23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Afternoon CFPB Personnel, I pray that this message reaches you in great peace. When Sending the Debt Validation Letters to Pro Collect, I found the information to be faulty and incomplete. I specifically asked this company to produce the following pieces of information : XXXX XXXX XXXX XXXX Texas Sec of State surety bond Original Documents with signatures This company bought illegitimate debt from a company during the covid-19 pandemic. The release of the account information is in violation of the FCRA Section 392.101 of the Texas Finance Code ( prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State ). Pro Collect has not filed a surety bond with Texas therefore can not collect Debt in the state of Texas as a Third party Collection Agency Please make contact with Pro Collect to make them comply with Federal and State laws. The contact information of this Company is below. Thanks so much for you time.
Product: Student loan

On XXXX XXXX XXXX my payment of {$1500.00} posted on my bank account. I waited a few weeks for it to post and it never did. Then I called and waited on hold a few hours and was told it would take 90 days to post since I was still a student. As of XXXX I am not longer a student and I made a second payment for {$2100.00} and it posted immediately. I called a second time to find out why my XXXX payment has not posted yet and she said ( after being on hold 4 hours ) that she knows I made the payment but it just takes longer to past and it should post by XX/XX/XXXX. On XX/XX/XXXX I called again and waited on hold for XXXX hours. The lady who answered said she saw I made a payment but it may take up to another 90 days to show. I explained I needed to know how much I actually owed so I could continue to make my payments to pay off my loan before my wedding this year. According to the site not only was my payment not showing but I was still being charged interest on the loans I paid off. I asked to speak to a manager and was just put back on hold and no one ever came back to the line. Another 6 hour phone call with no results. I simply want my payment to post so I know which loans to apply my next payment to. Please help!
Product: Credit reporting or other personal consumer reports

Credit inquiries were put on my credit report without my permission. 

ONEMAIN Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I have been harrassed by XXXX collections agencies & a law firm, disputed the debt and nobody has proven that it is mine. It just gets passed by PNC Bank to another firm when one returns it. I have no dealings with PNC Bank whatsoever, and they have never contacted me directly or responded to my inquiry. For at least the last 12 months, a law firm is reporting an open collections sum on my credit report, which has prevented me from getting jobs in my chosen profession. In calls to them, they say they will send me substantiation of the debt, along with identity fraud paperwork since I 've told them it is not mine, and I have never received a single thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMEN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.
Product: Mortgage

Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   XXXX   XXXX
Product: Debt collection

I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.
Product: Credit reporting or other personal consumer reports

I received notification that a hard inquiry hit my credit report on XX/XX/year>. I reached out immediately to this company to find out how they have my info and to shut it down since I didnt start this loan request. I didnt receive a response. The next day I received a call from a rep asking if she could finalize my loan. I told her no, shut it down since it was fraud. I asked how it happened and for the investigation. She shared if I had already reached out I would be contacted shortly. No response. I need to have this removed off my credit report immediately. I also need to know who authorized this loan, where they are trying to have this money sent, and how this happened. This is unacceptable for them to receive a report that someone is fraudulently trying to open a loan and they just ignore it.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding the inaccurate reporting of a debt by Transworld Systems on my credit report. In XX/XX/year>, the credit bureau removed this debt after I disputed its validity, confirming that it was not mine or had been paid in full. 

Despite this resolution, I have recently noticed that Transworld Systems has re-added this same debt to my credit report. This action is not only misleading but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that any reinserted information must be verifiable and accompanied by appropriate notification to the consumer. The reappearance of this inaccurate debt is causing significant harm to my creditworthiness and overall financial standing. 

I have made multiple attempts to resolve this issue directly with Transworld Systems, providing evidence of the prior removal and disputing the validity of this debt. Unfortunately, my efforts have not resulted in a satisfactory resolution. 

I urge Transworld Systems to take immediate action to correct this erroneous reporting and remove the inaccurate debt from my credit report to prevent further damage to my credit profile. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian Late fees and Closure of accounts which reflect badly on XXXX XXXX XXXX 's behalf. ) I disputed this information a couple of times there are also some addresses on my report that should not be at all. 

