23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It appears that one collection agency is attempting to collect for another collection agency, XXXX XXXX XXXX XXXX XXXX I have never personally borrowed from or have owed money to XXXX XXXX, only to credit cards which are not being named in the suit. I do n't even recognize the name XXXX XXXX. 

It has been over 15 years since the last time I made a payment to the true creditors in question, yet the attorneys and collectors of Gordon , Aylworth & Tami , P.C . continue to serve me with writs of garnishment, even though the Statute of Limitations has long since passed. As I and my family are living below the poverty level as it is, it would be impossible for me to repay this debt they ask for anyway. 

Knowing that the Statute of Limitations has long passed, I consider myself to be naturally bankrupt, as I can not afford to pay for the services of actually filing.
They say I owe {$15000.00}, though they never mention the name ( s ) of the original creditor ( s ), nor acknowledge that they have been hounding me for over 15 years. 

Please advise me and help me in any way you can to maintain my rights under the State of Oregon 's Statute of Limitations laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I called Advanced Financial in XXXX Tennessee, because my loan amount was not going down after my payments. I am paying {$450.00} every two weeks with only XXXXdollars of that is going towards my payments and the {$400.00} is going towards interest. I can not keep paying this amount every two weeks.. My partner has been laidoff due to this virus and Advanced Financial is saying they will continue applying the interest and there is nothing I can do.
Product: Credit card

about 26 months ago I purchased equipment from XXXX with an XXXX credit card for a promotional interest rate of 0 %. AT some point, not sure when, XXXX went out of business and Comenity Bank took over all credit card accounts. Maybe XX/XX/year>? At some point Comenity Bank decided to back charge me interest on original balance in excess of {$800.00} at one time and now continues to charge 30 % interest monthly. I believe my balance was less than {$800.00} and now it is {$1600.00}. I can not gain access to my account online even with a link they sent me and they are aware of it. Sent me a statement I can not open to get an account number and nothing on it but payment due and date. I called them again and asked for account access, copy of original promotional interest agreement with XXXX and could not get either. I am frustrated with their position as I find it unfair and crippling financially for a XXXX  citizen on fixed income. I sent them a letter requesting all of the above, documentation, account number and on line access with a 30 day turnaround. I also requested they rescind the {$800.00} interest they added to my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Personal
Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$80.00} XXXX  XXXX XXXX-Balance {$6500.00} XXXX  XXXX-Balance {$9900.00} XXXX-Balance {$1000.00} XXXX-Balance {$870.00} XXXX-Balance {$1700.00} XXXX-Balance {$8000.00} XXXX XXXX XXXX-Balance {$2200.00}
Product: Checking or savings account

To the United States Senate and the United States House of Representatives and the Board of Governors of the Federal Reserve and the Comptroller of the Currency and SEC, My experience with Wells Fargo Bank is atrocious! 

They demand that I have a mobile phone when I don't have one or otherwise I can not gain online access to my checking account. 

I am a XXXX XXXX of XXXX  XXXX  age and with XXXX XXXX XXXX and so online access to my checking account is vitally important! I can not just pop over to the XXXX XXXX where its senior premier V-P has to my beloved wife XXXX also a Wells Fargo Bank customer and me proven to be one rude dude, with all due respect! He does not help me as to the status of the SEVEN ( 7 ) overdraft fees totally an astoundingly usurious {$240.00}!!!!!!!!!!!!!!! 

My beloved wife XXXX and I live on Social Security so {$240.00} is a very bid deal indeed! 

And now the insult added to insult and disrespect : An email to me from Wells Fargo Bank on setting on a mobile phone on-line banking situation! 

Weeks go by and still Wells Fargo Bank is not removing the {$240.00}! STILL! 

So it is now this : WITHOUT THE {$240.00}, less XXXX, less food! Such a heartless bank!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was final XX/XX/2018. Chase  Bank Auto Loan was one of the creditors that was in the bankruptcy. The account shows as delinquent, past due in collections. This is not true. It is part of the bankruptcy. I have made three attempts through disputes to Chase and when they updated it, it stills show the same as above, delinquent, past due balance {$XXXX} owed. Now my debt ratio includes {$XXXX} that was written off. I want this taken care of. I contacted them by phone also, they said their records indicated it was part of the bankruptcy but they wouldn't update unless I sent a dispute. I have done so, 3 times.
Product: Checking or savings account

I have tried since XX/XX/2021 to close out my late father 's Bank of America checking account.. No results. Emailed, mailed, and faxed estate services with scanned notarized documents and the notice to close account. 

