23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving phone calls from XXXX XXXX XXXX, who claim to be acting on the behalf of CheckSmart, since XX/XX/XXXX. They said that they were hired by the company to settle a debt from XXXX, before it'd go to court for me to be sued for the amount supposedly owed. 

In the several phone calls that I have received and answered, I was told that the creditor had taken this matter court and that I would be prosecuted for fraud if I didn't settle. When I heard the representative say that it was taken to court, I asked where, and was told in Ohio. I asked for the claim number and was then told that it Could be taken to court but that it hadn't yet, and that the only way to stop that from happening was to pay the debt. 

In every single phone call I disputed the validity of the debt and requested verification, ON SEVERAL OCCASSIONS FROM SEVERAL REPRESENTATIVES. In a conversation with a XXXX, who claimed to be the manager, I asked to be sent the verification via email, and instead, on XX/XX/XXXX, I was sent a link of a PDF letter that again claimed a debt was owed, with no actual verification of the debt provided. The most recent call with the same manager, XXXX, I once again requested the same verification as from before. This time he told me that he didn't have that verification, and that the creditor he was collecting debt for hadn't given it to him either, so there was nothing that he could send to me about it. I then asked from what was he was basing his collection of debt from, and he tried explaining to me how debt purchasing goes between a creditor and a collection agency like his. 

I became irate at the fact that this company, XXXX, and its representatives had been calling me for months, multiple times a day, making claims of fraud and threatening to sue me in court, were doing so without having the verification of the debt they were referring to in the first place. 

Nothing, so far, has hit my credit profile, and aside from the link to their portal to make payments, nothing has been to sent any of my addresses ( email or physical ) as it relates to this supposed debt owed either.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute inaccurate information on my credit report. The following information is incorrect : XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXX XXXX XXXX  XX/XX/year>. Not Authorized I have carefully reviewed my credit report and have found discrepancies in the information provided. I have never applied for credit with the following companies, which are liste above. These inquiries listed above, are beaing reported are incorrect, and misleading. This misinformation is negatively impacting my credit score and financial standing. 

I am requesting that Equifax, investigate this matter and remove the inaccurate information from my credit report. I have enclosed copies of relevant documents, including proof of payment history and correspondence with the creditor, to support my dispute. 

I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite this process and provide me with an update on the status of my dispute. 

Please send me written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX
Product: Student loan

Navient payments are not practical! $ XXXX is not feasible by any graduate let alone more recent ones who are only making $ XXXX! Loans need to be more practical and payable! I ca n't get engaged, married, a house or even live because of my loan payments!
Product: Debt collection

My ex-wife and I had a charged off account that didnt get taken care of in our divorce. I found on my credit report that I had a charge-off account with XXXX XXXX XXXX XXXX XXXX. The amount was around XXXX. I called XXXX to make payments and they referred me to their debt collector that was holding the Debt. SARMA Collections Inc. They advised me the total amount with fees to bring current would be XXXX. I made a payment XX/XX/XXXX for XXXX. I made another payment XX/XX/XXXX for XXXX and a final payment of XXXX on XX/XX/XXXX. I received in the mail a pay off letter from Sarma showing debt paid in full. My ex-wife was advised by XXXX that we still owed them, not Sarma an additional XXXX and they requested a payment be made to them on this same account, even though they no longer were holding the debt. XXXX is refusing to refund the amount of XXXX to us, as this would be an over payment, plus we already received a pay off letter from the debt collector. After reviewing Texas Law regarding Debt collection they appear to be in violation being of failing to give information on regards to actuall who holds the debt, over-charging, and presenting false information regarding balances as XXXX in the collections department will not tell me the total amount XXXX that was charged-off. I spoke with him twice today XX/XX/XXXX at XXXX and again at XXXX the same day. I asked him why they would accept a payment from us if they do n't hold the debt? He said he is allowed to take payments from the consumer even if the account was deferred to a debt collection agency. I said they are double charging us. He would not contact SARMA with me on the line to figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX USA XXXX A ) XXXXXXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX, on XX/XX/2020, XXXX XXXX XXXX  and on XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XX/XX/2023 - XXXX Experian-XXXX XXXX However , the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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: Checking or savings account

On XX/XX/year> my CashApp account was charged {$39.00} by XXXX for a XXXX subscription. 
On XX/XX/year> I contacted XXXX about this charge. 
On XX/XX/year> XXXX responded that they would refund the charge of {$39.00} The subscription was cancelled on XX/XX/year> and they stated the refund was sent to my bank ( CashApp ). 

