23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Portfolio Recovery filed to revive an old debt of mine. The debt was charged off in XXXX, making this debt outside of the six-year statute of limitations in Ohio. I paid the settlement in XXXX. They are now suing for the amount that was charged off. 
They did not check the accuracy of my file before sending me anything. They used my maiden name that I have not used since XXXX. They used an address associated to me but one at which I have never live or received mail. The address they used was reported in XXXX. However, I have had two new addresses reported since XXXX, meaning they did not verify or seek out my most current information. Portfolio Recovery is also quoted in one of your orders saying " 90 % of our cases are default judgements. '' Since my information was never verified, they sent all documents to an incorrect address under an incorrect name. The result of this deceptive act was a default judgement in their favor. I have not tried to work this out with Portfolio as it has already gone to court without my knowledge. 
In an order filed by your agency on XX/XX/XXXX that stated they are restrained for seven years from collecting on any time-barred debt through litigation, arbitration or other legal collections. The seven years has not passed and therefore they are in direct violation of this order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call, sent letters to Experian to remove and delete. This is not my account They are not following rules at all
Product: Credit reporting, credit repair services, or other personal consumer reports

ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.
Product: Debt collection

I am getting repeated letters in the mail as well as phone calls from National Credit Adjusters saying that I am in debt to XXXX XXXX for {$1800.00}. This alleged debt was previously on my credit report by XXXX   XXXX XXXX collecting for XXXX XXXX XXXX. I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX, and an agreement was made to remove the collection account from my credit report, not to be reported or resold again. I received no response. 

In XXXX XXXX, I was alerted by my credit monitoring service that National Credit Adjusters had illegally reinserted the previously mentioned collection account on my credit report. 

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Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX  Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Debt collection

A woman named XXXX XXXX called me from XXXX and left very threatening voicemails on my cell phone. She claimed to be an attorney, then later a Legal Mediation Company, owned by Premier Holdings group. She claimed there was some sort of nefarious legal mess I was in that was being turned over to XXXX County, City of XXXX, where I lived to a Grand Jury and that I would be arrested, prosecuted, and my life destroyed. She also called me on my job. I do not carry any debts and do not know what this person is even referring to. Anytime I try and call her back she screams and refuses to give me information about my supposed account. Please help me with this situation. I feel concerned that she is crazy and dangerous. She left yet another voicemail with this imaginary case number XXXX. 

Thank you for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my TransUnion credit report XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, XXXX and transunion are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.
Product: Mortgage

My mortgage loan was sold from XXXX XXXX to Loancare starting XX/XX/18. I made XXXX 's payment with XXXX XXXX on XX/XX/XXXX which they state has been transferred over but Loancare still says they have not received that transfer. I have been going back and forth between both companies trying to figure out what I can do to resolve this issue. They both kept telling me not to worry because I have a 60 day grace period before the payment is actually considered late. I have 15 days left until that 60 days is up and neither company have resolved anything. I have sent proof of payment via e-mail and talked to a manager at Loancare. The last thing I was told to do from Loancare was to get a print out of my transaction with XXXX XXXX from my bank for the payment made on XX/XX/XXXX and then send that via e-mail. That has been done and I am now waiting on a response. I ended up making a mortgage payment for the month of XXXX as well as XXXX on XX/XX/18 because I don't want any payments to be late. I have now made 4 payments for 3 months. I took out roughly 3,500 out of my savings just to make these payments for XXXX and XXXX since nothing has been resolved regarding the payment I made for XXXX on XX/XX/XXXX. I have been dealing with this for about a month and a half now and have definitely been losing sleep over it because I feel like there is nothing I can do. My XXXX levels are at an all time high because I have been working on building my credit for a couple years now and would hate for a payment to be considered late which is why I ended up just making the two payments on XX/XX/18. All I want to do is make my mortgage payments on time which I am fully able to do. It should not be this hard and stressful to make a payment on time. Every time I call either company I am being treated like I am trying to get by with something and everyone keeps telling me to not worry about it and that it will get resolved. I am very disappointed that neither company can figure this out and that I feel like it is up to me to correct this issue that is between them. This is very discouraging considering this is my first house I have ever owned and finding out THIS is what I am going to have to deal with from now on. I have had to take time away from my job several times to sit on the phone with both companies on many different days. This has caused enormous stress in my life that is not deserved. I can't wait until this is figured out if it ever will be.
Product: Credit card or prepaid card

Called Capital One Customer service on XX/XX/2017, to take advantage of 0 % APR for 12 months with a 3 % balance transfer fee. 

I did 3 balance transfers. All 3 were posted on XX/XX/XXXX. 

XXXX Card for {$7500.00} XXXX Card for {$9200.00} with 3 % fee at {$270.00} XXXX Card for {$5200.00} with 3 % fee at {$150.00} The XXXX Card Balance Transfer for {$7500.00} was erroneously done at 21.90 % purchase interest rate. After 2 billing cycles of " research '' and no call back to myself, Capital One claims they " listened to the call '' and that I had agreed to this interest rate. 

I have done multiple transfers at 0 % on the SAME call ... Capital One is relying on trapping me in a moment of weakness on a phone call that had 3 separate terms and conditions read to myself, including 2 at the proper 0 % interest rate. 

Please reach out to Capital One and research that phone call, and find out what it is they are doing to correct this issue. This ends up being {$1600.00} issue over 12 months and Capital One reaps the benefits of slimy phone behavior. 

Thank you. 

