23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is placed in collections on my credit report under XXXX XXXX, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX   and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX c and FCRA Section XXXX you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions. 

Please read the enclosed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Closed paid off by XXXX. XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX  ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted. 

Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.
Product: Mortgage

I behind the mortgage payment 9 months now. I want my bank give me more time to get assistance from XXXX soon or county I live.the offer me loan modification.but I dont want this. I will star working on new year and will able to pay all my debts, and back to regular payments. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank stated that my credit report with XXXX and Equifax. My credit report is not locked with either company. I see the inquiry is listed on XXXX and Equifax. I contacted XXXX XXXX  and they argued me down that my credit reports were locked. I looked on XXXX and Equifax and I see the credit inquiry on both. I called XXXXXXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for XXXX and Equifax remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately . I have attached a copy of the letter for proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was in XXXX XXXX and applied for a credit card. I gave my driver license to the store clerk to input my information and she entered it incorrectly. So, when my credit was ran, my address was correct, but my name was wrong and didnt match my S.S. #. 
I received a letter from Synchrony Bank requesting additional information to verify my identity, the letter had the name wrong name. 
On XX/XX/XXXX I called Synchrony Bank to give my correct name and verify my information. When the agent asked me for my S.S. #, I informed her that I didnt want my credit ran againI just need to update my name. She told me that it wouldnt be ran again. She sent me a link to take a picture of my driver license and a video of my face. I also had to scan the bar code on the back of my driver license, it wasnt scanning, I was prompted to call XXXX. I called and spoke to another agent and went through the whole story again. This agent said, I dont understand your situation, so I asked to speak to a supervisor. The supervisors name was XXXX, I explained everything again and stated that I dont want my credit ran, Im just updating my name. XXXX checked and confirmed that my name had been updated and my account was in review and assured me my credit wasnt going to be ran again. 
About XXXX minutes after I got off the phone with XXXX, I received an email alert that there was a new inquiry on my credit report. I checked my report and there was another hard inquiry done by Synchrony Bank on XX/XX/XXXX. I called back and spoke with another supervisor, his name was Al. I explained that I now have two hard inquiries from Synchrony Bank for the same credit card and he said, their system only shows one inquiry, and it was done on XX/XX/XXXX. I asked for a letter so I could have the inquiry from XX/XX/XXXX removed from my credit report, since they are the ones that made the mistake. He claims that Synchrony Bank was not able to give me a letter. 
Please remove the hard inquiry from XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I notified Capital One Bank of Fraudulent charges on my account. There were over XXXX in Fraudulent charges and XXXX $ in ATM withdrawals. They told me at that time my card was frozen and could be used again. I woke up the morning of XX/XX/XXXX and my card had been used again for an additional XXXX XXXX I reported the fraud again and was promised a temporary credit until the investigation was over. I then waited the XXXX as the rep asked and nothing happened. I called back and was told XXXX business days for investigation. I requested a supervisor who then told me I still need to wait the 10 days. XXXX hour later I recieve ld an email saying my claim was denied and that no further action would be taken. I've called Capital One several times and they answer the phone but don't say anything they pick up and it's dead air. There was no investigation, this all happened over a span of XXXX hours.
Product: Credit card or prepaid card

I received a letter from Key Bank dated XXXX XXXX 2019 about Key Bank 's special repayment program and to comply with the enrollment I must comply with their instructions. 
1. Remit the first payment on or before XXXX/XXXX/19 2. Reinstatement : To bring the account current you must make the following payments on or before the dates indicated below. XXXX XXXX2019 Amount Due {$39.00} same for XXXX and XXXX and continue every month thereafter till paid. I paid for XXXX on XXXX/XXXX/19 XXXX XXXX/XXXX/19 and XXXX XX/XX/XXXX19 and have continued every month after that. 
New minimum payment amount : Your special repayment program minimum amount is {$39.00} and is due by your statement due date each month New interest rate is 3.00 % and is a fixed rate. 
What you need to know : There are 8 things listed that I need to know and no where does it say anything about about a late fee of {$37.00} and other incidental charges being charged to my account. I have contacted XXXX XXXX, Single point of Contact person @ XXXX and XXXX XXXX @ XXXX and all they tell me is " we'll look into it, and get back with you '' but that's as far as it gets and " NO RESULTS '' Why should I get charged a late fee of {$37.00} + {$4.00} & {$1.00} in other fees. Total for the month {$42.00}
Product: Mortgage

I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER
Product: Mortgage

We updated our mortgage auto payment online and received a letter from the mortgage company in the mail showing our names, address, routing number, account type, and FULL checking account number. All of the information was prominently displayed. No asterisks or hidden symbols to cover any information. I called the company and the mortgage representative said if Im concerned about my mail being stolen that I should purchase a {$15.00} lock box. I spoke to his supervisor and she said that it was a common business practice to display all of the account information for verification purposes. As someone who knows people affected by identity theft, I was appalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not followed its legal responsibilities with respect to accuracy in my reports. I have submitted all necessary information and they have ignored my plea to block information resulting from identity theft. They continue to lower my score and side with the big companies despite the police report and ftc information submitted to then 7 times. The results of their investigations are not clear or easy to understand. I don't see what they have resolved because the information remains the same and my score continues to decline. The information is not accurate on these accounts. This is a mess and I am tired of submitting documents that get discarded by ecperian
Product: Debt collection