To date I have not received the refund. 
I have contact CashApp several times and they state that they have not received the funds from XXXX. 
I disputed the charge with CashApp and they denied the claim and has refused to refund the charge. 

Neither XXXX nor CashApp will respond to my request for an update on where these funds are.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX TD AUTO FINANCE XXXX UNION HOME MORTGAGE XXXX XXXX XXXX HM XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE CREDIT XXXX XX/XX/XXXX BANK OF XXXX XXXX XXXX BANK XXXX XXXX XXXX SYNCB/ROOMSTOGO XXXX THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME MORTGAGE XXXX XXXX XXXX HOME MOR XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THD/CBNA XXXX XXXX FIN SVC XXXX XXXX XXXX XXXX TD AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge-off from 2016 that has already been removed by XXXX   for inaccuracies in the reporting. The creditor is XXXX XXXX / XXXX. 

I have sent multiple letters with documentation and Experian refuses to remove it but does not offer any valid reasons why. I have demonstrated over and over that it has clear errors. Please help.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove collection/negative items or provide an option for online dispute for these inaccuracy accounts from XXXX XXXX Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts are still showing on XXXX XXXX Equifax. I have contacted Equifax via Phone on XX/XX/2023 and many times before that. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About one month ago I called BofA hardship department and was treated rudely by a customer service rep. Instead of listening to my concerns, he just repeated his script that interest is assessed after the promotion ends and that is the contract. After about five minutes of this- he finally understood I was asking for the hardship program. He asked a few questions, then stated I did not qualify - although I already have another account with BofA on the program. He recommened I go to credit counseling. 
I filed a complaint with the XXXX that same week and after a week or so was finally contacted by phone from BofA corporate offices. I was told they will review my request and get back to me. I just received today XX/XX/XXXX a denial notice from BofA for my request. My balance is only {$4600.00}. I replied today to BofA that this denial was unacceptable and illogical. I have already filed multiple complaints with BofA because their attitude is the customer doesn't matter and they would rather see me default on the account. I have never missed a payment on any debt owed. I have no problem paying the balance owed, I am just making what should be a reasonable request to place the account on a lower interest program, just as they did with my other account I have with BofA.
Product: Debt collection

Hi, I went in for my annual XXXX on XX/XX/XXXXand had my XXXX XXXX completed by XXXX XXXX. I discovered billing coding error this XX/XX/XXXXafter I was denied credit for a refinance. We I called XXXX XXXX third party collection agency Credit Service Company, XXXX XXXX XXXX XXXX XXXX CO XXXX phone XXXX, to get a copy of the bill for my doctor. The bill had a billing address on XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I have never lived at that address or used it for mail. The only way I could get anyone at XXXX XXXX to talk to me about the billing error was to pay the bill. The collection agency stated the payment would not be acknowledged on my account for 3 to 5 business days, when XXXX XXXX gave the okay to call the debt as paid in full. I verified with the collection agency that they reported the payment to the credit bureaus, however it would take 60 to 75 days to report. I sent the proof that there was a coding error to the collection agency in XX/XX/XXXX, however they said they have not reviewed it. I spoke with XXXX XXXX today and they acknowledged that they had incorrect account information for me. I have not been able to get anyone in either organization to look at the documentation from my doctor about the billing error and now I can not get refinanced at a reasonable rate, even though my credit is paid perfect other than the billing error. Also, my wife had this debt reported on her credit, even though the services were for me. She did not sign any paperwork accepting liability for the debt.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Product: Vehicle loan or lease

Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am writing in reference to the collection activities currently being pursued by your company regarding the allege debt associated with account number XXXX with an amount of XXXX. I dispute the validity of this debt and request that you immediately cease and desist from any further collection activities until you have provided me with the following documents 1. Forward Flow Agreement : A copy of the original Forward Flow agreement that demonstrates the transfer of the debt from the original creditor to LVNV Funding LLC ( not the bill of sales ). 
2.Change of Assignment : Documentation that clearly shows the chain of assignment for this debt, including any documents that details the assignment of the debt to LVNV Funding LLC .

