23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lost my job after the pandemic began and fell behind on several obligations. I enrolled in a hardship program with XXXX XXXX for a XXXX account. I couldn't keep up with the payments because my unemployment benefits ran out. When I started working, I began working with a debt management firm that has paid XXXX every month. However, they still assigned my account to a collection agency. 

Recently, I received a letter from XXXX that indicated a settlement offer with a payment I could afford. However, the collection agency never informed me of this and instead I needed to pay a larger amount with a higher settlement balance. Today, XXXX called to tell me that XXXX is no longer willing to honor the smaller amount and monthly payment amount because of " agreements crossed. '' I was paying XXXX and the agency and didn't realize this. I can not afford this and not able to pay my rent and other expenses. I can't find the letter on the XXXX site. I feel like I have been hoodwinked by XXXX and XXXX.
Product: Credit card

I currently owe ( according to my XXXX on XXXX ) : {$11000.00} I am currently enrolled in a Payment Assistance Plan ( since XXXX XXXX ) When I made the agreement to do the Payment Assistance Plan, I was in my car and unable to provide a checking account number to enroll in the auto payments. 
In that call, the CSR offered to call me back in early XX/XX/XXXX to set that up before the next payment for the Payment Assistance Plan was due. 
I never got a call back about enrolling in the auto payment plan. 
I continued to get statements from XXXX asking me to pay the full amount due ( in the $ XXXX range ) as though I wasnt even on a Payment Assistance Plan.

I have never been contacted about the {$110.00} ( approximately ) monthly payment owed. 
I tried to remember on my own and pay the amount about the same time every month as the original agreement in XX/XX/XXXX. 
I made the following payments through my wallet ( although I didnt always remember the correct $ because I wasnt getting reminded about that amount on my wallet, email, or phone call. I was only being asked to pay in excess of $ XXXX still. 
XX/XX/XXXX Manual Payment : {$110.00} XX/XX/XXXX Manual Payment : {$120.00} XX/XX/XXXX Manual Payment : {$110.00} ( clearly I remembered the amount wrong and underpaid ) XX/XX/XXXX Manual Payment : {$110.00} In XX/XX/XXXX, I realized that Ive had four consecutive months of delinquent payments on this card reported to my credit reports even though Ive been paying. On one of the continual collection calls I receive, I once again tried to explain what was going on to get everything fixed. 
A kind CSR told me the following : My payments dont count as payments for the Payment Assistance Plan unless they happen ONLY on the last day of the month. Meaning that my payments havent counted, according to her. And the one that was short counted as no payment. 
I asked her to get me enrolled to help resolve the issue and she directed me how to do it myself. Thats why I have made TWO payments in XXXX : XX/XX/XXXX Automated Payment : {$110.00} I get constant collection calls despite having paid up. 
I can not seem to get this resolved with a human being. 
Sometimes I get lectured about it all being my fault or the system is not smart enough, or talk to a supervisor. 
Ive spent hours and hours and hours on the phone and am getting nowhere. 
As a consumer Im trying to do the right thing. Okay, I underpaid in XXXX, but XXXX said I owed over {$800.00}! I was trying to remember the correct amount. Okay, I guess I was paying too early for it to count, too!!! Im getting dinged on my credit report. Am I still being charged interest ( not supposed to be while enrolled in this program )??? 
I need someone to solve this problem urgently! This letter is going to everyone. I need action.
Product: Credit reporting or other personal consumer reports

I am listing XXXX Authorized users from my Experian, Transunion and Equifax credit report. XXXX XXXX AUTHORIZED USER XXXX and XXXX XXXX AUTHORIZED USER XXXX the listed authorized users do not belong to me and must be removed from my Experian , Transunion and Equifax credit report. i had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark listed authorized users as fraudulent and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Product: Credit card

Everything started around XX/XX/year>. I received a strange call from a Wells Fargo representative that asked me if I had applied for a new credit card at their bank. My answer was an immediate no, the representative said thank you and have a nice day. I did not get a chance to question the representative at all, since they chose to hang up the phone right away. On XX/XX/year> I proceeded to place a credit lock and credit freeze on all the XXXX major bureaus with a successful result. Yesterday, XX/XX/year>, I received a brand new credit card from Wells Fargo in the amount of {$12000.00} credit. Today, XX/XX/XXXX, I contacted Wells Fargo and reported the fraudulent credit card opened without my consent, they began their investigation. I also contacted XXXX, since I was able to identify the inquiry done on XX/XX/year>. They have also began their investigation. XXXX recommended I followed with a claim on this website and have to send the paperwork to their page in other to have the backup to proceed with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of XXXX  XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone stole a Federal Student Loan check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank Key Bank ) and was able to open a fraudulent account at XXXX XXXX XXXX with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. XXXX  XXXX XXXX denied a claimed filed by the issuing bank ( Key Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of XXXX XXXX XXXX confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of Key Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?
Product: Debt collection

