23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Law Firm Howard Lee Schiff has been collecting a debt for me for a XXXX credit card that I opened with XXXX XXXX store in XXXX, CT where I bought a TV back in 2009. I payed the remainder of what I owed with cash since I had just got married so I had cash on me. Never thought anything of it to save any paperwork since I just thought it was settled. Then the company I bought the TV from went out of business a few weeks later after I paid the TV off in cash. Next thing I know I'm receiving collection calls from XXXX saying I owe a debt and now interest. I refused to pay and then I started receiving collections calls from Howard Lee Schiff which I also ignored because I knew I owed nothing. That was a big mistake because they ended up suing me and took all of my money in the bank which left me no money in my bank until we went to court. This was years ago so I don't have exact dates and times. However I'm still being harassed from these people after we settled that I pay {$30.00} a month which I've now paid the TV over 3 times now. Somehow I see the last owed amount and it's at over {$1900.00} which is absolutely fraud. That's how much the TV was when I bought it 10 years ago! This has to stop as all I do is continue to pay them and the amount continues to go up. It's disgusting that these people get away with this.
Product: Payday loan, title loan, or personal loan

In XXXX of this year, I was notified through my credit tracking service that I have signed up through my current bank, XXXX, that my credit score had dropped. I went online and found out that SunTrust bank had reported a delinquent account that they had charged off for {$16.00}. This was a line of credit I had with them since XXXX and when we moved from XXXX to XXXX in XXXX, I had requested that line be closed out. After I sent the initial request, I then requested it again in XXXX and XXXX as a statement had been forwarded to me from XXXX ( not from SunTrust ) and they had failed to close it out. 

As a side note, SunTrust had my current address in XXXX as we had been receiving correspondence from them until all of our accounts were closed in early XXXX. However, I had not received any statements on this line of credit since moving from Maryland in XXXX. The amount that they had charged off was the {$15.00} annual fee and a penalty, which totaled {$16.00}. All of the statements regarding this account were forwarded by the person who bought our house in XXXX. 

When I found out about their filing the derogatory notice on my credit bureau I called SunTrust on XX/XX/XXXX and talked to someone by the name of XXXX. She informed me that she would process my complaint and I should get something in the mail. When I hadn't received anything by XX/XX/XXXX, I filed a dispute with XXXX ( file XXXX ) as SunTrust stated they had not recorded any such complaint. As I still hadn't received any notification from SunTrust I called back on the XXXX (? ) to confirm that this dispute had been recorded, which was told it had and it would take 30 days. On XX/XX/XXXX, I received notification from XXXX that the derogatory filing had been changed to 90 days late, however, the account was closed on XX/XX/XXXX so no one has been able to explain to me that if it was closed how can an amount or account be 90 days late? In addition, I have had a consistent and excellent credit score up until this point. Why would I allow {$15.00} to charge off and change that after many, many years of a strong credit history? 

I explained to SunTrust that they clearly have a flawed system as I have had to repeatedly ask them to close this account over a 2 year period. I also explained that I hadn't received any statements from them stating I owed any money even thought they were able to confirm my current address. They said it was up to me to contact them to ensure the account was closed. As I hadn't received any more statements I assumed the account had finally been closed. They also indicated I should have gone to a branch but there are no SunTrust 's in the midwest. 

I want this delinquency removed from my credit as I feel they are taking advantage of me and improperly handled the request to close and charged this account off.
Product: Debt collection

XX/XX/year>, I received a bill from a debt collector called XXXX XXXX XXXX for a debt I have no details about. The original vendor they obtained this debt from failed to provide me with an itemized bill, despite the fact that they had kept my security deposit even though a realtor had certified that I had returned the property in due process, and despite multiple failed attempts reaching out to the original vendor, XXXX XXXX XXXX XXXX, asking for my security deposits or the details of the bill ( which they never provided ). It was a surprise to have this debt collector contacted me after I had always submitted payments and properly returned the property, AND not having received my security deposit. 

On XX/XX/year>, I attempted to have the collector provide verification of the debt and explained that I had not even received my security deposit and was not sure of what the bill was about, and even more surprised that it also had " accrued interests ''. I also sent them a letter by fax and certified mail, seeking clarification and verification. Despite my request, the collector did not respond at all. 

Instead, they went ahead and reported the debt to credit agencies. This had an immediate impact- my credit score dropped, and my credit card limits were reduced ( e.g. from {$35000.00} to {$8000.00} ). Even after I submitted disputes to the credit agencies and provided proof that the debt collector had failed to verify the debt, XXXX insisted on keeping it on my report, stating they would only remove it if they received a letter from the collector but since the debt collector told them to keep it on, they would have to keep on my report. 

Moreover, the debt collector XXXX XXXX XXXX has also continued calling my phone number ( which they seem to have obtained through my credit report ), even though I asked them to only contact me in writing. 

Dealing with XXXX XXXX XXXX XXXX has been XXXX of the worst experience of my entire life. As shown by their reputation online, just as XXXX XXXX XXXX, they have very questionable ethics and have caused me so much discomfort and inconvenience. 