Date Submitted : 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 These reports have late charges and /or need closure of the web bank account in any case the XXXX XXXX  is late fees that do not agree with the facts and according to 15 USC sec 1681, it is my right not to have these late fees reflecting on my account when my account is active and current also, there are many inquiries I did not myself inquire for and are spread throughout my account that are not attached to my XXXX accounts on record this is a bad mistake as well on their part and I would like nothing better than to continue using this great system to better my future.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 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
Product: Debt collection

XXXX XXXX from Advanced Collections XXXX is HARRASSING my daughter for a FRAUDULENT ATTEMPT TO COLLECT A DEBT THAT SHE DOES NOT OWE. According to the XXXX  XXXX XXXX XXXX said the company called XXXX XXXX XXXX and XXXX XXXX XXXX  homes are operating with a NON-VALID Real Estate Licences and have a closed facility due to the death of the previous owner of the business thus by law can not make demands in association to pre-existing closed Court Cases. COURT CASE was DISMISSED WITH PREJUDICE ON XX/XX/XXXX WITH AGREEMENTS ON BOTH LIVE PARTIES WITH LEGAL REPRESENTATION. MEANING THE PLAINTIFF IS BARRED FROM FILING A LAWSUIT ON THE SAME ISSUE AT A LATER DATE. THE TEREMS OF AGREEMENT STATED THERE WAS A {$0.00} BALANCE OWED AS OF XX/XX/XXXX. 
The FRAUDULENT Debt collection attempt is for a dates in which we were not residing at the residance and inclusive of the time frame within the Legal Case which was dismissed. They have no Legal Justification to making any FRAUDULENT claims of Debts out of Retaliation. 
After the case was Dismissed with Prejudice I certified mailed them a DEMAND FOR DEPOSIT on XX/XX/XXXX and in Retaliatiion they responded on XX/XX/XXXX with a FABRICATED DEBT COLLECTION that VIOLATES THE COURT RULINGS. I RESPONDED TO THEIR FRAUDULENT DEBT COLLECTION ATTEMPTS WITH CERTIFIED MAIL ON XX/XX/XXXX WITH A CEASE AND DESIST AND NOTIFICATING THEM IN WRITING PER STATE AND FEDERAL GUIDLINES WITH A DISPUTE TO THE CLAIM OF THE FRAUDULENT ATTEMPT TO COLLECT A DEBT UNDER FALSE PRETENSES AGAINST STATE AND FEDERAL PENIAL STATUTES THAT PROHIBIT THESE CRIMINAL ACTIVITES.
Product: Debt collection

My identification was stolen while I was in XXXX used at the hospital I use.
Product: Checking or savings account

XX/XX/2022 the email states : This is a notification that you won't be able to use your online service until you confirm your information. We've taken this step to ensure the security of your account. 

Simply click " Confirm Now '' button and you'll be taken to a Bank Of America online validation page. 
PRIVACY STATEMENT | UPDATE YOUR EMAIL Confirm Now We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2022 Bank Of America is federally insured by XXXX. All rights reserved. 

XXXX I had a checking account for almost a year with Bank of America in XXXX XXXX. It was a regular checking account with direct deposit setup. I closed the account after resigning from employment at the time. I did close the account in person at the XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States That was XXXX months ago. Without employment I have no income. The monthly fee for a checking account was {$12.00} XXXX. I have applied for XXXX & XXXX last year. I am awaiting a determination discussion. I had to close the checking account to avoid going into debt from the monthly charge. I do not have any income to have a bank account. The account should not be a active account. I will contact the branch office in person when I am able to confirm the account was closed. To have my information safe I consider reporting this appropriate. I did have my identity possibly stolen this year. I received a notice from the IRS.gov requiring me to confirm my identity with XXXX because of possible other IRS tax fillings for my SSN. I have confirmed my identity with the SSA.gov & IRS.gov & id.me
Product: Credit card or prepaid card

I had a Sears CC for over twenty years. There were two late payments reported. One was XX/XX/XXXX and one was XX/XX/XXXX. I have always paid my balances when due. Back in XXXX and XXXX I did not pay online rather I paid my balance when I received a statement and mailed a check as I did not believe in online transactions. I believed my balance XX/XX/XXXX balance was paid in full and postmarked by the due date. I cant find my XX/XX/XXXX bank statement and cancelled check and the bank said they do not keep information that long. The Credit reporting agency did not show me proof that I was notified of my balance or provide me a copy of the post office stamp showing when I mailed my payment to them. I bring up these relevant points as I have on many times received postage for other individuals that did not belong to me or my addresses ( as a good individual I always mark the envelopes as wrong address and return to the post office for proper delivery ). I have also had instances where I mailed information for the holidays and their birthdays to my family members and experienced significant delays in delivery by the post office in the month of XXXX. I do not believe the credit reporting agency is fulfilling their fiduciary duties in performing a review of my account. I light of their lack of the agency not meeting their fiduciary duties in regard to my dispute I would like to file a formal complaint.
Product: Mortgage

My home is in foreclosure, and despite the fact that in XXXX, Caliber/XXXX Master Permanent Trust informed me that they were the new creditor/assignee of my mortgage, there is no recording in land records as to this day to support this, and further, XXXX, the supposedly " former '' loan holder still continues to be listed as the plaintiff in the Sheriff 's sale. I suspect that Caliber may be deliberately not recording recent changes in mortgage assignments to further enrich themselves, ( by avoiding paying the real estate recording fees ) and at the same time to shield themselves from legal action, as technically, XXXX is still the plaintiff. I feel that XXXX and Caliber are in colusion.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which is still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. The inaccuraries are highly injurious to my credit score ( XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, Public Law 91-506, title VI, section 611 subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after the re investigation. 