I received an email from XXXX XXXX XXXX on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of XXXX XXXX XXXX. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to XXXX XXXX XXXX was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account by the name XXXX XXXX XXXX XXXX Is reporting to my credit without any legal grounds and experian I will hold responsible in court for wrongfully verifying an account who is wrongfully reporting on my credit falsely claiming I have entered into a contractual agreement with them when I have no knowledge of ever signing anything or doing business with them at all. I have asked for validation of this contractual agreement, I understand that it is as easy as entering information into a excel sheet and sent to the credit bureaus and information can be reported to anyones credit and that companies can take advantage of this and wrongfully report to an individuals credit so I want the contract they claim they have that they have claimed I signed with my signature if it can not be produced and this account is not removed for wrongfully reporting I will be forced to sue experian for giving me a computer generated cookie cutter response when I am actually being targeted by predatory credit reporting practices. I have attached the photos showing experian took only 1 day to investigate my issue, I also want to know the exact steps they took to validate this account.
Product: Credit reporting or other personal consumer reports

I put in dispute and they say info was verified I don't know how it was verified, when I'm complaining that it's not correct
Product: Debt collection

This is an attempt to collect a monetary Judgment that was entered in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against Scotts and Associates , PC for the amount of {$5000.00}. 

Judgement was entered on XX/XX/year> by Honorable Judge XXXX XXXX XXXX XXXX 

Petition to Open Judgment by Scotts and Associates, PC was DENIED on XX/XX/year> by Honorable Judge XXXX XXXX.
Product: Debt collection

15 USC 1692CC if a consumer notified a debt collector he or she have to preside a sign document showing that the debt belongs to the creditor. from the day the communication start up to 30 days if no response or proof of documents it should be removed from the credit report.its not lawful to sale your account to a XXXX party without you consent
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX loan account was paid in full on XX/XX/2023. XXXX  is still reporting a balance on this account to the credit bureaus. I have emailed XXXX and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
Product: Debt collection

I filed bankruptcy and the debt wa s discharged and  it 's still on my report a year later.
Product: Debt collection

On or about XXXX XXXX, I took my son XXXX to XXXX XXXX located at XXXX XXXX, XXXXXXXX XXXX  NJ XXXX for a XXXX XXXX I took my son toXXXX XXXX because his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX retired after takingall my children to him for approximately 30 years. Unfortunately, I was erroneouslyled to believe by XXXX XXXX that I would not receive a bill because they are in networkwith XXXX and they treat patients for urgent AND NON URGENT MATTERS. Sadly, XXXXXXXX XXXX is trying to be slick by INTENTIONALLY billing XXXX at an urgent care rateknowing that XXXX is not going to pay because a physical is not an urgent matter.XXXX  may have paid XXXX XXXX approximately {$60.00} IF, XXXXXXXX XXXX had billed themcorrectly because they are in network and have a contractually agreed upon setprice. XXXX is culpable too. XXXX is aware XXXX XXXX wrongdoing because I notifiedthem of the crime that XXXX XXXX committed to complain about the billing and XXXXTRIED to use an excuse by stating that XXXX XXXX  is an XXXX XXXX faculty. However, XXXX is INTENTIONALLY IGNORING the fact that XXXX XXXX treats urgent and NON -URGENT matters so they would not have to pay any bill. Therefore, XXXX shouldhave advised XXXX XXXX  to correct their erroneous billing and XXXX should have paidtheir contractually agreed upon set-rate of approximately {$60.00}. XXXXXXXX XXXX  is inNetwork with XXXX. A XXXX  IS NOT an urgent matter and XXXX XXXX DECEIVEDthe subscriber into believing that he would not be billed because XXXX XXXX treat/seesurgent and non-urgent patients and a XXXX is not an urgent matter, however XXXX is trying to be slick and deceive XXXX and the subscriber by billing XXXX as if XXXX is an urgent matter so that they increase their profits! This is criminal! Now, the FAKE bill has been sold to Simon 's Agency Inc., this is criminal!!
Product: Credit card or prepaid card

On or about XX/XX/2023, Citibank Mastercard acknowledged receiving my payment in full, and knew that the payment cleared my bank at Wells Fargo, but did not release the payment for two weeks and were holding it making money leaving it in their interest bearing general bank fund for Citibank. 

