23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Smith Debnam Narron Drake Saintsing & Myers, LLP sent me a notice date XX/XX/2023 for a debt I owe to XXXX XXXX XXXX XXXX. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and va benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the va due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the va and in the va XXXX XXXX and going to my many va appointments that take precedence over going to your summons and responding to it.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting onXX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts presented, have 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. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX
Product: Student loan

A couple things happened. 

I asked to be sent a document proving I owe them the debt over a month ago, they told me it would take no longer than 5 days. I never got anything. And in that time, they are still calling XXXX times a day ( which is over the once a day rule ) to my understanding not only are they calling too much, they are to cease collection attempts until proof of debt is sent, and they have not stopped emailing or calling.
Product: Debt collection

I enrolled in the XXXX gym in XXXX. 
For XX/XX/XXXX, request by phone that I be unsubscribed from the membership. In XXXX I requested it again and they charged me nothing until XX/XX/XXXX without me going to the gym {$43.00} every month plus the membership of {$44.00}. Several times I called and to have the membership canceled and nothing. 
I closed the option in my account for debit and in XX/XX/XXXX, without sending a letter or anything, they call me from a Genesis Collection Agency and they tell me that they are going to seize me and damage my credit for not paying something that I have not used. I explained and requested the investigation of my case and nothing has continued calling without solving my request. I need help, They want me to go to the gym in times of pandemic and they want to force me and I don't want to go. 
Last week I got a call from the gym saying that if I sign a new 2 year contract, they will eliminate my debt at the collection agency. Please help me, I'm desperate. Thank I include a certified letter that I sent to the gym and the collection agency and never received a response.
Product: Student loan

I am currently on a pay-as-able plan and not paying anything. My income is indeed too low. My XXXX year old father co-signed for a small summer loan -- a PLUS loan -- and TWICE now Navient has tried to collection from him ( the co-signer ), even though I am considered current. They readily admitted their mistake AND apologized ( to me ) for their error and for upsetting him. But he is spooked by this and his demanded that I pay it off. Fine .. I barely have enough money, but can do it. The loan as originated was {$3600.00} ... but here 's the thing, they want {$6300.00} for the pay-off amount. That 's almost double the original amount, so I asked them ; can we not agree on a more reasonable payoff amount? I offered {$4200.00} cash .. today. Their answer was " we do not negotiate '' pay-off amounts. We 're not a bank, we 're the Dept. of Education. '' Can this be right? Thanks in advance for your attention to this inquiry.
Product: Checking or savings account

Someone was able to log into my Chime online banking account, transfer all my savings to my checking account, and then used the " pay anyone '' feature and paid themselves at a XXXX address. I called Chime to dispute immediately, they said it could take up to 45 days, but that because it was an obvious lack of security on their part, I'd probably get a credit within a day or so. XXXX hrs later I got an email with their decision- they denied the dispute saying there " was no error '' and closed it. I requested the proof that aided them in making their decision and I was provided with a generic email that many, many other Chime members apparently have been getting as well. I've been a customer for 5 years and was basically told, I will not be getting my money back. In total it was {$1400.00} that was stolen out of my account. I understand Chime is not a bank, but our money is FDIC insured, under XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax multiple times. There are 2 inquiries that the were supposed to be deleted I have 2 confirmation numbers that the inquiries are supposed to be deleted and a collection. The confirmation numbers are XXXX and XXXX. I spoke to the dispute department today and those inquiries and collection is still on report. remove immediately. Does Equifax want to be held liable for this.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. The truck 's engine light came on XX/XX/XXXX. I asked Ally Financial to take the truck. It's a lemon. 
They said they will come for the truck sale the XX/XX/XXXX. Upon they receiving the truck, they will market the truck, any money remaining from XXXX dollars. 
I would have to pay maybe {$25000.00}. I don't feel that I should pay anything. The truck is a lemon. I am XXXX XXXX XXXX. This was fraud Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new Citibank XXXX account on XX/XX/XXXX, and the Citibank XXXX XXXX explicitly read back the term of the XXXX to me ( XXXX XXXX customers can earn a XXXX XXXX bonus by opening an eligible XXXX account from XX/XX/XXXX to XX/XX/XXXX with qualifying XXXX XXXX XXXX and completing required activities. - at least XXXX ( XXXX ) XXXX XXXX XXXX directly into your new XXXX account within XXXX XXXX days from account opening. Your total combined XXXX XXXX XXXX must equal XXXX or more. ). 

