23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My issues with XXXX XXXX  goes back three years or more. I signed up for a gym membership and personal training XXXX XXXX XXXX XXXX XXXX XXXX, I recived traing for almost a month until I caught XXXX at the XXXX XXXX. I calleed in and told The fitness trainer I was going to be out for Some time. XXXX XXXX XXXX said No problem Call us when your better. During my XXXX I had to under go XXXX XXXX XXXX XXXX. I called the fitness center to cancel my membership and was told that a freeze would be placed on my account and I did not need to pay until i got better. Within 3 months I started recieving collection notices. I called the gym and I basicaly got the run around and even one of there staff stated that XXXX and XXXX XXXX  were no reasons they could use to cancel my membership. I tried to fight the membership issues but kept getting pushed around to differnt manger. All the while trying to XXXX from XXXX  XXXX. I let time lapse and decided after 2 years to visit XXXXXXXX XXXX XXXX  XXXX XXXX location and speak with the fitness manager XXXX XXXX on XX/XX/2023 about my Membership outstanding fees. He stated that he would erase the fees and past dues in exchange for a new contract plus add extra free training. I decided to move forward with the plan and paid the entire amount up front. I completed my training as well as my contract XX/XX/2023. I decided to do one more sesion which after completing my first session I was told the second session was not under contract for the another session and I could quit anytime. This holds true as is states on their website. My First month of training I noticed I was being overcharged and braught this up to the manager XXXX and he stated this has to be mistake and he would take care of this issue. Being fed up with terrible service and a manager who promised free training for all the issues Ive had over the past did absolutly nothing but charge me for every service plus he never erased any of my billing issues from XXXX  XXXX location. My final termination of services was sent to XXXX XXXX XXXX XX/XX/2023. My last day of traing was XX/XX/XXXX which services were never rendered due to and Argument with the XXXX and the trainer both stating that they had no idea I was quiting. This is why I made sure to email XXXX about my termination. He then claimed that he didnt see the emails then retracted his statements. He then said he would cancel my membership on the spot. This never happend and I have been fighting the billing staff about payment as well as sending emails and letters to XXXX  and not getting any responce. The collection services sent an email stating I owe {$47.00} and the XXXX location manager said I owe {$20.00} Now I just recieved another letter stating I owe {$470.00}. The billing is all over the the place without sort bill reflecting these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed Amazon account with Synchrony Bank which I have been paying dutifully monthly according to the dictates of a hardship program. I fell XXXX XXXX  in the month of XXXX due to constant exposure to the XXXX XXXX since I work in the XXXX XXXX  and specifically in the XXXX XXXX Synchrony Bank reported me late to all the credit bureau for the month of XX/XX/2021. I spoke with a representative today and she said she would request for a deletion of the late payment. While I appreciate her kindness and empathy, it did not allay my fears about the impact of this derogatory report on my family finance and even more as the sole breadwinner. It is more like a burden added to my medical struggle. 
In order to prevent such occurrence as this, I have enrolled in the auto payment for subsequent payment on this card. 
I will appreciate if someone can empathically review this account and delete Thank you
Product: Debt collection

Midland called me about an account I didn't recognize. They had me review charges and the address matched that of one of my relatives. I brought that relative on the phone with me who admitted to opening the account. Midland still claims what I'm saying is false. They claim my address was on the account, but I noticed it wasn't when they had me review it on the phone. I recently found out they got my address from pulling my credit report, not from the fraud account. I filed a police report and FTC report. I attempted to update the police report to add said relative, but they told me I'd have to have a detective assigned to it and talk to them about it. I did update it on my FTC report. I called the bank that had the fraudulent account and was told it was under investigation. I called the credit bureaus, and I no longer see it on my credit report. I asked the woman on the Midland phone if there is a way to upload or fax my documents since I don't have transportation or money to send by mail. She refused to give me any way to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX collection amount XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT {$640.00} ADRESS XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX OF XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ANOUNT {$270.00} Date ASSIGNED XX/XX/XXXX XXXX submit last updated XX/XX/XXXX CHARGE OFF BALANCE {$180.00} XXXX XXXX XXXX ACCOUNT BALANCE {$910.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} 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 all accounts you post on a credit report. Otherwise, anyone paying for your reporting service 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 account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years 15 USC 1681s-2 ( A ) ( XXXX ) 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
Product: Debt collection

