23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, Attorneys affiliated with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX IL, filed and was granted a default judgement against me in XXXX XXXX, IL. 
The debt was charged off by Prestige Financial Services , Inc. on XX/XX/XXXX to a third party company ( that is not referred to or is XXXX XXXX XXXX XXXX XXXX. 
The dispute of of debt was responded to on XX/XX/XXXX by XXXX XXXX, Attorney for XXXX XXXX XXXX saying that I owed a principal balance of {$11000.00}, a fee balance of {$510.00}, the amount of interest accrued ( 29.99 % interest rate ) was {$3400.00} and the total balance that was due at the time of the letter was {$15000.00}. The contract was started on XX/XX/XXXX and last payment was made on XX/XX/XXXX ( with monthly payments being {$340.00}. Amount financed on XX/XX/XXXX was {$11000.00} and was paid for 16 months totaling {$5500.00}. 
According to court document filed, the amount claimed was {$14000.00} plus court fees. The car was repoed and sold in an auction as well. 
According to a financial statement from Prestige Financial on XX/XX/XXXX, the amount of interest that was accrued was {$6100.00}, the interest paid was {$4600.00} leaving an interest balance of {$1500.00}, with total fees being {$610.00}, total fees paid {$98.00} ( auction price ), making balance fee {$510.00}. Principal balance was XXXX XXXX {$1500.00} of balance interest and {$510.00} of balance fees totaling the account balance to {$13000.00} after charge off date which is different from amount on court document and amount on debt dispute letter response from XXXX XXXX XXXX XXXX XXXX Where did my monthly payments of {$340.00} go???
Product: Bank account or service

I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Product: Debt collection

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX University closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that CONSERVE NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX
Product: Debt collection

Company attempts to collect money as a debt collector without being a secured party creditor, a violation of federal and state law. 

Agent sends erroneous validation of debt letter unsigned, this act is fraud. 

Communication letter misidentified the company legal name, an act of fraud. 

The agent and ceo wont respond to my three communications each, a non response equates to fraud. 

Alleged debt is reported to credit agencies causing actual harm, no contract no case. 

Alledged original creditor XXXX, XXXX not registered to do business in State of Florida during the time periods stated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus and jpmc are reporting inaccurate information such as amounts, terms, and date of last activity
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I purchased an American Express Serve prepaid card from XXXX. The temporary card was activated successfully in-store and I loaded money into the card. This temporary card is supposed to be registered on the AMEX website to get a permanent card. However, I tried many times and everytime after I fill in all my information and card information the system says " Sorry we are unable to approve an account to you ''. The customer services are totally useless. They do nothing but keep saying that they do n't know but the " possible '' reason is that the system can not verify my identity. But I 'm 100 % sure that my information submitted is correct. They said nothing they can do, which is absurd. They also do n't offer the option that I send them my documents/IDs to manually verify. So basically I am not allowed to use their product.
Product: Debt collection

I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action.
Product: Mortgage

We refinanced a loan that closed and paid off PHH Mortgage on XX/XX/2021. The payoff statement was issued XX/XX/2021 which showed that we had not made XXXX 's payment yet as we were anticipating a closing soon. When we realized that we weren't going to close until the end of the month, we went online and made the house payment on XX/XX/2021 ( attached ) The payoff statement indicated that payment had not been made and was included in the total ( attached ) that was sent in as the total payoff. After initially calling about hem additional payment being refunded, we were told that they would go through the account and issue a refund within 20 days. On XX/XX/2021 we received a check for the escrow balance only, it did not include the additional payment as we'd been led to expect. 

After another call this morning trying to get it resolved, it was obvious that the call center person I was speaking with had zero clue what to do and made multiple attempts to transfer me to some other department. Finally, he gave up and asked for my information for an escalation specialist to call me back. I have zero confidence in this company to resolve the issue at this point and would like to get some assistance from your agency.
Product: Debt collection

I called the company last week after repeated phone calls at all hours of the day - many before   XXXX   XXXX  .     They told me what the debt was and I said that I had no instance of this being something I owed - it was for service I never had. They told me to submit a letter arguing the debt. Which was a week ago today on  XXXX  when this phone call happened.     Today I got a concerned phone call from my mother saying they had called at the specific number looking for me. A few weeks ago I received a call from my uncle saying that the company was looking for me as well.     I do n't have the phone records tonight from my mother, but I can get her those as well as those of my uncle who also received harassing calls. And I will gladly publish mine - including my calls to them.     And the names of all that I spoke with.
Product: Checking or savings account

