment to full balance this morning I realized I was getting charged interest. I tried resolving this with the bank 's call center but although the rep was trying his best, were not able to help me. I've never paid interest on my credit card purchases in my entire life and this is something really annoying for me. 

Interest Charges : XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of 7 will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached
Product: Checking or savings account

Hello. 
My XXXX year old mother died this XXXX past. 
XXXX of XXXX, who cared for her in her final years, forwards her mail to me. 
Along have come statements for two distinct XXXX XXXX XXXX XXXX accounts, one with a balance of $ XXXX and the other, $ XXXX. 
I mailed a letter, a notarized death certificate, a copy of my birth certificate, a statement copy, and a copy of a check my Mom made out to me. 
In return I received a letter acknowledging these contents and saying the XXXX XXXX manager had ownership of the process. 
But after a month I had heard nothing, and the phone number provided is never answered, with no voicemail option. 
So I wrote TCF again and received a completely non-sequitur letter in response. 
At this point I suspect TCF is delaying the process till the accounts can be declared abandoned, and the funds absorbed by the bank.

I have no idea who my Mom may have named as POD and I have no issue with whomever it is. 
But new statements show that TCF is still charging the account fees, even though they have acknowledged my Mom 's death in writing. 
And so TCF can not be trusted. 
I am hoping there is a CFPB process that will require TCF Bank to show they have exerted due diligence in getting the money where it belongs. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Portfolio Recovery continues to call me at home, work, and on my cell. They are calling about 25 times a day from random numbers. The company is already in trouble for their collection practices. I would like to join the lawsuit against them. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Portfolio Recovery asking them to provide me with data to prove that this is my account. I have asked them to provide the following : Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay you what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 

The only proof they have sent are credit card statements from years ago. Portfolio Recovery bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Product: Mortgage

We were closing on the sale of our house so we did not make mortgage payment. 4 days before closing bank pulled financing for buyers. I asked the loan servicer to make a payment online which we still would owe one payment but would no longer be behind. Not only could i not make an online payment because i was behind when i called i was going to be charged an additional {$20.00} musty to make s payment. This was in addition to the late charge i already was charged. Why is s payment usually free suddenly {$20.00} more? Double charging me for a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is XXXX XXXX XXXX
Product: Debt collection

Fortiva Account. I been trying to pay my Fortuva Credit Card ( Atlanticus ) debt but it seems the amount never goes down. I alrwady enough money to them. They won't remove the rest of the debt out of courtesy. My interest on that card was very high.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I leased a brand new Nissan XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the Nissan XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

Nissan has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the Nissan XXXX back in XXXX of XXXX. 

I called Nissan 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased Nissan XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the Nissan XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of Nissan. The USDA Direct Home Loan program, says the debt to income ratio shows that my debt is over extended because of Nissan.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

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

on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of a hacker.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Unknown credit reports and inquiries
Product: Debt collection

Last year, XXXX XXXX XXXXXX/XX/XXXX I became a policy holder at XXXX XXXX XXXX XXXX for {$260.00}. This policy was purchased to insure my mother 's XXXX XXXX. My mother decided that she could not afford the insurance plus the car payment and was contemplating voluntary repossession for the vehicle so a month later we decided to call XXXX and XXXX. This took place around the beginning of XX/XX/XXXX. The representative I spoke with at the time cancelled the policy at MY REQUEST and did not state any remaining balance on the call. Months later ( XX/XX/XXXX ) I check my credit report because my mother was diagnosed with XXXX XXXX, a tragedy that has shaken my family and I was looking at my options to get a loan to help us through this difficult time, and saw that XXXX had sold a debt of {$110.00} to Credit Collections Service. I have called XXXX a few times and spoken with different representatives and was told different information. I first spoke to a XXXX XXXX  and XXXXXXXX XXXX  in late XXXX on two separate calls and was told that the {$110.00} owed was from 4 days of the policy that I consumed insurance for in the month XXXX of XXXX. I asked if this can be sent to me in which they told me they would send it, confirmed my address as well as other necessary details and and they never did. By the beginning of XXXX I called XXXX again. and was told, that THERE WAS NO RECORD OF ME CANCELLING. i called XX/XX/XXXX and spoke to a few rep, XXXX, XXXX and XXXX- all said no record of me cancelling, XXXX was kind enough to explain the scam of XXXX stating that they cancelled me and sent me through my email on XX/XX/XXXX a cancellation notice from may I NEVER RECEIVED not by mail not by email. THEY SAID THEY CANCELLED ME, when in fact I CANCELLED over the phone. Today XX/XX/XXXX at XXXX I spoke to XXXX XXXX XXXX who told me they don't document all calls just some. VERY CONVENIENT to not document a declaration of cancellation of a policy holder and then he stated that XXXX only keeps recordings for 30days, HOW IS THIS LEGAL? HOW CAN THEY JUST DAMAGE PEOPLE 'S CREDIT WITH BASELESS INFORMATION? HOW THEY DONT KEEP RECoRD OF ALL INTERACTIONS, I work for health insurance and have worked for even debt collection EVERYTHING MUST BE DOCUMENTED FOR LEGAL PURPOSES how is this OKAY for XXXX XXXX DO to its consumers??? this is incredibly disheartening and cruel for us consumers. I want this to be public to warn any consumer looking to get insured to XXXX DONT, I have ran across so much evil things they have don't to peoples credit report its insane they are still running a business, and a shame on the business bureau to allow.
Product: Debt collection

Dear Sir or Madam, I was a victim of identity theft. I mailed several letters to The company by the name of Global Credit & Collection Corp. However, their company continues to communicate with me after I mailed them a cease and desist letter. On XX/XX/2019, my attorney mailed their company a {$1000.00} demand letter for statutory damages for not honoring the cease and desist letter pursuant to section 805,  Communication in connection with debt collection. However, their company continues to ignore all corresponding letters from me and my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to find out more about the credit card collection account reported by Chase bank for about a year. My last dispute was submitted via XXXX on XX/XX/2018 asking to verify the debt since I have never done business with Chase bank before. The result always has come back as " accurately reported '' and I have no knowledge of this Chase credit card.