Citibank calls this new policy floating the payment, and it is illegal because they do not disclose that this will happen, and have no real justification for it as I have made all my payments on time and have been in good standing. 

Need your help to stop this illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SHUT DOWN AMSHER ( www.amsher.com ). This " collection agency '' is a fraudulent company that has used my information to fraudulently try to collect on a debt of {$82.00} and has fraudulently added this to my credit report. 

I have called XXXX on XX/XX/2023 and confirmed with '' XXXX '' that XXXX is NOT affiliated with Amsher as a 3rd party debt collector and that I do not have any debts with them, past or present.

I have contacted Amsher, also on XX/XX/2023 by phone at XXXX several times and the phone disconnects each time. I called back and stayed on for an operator and spoke with a " XXXX '' who asked for my personal info, which I did not give and she said she was transferring me to the " XXXX XXXX '' and immediately hung up. 

I called again, and spoke with an " XXXX whose accent changed XXXX and he also was reluctant to stay on the phone and denied that they are not affiliated with XXXX and hung up. 

I am only one consumer who has warned XXXX that they are being used, but if they hear it from the CFPB maybe they will do their part as well. 
You have over XXXX complaints about this company, and the fact that they can operate on scams with impunity and without penalization is unfair to hard working consumers like myself, who already find it hard to raise and keep a reasonable XXXXredit score. 
Please, please DO SOMETHING!
Product: Credit reporting or other personal consumer reports

My personal information has been unlawfully used with the following account : XXXX XXXX XXXX As of today XX/XX/year>, only XXXX and XXXX have closed this account after acknowledgement of dispute. Equifax has failed to close or remove this collection after my request. I am requesting this to be removed from all three credit bureaus. I did not grant permission for any bureau to add this collection to my credit report. It must be removed immediately as my rights have been violated. 

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is a request for VALIDATION made pursuant to the above-named Title and Section.

The following laws have been broken : Code 681b- Permissible purposes of consumer reports ,18 U.S. Code 1028A- Aggravated Identity Theft 15 U.S.,15 U.S. Code 6802- Obligations with respect to disclosures of personal information 15 U.S. Code 6801- Protection of non-public personal information 15 U.S. Code 681c-2 Block of information resulting from identity theft 15 U.S. Code 1692g- Validation of debts 15 U.S. Code 1692c- Communication in connection with debt collection If this continues, I will not hesitate in bringing legal action against your company and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies.

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA.

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, XXXX XXXX
Product: Student loan

I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d  after 10 plus yrs of payment, it is now  XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe  XXXX .
Product: Checking or savings account

Bank of America refuses to return my money even after I showed them that the check that was use on an ATM to withdrawn cash in another state has handwriting and signature that does not match mine.
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 XXXXXXXX XXXX Account # 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.
Product: Credit card or prepaid card

Greetings, Attached please find the support documentation for my case against American Express. I have included the individual charges and all communication I received once my initial dispute was filed with AMEX. I have also included online news articles from multiple reputable sources covering the disappearance of our caterer. 

Our caterer ( called XXXX XXXX ) charged us a total of four times for catering services scheduled to be rendered at our wedding on XX/XX/XXXX. In XX/XX/XXXX we received word from our venue that the owner of XXXX XXXX had closed the business and taken all of the funds we had paid ( The owner is still on the run and can not be held responsible until brought to justice ). When this information was presented to American Express, they initially granted us a refund and later took it back because we gave the business permission to charge the account. While true, we authorized the company to charge in anticipation of services rendered. We were not rendered the services promised and our money was taken. This breach of contract is a clear case of fraud. 

Please be in touch if there is any additional information we can provide. We have filed this complaint with the Comptroller of Currency and they have redirected us to you. 

Thank you for your time. 
Best wishes, XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX- I called to make a payment due to a payment being returned. The payment that was returned was an incorrect account number. I did not provide this account number to the company for this particular payment. It seems as though their system pulled an old account number that hadnt been used since XX/XX/XXXX. I requested for the fee to be waived, the representative by the name of XXXX XXXX XXXX was extremely rude, antagonistic and argumentative. He refused to transfer me to a supervisor and pretended as if he was hanging up on me. He advised me it was my fault the payment didnt go through and there was absolutely nothing he could do to help me. He placed me on hold and told me Good Luck very sarcastically. I remained on hold over 20 mins. I finally spoke to a woman who never provided her name and hung up on me while I was explaining my complaint.