They need to remove the negative remarks from my credit report asap. And if there is anything they say I owe, I have the right to see proof of what exactly they are billing me for and why my security deposits were not returned.
Product: Debt collection

I have 3 items on my credit for a medical bill/bills. It is 3 different collection company 's trying to collect what seems like the same bill each one of them is for the same amount exactly which is {$500.00}. I also believe that they could of took them of do to the XXXX dollar or less bill that was passed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I was alerted that an account that I was disputing and wanted off my credit file was taken off of my XXXX Report and Equifax Credit report via XXXX XXXX and the reporting credit bureau 's moneriting sites. I then recieved another notification that it was again removed XX/XX/XXXX which was good news. The Company XXXX XXXX which is a closed account requested that the account be removed and it was. In XX/XX/XXXX I found out the Equifax had re-inserted this information on my credit report, I then took corrective measures writting the company several times even to the extext of sending them proof of the deletion via colored photos. I spoke to the representative letting her know that this was a clear violation and I never was contacted or notified that this account was going to be placed back on my credit file. The representative on a recorded line apologized and did all she could do and advised me that " she had all the documentation she needed to have it deleted and this was an error some how. '' As time has gone by up until this month XXXX the account has still not been taken off and my credit is still damaged by this incorrect account. I spoke with a very nice representative at Equifax and briefed her on the situation and after she did her research she told me that she had all the paper that i sent in and it was deleted but she could not do anything. I told her thank you and that this was clearly a violation of FCRA 15 U.S.C. 1681e ( b ). What this means is credit bureaus must report accurate information on its consumers and if notified that information may be inaccurate, must conduct an investigation into the claimed inaccuracy and report back to the consumer with the results of the investigation. Should a CRA agree to delete inaccurate information, under the law it has a duty to notify the consumer if it intends to re-insert the information within seven business days. XX/XX/1983 case XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( S.D. Ohio XX/XX/XXXX ).
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : SOUTHWEST CREDIT SYSTEMS Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE XXXX  : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting on my account for XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for XXXX on XX/XX/XXXX. 
XXXX Credit for XXXX on XX/XX/XXXX Is on my credit causing me to not be distress.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on XXXX 1 ) XXXX XXXX XXXX   XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. Experian 1 ) XXXX XXXX XXXX # # XXXX XXXX, RI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. XXXX  1 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXX  XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX
Product: Student loan

Someone used my social security number 12 years ago to go to XXXX and I have to repay school money back which I never ever signed up for to go to online school and it been a hassle to work with the company. They also changes to Nelnet and its very hard to try to reason with them sometimes.
Product: Credit card or prepaid card

Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?
Product: Debt collection

this person XXXX XXXX called my cell phone on XXXX XXXX at XXXX and left a voicemal msg, then proceeded to call my place of employment. I asked him to send everything in writing and to refrain from calling my job. I hung the phone up and he proceeded to call 3-4 times back to back hollering and being verbally abusive.
Product: Money transfer, virtual currency, or money service

Venmo will not allow me to add my debit card to my account. When I contact support they say there is a security flag even though I may have done nothing wrong.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to run my credit to buy a house found out that I have a medical collection shown on XXXX which I dont have any medical collections. Have contacted XXXX but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : 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 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 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: Debt collection

I was contact via mail by Resurgent Financial Services in regards to a debt. collection that had a judgement placed on it in XX/XX/XXXX. It was decided that the judgement was to be vacated, because the summons was improperly served. 
Because of the improper service as well as the fact that the debt had reached beyond the statue of limitations, the judgement was vacated and dismissed by the court on XX/XX/XXXX. 
When I received the letter from Resurgent informing me that they were attempting to collect on this judgement that was no longer valid. I responded well within the 30 day time frame that the debt was no longer valid and included copies of the judgement that was dismissed, to verify that it was no longer considered valid. 
I asked them to no longer contact me in regards to this and mailed the letter as well as all corroborating documents, they were mailed certified mail to both address they have listed. 
I do not wish for this matter to go on any further than it already has, I will be sending them yet another letter requesting they stop trying to collect on a debt that is no longer valid, and that their actions in regards to further trying to collect this debt has been reported here. Apparently since they have not chosen to comply with the original request, despite validating that the debt/judgement is no longer valid, I am sure that they will continue to harass me in regards to this matter.
Product: Mortgage

I have applied for a loan modification with Bank of America for the mortgage on my home. Bank of America is currently charging me a 9.5 % interest rate and has charged a very high, predatory rate on my loan for years. I have applied for loan modification assistance several times over the years only to be told repeatedly that my paperwork was not received when I had in fact mailed in the paperwork repeatedly in an attempt to complete the process, only to find out, I was just being given the run around.No matter how many times I completed the paperwork ( at least 10 ) and the hours I spent on the phone, they never completed the process but gave excuses to put me on a chase instead. 
I recently mailed all documents again for loan modification and they responded with a statement saying I do n't qualify because my gross monthly income is too low. The amount they have listed as my gross monthly income is incorrect despite numerous documents Ive sent documenting my income. 
Their indicating that based on my income, I ca n't afford a lower payment but allow me to continue a loan with their company at a higher payment, which to any reasonable person makes absolutely no sense. 
This is just another attempt at a stall tactic to take advantage of a customer, by stating incorrect financial information so they can justify not granting me a modification and keep me at a very high, predatory rate. No matter how often or how many times I send in information and follow the steps, they come up with in an invalid excuse not to help ; this time it is incorrect income information that does n't match the income information I sent in. They simply do n't want to modify the loan but would rather continue their predatory lending practices and take advantage of consumers.
Product: Debt collection

This is a follow up to XXXX, previously submitted with a response from both American Express and my subsequent response to the CFPB and American Express .

There were multiple instances of fraud on my account in a very short period of time for a growing amount of money. The fraud was called in and reported to American Express. American Express refused to provide records and or bills and terminated my relationship with them erroneously as I attempted to prove the fraud.

After raising the issue to the CFPB, they sent me some sort of Policies & Procedures document that did not answer and questions surrounding the situation or solve any problems. No one looked into the issue, contacted me directly or offered to provide the records requested. What is the purpose of the CFPB? How could the CFPB consider that issue Closed??? 

Please provide all records requested and financial statements within the confines of the laws of the United States of America so that I can AGAIN report & document for American Express what they need in order to process the fraud claim.