23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..
Product: Debt collection

I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.
Product: Credit reporting or other personal consumer reports

Collection Agency DEBT RECOVERY SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX. XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 ( A ) ( 3 ) look Equifax Congress made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Product: Debt collection

Initiated XXXX fitness accounts with XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX employee # XXXX, assisted with accounts, to set up XXXX debit, was given my banking information in the fitness facility. After months of problems with accounts, several emails and time spent taking with managers and employees at the fitness center attempting to correct accounts, the fitness center could not rectify the issues. I called in XXXX of XXXX to cancel the accounts, I was told I needed to do it through the app, which on XXXX account as stated the app wouldn't ever work. I called XXXX XXXX instead, was connected with an employee whom stated she could help me cancel the memberships. upon review I was told, they sent XXXX account to collections and the second membership could not be cancelled until XXXX unless I pay an additional {$25.00} fee, so I called back in XXXX, an associate then cancelled the fitness membership, she stated I would not receive any confirmation that it was cancelled, she had me search the membership number, it wouldn't come up, but as stated I had problems from day XXXX with the membership, I was told it was cancelled and that is why I couldn't search the number. The past XXXX months after cancelling they continue to debit my banking account. 
The other account I sent a letter of request for detailed charges, since they only sent and email to a minor child requesting payment. I followed up with a call to the collection company, they said, I sent the letter back to them, which If I am reaching out to them, why would I send it back, they stated they have been calling me, which I have XXXX calls form them, I have XXXX account that is paid in full monthly, have spent several hours at the fitness center with managers and emails, saved of communications with XXXX, so why would I allow an account or avoid payment of and account. I also took the time to send a certified letter of request to XXXX. which I can not receive proper colorado law breakdown of the charges owed, I continue to get a runaround of false information from XXXX XXXX XXXX XXXX. In XX/XX/XXXX called XXXX XXXX XXXX twice, after sending letter of request. on XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX XXXX, who told me first I sent the information back to their company, then I told him that is incorrect, because I haven't received communication back since the request. He then stated, it was sent back because I did not provide the correct address. Which I argued I had written my address in tow places, on the outside of the envelope and also placed the address on the letter of request in the upper left hand corner, so I know he was not being honest with his information he is providing. As of XX/XX/XXXX, I have not received by colorado XXXX, proper communication of the debt owed, have not received written communication from XXXX & associates of what my rights are, if I can dispute all post letter of request as stated the company told me I had to send when I called in XXXX.
Product: Money transfer, virtual currency, or money service

{$25000.00} was fraudulently taken out of my Chase account through wire fraud. I have taken all necessary actions to get my money back. I have filed a police report I have filed an FBI report and still nothing. Its been well over a month and still no answers. They attempted to close my claim without even looking into it stating they tried to get in contact with me and they never did. I have gone over phone records its all in black and white they never tried to call. Every time I am connected with somebody they either hang up or can not help. I need answers and help. XXXX is approaching with no peace of mind of when or if my funds will be released.
Product: Debt collection

ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to Creditcorp. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX
Product: Credit card or prepaid card

credit card opened up in my name without my permission or consent. Credit card lender refuses to close account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today I got a call from this person supposively working for Ace cash express he deposit me money but my account was blocked for fraud so i called and told him i was told it is fraud and i do not want the lend anymore and he told me to pay back I had to pay through Play store gift cards which seems not clear and I asked the lady in the bank and she only adviced me to report this because it is definetly scam, so the guy called me and threatened me with reporting that I dont pay back so i asked him to give me an existing account to pay back well he didnt and I told him to tell me where he was working at and he gave thia adress in XXXX which responds to a restaurant because this company does not serve in XXXX so apparently this is all fraud and when I told him i will be reporting him he told me he was going to send me a sherrif to my house. I do want to return the money if its a real company I just believe giftcards dont seem secure to pay back money at all.
Product: Mortgage

Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property.
Product: Debt collection

A COLLECTIONS ACCOUNT WAS OPENED WITH TRANSWORLD SYSTEMS FOR 2 DIFFERENT ACCOUNTS. I DO NOT KNOW WHAT THESE ACCOUNTS ARE FROM BUT THE DATES SHOW IT WAS A " DEFAULT '' FROM XXXX, 2014. THE STATUTE OF LIMITATIONS ON DEBT COLLECTIONS IN MY STATE IS 5 YEARS. WE ARE WELL PASSED THE POINT OF COLLECTING. THEY ARE NOT ABIDING BY THE LAW BY TRYING TO COLLECT SAID DEBT. I HAVE NEVER RECEIVED ANY NOTICES OR ANY VERIFICATION OF THIS SAID DEBT. THIS COLLECTION IS HURTING MY CREDIT SCORE CURRENTLY. SINCE THEY CAN NOT VERIFY THE DEBT IT NEEDS REMOVED FROM CREDIT.
Product: Mortgage

