23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Helvey and Associates are harassing me for an unverified debt of {$340.00}. Helvey and Associates flagged my credit files with unverified information and have damaged my credit scores. Helvey and Associates are debt collectors demanding a debt on behalf of XXXX XXXX of the XXXX. 
I have not received goods or services from Helvey and Associates. I am formerly requesting XXXX XXXX of the XXXX to provide contractual agreements stating the exchange of goods or services to me ; along with a permissible purpose to Helvey and Associates releasing my private information. 
Present contractual agreements supporting Helvey and Associates and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Helvey and Associates on behalf of XXXX XXXX of the XXXX. 
As of XX/XX/2023, Helvey and Associates received a validation notice via certified mail and have not replied. Helvey and Associates do not have a permissible purpose to contact me in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. 
I am not a party to current/past agreements Helvey and Associates may or may not have with XXXX XXXX of the XXXX I am not responsible for Helvey and Associates purchase / transfer from XXXX XXXX of the XXXX I have not agreed to pay/tender anything to Helvey and Associates . 
I have contacted XXXX XXXX of the XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Helvey and Associates.

Helvey and Associates do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me.

Helvey and Associates reply outside of the XXXX XXXX, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 
Helvey and Associates., are not Holders in XXXX XXXX with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Kindly Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal!

I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter.

I am DEMANDING you to remove these collections accounts!

for Improper use on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report ( XXXX XXXX that I do not recollect opening. 

I sent a letter to the creditor, Comenity capital bank asking for information on this account but more importantly, I would like a copy a contract/ and or what was bought at XXXX so I could investigate it. 

Comenity capital bank sent a letter back to me saying the account in question was sold on XX/XX/2019. 
Im not sure how they can report this on my credit without validating this account at my request.
Product: Credit reporting or other personal consumer reports

My name is XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported XX/XX/2022 A student loan by Mohela/ Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer background check was requested. Upon review a name other than my own was shown to on the report. Everything was identical to my information other than the first name.
Product: Credit reporting or other personal consumer reports

ORIGINAL CFPB # XXXX THE FOLLOWING IS THE ORIGINAL LETTER THAT WAS SENT TO THE COLLECTION AGENCY, THE ORGINAL DEBTOR IS STATING THEY NO LONGER HAVE THE DEBT OR THE NEVER EXISTED. I DIDNT RECEIVE MY 1099 FOR TAX PURPOSE STATING THAT I OWED ANY DEBT. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX TO WHOM THIS MAY CONCERN, I HAVE RECENTLY PULLED MY CREDIT REPORT AND NOTICED THAT THERE IS A COLLECTION LISTING FROM YOUR AGENCY. I HAVE NEVER BEEN NOTIFIED OF THIS COLLECTION ACTION OR THAT I OWED THE DEBT. THIS LETTER IS TO INFORM YOU THAT I HAVE THE RIGHT TO REQUEST A VALIDATION OF THIS DEBT AND YOUR ABILITY TO COLLECT THIS MONEY FROM ME BY PROVIDING THE ORIGINAL WRITTEN AGREEMENT. I ASK THAT YOU PROVE THAT I AM INDED THE PARTY WHO IS CONTRACTUALLY BOUND TO PAY OFF THIS DEBT OR STOP COLLETION ACTIVITY AND REMOVE IT ALL TOGETHER. PLEASE ATTACH COPIES OF THE FOLLOWING DOCUMENTS : PURCHASE AND/OR AGREEMENT THAT YOU HAVE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. AGREEMENT THAT BEARS WET SIGNATURE OF THE ALLEGED DEBTOR WITH PROMISES TO PAY THE ORIGINAL CREDITOR. COMPLETE PAYMENT HISTORY ON THIS ACCOUNT, TO PROVE THAT THE AMOUNT YOU WISH TO COLLECT IS CORRECT. I HOPE YOUR LEGAL STAFF WILL AGREE THAT NONCOMPLIANCE WITH THIS REQUEST WILL RESULT IN SERIOUS LEGAL TROUBLE FOR YOUR COMPANY. 

MUST BE REMOVED/DELETED ASAP
Product: Debt collection

I keep receiving calls from Portfolio Recovery in an attempt to collect a debt for XXXX XXXX that I was told I no longer have an obligation to pay since the debt was from 2004. I asked them to please stop calling and I have also registered with the Do Not Call List. Now they are harassing me at my job initially they were calling my home phone now they are calling my cell phone and job phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 40 days and i havnt receieved any respond from Equifax and XXXX. I dont think they did any kind of investigation to my complain
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I moved my existing balance from my Huntington Bank account to a different account ( leaving my balance at {$0.00} ) and phoned them on XX/XX/XXXX to close the account. Instead, they left my account open and charged a {$25.00} maintenance fee on XX/XX/XXXX. Now I must pay the fee to close the account. If they had closed it when I requested this would not have occurred and seems predatory.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with a company used to be called XXXX on XX/XX/2022, the company put part of the loan in a locked savings account which won't have access to until the loan is paid off. 

