23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Bank of America stating that I was denied for a credit card. I have never nor would ever apply for any Bank of America Products. The inquiry hit my XXXX report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX  where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this 4 times to XXXX, Transunion and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!
Product: Credit card

In XX/XX/XXXX, I applied for a Citi XXXX XXXX Back credit card due to a promotion offering 18 months of 0 % interest. However, in XX/XX/XXXX, I noticed that I was being charged interest, totaling {$560.00} to date. 

On XX/XX/XXXX, I contacted Citi 's customer service and spoke with a supervisor named XXXX. XXXX informed me that my eligibility for the promotion was determined after my application, and it was decided that I would not receive the promotion. He also stated that since the offer was no longer available, he couldn't apply it to my account. Additionally, he mentioned that even if I paid my balance in full, I would still be charged interest on my purchases. 

I believe this situation is predatory and constitutes a bait-and-switch tactic.
Product: Debt collection

On multiple occasions I was harassed by a representative of Capital Accounts. This debt is related to a medical bill. I told the representatives that I was not aware of owing this money as I have insurance dental coverage that would cover any bills and that this needed to be submitted to my insurance. They told me that the provider is n't required to submit it to insurance, they just do that as a courtesy. That is inaccurate. I requested verification of the debt and they never provided it. They continued to call me while I was at work and use abusive language and still have provided no documentation of the accuracy of the debt.
Product: Mortgage

On XX/XX/XXXX, I contacted the company the processes my loan payments and let them know I was concerned that I might have a problem paying my XXXX mortgage payment. I then asked if I would be able to defer the XXXX payment only and attach it to the back end of my remaining loan. I was told that I might qualify for their " forbearance '' program which is only available in 3 or 6 month increments. After the 3 months all of the money that had not been paid would be due upon completion of forbearance. So now I would owe them 3 mortgage payments and I could either sign up for their repayment plans which they say would depend on my financial situation at the time, OR they could " restructure '' my loan which translates to my having to refinance my home at low market value so they can charge my another several thousand dollars in refinance fees and send their appraisal company a kick back as well. Which is assuming of course that I could even get the house to appraise for what I owe on it in the middle of the looming economic recession.
Product: Debt collection

My compliant is that the XXXX XXXX XXXX XXXXXXXX XXXX sent my account ( all of my XXXX ) to AIH Receivables XXXX XXXX, XXXX XXXX XXXXXXXX XXXX KS XXXXXXXX XXXX  which mailed me a letter dated XX/XX/year>. It states that I have dept to XXXX in the total amount of {$790.00}. When I called AIH, which was today, a month later ( I didn't check open the mail for several weeks ), I dialed XXXX and spoke with XXXX. She said XXXX had made a mistake and sent a bunch of reports to people and then pulled them back. 

XXXX. It is egregious that the XXXX XXXX XXXX XXXX XXXXXXXX did not send a letter to all of these patients to apologize and to direct us to disregard. 
XXXX. It is also unacceptable that AIH also did not send a letter to us, with apologies and a direction to disregard. 
XXXX. Given that it took me a month ( I called today, XX/XX/year> ) to address this, what happened to the XXXX  number of people who are better at checking their mail? Did they pay money they did not owe? What did that do to their financial situation? 
XXXX. Were all of us reported as delinquent and did that negatively affect our credit? 
XXXX. After she told me I didn't actually owe any money, that was allXXXX I had to specifically ask for a letter that states I do not owe them money. Here was another opportunity for the company to do the right thing- it should be automatically offered. 

Note : She agreed immediately to do this, and she was very pleasant. It is not her fault. She is simply an employee. It should be a standard part of protocol for them to offer a letter if someone calls in. Part of training.
Product: Credit reporting or other personal consumer reports

XXXX account with TransUnion is inaccurate on my report. I've never rented an apartment at XXXX XXXX XXXX due to me stationed at XXXX XXXXXXXX XXXX XXXX at the time of incident. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with TransUnion is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with XXXX is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove immediately!
Product: Credit reporting or other personal consumer reports

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

Authorized User on the REGIONS BANK - I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I had a collection with ad astra which I paid in full, with them I asked if I pay in full will you remove the debt from all XXXX credit reports, the representative said she has approval from her supervisor to do so. One month later the collection is still showing on my credit report, so I called back and asked again to have the collection removed since I had been promised they will. The young lady on the phone they and give it thirty days. That last call was three months ago and the collection is still reporting on all XXXX of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. Hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

I took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.
Product: Credit card

In XXXX of XXXX, I lost my purse ( it had my phone, wallet, ID ) and have since noticed unrecognized transactions. 

XXXX was non-responsive to my request for information. 

XXXX I contacted Apple Card for an unrecognized XXXX charge. The representative said they will investigate and keep me updated. However, I received no update or request for information from me. 

XX/XX/XXXX I reached out to Apple Card for an update. Still no response. 

XXXX I was told the case was denied. When I asked why, I received no response. Then, Apple asked me " Have you tried to contact the merchant? '' which I already answered yes multiple times, from the first time I reported the loss. 

Apple Card continued to stonewall throughout the process and provided no evidence, nor detail of the investigation throughout. 

Finally, they agreed to " re-investigate ''. They said it would take a month this time. 

Later, I received the " evidence '' in mail, which was several blanks forms and a receipt of the XXXX ride. Again, I had already reported my identity being stolen, due to the loss of my ID, wallet, and phone. The " ride receipt '' proved little. Anyone in position of my belongings could have taken the ride and generated a " ride receipt ''. 

