23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received a call, where the caller refused to identify themselves but ask me for who I was, said there were trying to collect a debt for XXXX, that I have previously filed a complaint ( Complaint # XXXX ). On XX/XX/XXXX I received mail from XXXX XXXX XXXX XXXX requested me to pay {$1400.00} for a debt from an Original Creditor - XXXX XXXX XXXX, XXXX, purchased by a current creditor - PYOD LLC, with a charge off date of XX/XX/XXXX. Next of XX/XX/XXXX I received another letter from Resurgent Capital Services informing that under NY State law I have the write to request substantiation of abovementioned date, of which they list my last payment date as of XXXX received another letter on XX/XX/XXXX from Resurgent Capital Services informing that they have initiated a review of the inquiry " they recently received ''. I never requested any information from Resurgent as this case had been settled due to identity theft as far as I knew ... .they sent statements supposedly sent to me in address that is not mine! Lastly on XX/XX/XXXX I received another letter from Resurgent Capital Services informing that they had received a recent inquiry regarding the abovementioned account and have enclosed a summary that provides verification of debt. THIS OFCOURSE IS INACCURATE ... .and is harassment. I do not owe XXXX as I filed complaints/inquiries with this agency as well as XXXX   XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was alerted that a frivolous collection agency United Revenue Corporation placed an account for collection on all credit bureaus for the amount of {$950.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX UNITED REVENUE CORPORATION wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions. UNITED REVENUE CORP HAS VIOLATED HIPPA LAWS LEGALLY YOU CAN NOT DISCLOSE ANY MEDICAL INFORMATION ON MY BEHALF WITHOUT PERMISSION. PLEASE PROVIDE A BINDING CONTRACT BETWEEN ALLEGED DEBTOR AND UNITED REVENUE CORP .
Product: Debt collection

College charging me for a semester I enrolled but could not pay for & had to withdraw from. 
College claiming withdraw policy not upheld. 
College did not clearly identify their withdraw procedure, should not civilly have this kind of withdraw procedure, & also implied strongly that they had a normal automatic withdraw procedure. 
College may also be claiming I received student aid benefits, whereas I did not. 

1 ) I enrolled for XXXX class. 
2 ) I attempted to find funding for semester. 
3 ) I failed to find funding, & could not meet my own cost of living bills. 
4 ) the College sends out warning e-mails implying non payment results in automatic withdrawal ( which is normal in my experience. XXXX, XXXX, XXXX, & XXXX all do this, XXXX implied that they do as well. ) 5 ) XXXX claims I owe them for semester that they know I did not attend, & offers repayment options, but obfuscates contention options. 
6 ) Personal attempts to locate an opportunity to contest their claim yield no results, & further investigation requires a dedicated PHYSICAL trip to their campus, when hours of operation are limited, a full days time is guaranteed to be consumed, & no meaningful resolution or promise of helpful information is assured. 
7 ) Because I am finically destitute & spending my time job searching, this is not an option. I do expect XXXX to self identify their mistake & correct it. 
8 ) XXXX sends their claim of my debt to a collection agency. 
9 ) I contact collection agency & request dispute & information. 
10 ) Agency sends information informing me that XXXX is claiming they provided funds for the semester I did not attend, & that I was not withdrawn from that semester ( my first clue that they have a scam policy. ) 11 ) My credit union records confirm that I did not receive funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears on my credit file as a XXXX XXXX XXXX   XXXX  in which I did not apply for. I'm not trying to hear the XXXX about Experian owns or merge or what ever lie XXXX XXXX is running. Now its XXXX XXXX XXXX all it is a scam by Experian as well as XXXX XXXX XXXX. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the XXXX XXXX. I opt out with Experian in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

Experian : XXXXXXXX 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 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 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

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

I feel I was discriminated against by Chase based on my age. I have perfect credit. Over a year ago Chase, asked me to go into a Hardship program with lowered interest. I accepted this, but I did not understand that they closed my card. 

I keep great credit history. But I do not even have a chase login now. And I want to pay the whole balance I do not want to be in this program. 

I want my card to be opened. I believe there was miscommunication and misleading practices the representative pushed me to accept the partial payment plan but I never wanted that and I never wanted to close my card. I want to pay the full balance have my login back and have my card OPEN. 

I have a high 700 credit score and do biz with al banks. I have XXXX XXXX in assets and I am a good customer, I was misled and I want the card to be reopened and pay the full balance and continue my relationship with Chase. 

