23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. 

After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. 

XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. 

How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. 

I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.
Product: Debt collection

I contacted XXXX about multiple misleading accounts on my credit report. They still have not fixed these issues. i have missed out on multiple credit related products due to XXXX  mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is simple. XXXX XXXX XXXX XXXX is reporting that my DOFD ( DATE OF FIRST DELINQUENCY ) on the auto account as XX/XX/XXXX. 
I obtained financing for the vehicle in XX/XX/XXXX. 
There has been negative ( XX/XX/XXXX day late/repossession ) activity on this account dating back to XXXX. XXXX XXXX does not report ( appears as NO DATA ) to the Credit Reporting agencies this information. 
This in tandem with the incorrect DOFD of XXXX " re-ages '' this debt, causing it to remain on my credit report well beyond the time it should appear. 
Numerous letters to XXXX and the credit reporting bureaus have produced no results other than notification that the " account has been verified. '' This is a gross violation of the FCRA. My next step is to seek a consumer protection attorney, to litigate the matter. My creditworthiness has suffered, my emotional stress and injury has been due to the fact that this error remains, and the companies involved will not simply review my accounts manually and see the errors. The account should be deleted in its entirety because the XXXX " starts the clock '' regarding the 7 years the info should remain on the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My account was referred to XXXX XXXX XXXX collections company in the amount of {$190.00} with a card ending XXXX. The account has been settled in full by means of XXXX XXXX XXXX. The account is still being reflected as a charge off bad debt/unpaid balance on XXXX, XXXX, and Experian. I have disputed this account to no resolution. I am seeking assistance in rectifying the credit reporting for this account.
Product: Mortgage

A recent complaint to the Federal Reserve found itself here. This was by forwarding the complaint in my name to Consumer Financial Protection Bureau. 

Submitted to the CFPB on XX/XX/2021 XXXX The company has responded to my issue and called my phone number with verbal requests. 
My complaint is that the women servicing the complaint for Bank of America is not answering her voicemail. I called her right back after her first and only message to me. I have left messages for her everyday for weeks. She is not responding and I am concerned that Bank of America is ignoring my claims that it has attempted to sell assets such as repairable homes to single home investors for cash only. 

I am a first-time buyer looking for a home. I am currently living in a temporary housing area. It is not fair that the Realtor would not accept an offer by me or office. They were legally bound to place the home on the NJ MLS and advertised the property as not allowing offers. 

The Realtor told me that BoA has a private portfolio of homes it owns under BANA. He has ignored my legal right to purchase the home with government financing and blames the Bank of America owner for his discrimination. 

This second complaint is for XXXX found at phone number XXXX XXXX XXXX Ext. XXXX. Please have someone with means contact this girl as, she is ignoring the bureau!
Product: Credit reporting

they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.
Product: Debt collection

I have a lot of XXXX  problems and therefore a lot of XXXXl bills. I have been religiously paying my medical bills on a payment plan with XXXX every month per the agreed payment plan submitted and accepted online, despite being unemployed. However, XXXX keeps sending my debt to a debt collection agency and collecting the same debt that I have been paying. This has been ongoing for months! I believe they are trying to obtain payment twice! My husband went through the same thing XXXX years ago when he had a XXXX XXXX and we found out that they were billing him twice! 

I think this type of tactic should be ILLEGAL, and I believe it is fraudulent to collect debt that is already being paid. They are sending these collections thru XXXX XXXX XXXX XXXX XXXX  . I don't know who is being fraudulent and trying to collect on the same bill twice, XXXX or XXXX, XXXX. But it is not right and should be stopped! I have contacted XXXX and XXXX, XXXX, but awaiting response from both companies. 

I hope this has not been affecting my credit, because I am trying to buy a car and have not been able to get approved since my debt to income ratio is high, but also because my score has gone down. I am afraid that part of that is secondary to having this XXXX debt registered twice and in collections. Please help.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Mortgage

On XXXX the XXXX my mortgage loan was paid off in full to homebridge financial services and I was to receive a escrow refund check from the mortgage company homebridge financial services. The escrow check that I was to receive in thirty days never received the check at my address.I have made several phone calls to the mortgage about this issue but have not made any head way into resolving this issue with them. They assured me that they would stop payment on the first check that I never received. And they assure me that they would send out another check that they said should reach me within five business days which as of this date has not been delivered to my address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from Transunion, XXXX, or the collections agency. This account needs to be removed based on my rights via the FCRA.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX too all for proof of last payment recieved date as well as proof of late payments recieved. They told me they didnt have this information and therefore could not send it to me. If you dont have this information how are you able to verify late payments to XXXX Transunion and XXXX XXXX If you do have this information it needs to be sent to me as I requested to as proof that these supposed late payments are correct. If you can not verify them I request that you remove them as it is illegal to report wrong or unverifiable information on credit reports. Thank you very much.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : The payment was marked as late, but I did not receive the periodic statement at least 21 days before the payment due date. 
Late Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Money transfer, virtual currency, or money service