Went to my local branch to get a rep to sort this out in mid XX/XX/2021 Every time I call estate services, I am on hold for over an hour and no one picks up. Tried using the online BOA chat app to no avail. 
Tweeted to BOA, no reply.
Product: Debt collection

Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/year> where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). ( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681s-2 Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies XXXX, XXXX, and TransUnion. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Product: Student loan

PHEAA some how bought loans in my name in XXXX. They would never provide me information. It appears that duplicated several. I just started getting letters in the mail XXXX. I had no choice but to consolidate to save my credit. I still have no idea where they got this information and believe fraud was committed. After research I see many other have had the same issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorce in XXXX. Took on too much debt in the divorce. Signed up for debt relief service in XXXX. Setted all debt but one- USAA XXXX 

USAA charged the account off I XXXX. I received a tax bill for the charged off debt in XXXX and paid it. USAA is reporting the account is closed but still reporting that I owe them. 

USAA is holding my credit report hostage. They're aren't even offering me a deal. They charged the account off, closed it, reported it the IRS, I paid the bill and they are still reporting it. Why? To be vindictive? I'm never paying them a dime AND I'm a servicemember.
Product: Credit card

I believe Ive been subject to unfair business practices. All three of my credit card accounts have been closed due to returned payments without ANY prior notice. This is a huge chunk of my income that I just lost that aids in taking care of my family as well as myself. I needed those credit cards to build credit as well. They were a great benefit to me in helping with expenses on a monthly basis. I was told that I violated terms & agreements when the returned payments occurred. Ive had returned payments before, but NEVER had my accounts closed because of it. I have been in very good standing with my credit cards ever since receiving them. XXXX and XXXX is the only exception out of almost XXXX of owning my cards. Ive read the agreement and its says NOTHING about closing accounts because of returned payments. It does say, however, Ill get charged a fee for returned payments ; Which they made sure to do. Under the default accounts section, it says theyll close account ( along with other punishments ) for reasons such as late & /or missed payments, payment rejection or can not be processed, exceed credit limit, etc. but none of my accounts were in default. They literally just closed them, despite me actually being responsible with my credit cards. XXXX of XXXX and this month ( XX/XX/XXXX ) has been the ONLY hiccups Ive have. Now I have to come up with other ways to earn income to replace the {$1000.00} thats been taken from me. Theres no guarantee on approval of other credit cards either. Credit score is too low. I even screenshotted a couple instances where I actually received praise for my responsibility and on time payments. And yes, that was THIS MONTH. These institutions make it SO hard for everyday humans to live a comfortable life. Ive taken this matter into legal hands as well. Im tired of letting companies treat me this way.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.
Product: Mortgage

I initially applied to Loan Depot mtg refi application online. I was contacted via email by XXXX XXXX XXXX on XX/XX/XXXX. She is the most XXXX  double talker. I asked no to pull my credit ( again ) as I already applied online. She said she couldn't ; t quote a rate without my social security number, but I had done it through the portal securely. I advised her that I can get a rate but refused to disclose my PII to her directly. Then I advised her I was not interested in doing business with her or Loan Depot. This is not my first mortgage experience. Several days later, she called again and was ready to process my loan. Again no rate was provided, and she claimed she was on vacation when SHE contacted me and that there was possibly a miscommunication. I refused to get sucked into her XXXX and had already sent Loan Depot and told her that I am no longer interested in proceeding with her or her company and sent a follow-up email to cancel the loan application and delete my application on XX/XX/XXXX. Again she processed my application and kept emailing me to process the loan. Again violating my rights and trying to pull a loan on my behalf without authorization, I researched this character. This was on the Internet ( XXXX  : XXXX ) - I pulled my loan application and spoke to her, but she continued to process the loan. How can she be a mortgage lender with 2 bankruptcies?! She's had more names than XXXX! 

According to the latest records, XXXX XXXX is XXXX years old and was born in XX/XX/XXXX. XXXX XXXXXXXX  phone numbers include ( XXXX XXXX XXXX, ( XXXX ) XXXX. 
XXXX has had 24 addresses and 2 bankruptcies, and XXXX knows how many last names. 
After performing an extensive deep review of XXXX XXXX XXXX records, I discovered that this individual also has 2 bankruptcies, 7 business ownership records, 7 vehicle registrations, 1 job records. To see all of the information, including property records, possible liens, judgments, court records, and much more, click here to unlock the full background report..
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Mortgage

XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider. 
Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information.

I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.