A few months after I took the loan, XXXX informed all their customers that they decided to sell all customer loans to another company as a strategic business decision. Thus, my loan was sold to a company called " XXXX XXXX XXXX XXXX XXXX XXXX '' or XXXX as short name. 

I was able to establish online account with the new company and set a username and password to start paying my monthly payments to them. Due to financial hardship, I was late for a few months. One day, I was trying to login to my XXXX portal to make the late payments, then I received error message saying " XXXX - File or directory not found '', so I wasn't able to make any payments. 

A few days later, I was checking my credit report and found that I have negative account showing on my credit reports as a collection account with amount of {$110.00}. It seems that XXXX liquidated the savings account and used to pay the balance on my account without informing me. 

The savings account that was locked had a balance of {$670.00}. However, that savings account was liquidated and the amount of {$670.00} was used to pay the loan balance. Please note that I didn't receive any communication or mails from XXXX that my savings account will be liquidated. And as I mentioned above the website of the successor company who bought the loan from the XXXX  wasn't not letting me to login so I couldn't pay the balance of the loan which was {$110.00}, and I don't have any information for that company so I can send them the payment. 

As I mentioned earlier I didn't receive any mail or any communication from that company regarding any actions they were planning to take regarding my savings account or the loan balance. I am also attaching screenshot for the screen when I try to login to my account through the company 's website, and will see that it gives me error message as " Not Found '' page. Now that amount of {$110.00} is showing in my credit report as charged off or in collection. 

Now my credit score went down because of this negative account that is showing as a collection on my credit reports with all the 3 credit reporting agencies. 

With all that mentioned above, I am requesting to delete that account from all of my credit reports as it's causing harm to my credit specially that I need to move soon and rent a new apartment, and with that account showing in my credit report it will be hard for me to rent a new place. I want to pay the balance owed of {$110.00} but I need first to make sure that XXXX will remove the negative account from all XXXX credit reports and I need to know how can I pay that balance. 

Thanks, XXXX XXXX
Product: Debt collection

For the majority of XXXX  I was incarcerated around XXXX I was released beginning of XXXX a new debt collection was added to my credit report I contacted the company and told them that it couldn't be me that I was incarcerated at the time and they told me I needed to prove who I was yet they didn't require the person who opened the account to prove that identity when opening the account. In short I feel they did not take the appropriate steps to ensure identity verification before opening an account in my name
Product: Checking or savings account

I was using a subscription company for my monthly bills and while using a negatior they told my monthly bills that I asked them for a dispute which made them reembuse my Checking account for several amounts that added up to over XXXX. I kept seeing payment reversals on my checking account I couldnt fig out why, then a day or so later my devices were cut off and I finally found a nice representative that explained what happened. I was horrified. So I went back to my checking account and sure enough it made sense what the reversals meant. So I called Chase bank and tried to explain what happened they did send me notices that they were doing an investigation, which I couldnt fig out why would they do an investigation on reversals payments that shouldnt been disputed with chase because they were my monthly bills I pay every month all the monthly bills were doing was reimbursing me because they falsely thought I was disputing my payments to therm. So as far as Chase Bank all those reversals supposed to be credits to my account that they Never Released because I watched it! When I called chase I was trying to explain to the rep that it didnt need to be investigated because they were refunds from bills that were disputed by a subscription company. So instead of refunded me my XXXX i went from a XXXX  XXXX XXXX  to a XXXX  XXXX. When I called to ask about it they told me I was hacked and the money was spent I was very puzzled because I never saw any transactions go thru to show that their explanation was that I said to stop the investigation so they took the money back. It wasnt theirs to take in the first place it was payment reversals! Credits to my account! Which had Nothing to do with Chase Bank I was so exhausted I requested the account closed, Im filing this complaint because of the article that you have about chase doing this exact thing of not helping customers with disputes in their accounts correctly.. Chase Bank also told me that if I close the account that I couldnt open another one! I told them fine, because I never saw my XXXX because I was waiting for the credit so I could repay my bills and explained what happened the reason they were falsely disputed Chase stated that they ( my monthly billers ) that no such amount was disputed. Which is a Lie I can screenshot and explain what each bill was. Thank you for taking my complaint. I wish to be reimbursed for my XXXX asap. Thank you again.
Product: Checking or savings account