Not to mention the various issue I encountered during the account opening process ( the representative put in completely incorrect address, outdated and incorrect account XXXX XXXX was sent to me, XXXX XXXX lost in transit, etc. ), I completed the required XXXX XXXX XXXX in early XXXX, XXXX. 

While I called back on XX/XX/XXXX to ask for XXXX XXXX replacement that I never received after the account opening, the representative mentioned that there is no XXXX XXXX promotion attached to my account. I called again on XX/XX/XXXX after I received the replacement XXXX XXXX, and another Citi representative confirmed that there is no sign of the promotion on my account, and there is nothing Citi bank can do other that logging a XXXX complaint.
Product: Credit reporting 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 USC 1681. 
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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis false represented me by obtaining an unverifiable bankruptcy and placed it on my ACCURINT REPORT with out my permission. Lexis Nexis furnished the bankruptcy to the consumer reporting agencies inaccurately without properly investigating this ( Bankruptcy/Public Record ). Only VERIFIED information should be reported to the consumer reporting agencies. Although, The Accurint Report or database is not under the FCRA, however the ACCURINT Report/Database is regulated under the Gramm-Leach-Bliley Act. Lexis still furnished it to the Consumer Reporting Agencies who do follow the FCRA Laws. Therefore, FCRA laws are required during this Transaction or Process.
Product: Checking or savings account

Wells Fargo has failed to return the money that was stolen from my account, despite my repeated attempts to resolve the issue. Their lack of urgency and accountability in handling fraudulent transactions is unacceptable, leaving me without the funds that rightfully belong to me. On top of that, the bank has a well-documented history of racial profiling against African Americans, treating Black customers unfairly when it comes to account access, loans, and fraud claims. This pattern of discrimination, combined with their failure to protect and reimburse me for unauthorized transactions, shows a blatant disregard for both customer rights and racial equality!!!! if Wells Fargo does not reimburse me for the money that was stolen from my account, I am prepared to take legal action against them for failing to comply with banking laws and penal codes that protect consumers from fraud. Their negligence in handling this matter not only violates my rights but also goes against federal regulations that require banks to investigate and resolve fraudulent transactions in a timely manner. I refuse to allow Wells Fargo to ignore their responsibility, and if necessary, I will pursue a lawsuit to hold them accountable for their actions and seek the justice I deserve.sincerely XXXX XXXX
Product: Checking or savings account

XXXX i had a wire transfer to XXXXXXXX XXXX, from Chase bank. The payment was never received. I have been back and forth with chase since XXXX, I have not gotten anything resolved.
Product: Credit reporting or other personal consumer reports

I have accountspassed 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is preventing me from obtaining an online copy of my Experian Credit Report via XXXX. I called Experian directly and they verified there is no condition on their end that is blocking my access and suggested I resolve this directly with XXXX XXXX XXXX. Unfortunately, this problem still persists.
Product: Credit reporting or other personal consumer reports

I have sent in several disputes to Experian on my behalf & they keep sending me stall letters saying they will not investigate my disputes per FCRA law this is not a correct response and my disputes are not being investigated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX
Product: Mortgage

