23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've tried Reaching the company after reviewing my credit report and finding they was reporting XXXX  on my report, I tried to get the company and they dint respond in a timely manner of my letter I sent requesting information. XX/XX/2022
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bought a product from a company and recieved it well after they originally told me. 

Product did n't work, so I sent it back per a text agreement with the merchant. 

Merchant ignored me and would not respond to me for over a month. 

Decided to get my bank involved, they sent me temporary funds only to take them back a few weeks later saying it was more than 60 days after my purchase while 20+ days I did n't have the product delivered to me. 

Now as of yesterday the merchant has finally responded to me basically saying they have the manifold and the money and then will not contact me anymore. 

My bank will not do anything even with written proof the company has the product and does n't plan on sending it back to me.
Product: Mortgage

I submitted the paperwork for PMI removal on XX/XX/year> and paid the XXXX fee on XX/XX/year>. 

I called each week to follow up with the process & was told an appraiser would reach out to schedule an appraisal. It was XXXX and no one had reached out, so I filed a complaint with the XXXX. Miraculously, a few days later an appraiser scheduled an appraisal for XXXX 

On XX/XX/year> I received a refund check for the XXXX ( {$150.00} ). 

On XX/XX/year> I called NewRez the mortgaging servicer to clarify I had the appraisal set for XX/XX/year>. The customer service agent advised I cash the check & pay the {$150.00} over the phone which I did. 

On XX/XX/year> I called the appraiser to confirm the appraisal was as happening tomorrow on XX/XX/year> and he told me my loan servicer ( NewRez ) cancelled the appraisal.

I called NewRez today XX/XX/year> and was told Id need to wait again for a new XXXX to be approved even though they have my money and completed paperwork. There was no rhyme or reason to refund and cancel the appraisal when it was setup for XX/XX/year>. On top of that, no one cared to inform me it was getting cancelled. 

NewRez has taken my money twice now without rendering the appraisal that Ive paid for.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Im a registered Venmo user for over 2yrs. 2 weeks ago I received an email from Venmo claiming someone was trying to open my Venmo account from another phone. I informed them it wasnt me & they froze my account for security, claiming it would be restored in a few days after I submitted my drivers license with a selfie & change my password. I did all of this & they have gone silent on me, not restored my account. I have almost XXXX XXXX dollars held up in this account & they arent taking my phone calls or emails. Please help!! : (
Product: Credit reporting or other personal consumer reports

I checked my credit scores I have XXXX from XXXX XXXX XXXX XXXX no history with experian. My bank XXXX uses experian I have no history with them so they gave me {$2000.00} credit card. I m XXXX yrs old I have a long history of credit. I can not get in touch with them no # all my information is on XXXX XXXX and XXXX. Please help me. My husband has XXXX I am his XXXX XXXX and I have power of attorney. As a woman I feel very slighted I have banked with them for XXXX yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my affirm payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$16000.00} -Collection XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my first and only letter from XXXX XXXX XXXX stating that my payment was past due. I was baffled because my payment was set to auto debit for the past XXXX payments. When I went into the bank and after extensive research they concluded that in XXXX of XXXX I had set up my auto debit for {$200.00} instead of the correct amount of {$200.00}. I stated that I was unaware as that was the amount that the system stated was due. They stated that I had made XXXX prior payments in the amount of {$210.00} so the system credited XXXX twice and it made the following payment show XXXX less. I had always understood that an installment loan would always show the appropriate amount due so when I set up the auto debit it only showed {$200.00} due. This continued for XXXX payments before I received a letter. I went in to the bank right away but they did not know how to credit it to my account and stated that they would have someone reach out to me. No late payments had yet been reported. I had thousands of dollars in my accounts and could have made the payoff in full. This could have been resolved then and there but they didn't know how. In XXXX they reported XXXX late payments and I paid the account in full. They did not act in good faith and never gave me the opportunity to correct this as they didn't know how. They took XXXX payments and never contacted me to tell me I was XXXX short at any point. I you look at the Delinquent Notice it shows {$6.00} late yet they could not take the payment. It clearly show on my account statement XXXX that they waived on the day I came in ( XXXX ) but did not show any other late payment. If I was XXXX short for XXXX payments then I should have been past due in the amount of {$28.00} and yet this does not reflect on the account summary. I worked in good faith and monitor my credit daily. I do not know who to turn to. I have paid off all accounts with XXXX XXXX ( Auto Loan, Credit Card and Equity Line of Credit ). I always had the capacity to pay but their inability to provide me with accurate detail as to what I owed led to a further delay and this did not have to happen. Please help as I feel that they had the due diligence of providing me with the ability to bring my account current before they reported it. You can see I went in on XXXX but they could not help me.
Product: Consumer Loan