BBVA acquired my checking account from Simple. I had overdraft protection with Simple. BBVA deactivated my overdraft protection without notifying me, and are now trying to collect fees for repeated overdrafts that I would have taken care to avoid if I had the foreknowledge of their activity on my account.
Product: Debt or credit management

I have more of a complaint than a problem. Vance and Huffman LLC reported that I have an account with them in collections. I was trying to get the debt validation completed with them and went back and fourth through emails and come to find out the debt of mine was already paid in full! They indicated that they will submit a request to remove from my credit report which is good, however NOW my score has decreased due to them putting this on my credit report. This should not be allowed with collection companies that do not even know what they are talking about not have they done their research before placing an item on someone's report. So now my credit has decreased due to this company 's negligence.
Product: Credit reporting or other personal consumer reports

I recently look at my credit report. I saw a hard inquiries that dont not have permissible purpose. 
Can you reinvestigate the inquiries I listed above, I also attached evidence 1. XXXX XXXX XXXX on XX/XX/year> this hard inquiry dont have no permissible purpose on my credit report. Delete this inquiry due to violation of 15 USC 168 1B 2. XXXX XXXX on XX/XX/year> this hard inquiry dont have no permissible purpose on my credit report. Delete this inquiry due to violation of 15 USC 168 1B
Product: Mortgage

My mortgage servicing company "  XXXX  XXXX  XXXX  " has rejected my formal request to remove my $ 280 monthly PMI and I belive they rejected it without following their own guidelines and also contrary to what several of their customer service reps told me over the phone.   I emailed them on   XXXX   XXXX   with a formal request and also attached a bank appraisal showing that i am well within the equity limits to remove PMI. I was told over the phone someone will call me to schedule their own bank appraisal which I would have to pay for, and that following the appraisal they will determine if they will remove the PMI. Instead, and after several phone calls, I was told the request was rejected, even though they had NOT done the appraisal yet and even though they had my bank appraisal showing the house was worth over {$200000.00} above the loan amount. I have made any number of calls and even my lender has tried to follow up as a courtesy on my behalf but there is NO telephone number to call the mortgage insurance dept and they have not been in touch with me to discuss any details.   My lender told me the servicing companies often reject PMI removal requests intentionally and that they wait to see which customer is tenacious enough to follow up becasue so many customers just give up after the first rejection.   I believe my account has been handled very badly and I am especially frustrated over how hard it is to reach anyone in a decision making position at loancare.   My email to them is below, and I 've since only been sent a letter advising me of the rejection. This, despite repeated phone calls that I want to speak with a  XXXX  who can trouble shoot what was either a misunderstanding, or a glitch, or an oversight, or possibly deliberate action in order to avoid removing my PMI.    Thank you, MR ============== Dear  xxxxxxx, Thank you for contacting us!     We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquirie s may pr olong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is  XXXX . Please use this number in any further communication relating to your recently submitted email request. Please allow  XXXX  business days for a thor  ough review and research of your inquiry.
====== Your Inquiry ====== Greetings, This is my formal request to have my PMI removed fro  m loan number xxxxxxxxxx please.     Property address :  XXXX   XXXX   XXXX , Washington,  XXXX ,  XXXX   XXXX  Please see attached a bank appraisal showing my home is currently worth {$600000.00}.   The loan 's current principle balance is approx {$380000.00}.     I 'd like to have your appraisal done as soon as possible please. Can you advise on timing and cost of appraisal, or any other costs/procedures I need to be aware of?     Many thanks!
Product: Debt collection

I have received numerous calls from Credence Resource Management in their attempt to locate someone other than myself and an individual/ individuals that I have no knowledge of. This caller does not leave a message when i monitor my calls. When I do answer and ask who is calling they hang up or speak unclearly .When I ask them to repeat who they wish to speak to they hang up. These calls are repeated multiple times a day. The calls number between 4 and 5 times per day. I researched the company by using the phone number they called me from and that is how I found out the name of the company. At no time did any individual from this company identify themselves, the company name or the nature of the call. 
This is harassment. I owe no one any money. I pay my bills on time. I contacted the company on XX/XX/2022 and spoke to XXXX XXXX and she was very slow to connect me with a supervisor. While on the line she took note of my phone number. I was connected with a supervisor named XXXX XXXX who said he would remove my phone number from the list. I informed him I have had use of my phone number for 25 years and whom ever they are looking for I have no knowledge of. As of today. XX/XX/XXXX I have not received another phone call. This company never identified themselves in all the phone calls they made to my phone number. I had to do research to find out who all the multitude of phone numbers belong to. I never want to be called repeatedly, hung up on and have a caller never once identify themselves, the company or the nature of the call.