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

On the Experian.com it states that " The federal law prevents a debt collector from : Discussing your debt with anyone except you and your spouse, or an attorney representing you. A debt collector can, however, contact other people to obtain your phone number, address or workplace information. '' In my case the original creditor is XXXX XXXX XXXX XXXX, I did not give them any permission to discuss my debt with XXXX XXXX XXXX and now Experian is reporting this on my credit report. It also says on their website that " If a collection agency has been unable to recover money from you, it can resell the debt to another collection agency. However, the debt will retain the original date of the delinquency. Therefore, the collection agency can not report old debt as new debt. '' Well the original dates of these debts are from XX/XX/XXXX and XX/XX/XXXX but on my credit report is says the date opened was XX/XX/XXXX. So if a collection agency can not report old debt as new debt this should be removed from my credit repot immediately.
Product: Credit card

In XX/XX/year>, my contract hours were reduced to XXXX due to budget constraints before the contract ended on XX/XX/year>. Since then, I've made monthly payments of $ XXXX, and XX/XX/year> was my first attempt out of XXXX failed tries to request financial assistance. Capital One offered a payment plan of $ XXXX for 3 months which was more than my normal monthly amount. This plan was offered in all XXXX attempts I made to seek financial relief, I even suggested closing my account and lowering my rate to manage and pay off credit without damaging my credit. 

Now that I have no income, they will not assist or offer any financial assistance. This was their excuse the second time I requested during the time my unemployment was depleted. I reapplied and received additional funds, but Capital One offered the plan I mentioned above. 

A minimum payment is approximately {$230.00} at 28.4 % Variable APR and the monthly finance charge fee is approximately {$170.00}. 

I can not understand why there are no regulations when there is a job and economic crisis. It's disturbing how lenders and creditors handle such situations. They prefer to let consumers become delinquent and default on their loans rather than offer preventive measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my Personal Information got stolen. I am a victim of Identity theft. I am submitting my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : AMEX/XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

Collection Agency : Nationwide Recovery Business who raised : XXXX XXXX XXXX XXXX ( Closed ) Now called XXXX XXXX XXXX I lived in an XXXX  for 6 months in XXXX I left the XXXX and whatever dues, I owed I paid those rest was responsibility of the room mate. 

I have invoice from XXXXXXXX XXXX XXXXXXXX XXXX stating the same. 

I reached out to Nationwide Recovery Service ( Collection Agency ) why this debt collection was raised. They requested for invoice. I Provided them invoice. Collection Agency told me they will get to their client who raised the debt and will get back. It has been more than a month, and I have reaching to them to check but they are like we have not heard from their client. 

Instead collection agency is raising it as debt to all credit bureaus which is hammering my hard earned credit score In 5 years I never got any Call/email/ mail about this I asked them any ETA or date I should wait, they have no answer. They are hammering my credit even when i provided all the proofs. 

I connected with XXXX XXXX XXXX XXXX team now known as XXXX XXXX. They told me to tell Nationwide to connect with them, but Nation wide is not ready to listen to my request. They keep repeating that they have connected with Client and waiting on them and XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX ) told me they have not hear anything from them This False claim Not only hammered my credit score but also wasted 20 hours of my time. and harassed me as well
Product: Credit reporting or other personal consumer reports

I recieved denial for credit card application from Wells Fargo. I did not apply. The reason fro denial was too many attempts in recent time. I have not applied for any.
Product: Debt collection

Over a medical bill incurred during XXXX problems, which ultimately led to XXXX. Even though paying a monthly amount, XXXX turned it over to Patients Accounts Bureau since I refused to give them direct access to my checking account. Patient Accounts Bureau then called MY PARENTS, who are in the XXXX 's and live in another state - worried them totally. I am a XXXX year old adult and am livid that my parents were bothered. Plus the only way their phone number could have been obtained was via the " Emergency Contact '' when I had the medical procedures. Is that legal? My recent communication with them was harrassing and threatening. I am showing due diligence and making payments to ALL involved in the XXXX diagnosis and XXXX but this one account wants more than I can afford and wants " direct secure access '' to my checking account, which I refuse to give. XXXX and XXXX are the two at Patients Account Bureau who are harassing me, and my parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Transunion credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from XXXX XXXX XXXX in XXXX, MS and XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but Transunion is still reporting it on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXX  Balance Owed : {$4200.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$380.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX, XXXX XXXX XXXX, XXXX, NC, XXXX
Product: Checking or savings account

Please forgive my grammar On XX/XX/XXXX I listed my tires and rims for sale on my XXXX for {$500.00}, a few hours later I was contacted by XXXX XXXX XXXX expressing his interest and we agreed to meet for inspections, he came and liked them. He decided to pay me via XXXX which I wasn't comfortable with but eventually agreed, he sent me {$500.00}, and I logged into my Capital One account and saw the money. We shook hands and he left with the items. XXXX days later, he called to tell me he didn't want the tire and rims anymore and would like his money back. I said no problem and told him to bring them to me and I would pay him back via XXXX. 

He refused insisting on me sending him XXXX then he will send my tire and rims via XXXX which is very suspicious because I'm afraid I might not hear from him anymore. He threatened to deal with me which I didn't take seriously. 

On XX/XX/XXXX, I found out my account had been restricted by Capital One, I called to find out what was going on. Capital One told me someone disputed a XXXX transaction and I explained to them what transpired between us. Capital One asked for his phone number to confirm, I gave them the phone number but Capital One said they couldn't verify the phone number was registered in his name, how am I supposed to have so much information from someone I met for XXXX minutes? The phone number XXXX XXXX XXXX provided is registered with XXXX in his name but Capital One refused that and told me to go find another number their system can verify which makes no sense to me. Now they are threatening to close my account without listening to my side of the story I also have no access to my money in the account.
Product: Debt collection

I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXXt Requires that the creditor to report your account as Current and good standings.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )