23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : While checking my most recent Transunion credit report, I noticed credit inquiries that XXXX did not authorize to pull my credit report. The inquiries made by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and a serious breach of privacy rights. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.Attached are copies of my state ID and bank statement to confirm my address. Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024, I sent in a dispute packet to all three credit bureaus with a statement about the identity theft I am suffering from and a copy of my credit report from all three credit bureaus and a copy of my license and social security card and a copy of an FTC report and Police report. I sent in a demand to comply letter 30 days later and I still have yet to hear from these companies. I demand these inaccurate fraudulent accounts be removed immediately from my credit report being that I am an identity theft victim. My life has been in shambles because of these discrepancies. I have them well over 30 days before contacting this agency. The only response I get from Experian are emails saying it has been such and such days since your dispute, but the days are always mixed up and appear less times than when I actually sent it then the number will change in a different direction, but all does not make sense!
Product: Bank account or service

I deposited a {$700.00} check into my chase bank account XXXX/XXXX/2016 which I have had about 6 or more years. I also requested {$200.00} withdraw at same time via ATM. I was granted the {$200.00} and was taken out of my SSI which I recieved through direct deposit on XXXX/XXXX/2016. The receipt showed had a balance of alittle over XXXX dollars. The next day I went into bank and asked how long usually takes a check to clear, They said funds would be available at midnight. I didnt want to withdraw any till cleared. Wendsday XXXX/XXXX/2016 I went to withdraw my rent and electric out of bank wich would come out of my SSD the ATM wouldnt even let me do balance check told me to call customer service immidiatly, so I did, after talking to quiet a few different so called supervisors the last one told me they had put a restriction on my account due to check, didnt know if bad or not, but said all the sudden instead of positive I was negative {$200.00}. Which couldnt figure out due to it was from my SSI of XXXX. My XXXX is XXXX. I couldnt even access that even though was in bank. When went into bank to discuss head branch said m, y account would be closed XX/XX/XXXX and they would send me balance 10 days later by check. Really you close my account how am I going to cash my check. They didnt care I was on positive side, I could not access my SSD payment. I had to XXXX till could get money from my son 3 days later due to couldnt even withdraw XXXX dollars of my money. I know owe a late fee on rent and looking at eviction. They said it was because the check was for an item I was selling on XXXX and anyone associated with XXXX their account will be closed. It was a local personal check for the exact amount. after the fact found out it was NSF but they closed account before they even knew that. I am looking at electrical shut off. I am XXXX needless to say and need to know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX account on my XXXX  XXXX being XXXX XXXX which is only on XXXX  and I never opened an account with this company. The XXXX  XXXX is XXXX which is only on Transunion and I never opening an account with this company.
Product: Checking or savings account

I received a call from Bank of America claiming I was eligible for {$8000.00} loan and if I wanted to boost my credit I was interested in boosting my credit I ask how do I do this I found out it was Bank of America employees who scam me saying the XXXX XXXX would deposit fund into my account I did not have to provide any info bank employee already had it. Because I was customer 13 years the Bank of America employee told me XXXX XXXX would deposit funds into my account I would have return it and they said Bank of America would deposit I would do same I was just needing one point boost my credit score. Later I find out Bank of America data was breach this was bank scam I was told they had on video me deposit checks that turn out be fake into atm in XXXX XXXX I then ask for proof video then Bank of America changed there story and told me it was done mobile check was my name forged spelled incorrectly. I told Bank of America I never deposit in my mobile app I would have known it have be from my number Bank of America employee told me no only other way it was done by employee I ask who so I can report them to police Bank of America employee said cant say have to protect my employees I said they scam / frauded me you want to cover for them make customer responsible they said yes. Part that concern me is I have 3 social security direct deposits going in Bank of America refuses to give it to me told me its going pay employee who scam me I said how is that fair that my only income for entire month Im suppose use 2 of those checks for my XXXX XXXX XXXX who has medical issues she going with no food I have nothing pay her friend given her some food not enough keep her healthy for month worth that what ssi check was for Im ask that Bank of America pay me those social security checks it was them who came to me it was there employee who scam me put fake funds into mg account I never had any knowledge of checks being use or my name being forged Ive filed police report fbi report with you guys fitc you guys occ and 2 news channels I was unable to provide school supplies for my daughter because Bank of America thinks its ok to scam customers and then make them suffer. They said that to my face. I dont know how anyone can hold me responsible for Bank of America scam going on. I never gave Bank of America anybody ever my log in info and Bank of America was able to change that lock me out theyve gotten away with it so far Ive ask for for supervisors and or managers they hung up in my face or told me leave not come back Ive been trying clear my name Bank of America has treated me so badly I dont know how theyre even allowed treat customers of 13 years like this. Im out this social security Im struggling provide for my kid needs and to survive myself knowing that my only income. Bank of America refuses to give it to me even tho federal money.
Product: Mortgage

Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.
Product: Debt collection

On XX/XX/2020 I discovered Receivables Performance had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

It was deleted from my credit report XX/XX/2020 the collection company nor did XXXX  notify me to validate the debt nor did they notify within 5 days after the reinsertion I still havent received notification to this date. 