Ever since this happened, I tried calling hundreds of times to pay the full balance and get the card back in its original status but no one has been able to help me. 

I just ask for help please I have great payment history and I want to continue biz with chase!
Product: Credit card or prepaid card

On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX  XXXX  that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX  for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX  XXXX   again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX  XXXX  and the only phone number I had for XXXX XXXX  XXXX XXXX seem to not be vaild as the number is disconnected.
Product: Payday loan, title loan, or personal loan

Is I applied for alone on XX/XX/XXXX. I never heard a word back from this company. On XX/XX/XXXX I received the email with my Notice of adverse action letter. 
Per the XXXX, thay have 30days to send this letter not 11 months. Beware of TD Bank
Product: Money transfer, virtual currency, or money service

The service provider, TransferWise - charged my account and has not provided funds. It was a transfer from XXXX  debit card to TransferWise to allocate funds into one banking account. As a consumer, I thought it is easier to manage one account vs. two accounts. In essence, I chose TransferWise to utilize a service called " XXXX Account '' that comes with a Debit MasterCard - to carry my funds as they provided lower rates and extra tools when you use their banking services. 

I transferred over {$2000.00} from my XXXX Debit card ( provided by nbkc ) to my TransferWise, they froze my account after my husband, XXXX XXXX XXXX, transferred money back and fourth to each other. We opened these accounts to make our lives easier and not complicated. I had them for 8-9 months without an issue until this point. 

We are not working because of the COVID situation, and they took everything from us!
Product: Mortgage

A check for an escrow overage was sent earlier this year. It was misplaced and I asked for the check to be reissued. After several weeks the check was resissued on XX/XX/XXXX. However the check was reissued in my mother 's name- she was the original debtor but is now deceased. As the successor I asked for the check to be reissued in my name. For over 30 days I have been given different stories by different representatives. A XXXX was requested, etc to which I obliged. I was advised the the check would be reissued XXXX business days after I advised of the name error. As of last week ( over 30 days later ) the money has been returned to escrow instead of being sent to me. Oddly on XX/XX/XXXX it was approved for the payment to be sent to me, but was instead put back in escrow. I am sure after sitting in their bank account ( before being placed back in escrow ) they gained interest off the money! No one is able to provide answers as to why this money has been placed back into escrow instead of being sent to me as directed. The amount that is owed is {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS SUBMITTED BY ME PERSONALLY! WITHOUT INFLUENCE FROM A THIRD PARTY.
Product: Credit reporting

My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!
Product: Credit card or prepaid card

Entered into payment plan for card in order make payments more affordable. Card representative did not disclose payments made according to the payment plan still counted as late payments. This resulted in four late payments for 2020. I would not have entered into payment plan if representative disclosed I was still subject to original payment due date.
Product: Mortgage

I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I dispute the following accounts with Equifax ; XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1400.00} ) and XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$170.00} ), attached is the dispute letter I sent them by certified mail. XXXX XXXX XXXX is a fraudulent account that I don't recognize and XXXX XXXX is an account that was closed on XX/XX/XXXX but its reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax have not done anything to remove the XXXX XXXX XXXX account and the errors on the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently pulled my free annual credit report from XXXX. I've learnt that Citi Bank pulled my " hard '' report in XX/XX/XXXX. I understand that this negatively effect my credit score. I disputed this information via XXXX 's website. Upon receiving an email that my dispute was completed I called to find the results, since XXXX 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with Citibank and I've never opened one - they won't talk to me. And in addition, XXXX released my credit information to Citibank without my authorization. Therefore, XXXX should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with Citibank, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from Citibank. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.
Product: Debt collection

RE : Notice of Violation of the Credit Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit associated with these accounts, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX. Account XXXX : XXXX, XXXX
Product: Debt collection

Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : MIDCREDIT MANAGEMENTLAND Account number : XXXX
Product: Vehicle loan or lease

We 've been clients for many years to this PNC branch on XXXX XXXX, Florida and are well know by previous manager and most of the employees. We were always solicited by the staff to get a car loan because we were telling them about our intention to purchase a car. After deciding to go forward with them, most of the employees are now different and new. They sent the application and we received a denied letter from them with absolutely no details on the letter to explain why. After calling the branch, they do n't want to tell us why they denied us even if credit bureau is over 730 and our financial profile is XXXX with no debt, good incomes and good equity. They are now saying that thins has now changed and that they ca n't talk for previous staff.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX  XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.