I have owned my home for several years and fell behind on my mortgage due to a reduction in my monthly income. My home is underwater as many people 's homes are in this market, the only option I have to save my home is through the making home affordable program. I have applied for several modifications with my mortgage servicer and have received several denials. The denials are based off a negative NPV, which is a very vague decision. I make monthly income and could very much afford a payment for my home. The investor on my loan seems to fluctuate my value based off of the internet, they have never seen the inside of my home but value it at the top of the market, like a remodeled home instead of the true value. This fluctuation in my homes ' value is the major reason why the decision on my modification is always no. My loan was also recently acquired by an investor and was service released to Rushmore to foreclose. My only option left today to avoid foreclosure is to short sale. I was told by my servicer that if I would find them a good offer that they would work with me and not foreclose. I listed my home with a realtor and have received several offers for my home, an as-is offer at fair market value was accepted by me to submit for short sale approval. This offer was denied by my investor and the buyers increase was also later denied- we are within XXXX of the investors net today and they refuse to do an interior appraisal which would help close this gap in value. The buyers have decided to conduct an inspection of my home with their contractor and termite company, these reports will be submitted to Rushmore for consideration of a value dispute- the only problem is this investor does not entertain value disputes per my servicer. My home needs repair and this is why the offer is at this amount. This is not a low ball offer as it is within XXXX of the remodeled home that sold directly across the street. How can they not entertain pertinent information like this?! Given the situation that I find myself in I would be in a better place if I can have Rushmore work with me on a short sale, they promised they would and I have spent the last month preparing and helping with selling my home when Rushmore would rather foreclose. I fear that I will be kicked out on the street by my servicer, all of my attempts to work with them are futile and to make matters worse I often feel antagonized by the person assigned to my file. I am going through a rough patch in my life, I would appreciate being treated like a human being, I have held my end of the agreement to short sale, part of working with someone is to have the information I send in considered not hastily disregarded as insufficient-within 5 minutes of sending it. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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

There were multiple accounts opened back in XXXX of 2016 under my name and information, that I NEVER opened myself for some place called XXXX, and for XXXX XXXX. Ive contacted this company in the XXXX  and they said they would be sending over their response but its going on a week almost two, of not receiving said documents.they are reporting these two accounts on my credit reports which show negative payment history, which is destroying my credit. These accounts are fraudulent and need to be immediately and permanently deleted from my credit reports ( XXXX, XXXX, XXXX ) and just as an added proof of my claims, I will be providing an Identity Theft Affidavit detailing my claims further.
Product: Money transfer, virtual currency, or money service

I received a Fraudulent 1099-k from Block , Inc XXXX Square , Inc. The fraudulent 1099-k has my full name, address, and last 4 digits of my SSN. I dont have an account with Block , Inc and Ive never done any business with them. Ive tried contacting Block , Inc. several times, trying to get this account closed. Their customer service is awful and I cant get anywhere with them. Im trying to get this fraudulent account closed as soon as possible but unable to get to anyone that can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX.. I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit card or prepaid card

Case Number : XXXX Please see attached letter for complete details Barclays has not offered me a plausible way to continue to pay my monthly statement minimum that will not keep adding more and more to my balance because of rising interest throughout XXXX XXXX into XXXX. 

I'm able to pay more than my monthly statement minimum, however paying down the total balance is becoming increasingly difficult because I'm unable to work as much due to lower energy from long covid last year. 

I've been completely responsible in trying to pay my bill and discuss this with Barclays starting at the beginning of XX/XX/XXXX XXXX 

They offered me lower minimum payments which is ridiculous because my minimum is only {$39.00}. I can pay that. That's not the issue. My goal is to pay this balance off. With such high interest rates occurring during XXXX and continuing, my goal is becoming beyond reach. 

I was also told that I could allow my account to lapse into Collections and not receive interest. Going to Collections would lower my Credit Score. Also, as soon as I " catch up '' in collections to the " lapsed payments, '' they move my account right back into being a regular account and start charging interest again. 

It seems that Barclays isn't willing to change anything to help me in any way re : their greedy policies. It feels like Senior Abuse because no one is willing to listen and understand my situation.
Product: Debt collection

This company hired XXXX XXXX to call and claim they are processing a claim against me by XXXX for a lease contract from 5 years ago. This contract is beyond the statute of limitations in the state of California. XXXX XXXX also contacted my father and mom before contacting me and gave them all the information about this case they claim they are opening against me without ever reaching out to me.
Product: Debt collection

I receive 5-10 phone calls from a company called Central Porfolio Control the agents are different each time. They would like me to verify personal information over the phone and they will notify me of a debt owed. I pay alll of my bills on time and do not have missed payments on my credit. I have checked my credit and all payments are done in timely manner and I am aware of who I owe. I asked them several times to stop calling or verify the said " debt '' they have, I also asked them to send a letter to my address they state they have on file. I have not recieved a letter from this company showing the " debt '' I owe them. They continue to call several times a day harrassing me they have become incredibly rude and hang up on me when I ask them to remove my information from their system.