I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough.
Product: Debt collection

Good Afternoon, I'm not sure why this is taken so long, but this can not continue to report in error. This is been over 90 days that i disputed this negative account and it's still reporting on my credit report. I was told upon paying this account that it would be removed completely from all the 3 major credit bureaus. And yet, only one of them removed it from my credit report and i'm still waiting for the other 2. I don't owe the debt but it continues to report incomplete and incorrect, and unverifiable information. I'd rather no waste anyone 's time going back and forth and would like that this is deleted from all the major credit reporting agencies effective immediately, please. This is in violation of both fcra and fdcpa on the way it's reporting.
Product: Debt collection

I receive calls from this company while I am at work. It started as just calls to my personal phone number, however now they are calling my work phone number. I told them to call me after XXXX in order to speak with me, however they continue to call during the business day.
Product: Credit reporting or other personal consumer reports

Attention Lexis nexis : reviewing my credit report there are many errors that need to be corrected My name is XXXX XXXX, I have never used another name. The following names should be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, My address has always been XXXX XXXX XXXX ter XXXX XXXX fl XXXX The following addresses do not and did not belong to me and should be removed : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX The following emails do not and did not belong to me and should be removed : XXXX XXXX Thank you very much, sincerely : XXXX XXXX
Product: Debt collection

Received letter from M r s collection agency state that they are Sueing me in XXXX XXXX court they supplied a court file number. I went to XXXX XXXX court web site to check for any suits in my name, there were none with my name there was XXXX under the number, but I did not recognize the charge. the suit filed in XXXX XXXX has vague information on the suit, no date, no verifiable information on the claimed account. I then received a letter from m r s offering to settle the deb for less than half. in the letter it states to call XXXX XXXX  to make a payment. called XXXX XXXX  spoke to XXXX in fraud they have no record of account, XXXX XXXX  gave phone # for their collection agency ( XXXX ) they had no record either. to be though I called M r s they demanded i give full social and credit card # advised did not have account, was transferred to supervision XXXX badge XXXX who again demanded my full social and " any '' credit card. when i told " XXXX '' if I had an account, they should be able to find with my name and address XXXX hung up. I feel that the collection agency is trying to scam me and or scare me into paying a account i can not verify
Product: Consumer Loan

Received a letter from PayPal Credit ( XXXX XXXX Bank c/o Bill Me Latter Inc ) informing me of changes in terms. The letter provided identifying acct., information or contact information, other than a XXXX for XXXX, an I had no recollection of ever having done business with any of these organizations - PayPal Credit / XXXX Bank / Bill Me Later. 

I then reviewed last year 's annual credit reports and found no references to any of these organizations, so then using the web found a phone number to call. 

Contacted the number and finally reached a human ( prompt continually insisted I enter my non-existent acct number ). The agent informed me they do n't report to any credit services - Great, so much for monitoring for fraud - they could n't confirm I they even had an account listed for me when I provided name and address, then phone number. Then was asked if I had a XXXX acct ( not to my knowledge ). Finally after digging up a 3yr old phone number from some old records an account was found!!!!!! Apparently I charged a prescription back in 2009 for {$11.00} when I still had insurance to XXXX. 

At best I perceive this to be questionable/shadowy organization. They may not be in violation of any legal statues, but they sure are n't exhibiting any sound business practices. 
- Communications with noting but a PO for contact info - No method for monitoring for fraud - Stale account data - Limited ability for acct identification, would received absolutely no assistance if I had n't known a 3yr old stale phone # How many other 'ghost ' accounts may be out there?
Product: Debt collection

On XX/XX/2021, I received information about the company. On XX/XX/2021, I activated an account on the company 's website. On XX/XX/2021, the account had been cancelled. On XX/XX/2021, I received and email that the solar panels were going to be installed without signing any kind of contract. On XX/XX/2021, they discounted {$160.00} from the bank account. On XX/XX/2021, we received a congratulatory email for being a part of the company even though the account was never activated, and I never signed a contract or saw XXXX. Since I cancelled the payment because I never signed anything and we never talked about the payment method. They sent me to collection with a bill of {$39000.00}.
Product: Debt collection

