23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Apparently, Absolute Recovery purchased an account from XXXX @ XXXX XXXX Apartments ( Original Creditor ). I was unaware that I owed any money because I notified the apartment manager I was not going to renew my lease due to having to relocate for my job ( this was at least 3 months before I moved ) The apartment manager stated that was fine but apparently when I moved they charged me a months rent stating I didn't give them a 60-day notice when in fact I did ( verbally, upon paying rent ) I caught wind of this debt when it was recently reported to credit bureaus and placed on my credit. I did notice I was getting calls from weird numbers ( when I answer they would hang up ) and when I called the number back it would be Absolute Recovery ( making it like I was calling them after they called me and hung up ) Here are the numbers I was being called from and I told them numerous times not to call me because I'm at work nor did I have any knowledge of an owed debt ) XXXX XXXX XXXX Absolute Recovery is very aggressive and rude, I understand they want to collect a debt they purchased for pennies on a dollar but I've disputed this inaccurate data numerous times and it had not been marked disputed on my credit report which is also a violation of the FCDPA. I also informed the agent, who stated her name was XXXX XXXX I never signed a contract with their company and had spoken with the apartment complex who failed to contact me with any balance owed, therefore ; I don't owe a balance with them nor did I give permission for the collection agency to have my SSN, therefore ; the account should be deleted from my credit profile. Also, the amount listed isn't the correct balance the apartment manager stated and the reasoning why. If this dept isn't deleted, I will seek legal counsel to handle this matter.
Product: Credit card

We were victims of a scam overseas in which were threatened unless we provided a credit card on XX/XX/XXXX. Upon return to the United States we opened a dispute with Citibank XXXX XXXX XXXX XXXX ). Dispute customer service representatives are all overseas and unable to read, write or speak in XXXX, and is virtually impossible to speak to someone in XXXX to convey information. Nonetheless we provided all documents regarding the dispute as requested by Citibank. Unbeknownst to us and without an investigation Citibank closed the complained falsely stating we accepted the charges on XX/XX/XXXX. Which is not true, as we submitted more documents regarding the dispute as late as XX/XX/XXXX. 
We went to a citi branch in Maryland to try and speak with someone in XXXX because all Citibank employees arent really fluent in XXXX and we dont speak their language. On XX/XX/XXXX the branch manager contacted XXXX in the dispute department who was polite and told us someone ( not us ) close the dispute due to a glitch and no investigation was ever conducted and it was a mistake from Citibank. We werent aware of this and requested the dispute to be reopen. Citibank is non- commital to reopen the dispute even though they closed it not us, we never admitted responsibility for the charges. They refuse to give a straight answer and when we requested to speak to a supervisor XXXX in Arizona ( manager ) was extremely rude, condescending and borderline verbally abusive and basically again was not commital to reopen the dispute and give us the credit back while they investigate. Citibank never investigated anything. Citibank closed it without our consent and refuses to rectify their mistake and their customer service employees either dont speak XXXX or are abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

T

o : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed

with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Product: Debt collection

Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either. 

Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this. 

XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend. 

To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.
Product: Mortgage

I filed the original complaint on XX/XX/XXXX in regards to the lack of communication from the loan officer resulted in the refinance not closing. On XX/XX/XXXX, Flagstar Bank provided a letter recognizing their communication failure and would reimburse me for the appraisal and additional insurance fees that resulted from the refinance process. I have made several calls to the office of XXXX XXXX at Flagstar Bank to inquire about the refund and after leaving voicemails each time I have not received a call back. I tried to email XXXX XXXX this evening, ( I was guessing what her email would be based on other Flagstar Bank employees emails ). As of XX/XX/XXXX, I have not received the refunds originally promised due to their lack of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help, please. 
Trans Union credit report bureau, as of XXXX, reporting that I have delinquent and derogatory accounts and, therefore, have lowered my credit score.

I do not have any delinquent and derogatory accounts. I repeat, I do not have any delinquent and derogatory accounts.

All my accounts are up to date. I do not know the problem with the Trans Union credit report bureau company and why they are reporting false information about me. 

I want the company to provide me with all the delinquent and derogatory accounts that they claim I have as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Mortgage company Amegy repeatedly mails notices that they cant verify hazard insurance after hazard insurance paid for and uploaded. After changing insurance companies and uploading new insurance, we always receive a notice from Amegy that we didnt have insurance for the period prior to changing companies. Have spent 6+ total hours on phone with representatives regarding this issue. Eventually Amegy bank used escrow money for lender-purchased insurance ( now we have dual insurance, since were already insured ) and wont refund the money.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to BANK OF AMERICA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting

I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit
Product: Consumer Loan

I purchased a car through Santander Bank and the car was refinanced through XXXX and paid it off early 2 years early. But this is still being reported on my credit report. I have requested that it be removed multiple times but it has n't it. 
I was no longer under the agreement as I paid XXXX of XXXX XXXX. 
I would like assistance with getting this removed off my XXXX credit reports. This has been pai paid off for 7 years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX DATE FRAUD BEGAN XX/XX/year> AMOUNT {$1400.00}
Product: Debt collection

These are not my accounts i also asked the company can they please send validation of the debt and they could not provide me with the information
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below.

This is grounds for removal and monetary relief immediately.

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number XXXX Date Opened is Incorrect XXXX No High Balance XXXX Incorrect reporting monthly XXXX XXXX {$8000.00} Above Account total : {$11000.00} XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balance Incorrect Equifax is reporting 2 months of late payments during covid 2XXXX ( XXXX ) Above Account total : {$5000.00} XXXX XXXX XXXX  XXXX INCORRECT NAME Incorrect Account Number No high balance XXXX is reporting 6 months of late payments during XXXX XXXX ( XXXX ) Above Account : {$9000.00} XXXX XXXX XXXX Incorrect NAME Account Number INCORRECT Date Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance REPORTING 16 MONTHS AS COLECTION Above Account : {$21000.00} XXXX XXXX XXXX XXXXXXXX WRONG NAME Incorrect Account XXXX XXXX Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance Above Account : {$23000.00} OVER {$69000.00} IN VIOLATIONS ATTACHED BELOW AND DISPUTE RESULTS AS WELL
Product: Checking or savings account

On XX/XX/XXXX I paid a individual XXXX and on XX/XX/XXXX I also paid this individual XXXX for consultation and aide for housing and student loan deferment. This individual never showed up to the meeting after I paid him. I filed a police report filed a claim with my bank as well as XXXX XXXX. Chase refunded me the money initially and then reserved the claim, and took the money back out my account without any reasoning as I have proof through text messages and phone calls that this individual never showed up or provided any service made out to me. 
XXXX from chase bank states that since the money is not recoverable they will not refund me money.
Product: Student loan

There has never been any type of consistency on how the payments are divided into Principal and Interest, and they will not provide an Amortization schedule that shows how the payments are divided. Just strange to me that they said that. 

Thank you
Product: Vehicle loan or lease

Received urgent text XX/XX/year> from Westlake Financial my car loan provider. I responded it prompted me to login to my account where they offered to delay my monthly payment from XX/XX/year> to XX/XX/year> and each month thereafter. I thought I chose to not delay my payment date, but this morning XX/XX/year>, i received an email stating that my payment date had been changed to XX/XX/year> and there would be a balloon-payment due at the end of my loan term. 
I called Westlake Financial this morning to undo this deception and spoke to XXXX. He can not calculate the balloon-payment amount. He spoke with supervisors several times. He finally responded it should be resolved with 24-72 hours. I told him that if it takes 72 hours ( XXXX XXXXXX/XX/XXXX ) my payment will be past due. Even if it gets resolved, there is no guarantee there won't be a balloon payment due at the end of term still. 
I told him I find this practice deceptive to send urgent text messages and there is no evidence of the page I viewed when I believe I chose not to change or delay my payment date.
Product: Credit card

I am requesting a refund for order XXXX in amount {$30.00}. My purchased was never received. Old navy will not refund.
Product: Debt collection

On Friday XXXX XXXX I received a call from Diversified Consultants Inc from number XXXX. When I discovered it was a debt collector who purchased my account from XXXX I advised the caller that they had called a business line and stated they were not to call this number again. Just shy of 24 hours later I received another call on the same phone from this company from XXXX. I also find it funny that this company has called twice from a XXXX area code which is local to me but they are actually calling from XXXX, FL! I did not answer the second time and called them back this morning to inform them of the complaint as well as let them know if they call me again I will proceed with legal action.
Product: Debt collection

I have a big problem with the way an alleged debt is trying to be collected by email, Date : Wed, XX/XX/scrub>XXXX XXXX XXXX Subject : Please Contact Us to Resolve Your {$7500.00} Debt Resolve your overdue balance of {$7500.00} today by contacting us to discuss your options. 
Creditor : CROWN ASSET MANAGEMENT , LLC Our Account Number : XXXX Creditor Account Number : XXXX Balance : {$7500.00} Resolve your overdue balance of {$7500.00} today by contacting us to discuss your options. 

This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 

Dear XXXX XXXX XXXXXXXX XXXX XXXX  ) is a Collections Agency in Massachusetts that has been authorized by CROWN ASSET MANAGEMENT , LLC to contact you regarding an outstanding debt. 

Our representatives have attempted to reach you to resolve a past due balance of {$7500.00} that has been placed in collections. If you are facing financial hardship for any reason, it is critical that you contact us so that we may document that information and work with you towards a mutually agreeable resolution. Collections efforts will continue until your account is resolved. 

When you contact us, be sure to reference account number # XXXX Please keep in mind that unless you communicate with us, we can not assist you. 

Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account, please call XXXX Online : To make your payment online please visit www.payacs.com or click the button below CLICK HERE TO PAY Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actior have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I bought my condo unit in XXXX, XXXX, making my first payment on XX/XX/XXXX. As a rule, I make all house payments one month in advance. That is why by the time I made the XX/XX/XXXX payment, I couldn't understand why I was receiving a notice that my XXXX, XXXX payment had not been made. I was to find out the Lender was not accepting my monthly mortgage checks due to a computer problem. I was told to stop payment on the XXXX thru XXXX, XXXX payments. XXXX XXXX, my Bank, checked everything out on my side and determined there were no problems. The computer problem was corrected in XXXX and I made a lump sump payment to cover the missing months. The problem is that, even though I had nothing to due to the problem, the Lender filed negative information against my credit report. They reported non payment of mortgage payments and " unknown information '' under 2 months. 
For the months from then to now I requested correction of all the negative information, but they refused stating, " I send them documentation showing payments were made in a timely manner and a copy of the unbridged credit report ''. They were given all this information when I paid the lump sum payment. The Qualified Written Request from XX/XX/XXXX was answered by saying they had already furnished an answer. I was told RESPA did not apply when I gave them the offending sections. 
On XX/XX/XXXX, XXXX called ( XXXX x XXXX ) and left a message stating all the credit problems and negative comments had been resolved and were no longer on my credit report. I accessed that information and noting had changed. I called XXXX and left a message that I needed the documentation to show my records were clear, but she never called back nor did I get the information. I am still in the same negative position I was in XXXX. I advised them that I bought a car in XXXX and I was turned down from 3 lenders and the interest rate I was forced to pay due to their malfeasance cause my monthly car payments to be exorbidant. 
I have spent untold hours of work trying to get this straightned out, but the Lender contimues to igorne me to my deteriment.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$690.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" Comenity '' has been calling me from several different numbers, several different states, including " Unknown '' ( anonymous ) numbers for a store credit card I have already paid. 
They have also called me on weekends, at night, and at work.
Product: Bank account or service

I have had an existing business debit Paypal account for over 2 years, suddenly Paypal has held my money illegally without the right to file a claim, complaint or legal reason for holding the funds. 
Paypal is currently not registered as a Transfer Agent accordingly to law and what they are doing is illegal according to consumer law.