XXXX of XX/XX/year>- researched on Chase bank website how to submit request to remove escrow from my mortgage account. I mailed the required request in writing to the address provided on Chase Mortgage website : XXXX XXXX XXXX, XXXX, KY XXXX. The letter was returned from the post office as non deliverable. 
I called Chase Mortgage escrow department to ask for a new address and what steps I needed to take to waive the escrow and was told by the representative that My mortgage did not qualify to waive the escrow account because the investor required that there is an escrow account for the life of this loan. I asked for that information in writing, which was sent XX/XX/year> and I received. The letter states : Thank you for your request about your mortgage loan account. 
We can not remove your escrow account. The investor guidelines require an escrow account for your loan. 
If you have questions ... ..... 

Today, XXXX XX/XX/year>, I called Chase bank to follow up. I researched the requirements for XXXX XXXX to allow a mortgage holder to remove their escrow account and found that my account meets all the requirements. I spent 1 hour and 22 minutes talking to two different representatives regarding this issue. The first representative stated that I could not waive the escrow account and when I said that didn't satisfy me he transferred me to what he called the escalation department. I did record the entire conversation with the representative from the escalation because I no longer trust that as the consumer I get accurate information from Chase bank. 
Finally, XXXX XXXX, from the escalation department said he discovered that my loan does meet the requirements to waive the escrow account but I would need to send a letter formally requesting Chase bank to waive the escrow. He also recommended that I inform Chase that my mortgage does in fact meet the requirements to waive escrow, which in my opinion is doing their work for them. 
I was told by XXXX several times that Chase is a very large company. 
I am reporting this to CFPB to inform you that Chase bank employees are either not trained to do their job or are told to give customers erroneous information. Also, the information on their website should be accurate and up to date.
Product: Student loan

As of my last ability to contact Peaks Loan ( powered by first associates ) I had a balance on my account XXXX of {$3300.00}. I have been trying to receive payoff information or account information as my loan was under the predatory institution XXXX XXXX XXXX but the phone number XXXX is no longer active. I can not log into the site. I attempted to call the only working number for the portal account ( after clicking " My Account '' ) on XX/XX/2021 at XXXX and was told my loan was changed and given the peaks disconnected number again. When I told them the number did not work they gave me the number for CFPB ( XXXX ).
Product: Student loan

Loan started XX/XX/XXXX total owned {$28000.00} at Sallie Mae.I have paid total of {$32000.00} up to this date. Now its XXXX almost 2 decades after still paying and I still owe {$11000.00}. 

The company kept changing the names like XXXX and now XXXX and kept transferring to different loan companies. I tried to call when covid happened but they never listened. They took money and keep taking money in my bank account. Its unfair that the interest they set can't be changed. Please help.
Product: Debt collection

{$2500.00} of total charges opened- XX/XX/16 sent police report FTC complaint Affidavit of truth
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about?
This week Equifax announced the massive data breach. Using their site they confirmed that my information was compromised.
Step 2 : What type of problem are you having?
My social security number and other credit information was improperly handled.
Step 3 : What happened?
Equifax was hacked and my information was leaked.
Step 4 : What company is this complaint about?
Equifax Step 5 : Who are the people involved?
143 million people
Product: Credit card

I have been a AAA Visa member for many years, then they sold it to Commenity Bank AAA Visa I reported major fraud twice, they still have not recovered my loss and said this is not the first time they have had fraud i asked for my refund still no new card no refund
Product: Debt collection

Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was thought to have been stolen during the equifax security breach in XX/XX/XXXX. I have initiated a 90 day fraud alert but am worried about what else could come of this
Product: Debt collection