XXXX  just mailed me out a updated credit report and doesnt mention Receivables Performance at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in reference to accounts : Dept of Ed/XXXXt XXXX Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which Experian responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XX/XX/2019 listed as " OK '' but the following month XX/XX/2019 is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Product: Checking or savings account

I was notice last week on Friday that my card was lost. Or stolen. 
Last Monday, I visited TD brunch XXXX XXXX XXXX, NC XXXX They did not provide me new card, they said firstly yes we will, lastly no we will not. I had to stand at the cashier register proximally XXXX minutes while he and his colleague like laughed at me. Yes we fill the fraudulent dispute + XXXX $ dispute from XXXX. I show proofs of transaction error when paid XXXX $ online. He did not take it. 
My limit for overdraft was XXXX XXXX grace period next business day. 
So fraudulent charges all from XXXX posted on XX/XX/XXXX, XXXX $ up to XXXX, XXXX, XXXX, XXXX ( XXXX ), then XX/XX/XXXX, XXXX charges of the same amount of XXXX. 
HOW THEY ALLOW OVERDRAWN MY ACCOUNT UP TO XXXX $? If my limit was XXXX $????????? 
After 1 day they decide that no error was occurred, we have send you a mail. Ok, where is the proofs? 
The response that I used chip online?????? What?? 

Incompetent employees at brunch probably include XXXX $ in fraudulent claim. 
No, XX/XX/XXXX, transaction from XXXX XXXX $ is not fraudulent. I have proofs that transaction did not go true. 

Some kind of circus not a BANK!
Product: Debt collection

On XX/XX/XXXX, I first contacted the credit bureaus regarding a dispute with creditor, American Express. While reviewing my credit reports, i noticed that American Express has been re aging debt so they would appear as active. They are reporting these accounts as new, changing the date of last activity, reporting late payments on a charged off account. I recently wrote to the credit bureaus to ask for validation of the debt and how was this debt verified. American Express when receiving my disputes update the same accounts by changing the dates, so they can continue to report them as new, which hurts my credit score tremendously. 

They are re aging these accounts which have been charged off. One account they are reporting activity in XXXX and these account was charged off in XXXX. 

American Express refuses to delete the accounts from my credit reports. They have violated the law and have not provided any validity to this debt. They only say its been verified.
Product: Mortgage

After calling Nationstar Mortgage XXXX number there are no clear instructions about how to get a hold of a live Customer Service person. I had to go through a complete maze of entering numbers and finally had to blast my phone with rapid XXXX and # # # # to get someone on the line. Then when someone answered and I told them of their horrific system they got downright nasty with me!!!!
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

The company in question with my VA Loan is Carrington Mortgage Services. My existing VA Loan was sold to this company. I started payment with them XX/XX/XXXX. This company has so many fees and they have made it difficult to send payment to them without assessing a service fee on top of the mortgage payments. Their is a service fee to pay online with Carrington, a service fee to pay over the phone. This company should not be allowed to service veterans with VA Loans as they are stealing money from veterans when we make payments. This is a practice that is disgusting. How can I pay my mortgage without them also charging me for sending them a payment. This is asinine.
Product: Credit reporting or other personal consumer reports

According to the FCRA you are in violation of 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.
Product: Debt collection

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.
Product: Credit card

The interest rates that were charged by Chase after my credit cards have been paid in full still has still not been rectified. I spoke to XXXX XXXX and I left her a voice message numerous time and sent her an email that shows that I paid off my credit card, but still has been charged credit card fees. These fees were illegally charged and I would like a refund. 

This is the email I sent. See below. Plus I will send the attachments too. They never bothered to respond and hoping that I just go away. I wonder how many other customers they have done the same and gotten away with a lot of fees paid to them that should not have been. I have never had a credit card company continue to charge me interest after it was paid in full and I have all major credit cards including XXXX XXXX XXXX XXXX XXXX. Not one of them have illegally charged interest fees like Chase has. 

CFPB XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX to XXXX, XXXX These are the attachments for Chase Credit Card ending in XXXX and XXXX. I have provided a copy of my statement where I had paid the credit card in full in 2019, however I am still being charged interest several years later. Also, attached is XXXX paid in full where I was charged an interest. I have never been charged interest from other credit card companies once it's paid in full. 

Please let me know if you have any questions. 

Sincerely, XXXX XXXX XXXX 3 Attachments Scanned by XXXX
Product: Credit reporting or other personal consumer reports

TRANS UNION, XXXX, and XXXX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its repeated failure to conduct a thorough investigation into inaccurate items on my credit report and incorrect personal information, despite multiple dispute letters sent on various occasions. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently submitted dispute letters to Experian, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Experian with the investigation results. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, such as Experian, must conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Experians repeated failure to conduct such investigations is a violation of my consumer rights under the FCRA. 

Enclosed, you will find a copy of the dispute letters I sent to Experian as proof of my efforts to rectify inaccuracies on my credit report.
Product: Mortgage

On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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 in months that are reported late to be removed.

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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX XXXX and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to this matter