Please be advise that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, and you are required to cease all collection activities until this verification is provided. I request that you send me the required documentation within 15 days of receiving this letter. I request that you immediately cease all collection activities related to this matter and remove any negative reporting to/from the 3 credit bureaus. failure to comply with my request will result in me considering further actions to protect my legal rights This request is made pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Debt Collection Practices Act. Please confirm receipt of this letter and provide me with the requested documentation at the earliest.
Product: Credit reporting or other personal consumer reports

The CFPB closed my last complaint even though my issue with Equifax was never resolved. Complaint # XXXX should not have been closed. My Equifax account has multiple credit inquiries that were NOT authorized by me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a bill from a XXXX XXXX who says that he interpreted ( 2 ) venous duplex while I was admitted. He was paid by the insurance what they allow for that type of service. He called me and asked my to ask my insurance company to pay more and I told him that is what they allow for that service. He then sends it to a collection agency Remex ( XXXX ) XXXX. When they contacted me I told them that he was already paid for his services and that I don't owe him anything. He was not a providing physician for me all he did was interpret the venous duplex he did not perform it. He trying to charge me as if I went to his private office and he used his private equipment and performed the venous duplex which he didn't. The reason I need help is because Remex has put this on my credit report, what can I do to remedy this?
Product: Credit reporting or other personal consumer reports

The information is not mines please remove it from my report please
Product: Credit reporting, credit repair services, or other personal consumer reports

On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX   transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX Equifax Credit Report XXXX XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX XXXX  statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Product: Checking or savings account

On XXXX XXXX, XXXX, I applied online to BMO Alto for a 12 mo cd with JOINT OWNERSHIP. It was crucial to make this joint since the amount we were funding exceeded the {$250000.00} FDIC limit. The application process asked me for the funding amount ( {$360000.00} ) and institution ( XXXX  XXXX checking account ) which I provided. I gave them both joint owners names, social security numbers and other relevant data. 

On the same day, XXXX XXXX  I was emailed a welcome letter. 
XXXX XXXX  I was emailed an External account added to BMO Alto indicating the addition of my XXXX XXXX external account was successful. 
XXXX XXXX  I received an email titled Your BMO account ownership status saying we regret to inform you that were unable to honor your request to add XXXX XXXX to your account. This is to let you know that your account will remain in your name only. 
XXXX XXXX  my husband received an email titled Your BMO Alto application has been declined. This email just stated that his account application has been declined and there was NO REASON GIVEN. 

The next morning ( XXXX XXXX, XXXX ) at XXXX XXXX  I called BMO Alto at ( XXXX ) XXXX. I explained to the representative that since I opened and joint cd account and the joint owner was rejected I should get my investment returned. I was told that even though I applied for a joint ownership cd, since the joint owner was declined it automatically opened as a single owner. Furthermore if I wanted to cancel and get my money back I would be penalized for fees amounting to roughly 6 months of interest. He stated that if I added my husband as a beneficiary it would add an additional {$250000.00} FDIC insurance. We were skeptical however added my husband as a beneficiary since we felt we had no other option. The representative assured us we would be completely covered by FDIC and referred us to the FDIC EDIE system, provided us the banks certificate number ( XXXX ) and location ( XXXX, IL ). This information proved false as well. We learned that we had {$110000.00} not insured after adding a beneficiary. 

Our complaint is threefold. 1 ) We applied as a joint owner. If BMO Alto could not satisfy this request they should have informed us and given us an option to cancel without penalty. 2 ) My husband was declined as a joint owner and BMO Alto did not provide us with a reason for this rejection. 3 ) We were told that the addition of my husband as a beneficiary would increase the FDIC insured amount. This proved to be false. 

Thank you,