Opened checking and savings accounts on XXXX XXXX at Suncoast Credit Union, XXXX ID ( XXXX ) in anticipation of job transfer. Tried several times to access account ( XXXX ) on line and received message.. unable to access account XXXX notified. On XXXX XXXX I contacted Sun XXXX XXXX and was told account was closed due to Identity theft. I asked for further explanation and asked why I was not notified and received no answer. I asked where the funds are that were in the account and again received no answer. This is nothing less than fraud! I will await conclusion of your investigation, and XXXX XXXX ( XXXX ) to be begin legal action. At your request I will provide proof of money transfer from XXXX XXXX to Suncoast Credit Union.
Product: Debt collection

I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX,  stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.
Product: Debt collection

I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my Experian report that is WRONG! XXXX  and XXXX  both fixed this situation. I did not have a water bill in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pad JPMCB the full balance of my credit card which was {$1100.00}. XXXX  refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name, addresses, employment and ss number is inaccurate on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that all the INQUIRES listed to be removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that these INQUIRES are immediately removed upon receiving this complaint. If they are not removed within 7 days I will take further legal action.
Product: Credit reporting

Disputed negative items on my credit report except for XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate collection on m y credit report. However as a result of my dispute of my credit report equifax deleted everything except XXXX XXXX XXXX. As of todays date of XX/XX/2016 they have placed a collections back on my credit report of XXXX.
Product: Money transfer, virtual currency, or money service

the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I paid off my mortgage loan with Bank of America on XX/XX/2020. 
( 1 ) Three weeks later, they are still holding {$4100.00} in my escrow account. I am unable to find out when they plan to return my {$4100.00} to me.

( 2 ) Bank of America has been taking unknown fees from my escrow account for a year without notifying me or telling me what they are for. I am unable to contact anyone to request an escrow account reconciliation and get an explanation for all those fees.

( 3 ) I have not yet received a payoff reconciliation statement from Bank of America. I am unable to find out when they plan to send this to me.

( 4 ) Bank of America apparently closed access to my online account as soon as my loan paid off on XX/XX/XXXX. I am therefore unable to access a complete 2020 transaction statement for my paid off mortgage and unable to find out how to do so. 
( 5 ) I have sat on hold on Bank of America 's " customer service '' line for 72 minutes on one day and 64 minutes on another day, and then been disconnected without being able to speak to anyone.

( 6 ) There appears to be no other way to contact Bank of America except by a phone number that they do not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my consumer report there is a charge off ( XXXX XXXX XXXX ) reporting and this is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not reported in a consumer report. Also, charge offs should never be reporting monthly as this is. I never authorized to report this. this is defamation and I will ligate this company for defamation because they are reporting information that theyre not suppose to which is causing damage to me financially and emotionally.
Product: Debt collection

This is their 2nd garnishment, no response when trying to contact other than we don't wan na hear it, no information for court date, no information about what where when or how, and today we received another garnishment order at work
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear Experian, XXXX, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 
4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 
According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

Experian, XXXX, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : 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 card or prepaid card

On XX/XX/2021 I saw a new credit card on my credit report, which I never applied for. The account was opened inXX/XX/2021, with a XXXX Arizona address ( where I have never lived ). The card was opened with a limit of {$4000.00} and they had already used {$2900.00}. No inquiries appeared. That same day ( XX/XX/2021 ) I called the responsible company ( XXXX XXXXL XXXX XXXX XXXX XXXX , OR XXXX USA- XXXX ( XXXX ) XXXX ) and they stopped the card and is in the process of investigation. Also ( on XX/XX/2021 ) I called the 3 credit bureaus ( XXXX, XXXX and XXXX ) and put up a dispute. I called the police and they made a report to me on XX/XX/2021. The Responsible Company ( XXXX ) sent me an Identity Theft Victims Complaint and Affidavit that I completed and I will send it to them today ( XX/XX/2021 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX and Portfolio Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX  XXXX and Portfolio Recovery a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX and Portfolio Recovery to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and XXXX XXXX and Portfolio Recovery disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX and Portfolio Recovery collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. My information was sold and brought illegally because I was a victim of the Equifax data breach. 

Equifax Data Breach Settlement ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.