I have previously complained about NCB including complaint # XXXX XXXX XXXX NCB has negatively reported a collection of an alleged debt that has not been validated. They have sent me a credit application for XXXXXXXX XXXX, a transaction History from XXXX XXXXXXXX, and a Assignment and Bill of Sale between XXXXXXXX XXXX and NCB ( which does not represent the entire contract between them ) ; however, I never entered into a contract with NCB nor are the documents sent in a proper validation of this alleged debt. However, after reading the FTC report from XX/XX/XXXX " The Structure and Practices of the Debt Buying Industry '' I am requesting the forward-flow agreement between XXXX XXXX  and NCB, I also request the full portfolio they bought which says the total amount paid for said alleged debt, I would like to point out that as per said report the FTC alleged that companies fail to adequately verify disputed debts and quoted : " United States v. Asset Acceptance , LLC, No : 8:12-cv-00182 ( M.D. Fla. XXXX XXXX XXXX  ), available at http : //www.ftc.gov/ opa/XXXX/asset.shtm ( debt collector settled allegations that it violated the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ( 1 ) when the debt collector had reason to believe certain portfolios contained unreliable data and ( 2 ) after the borrowers disputed the debt ) ; see also United States v. Allied Interstate, Inc., No.

0:10-cv-04295 ( D. Minn. XXXX XXXX XXXX ), available at http : //www.ftc.gov/opa/XXXX/alliedinterstate.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt after the borrowers disputed the debt ) ; United States v. Credit Bureau Collection Servs. , No . 2:10-cv-169 ( S.D. Ohio XXXX XXXX XXXX  ), available at http : //www.ftc.gov/opa/2010/03/creditcollect.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ) ; FTC v. EMC Mortg. Corp., No. 4:08-cv-338 ( E.D. Tex. XXXX XXXX XXXX  ), available at http : //www.ftc.gov/opa/XXXX emc.shtm ( mortgage servicer settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representations that it made to borrowers, including claims about the unpaid principal amount, the due date, the interest rate, the delinquency status, and fees and corporate advances that prior mortgage loan servicers had assessed ). '' Additionally, the FTC has come to the conclusion that original creditors give incomplete file information to debt buyers, with this how can NCB claim to have verified this alleged debt belongs to me or its accuracy? Additionally, I never received a first communication from NCB regarding this alleged debt as required by law ; which is a violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I reached out to the credit reporting Agency, Equifax, because I saw several items on my credit report that I did not give them permission to furnish. I received adverse action letters from banks stating that the bank pulled information from Equifax and due to the information that was on the report, they chose not to extend credit to me. 

I contacted Equifax in XXXX about the information on the report and I received a notice from Equifax stating I needed to be more specific about what shouldnt be on the report. 

I did not give Equifax any written or oral permission to furnish anything on the credit report ( 15 USC 1681 ) they are giving to banks. 
Equifax is committing fraud! And making it hard for me, the consumer, a natural person, to live a full life.
Product: Credit reporting or other personal consumer reports

Wells Fargo Account : XXXX ending in XXXX XXXX is showing {$4700.00} the wrong amount. 
XXXX and XXXX are showing the correct amount but are showing past due when Everything is current to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy
Product: Checking or savings account

On XX/XX/2022 I visited a Bank of America Atm in XXXX, Ca ATM ID : XXXX. I deposited XXXX checks for {$1400.00}. {$900.00}, {$900.00} a total of {$3200.00} in the ATM. There was a ATM malfunction and the atm only credited my checking for {$900.00}. I called BofA to file a claim and they eventually credited my account for the difference of {$2300.00}. Then they completed their investigation and took {$900.00} back. They told me that they could not find the other {$900.00}, that the atm may have destroyed it. This is a flimsy XXXX excuse for their poor atm machines. BofA have my {$900.00} and refusing to return it to my business checking ending XXXX. Because they can't find it, I have suffer. I called in again and I faxed over some docs for proof evidence.
Product: Credit reporting or other personal consumer reports

I sent Equifax on XXXX XXXX 2024 a dispute regarding a collection account that is being reported erroneously never heard back anything. in XXXX i sent a request of the method of verification used in regards on how the procedure was conducted as afforded by Law to me as a consumer. On XX/XX/2024 Equifax updated the consumer report as verified. Yet I am still waiting on the method of verification used in connection with an investigation and any re investigation that never took place in the first place. Equifax is acting above the law and clearly disregards any request under Federal Law, Equifax ran afoul of the FCRA by not following the law as its intended to be.. 

I DEMAND YOU FOLLOW THE THE LAW ACCORDING TO FCRA FAIR CREDIT REPORTING ACT This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( XX/XX/2024 ). 


To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative item, as originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.