Account XXXX XXXX XXXX XXXX
Product: Debt collection

I keep sending this same letter that i upload to the CFPB but this company still lies to u and tell u that they send a letter out to me but its always a copy of an bill from anothe debt collect saying i owe them and when i ask for proof of burden or show me were i agreed to a contract or any debt with this company.
Product: Checking or savings account

Someone has stolen my identity they have been able to make fraudgulant charges on all of my banking accounts, and XXXX recent credit cards. They have used my credit trying to purchase a car. I have called all my banks to include XXXX, XXXXXXXX XXXX XXXX, credit one and XXXX  XXXX credit cards. I have made a police report. I have went to my local senators and have not seen or received any feedback. I filed reports to the fraud department and have been told they have 90 days to research the charges. I have not heard from anyone except for XXXX XXXX  which is " XXXX  XXXX XXXX XXXX  and a representative from the government office explaining it's the card company I must address this issue however I had the same issue with the other company the state used which was XXXX XXXX. The system will not allow me to put all the information at once. XXXX banks and my credit report as been affected.
Product: Debt collection

The Company Westlake Portfolio Management, states that I owe them for a vehicle that was purchased from US Auto Finance. The company US Auto Finance, LLC has gone out of business. In the contract with US Auto Finance , LLC it clearly states. " You agree to sign such agreements or documents as we may require to effect the terms and conditions of payment shown in this Agreement. You or we may rescind the retail installment sales transaction as provided in the Agreement if we are unable to assign the retail installment sales contract to a financial institution. Westlake Portfolio Management is a debt collector, they are not a financial institution. I do not have a contract with Westlake Portfolio Management. This company has been collecting payments from me, but they have not shown any documents showing that I have a contract with Westlake Portfolio, which is not a finance institution. They are a debt collector. This company has also reported on my credit report that I owe them money. I do not owe anything to Westlake Portfolio. US Auto Finance, LLC is the company who I finance my vehicle with. US Auto Finance, LLC is also on my credit report as being an open loan. Westlake Portfolio Management is not upholding the contract that U.S. Auto Finance, LLC had in place.
Product: Payday loan, title loan, personal loan, or advance loan

Title max was charging large amount of fees even after the car was damaged
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with Sage Stream for years with no avail. Sage Stream refuses to remove fraudulent information, they knowingly list on my report. I also have proof that their credit optics score is showing a low score regardless of negative information falling of the latest report. Score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX XXXX XXXX was recently removed and regardless of negative info falling off, the score dropped. Sage Stream optics score is designed to hurt the American Consumer. They attempt to keep consumers at a low score in hopes to sell consumers " consumer credit repair products '' for a profit. Sage Stream is colluding with multi national organizations to scam consumers for credit repair when they don't need it. Consumers need protection from Sage Stream. 
Sage Stream refuses to remove fraudulently listed information listed on my credit report. For years, they have retained fraudulently reported information, regardless of my communications with the company. Sage stream places the onus on the creditors that report to them ; however, I have confirmed with the creditors reporting on their consumer credit report that they have requested removal, and Sage Stream has not complied. Sage Stream violates the fair credit reporting act guidelines and needs to be fined by the FTC. Furthermore, the Sagestream " optics score '' is flawed. The score goes down regardless  of negative info falling off. 
XXXX needs to be removed as well. Also, phone number on file, I have used since XXXX, yet sage stream reporting " limited info at this phone number, '' they rate me based on phone changes which is a false narrative, lived at listed address for over ten years, I should have 0 inquiries. The score should be a perfect XXXX, regardless of their objections.
Product: Prepaid card

I received an Amex eGift Card. This included an email You have received an American Express eGift Card from XXXX. 

I clicked the link to validate the card on https : //balance.amexgiftcard.com/ # /account and it showed a balance. 

I attempted to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction was declined. I tried with various other amounts and spoke with XXXX 's customer support line - nothing ended up working. All transactions were declined. 

Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap Thank you for your cooperation