I have asked GLA Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXmany unauthorized transactions occurred on my account ( details attached ) I have notified my bank ( Chase ) that those transactions were not done or authorized by me on XX/XX/XXXX On XX/XX/XXXX, the bank sent me a notice ( attached ) saying that they found out that I have authorized these transactions. Since this is not the case, I have contacted them and they said that it has been done through one of my devices. I explained that it is not possible since I had all my devices with me. Then they gave me a description of the device ( brand ), and this is a brand I bever heard of They now say they will take back the credit from my account, and I do not. agree with this since these are not transactions I should be responsible for Please let me know what else I should do Thank you
Product: Debt collection

The debt that Hunter Warfield is trying to extort out of me, is not even on my credit consumer report. I can show a current, and pass months report. Since I asked who gave them my information ( late XXXX 2023 ), I have been contacted via email, and now phone calls. This is harrassment, casuing me mental anguish and fear of my credit not being extended to me, if they choose to fraudulenlty attach this debt to my credit consumer report
Product: Debt collection

XX/XX/2020, Flagstar Bank called me in regards to my mortgage that is in Forbearance from CARES act related to COVID. XX/XX/2020, I returned the call and spoke to a gentleman who identified himself as a collection agent with Flagstar. He informed me that I had a past due balance. I told him I was in forbearance. He said " just because you are in forbearance doesn't mean you can't make payments. '' I told him, actually yes it does. I am in forbearance due to COVID via the CARES act. He said what is the CARES act? That isn't a thing. He then told me I owe XXXX, and then said how would I like to make payment ... check, bank transfer. I cut him off at that point and told him that I was not obligated to make a payment and that I was now recording the call. He said " thanks for letting me know you are recording me without telling me. '' And then he hung up. 

I called Flagstar back and spoke to a supervisor. I told XXXX what happened and that I consider that behavior predatory and aggressive. He repeated those words and said he agreed. He told me they are supposed to call to see if anything has changed in regards to my need for forbearance, not anything more. He also told me their investors want them to call us twice a month. I then shared no, according to CARES/XXXX  you can not contact me that often. He then said yes you are right, we are allowed to contact you at most every 21 days. Which said to me, even he was being misleading. 

Flagstar Bank is NOT following the guidelines of CARES and other guidances given to them. I want to make a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

According the the CFPB credit reporting agencies arent going completely through the correct procedures to get proper results with integrity and mission accomplished by their mission statement.
Product: Checking or savings account

A checking account at TD bank was Fraudulently opened in my name. 

The account # XXXX Tel XXXX XXXX
Product: Mortgage

I 've lived in my home since XX/XX/XXXX. That 's 20 years. I raised my son here as a single mom, post-divorce, without assistance from his father. After remarrying, and refinancing, my husband and I have both suffered job loss in our XXXX. It has not been easy competing with a younger workforce. I went back to school to obtain a degree, but we 're still in a mess. We have been on the verge of foreclosure twice, now, and Ocwen is again making us another " offer, '' after having met the terms of paying a monthly amount, on time, for several months. They are ready to offer us a modification agreement. This modification involves paying them over $ 50K to keep living here, basically, when we only owe $ XXXX. The house has not seen much maintenance or improvement since we 've had so many hardships. Its only value is that it 's in a good school district ... and I do n't want to leave my home. There is no way I will have over $ 50K to give them as a balloon payment in XX/XX/XXXX, when I 'm XXXX years old. I can make the payments, now, and I can even agree to pay their attorneys for working with me, but when the original sale price in XX/XX/XXXX was $ XXXX, and they want that much on top of what I owe, I feel a grave injustice has been perpetrated. And I 'm not the only one being served this foul plate. People are turning up in droves all over social media to protest Ocwen 's predatory practices. When is someone who can do something about this going to get involved? In 15 years, do you realize how many grandmas and grandpas are going to be homeless? Maybe Ocwen wants a write-up with our group photo in the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time and time again, I have sent written complaints to Experian only to receive a " we didn't get information about " what '' you're complaining about. 

I have several items on my account that are far past the statute of limitations for California AND New Mexico. 

1. XXXX XXXX XXXXXXXX Mortgage account. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

2. XXXX XXXX XXXX loan. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

3. XXXX XXXX credit card. Statue is four ( 4 ) years. This account ended in XXXX. XXXX XXXX demanded payment to remove account. Instead, Experian and XXXX XXXX colluded to reset date and refuse to remove. 

Experian will most likely respond by saying I have not provided information, yet I have records of letters sent from XXXX to present, with signatures of receipt. 

Experian routinely drops my score by over 20 points every time I pay my accounts off monthly. They now list me as " fair '' when all other reporting agencies show me as " very good ''. They rarely inch my score up by XXXX or XXXX points while routinely dropping my score by double digits, followed by a " join our Boost Program '' email, which is a false method of raising your credit score. 