XXXX, a month from XXXX as promised, I called in. No update. 

XX/XX/XXXX, I called in, a representative named XXXX said " we emailed you the resolution on XX/XX/XXXX ''. I received no communication whatsoever on her specified date or on any date. 

She " resent '' the email on the call and it was the same copy-pasted letter as before. No one reached out to me during the re-investigation. No additional evidence was uncovered or provided. Apple repeated the same gibberish and said " merchant said it is not fraud, therefore it is not fraud ''. 

Apple continued to stall. Case is still not resolved to this date.
Product: Debt collection

I was notified by XXXX  on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. 

I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. 

No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ad  XXXX    XXXX   XXXX  accounts that were included in my  2013 Ba nkruptcy that was  discharged yea rs ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the XXXX XXXX XXXX ran my credit check with the TransUnion credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that TransUnion is showing to me is XXXX.
Product: Money transfer, virtual currency, or money service

I created an account with Venmo XX/XX/XXXX this year to receive payments and the very first person ( XX/XX/XXXX ) didn't know what they were doing and pinged my account multiple times right after. They suspended my account within XXXX hours and closed it after I had received another payment making me unable to withdrawal that payment and told me it would be 180 days on XXXX XXXX. Ok was what it was. Well than I receive an email XX/XX/XXXX and that they are available to transfer. Great. Go to withdrawal and it wont let me. Email to ask. Get a reply that they're escalating my case the XX/XX/XXXX and than they tell me they're waiting on me to send info that they never asked for but we sort that out and send what they asked my bank and id. Finally get a bank account added and it still wont go thru. XX/XX/XXXX get an email saying that my account will remain limited and funds with be held until further notice. XX/XX/XXXX get an email saying the account will be permanently deactivated funds held for 180 days again. So exactly 180 days from when this ticket was made another XXXX suspension? Well continue to contact and XX/XX/XXXX the account has been temporarily adjusted so that XXXX can withdrawal. I try for 2 days and contact about it again and yet again get an email saying Previously recived communication from venmo was a lie. Contacted XX/XX/XXXX to try again and get the same email as previous on XX/XX/XXXX that its not available. So now I'm 255 days since they closed my account without warning with money held from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disturbing information caused by identity theft. Trans Union has sent me letters telling me that their investigation concluded that I am lying. XXXX has removed some of the information already, not sure what transition need besides what I already submitted. I just want the cfpb to realize how these companies hurt consumers
Product: Debt collection

As recently as XXXX, 2021, a company named, " Improve Data Services '' has continually and repeatedly, after being instructed to stop, called my place of work. These continued calls have interrupted the operations of an emergency communications dispatch center and taken staff away from assistance and emergency related calls. The callers have even raised their voices and used deceptive techniques. The callers have attempted to be transferred to Human Resources even after being told this is a place of business and has no connection to this situation. The calls have now become automated messages that come in at a minimum of two times per day.
Product: Vehicle loan or lease

To Whom It May Concern, I am filing a formal complaint against Westlake Financial regarding my auto loan for a XXXX XXXX XXXX due to an excessively high annual percentage rate ( APR ) of 22.89 % and the company 's refusal to work with me despite financial hardship. 

Loan Details : - Vehicle : XXXX XXXX XXXX - Lender : XXXX XXXX - XXXX Term : 72 months - Date of Purchase : XX/XX/XXXX- XXXX : 22.89 % - Monthly Payment : {$700.00} - Daily Interest Charge : {$14.00} - Interest Paid Monthly : {$420.00} - Amount Applied to Principal : {$270.00} Attempts to Request a Lower XXXX : - In XXXX or XX/XX/XXXX, I contacted Westlake Financial to request an XXXX reduction due to financial hardship, but they refused to negotiate. 
- On XX/XX/XXXX, I contacted them again to discuss lowering my APR. I was again denied and was told my only option was to seek another lender to refinance. 
- Due to my current unemployment status and creditworthiness, refinancing through another lender is not an option for me. 

Westlake Financials unwillingness to work with me, despite my financial hardship and reasonable attempts to renegotiate, raises concerns about unfair lending practices and lack of consumer protection. The high XXXX and excessive interest payments make it difficult for me to maintain financial stability, and I am seeking assistance in reviewing whether these practices align with consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and determine whether Westlake Financial is engaging in predatory lending practices. I also seek guidance on potential remedies or options available to borrowers in my situation. 

Thank you for your time and attention. I appreciate your assistance in addressing this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to delete a fraudulent account on my credit report. I have written several letters asking them to remove it. Account Number # XXXX
Product: Debt collection

XX/XX/15 Car Accident. Had Issues With Insurance Company. Contacted XXXX Filed A Complaint Insurance Took A Few Months Although Claim Was Paid. The Original Amount Wasn't Paid Due To GM FINANCIAL Repossession Of The Vehicle. However, I Kept In Contact With GM FINANCIAL Regarding The Situation. I WAS NOT NOTIFIED BY GM FINANCIAL THAT THEY HAD TAKEN POSSESSION OF THE VEHICLE. I Have Supporting Documents That The Claim Was Paid & The Only Reason GM FINANCIAL Did Not Receive The Original Amount Is Due To The Information That They Reported To The Insurance Company. Therefore, Claim Should Have Been Paid In Full Through Insurance & GAP. 

With That Being Said, GM FINANCIAL Brought On A Debt Which I DO NOT OWE. If The Insurance Company Rectified The Situation So Should GM FINANCIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX and was provided my XXXX day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them three times and been given a different answer. I have files disputes with each of the three credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!