XX/XX/19 - Used debit card through paypal to make payment to an individual who scammed me for tickets XX/XX/19 - used a different debit card through paypal for additional ticket to same individual. did not realize that the person paypal sent the money to was a scammer.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy on XX/XX/XXXX. Netcredit or NC Financial was included in the debtors listing and was notified by several methods by my lawyer. During the entire bankruptcy process netcredit continued to report the account as a charge-off and a collection. My bankruptcy was discharged on XX/XX/XXXX. I tried disputing the account multiple times through all my credit reports and they all returned that netcredit verified my account as accurate. This was a deliberate lie. I tried contacting netcredit myself on several occasions though email and they finally responded and said that collection efforts would continue. Once I received that email, I contacted my lawyer again. My lawyer reopened my case and filed a lawsuit against netcredit for violation of the Discharge injunction. Once this happened, my lawyer could not even get netcredit to respond to her. No one ever once contacted her back, nor did they show up to court on XX/XX/XXXX and Netcredit was found in contempt. For the sanction hearing, once again there was no contact from netcredit and no one showed up to court. Accordingly, the Court entered an Order : ( 1 ) Holding NetCredit in Contempt Pursuant to 11 U.S.C. 105 ( a ) ; and ( 2 ) Scheduling Hearing on Sanctions, ECF No. 24. entered on XX/XX/XXXX. As of today, this company is STILL continuing to report this account as an account in charge-off and collection status, multiple late payments, reporting as derogatory and stating that it was sold to another lender. There is no other lender that holds this account because they would be violating my bankruptcy rights by reporting. I have been fighting this company for a year now, post bankruptcy filing and they do not care at all about violating any laws. I am about to file another lawsuit with my lawyer and I want the entire account removed from all my credit reports as they have greatly harmed the fresh start I was promised. 
Not only do they not care about consumer credit reporting laws, they are predatory lenders that charge extremely high interest rates, exorbitant fees and keep adding them on despite closing the account and will not provide any documentation. I want it all removed from my credit reports and I never want to hear from them again.
Product: Credit card

I placed an order with XXXX XXXX  ( Comenity Bank ) around XX/XX/23 totaling {$100.00}. I was given a credit card with a {$500.00} limit. I received my first bill in late XXXX indicating that {$30.00} was due by XX/XX/23. I set up payment from my checking account and sent my first payment of {$30.00} on XX/XX/23. In late XXXX, I received my second bill showing a balance due of $ {$130.00} indicating no payment had been received. I called number listed on my bill but kept getting recordings, I requested my account be closed on this automated system. I tried calling the order number and asking for someone in billing. I talked with someone who stated the payment was probably late since it takes XXXX days to get to them. I informed him that even if it took that long it should not have been late. I was put on hold and told that the payment had been received and they had removed the {$30.00} late fee and I owed {$76.00}. I was also told that I needed to add Comenity Bank to the name on my XXXX deposit so that the payment would be credited correctly, which I did. I was shocked when I received my bill due XX/XX/23, where I was charged a late fee of {$37.00} it showed my first payment had been received on XX/XX/23. When I called I was told that there was no way to guarantee a payment to be on time unless paid through there system. I made the {$37.00} but filed a dispute on my balance. They say after reviewing their records they located my payment pm XX/XX/23 and that I owe the late fee. They claim I now owe {$50.00}. What i really owe is {$7.00} plus interest. As of XX/XX/23 they say there is nothing they can do. I am refusing to pay the Late fees because I know all payments were on time.
Product: Credit reporting

i have a account that was that was a utlity account back in XXXX with XXXX company ... ..the account was paid and closed in XXXX ..i have contact experian on several occasions and disputed that date that the account was paid with the company ... .and it was not varified it was just updated every time the dispute was made to a more recent date ... XXXX failed to confirm the exact paid date ... ..just kept updating the information to the current date that it was disputed ... ..the account was never a charge off ... .the company failed to varify the correct information ... .and remove the trade line resulting in a more paid in full charge off when it should been removed because the company could not varify correct information ...
Product: Debt collection

I went to the hospital for a problem and am XXXX. I gave the hospital my insurance information. Later on I received a debt collection notice from XXXX Hospital so I called them and again gave them my XXXX insurance information. A long while after that I received something in the mail from a collection agancy so I disputed the bill with them advising them that I had insurance at the time and it is up to the hospital to submit the claim through XXXX. I just checked my credit report and it has a collection from Avante USA from XXXX XXXX XXXX Hospital. I have proof of insurance from XXXX if necessary. It is not my fault they did not correctly bill my XXXX insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting company - signs up the user automatically for a {$20.00} per month " credit monitoring fee '' when simply visiting the site to understand the current report. 
This large company operates a very misleading and essentially fraudulent web site as it implies it is advancing to the one free credit report, but it is actually signing up the visitor for a pay as you go service. 
They did cancel the account for me after I called and spent time on the telephone, but they should not have any license to operate as they intentionally mislead the public regarding credit reports. 

I hope they are removed from any activity within the financial reporting system in our country. They are a complete fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Team EXETER FI, In accordance with the Fair Credit Reporting act 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of EXETER FI XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request DeaXXXX XXXX, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a synchrony bank saving account. I want the money to pay the rent by end of this month. So I started transferring money from the bank this Monday ( 1 week before ).

After my money is in 1 saving account ( after closing a CD, which took 3 days ) I added one of the XXXX XXXX account I have yesterday and initiated a transfer. But that was cancelled by bank and lock the account saying it is unsafe. 

Today morning and evening I called synchrony bank and gave all the information they need to unlock the number. But they said they can't unlock it and wait for some security department to unlock it. 

But I want the money at the end of the month to pay the rent. I want {$7000.00} for that. And they say they can't do it.
Product: Debt collection

I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.