23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i was contacted by an agent asking about person who doesn't live with me or at my address, when i asked who was calling they refused to give any information. only to have person who doesn't live at my address or use my phone, call back number on caller id. i researched number found out it was Corner Stone Credit services. i called them back and explained to them that said person doesnt live at my address, doesn't use my phone, and told them to put my number XXXX on a DO NOT CALL LIST. that is when the lady got rude and said my number was put down as contact number. i said no my number is listed as an emergency contact not debt contact. and do not use it as such. that is when she got mad and said i am placing you on hold. that is why i am filing complaint as this is not good debt collections from these blood suckers.
Product: Payday loan, title loan, personal loan, or advance loan

bad information they have with me, company best egg account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents on XX/XX/XXXX but received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( XXXX # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXX XXXX  {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX  {$9100.00} XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Product: Debt collection

Repeatedly Called using automated dialer and left detailed message on voicemail of cell phone that is not in my name about their attempt to collect a debt. Messages left on XX/XX/21, XX/XX/21, XX/XX/21, XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. One Advantage was told to stop calling the first time they called. Harassment and voicemail messages continue.
Product: Credit card or prepaid card

XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX  they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credi Reporting act XXXX  AccounT # XXXX, has violates 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 reporting, credit repair services, or other personal consumer reports

hard inquiry on credit report fraud
Product: Vehicle loan or lease

I have a lease with Chase Auto Finance and they stopped my automatic payments. 2 payments were missed and I have now paid off these amounts. I explained to their agent that their documentation states that if you return the car, I would have to stop the automatic payments. But according to them, apparently when I extended my lease, I have to turn automatic payments back on. 

I just received a call from the agent that I spoke to last week telling me that they would not be able to back-date the payments after they had informed me that they would. 

I have been a loyal customer to them, have been very consistent with my payments on all except one occasion ( which was also mishandled early on in this lease according to my opinion of the events ) and they are treating their customers unfairly during this crisis. My wife was diagnosed with COVID and this has been a very stressful time for us. There are many customers that are suffering and to hear that there is no leniency during this time is very poor customer service. 

My credit has been negatively affected before because of their mishandling - all of my other creditors have been paid on time. I accepted that first incident and thought I could move on from that. This is unacceptable that they would do this during this crisis especially when I am caring for my wife and some of their documentation is confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX  will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX MY SSN XXXX DOB XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2023, a Bank XXXXf American balance transfer promotion was offered to me with 0 % rate on an existing card. I always pay my monthly purchases in full. I was told that I could get the balance transfer and as long as monthly I paid full purchases PLUS minimum payment, then I would not incur any monthly interest. I was suspicious and asked multiple ways whether I understood her correctly and she reassured me that monthly purchases PLUS min payment would not incur me any interest. 

In XXXX, they charged me interest, I complained, it was escalated and a 'manager ' repeated the above guidance ( monthly purchases PLUS min payment meant no interest ) and credited me the interest. 

In XXXX, they charged me interest again, I complained, it was escalated to a different 'manager ' who again repeated the above guidance and said she'd credit me and that it took 2 cycles for the 0 % to go through. 

I never got the XXXX credit and when I called again, a 'manager ' named XXXX said the XXXX credit request was rejected and that the above guidance ( i.e. monthly purchases PLUS min payment ) was not accurate. They had a record of my complaints but still continued to give me inaccurate guidance. I informed him that three different Bank of America employees misrepresented this offer ( as indicated by notes on the account ) and he said he could do nothing.
Product: Credit reporting or other personal consumer reports

For the last XXXX  years I have been fighting with EXPERIAN to correct their mistakes in hope to find some form of justice from their direct discrimination towards me and my reputation. I have submitted several complaints on XX/XX/XXXX and XX/XX/XXXX and now on XX/XX/XXXX. I was hoping that these complaints would be received and the problem corrected but EXPERIAN continues to damage my reputation by these inaccurate reports. I will reiterate yet again that is it EXPERIAN 's duty pursuant to the FCRA to report CORRECT and ACCURATE information on my credit report and file. EXPERIAN is reporting now XXXX inaccurate late payments for the XXXX account ending in XXXX. There are now XXXX additional new late payments posted on my credit report with XXXX negative months listed on my EXPERIAN report. This includes a XXXX  day late payment posted on XXXX XXXX XXXX  day late payment on XXXX XXXX XXXX day in XXXX XXXX, XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XX/XX/XXXX, and a XXXX  day in XXXX XXXX. This whole account was reported as fraudulent and a result of identity theft and the account was marked as CHARGE OFF by XXXX XXXX and closed. I had to go through lengths to get XXXX XXXX to correct their mistake and they had the nerve to reinsert the account under a different number from the original XXXX to a new XXXX ending in XXXX. 
Furthermore, there are several months showing on my report with " CO '', or charge off, in between the months that were reported with late payments. None of this makes sense nor has EXPERIAN acted in good faith in the matter. As previously reported, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thereby violating my rights pursuant to 15 USC 1681b ( a ) ( 2 ). I have made my case abundantly clear nad have laid out hard facts to support my case. This is injustice and I will not stand for it any longer. EXPERIAN will take off all late payments and never have it reported on my consumer report again.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

Ive received the following notice from WELLS FARGO : Your real estate taxes still need to be paid Pay your past-due taxes by XX/XX/XXXX to avoid an increase to your mortgage payment Dear XXXX XXXX XXXX Were reaching out because your real estate taxes still need to be paid.

1. If they remain unpaid, we may pay them on your behalf to prevent a lien on your property and possible loss of ownership through a tax sale.