Experian MUST resolve these discrepancies on my account immediately by removing these statute passing accounts and stop colluding with XXXX XXXX.
Product: Checking or savings account

I have been XXXX. I was unaware my account was overdrawn because I was hospitalized due to XXXX. While in the hospital my account accrued nearly XXXX dollars in over draft fees and a credit from a dispute for a room I never even should have been charged for was also reversed. 

I was not able to even understand what was going on around me while XXXX. I told them this and the fact I been not working and they offered to take the balance down by XXXX dollars only. Really? This is insane also two atm fees XXXX and the other for XXXX was charged when my account was long in the negative there is no way that the atm transactions went through I have a list of these fees this heartless bank is trying to take from me but I am not able to pay XXXX dollars. If I knew my account was overdrafted I would have paid but I was hospitalized and unaware. What do they want me to do? This is terrible greed of a bank. Going after one who has little. It's sad. I attached all the fees gathered while I lied in a hospital bed.
Product: Debt collection

Southwest Credit Systems ( The DebXXXX Collector ) record on my credit file was previously disputed by me multiple times. XXXX. ) The Debt Collectors deliberate misrepresentation of the debt that was in dispute more specifically the changing of the Date Opened from the date originally on file to effectually report the debt as current. 
XXXX. ) The Debt Collectors deliberate misrepresentation of the amount of the debt evidenced by the random increase in the debt by {$1.00} and subsequently reducing of the same by {$1.00} in less than a month. Example of one harmful effect to credit file The percentage of your accounts always paid on time has decreased by 4 % quoted directly from the report subsequent to the manipulation significantly reducing my credit score. 
Detailed Letter and Images will be attached.
Product: Debt collection

I have a collection on my credit report from this company for {$150.00}. It states the original creditor is XXXX. I have service with them so this debt is not correct. I have had multiple companies add an account from XXXX and it is not valid. No letter or anything was sent. Just thrown on my credit with no proof. This error has messed up my home buying process. This is information is not valid.
Product: Credit card

I received a credit card from Barclays in the mail on XX/XX/2024. I did not open this credit card or authorize anyone to open this credit card. I immediately called Barclays and reported the fraudulent activity. They informed me that there was a balance on the card from a balance transfer from a XXXX XXXX credit card account. Barclays told me they would send the information to their fraud investigation department. During the next week, I filed an Identity Theft Report with the Federal Trade Commission. I contacted the 3 credit reporting bureaus and placed fraud alerts, froze my credit report, and filed disputes regarding the Barclays credit card. I then provided all of this information to Barclays through a fax on XX/XX/2024. On XX/XX/2024 I received a letter from Barclays stating that they did an investigation and determined that the account is being reported accurately. I then filed a police report on XX/XX/2024. On XX/XX/2024 I sent a letter to the Fraud Investigation Division appealing their decision and once again provided them with the Identity Theft Report and also the police report. On XX/XX/2024 I received three correspondences from Barclays : a statement ; a letter stating my " Account with Barclays is Delinquent '' ; and another letter stating " our records show that your AAdvantage Aviator XXXX XXXX XXXX Mastercard is three months past due ''. Are they ignoring my appeal? I consider these letters as harassment or bullying in order to get me to pay for this credit card. Furthermore, on XX/XX/2024 I requested a copy of my credit card application. I wanted to see what information was used to open this account. On XX/XX/XXXX, I received the information and this is what was provided to open the account : My first and last name, date of birth, address, monthly rent or mortgage stated as {$700.00} ; yearly income stated as {$110000.00} ; an email address that I have never seen or used ; and a home phone number which is actually my wife 's and not mine. The application requests mother 's maiden name ; employer name ; and own or rent. None of that information was provided. Barclays really allowed someone to open a credit card in may name with just that information??? And obviously Barclays did not look at the credit report that had to reviewed when accepting this application because they would have seen that we do not have a balance on our mortgage. It is {$0.00} NOT {$700.00} and that we do not have a XXXX XXXX credit card which should have been a red flag since the applicant was transferring the balance of XXXX XXXX card to this new credit card. Furthermore, did not verify the email address?? Or even ask for social security number or employer information. Maybe all of this is a scam within the departments of Barclays??? Barclays has NOT properly investigated this fraudulent report. They approved an application without verifying any information. They are at fault and are now harassing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted Equifax,   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the banks associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over XXXX years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts since the submission of the requisite documents. 

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

I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/Never late and send me a copy of my updated credit report regarding dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this should not be late, send proof now. Also please pass this along 15 USC 1681s-2 ( F ).