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Please remove fraudulent and hard inquiries off my credit file from Experian, XXXX XXXX and XXXX immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called and sat on hold 10 minutes to talk with a call centered outside the US. Said it was lowered because of my current credit score which i am trying to increase. I saved for 3 months to make a lump sum payment of {$1200.00} and havent been late but one month. I am rewarded with them lowering the credit score by 50 %. I asked how to make a complaint and they hung up on me.
Product: Debt collection

Scroll down for violation. 
Background : My father had a XXXX last year and I am his power of attorney. I called a hospital he owed money to and they said he is in collections with H & R Accounts in XXXX IL. Their number is XXXX I wanted to know if they reported to the credit bureaus for that hospital. At first the representative asked for the account number and I, having been a debt collector from XXXX and still having the XXXX XXXX memorized, did not want to give out that information. After asking again that agent said he was not able to give me that information. I asked to speak to a supervisor. The call disconnected. I called back and asked for a supervisor. The call disconnected again. Third time was a charm and I was connected to XXXX. 
I asked XXXX if their collection agency reported to the credit bureaus for that hospital and he said he could not get that information without looking up the account. I said that his agency should know which of their clients they report to or not. He said he can not look that up without getting in the account and for the 2nd or 3rd or 4th time asked for the account number. I yet again said I did not want to give out that information because it could be used for the purpose of debt collecting. I asked if he could just look up some other account from that hospital to see if that client reported and he said no. I know from my experience from collecting for that same exact hospital that it is up to the hospital if they want the agency to report or not. When I collected for that hospital we did not. I asked XXXX who deals with the hospitals for their company and they said it was a department that can not be reached by phone. XXXX then again asked for an account number. 
Violation : H & R Accounts, XXXX IL XX/XX/year> at XXXX Central time. Calls are recorded on their end. I said I do not want to give out that information because it could be used for the purpose of debt collecting. XXXX then said no it would not because he doesnt even know my account number or name. So I said So this is NOT a communication from a debt collector? This is NOT an attempt to collect a debt? Any information obtained will NOT be used for that purpose? And he said something along the lines of yes because I dont even have your information. I tried to argue logic to no avail. 
Breakdown of violation. XXXX. XXXX saying this is not a communication with a debt collector outright lie. False information. He is, indeed, a debt collector. XXXX. XXXX saying this is not an attempt to collect a debt deceptive and false. He works for a collection agency and their main job is attempting to collect debts. XXXX. XXXX saying any information obtained will not be used for that purpose Deceptive and a lie. If I were to give him an account number it could lead to something as small as getting my phone number or name as a contact to something as large as resetting the statute of limitations. 
I would say this is pretty egregious. Thank you guys for doing everything you do and enforcing FDCPA.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last year XX/XX/year> regarding the inaccurate 60 day late reporting of my payments to XXXX XXXX. After the investigation Transunion concluded that the information was verified according to a letter that was mailed to me. Despite their claims of investigating the matter the errors remained on my credit report. I have substantial proof that payments were made and will attach them, which makes me doubt the type of investigation that was conducted. This violates FCRA section 611 ( a ), FCRA 623 ( a ) ( 2 ) .This negative reporting has not only destroyed my creditworthiness but has caused me to not be approved for other products and services, the credit reporting agency is engaging in unfair and deceptive practices by doing this, causing significant financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$40.00}
Product: Credit reporting or other personal consumer reports

multiple unverified and unauthorized inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT Account # XXXX has been paid and closed since 2016 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 

FORD MOTOR CREDIT XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

ON XX/XX/XXXX I PURCHASED SOME CLOTHING AND A COUPLE OF XXXX WATCHES ONLINE ON THE MACY 'S WEBSITE ON XX/XX/2019 TOTAL WAS {$1400.00} ... ORDER NUMBER XXXX .. 

THEY CLAIM THE PACKAGE WAS DELIVERED, BUT I WAS NOT HOME NOR ANYONE WAS HOME ON THE DAY OF DELIVERY. I TOLD THEM I DID NOT RECIEVE THE PACKAGE SO THEY TOLD ME THEY WOULD INVESTIGATE. AFTER THYRE SO CALLED INVESTIGATION THEY SAY THAT IM TOTALY FINANCIALLY RESPONSIBLE FOR THE PACKAGE IN QUESTION. ISPOKE TO THEM AND ASKED THEM HOW THEY EXPECT ME TO PAY FOR SOMETHING THAT I DID NOT RECEIVE AND THEY'RE CLAIM WAS THAT TO MANY PEOPLE HAVE FILLED CLAIME 'S FOR THE SAME TYPE OF ITEM THAT I'M CLAIMING. 
I TOLD THEM THAT I DONT SEE MYSELF PAYING THIS SINCE I DID NOT RECEIVE THE ITEMS. 

THANK YOU
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Debt collection

I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report?
Product: Vehicle loan or lease

on XX/XX/XXXX, i went to XXXX XXXX of XXXX to purchase a vehicle, a XXXX XXXX XXXX for a total cost of {$18000.00}. I presented my pay stubs for two weeks which showed a monthly income of $ XXXX sales rep. XXXX XXXX filled out the application and came back with an approval from Ally Financial. The transaction was completed with me signing the remaining paperwork. A short while later as i applied for other things, I noticed I was consistently denied, it wasn't until I was trying to get a consolidation loan that I was made aware that my debt to income was well the over limit. and the agent helping me with my budget asked me how I was able to purchase this vehicle off of my present income. It was then that I began to read over the retail purchase contract and discovered that the sales rep. XXXX XXXX had more than double my monthly income in order for me to qualify for the purchase of the vehicle. The sale rep committed fraud to the Lender Ally Financial as well as myself and has caused severe damage to my credit. This was immediately reported to Ally Financial fraud dept.