I'm written this letter to complaints long silent zombie 2nd mortgage or debt collectors filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREAL TIME RESOLUTIONS INC. ) XXXX XXXX  my husband borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXXXXXX XXXX XXXX security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXX XXXX. In XXXX we ( me and my husband ) filed bankruptcy and discharged we thought the HELOC 2nd mortgage had satisfied, the last payment my husband made to HELOC was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( HAMP ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from zombie mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks
Product: Vehicle loan or lease

When I buy the car I trading a XXXX XXXXXXXX XXXX the value on my XXXX it is about {$10000.00} the dealer put me {$3000.00} only on down payment when I signed a paper they told me that I have a guarantee on the card that I bought it and the car broke down on the second day that I buy and try to go to the dealer and they give me appointment they take like a one week when I take the cart the dealers gone disappeared and change all deals, They finance it to another company and after six months, I found out a letter from Santander consumer, letting them know that I have to pay the loan to then and I never make a business with Santander .The car is broke down from the second day that I bought it and they never answered and they never tell me what theyre going to do with the car, and I supposed to have them warranty so I keep in the car in the garage, I explain everything about the problem. I never do nothing into one day they pick up the car I called him and I let him know the problem with the car and everything and they never do nothing about it, the dealer disappeared another bank, make it deals, never sign it anything to Santander and I feel like Im stealing everything is stealing my home is stealing the cart that I bought it and they want to stealing my money to and they put me on the credit bureau so I want to clean my credit I dont want that count on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to Experian on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana and XXXX XXXX XXXX, XXXX XXXX, Indiana. Experian did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Product: Debt collection

Good Afternoon, I have gotten 2 phone calls XXXX claming to be a legal matter not discussing what the "Legal Matter was" on my voice mail. He then calls my parents and looking for tells them i have a "Legal Matter" which is illegal to do because as an agency you are not allowed to expose to family members what they are looking for you are only allowed to ask if they person is still around to collect or looking for any debt. Im not sure what this debt is about or if its even paid off. This company Altalitc recovery solutions already has a class action law suit for threatning their customers about court orders. I called that number back and it went straight to voicemail. Being on unenpolyment my main concern is paying rent not a so called "Legal Matter from NY when im in PA. If someone serves a legal matter it has to be in the state. I would like this taken care of. They are also called Atlantic Recovery Solutions/XXXX XXXX as well. So when i first herd the voice mail it was XXXX XXXX then Atlantic Recvory the 2nd voicemail.
Product: Debt or credit management

I called the debt collection to get them to remove the late payments. We came to an agreement. It has been removed on credit karma but not XXXX. It still shows the same late remarks. I have tried to contact the debt collection but the number is out of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get all reports Experian XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 XXXX
Product: Mortgage

Failure of mortgage servicer to automatically terminate PMI once the LTV reached 78 % without requiring an appraisal. This date was provided to me during closing with the loan underwriter. The date was XX/XX/2019. The amount is {$80.00} per month. So far, the total is {$240.00}. I initiated a request via phone then followed up with an email. The method of communication was requested by the loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vanity from XXXX XXXX on the credit card in XX/XX/2021. I ended up returning the vanity. I got billed a XXXX $ balance so I called to see what it was and they said I was charged a late fee and they would take it off. I was told my balance was XXXX XXXX The next month I was charged a late fee again. I called and they said it was a mistake and they would take it off. This continued to happen every month. In XXXX i closed the account in hopes the late fees would stop accruing but it didn't work. Every month I called and XXXX XXXX would tell me it was a mistake and they would take it off and the next month I would get charged a {$29.00} late fee. When I called in XXXX I was begging the representative to let me talk to someone that could help me because merely just removing it every month wasn't working. She finally figured out that every month I was charged a XXXX $ late fee I was also charged a {$2.00} interest fee that the other representatives were not removing. She promised me this would work. In XXXX i got a balance of {$25.00} which I was unsure of where that amount came from but it was low enough that I just paid it in frustration because I was tired of calling. That finally worked and I stopped getting fees. My credit score dropped over XXXX points over this and I disputed it online but nothing changed.
Product: Debt collection

XXXX XXXX has tried to collect a debt owed by XXXX XXXX for XXXX. My name is XXXX XXXX and I have never had an account with XXXX. They first tried to collect the debt through XXXX XXXX XXXX who filed a collection notice on my credit report with XXXX. I disputed the collection and it was deleted by XXXX. Now I am getting collection notices from Afni collection agency.