2. Youll need to repay us for any taxes we pay on your behalf.

3. If we pay your taxes, we may set up an escrow account to collect for future tax bills. That escrow account can not be removed once it has been added and will increase your monthly payment. 
If you have not yet paid your taxes, make the payment to your taxing authority by XX/XX/XXXX. If someone else is responsible for paying your taxes, like a condominium association, let them know about the past-due payment right away. 
Note : Youll also receive a letter from us about this in the mail. 
If you have any questions or need further assistance, please contact us at the number below. 
XXXX XXXX XXXX Department Ive called them twice ( XX/XX/XXXX & XX/XX/XXXX ) advising that I dont owe any taxes. 
Asked them for details - they failed to answer any questions concerning the above notice. 
Send Wells Fargo ( XX/XX/XXXX ) the following response from the managing agent who collects my condo taxes : Dear XXXX, Your taxes are paid through the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards, XXXX XXXX XXXX Portfolio XXXX the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX XXXX XXXX Fax ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation of the alleged debt ( XXXX XXXX ) from I.C System which they have failed to provide proof, as it did not include any documentation supporting the validation of the debt. 
FYI. From what I truly know and what I can truly prove that : 1. You are not even authorized to Conduct Business in the state of Florida. 
2. The presence of this ALLEGED DEBT from you ( I.C. System ) significantly impacts my ability to access credit, secure favorable loan terms, and achieve my financial goals. 
3. Negatively impacts my creditworthiness to family members, friends, car, and financial standing. 
4. Defamation of character 5. ITS ILLEGAL for any collection agency to buy up any alleged debt from any original CREDITORS and come after any consumer. 
6. I did not give you ( I.C. System ) any CONSENT ( WRITTEN/VERBAL ) to report anything on my consumer report which violates my rights as a federal protected consumer. 
7. IDENTITY THEFT ( AGGRAVATED ) ; BREACH OF PERSONAL INFORMATION
Product: Debt collection

I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. 
SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX
Product: Credit reporting

I have requested validation and verification of this debt and nothing was sent as far as actual debt history and detailed bill transactions. Only says debt verified but nothing was sent to me as far as actual debt and signature or any proof I have never had a XXXX card
Product: Checking or savings account

I was given a credit reversal on XX/XX/XXXX for a service I was coerced into purchasing at the airport, I wasn't even able to use said service, I made claim and received my reversal on XX/XX/XXXX, apparently on XX/XX/XXXX I was given a refund from the merchant, instead of the bank recouping the reversal into their account, they let the refund go into my account, did not notify me of the refund on the XXXX of XXXX in form of letter, email, or in app message. forward to XX/XX/XXXX, the credit reversal was taken away a day before I had to pay my rent, so effectively the balance was in the negative, I woke up to low balance alert and was told I was refunded my money and anything else the bank may have made an error on is on me, I spoke to several customer service reps, supervisor and claims department, all were equally unhelpful, I feel I was charged wrongly a month later, was not notified of any charges or refunds prior as well. I feel they have mismanaged my funds and I'd like to he reimbursed the money they took from my account. I tried complaining to the bank but was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX since XXXX when I was in a XXXX XXXX. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or zero balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.
Product: Debt collection

On XX/XX/2019, I received a call from Pheonix Financial. The caller stated he was calling to collect multiple debts from XXXX XXXX. I informed him that I did not have any debt with XXXX XXXX and if he could show I did, I needed them to send me it in the mail. He stated they have sent me bills. I told him, that pheonix finacial had not sent me anything verifying a debt with XXXX XXXX, and I did not owe anything to XXXX XXXX. He then told me to " check my credit report, and when I was ready to pay it, to give him a call ''. I explained again, that I did not owe anything to XXXX XXXX and again, to send me the verification in the mail. At this point he starts to yell at me and tell me he is marking the account as refusal to pay and hung up on me. They refused to verify a debt that I do not owe. I have no outstanding bills with XXXX XXXX.
Product: Mortgage

Used to have my mortgage payment to XXXXXXXX XXXX XXXX XXXX they sold it to pnc and pnc bank making a hard time to take a payment I dont know what to do I tried XX/XX/XXXX to make a payment so I got a person and explain it cost XXXX dollars or simple to do it by the automatic system so I follow the instructions but couldnt get true Would appreciate to to switch back to XXXXXXXX XXXX XXXX XXXX there was so simple
Product: Debt collection

Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from NCB ( see attach letter. ) I never received any validation of the debt from them but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt. Even though they are showing a 0 balance they are referencing some sort of settlement which is hurting my credit score.
Product: Debt collection

XXXX sent my debt to a collection agency even though I was making payments on it. They never gave me written notice that the debt would be sent to collections. I received a letter on XX/XX/XXXX from Merchants and Medical Corporations , Inc. XXXX saying that they were a debt collector and I had a bill of XXXX. They also sent me another bill for XXXX. If I am making payments with them and they are on-time payments, how can they send this to collections? It has ruined my credit. 

My online account at XXXX has been removed and have no access to pay.
Product: Credit card

I purchased furniture from Ashley furniture in XX/XX/XXXX and again in XX/XX/XXXX. I was told we had 24 months promo on interest free ( that wasn't true ). They matured the while account in XX/XX/XXXX. I have called several time I have a payoff check being distributed by my bank. It was delayed by bank but can prove it was written. They don't care charged me interest and penalties because it was late They received payoff check now they are coming after me for interest and penalties which is almost as much as original charge. Even if they charged me for promo they can't charge me fir whole account purchases were not made at same time. I can't get anyone frome synchrony bank other than customer service who are no help