23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from comity bank on XXXX XXXX am set and the call came in as unknown or blocked caller. I spoke to the collector I also expressed this practice of unknown caller as a FDCPA violation. Nothing was addressed to this comment. They are first party debt but I didnt believe this is still an allowable practice?
Product: Debt collection

I received a letter from Syndicated Office Systems that has my signature forged on it. The letter presumably is suppose to be from myself to the company. The letter origin is from XXXX Pa when I live in XXXX Pa. I have never heard of this company nor have I ever been contacted by them prior to seeing this letter. I want to know what steps can I take to investigate and prosecute this to the fullest extent of the law.
Product: Debt collection

They have called my number multiple time all hours of the day and night. I have asked them not to call. I also referred them to my attorney. 

I have blocked other numbers from my phone. I have changed phone numbers. They still call. 

I have listed my number on the Do Not Call Registry as well but they pay no attention to any of the requests.
Product: Debt collection

Good afternoon, back in XX/XX/2013, both my husband and I enrolled in a debt solution program with XXXX XXXX and global client solutions. our debt totaled XXXX together of which XXXX was my debt at the time. I was advised to let all my accounts go into collections so that we could make a better deal. I submitted copies of our drivers license, social securities for both of us as well as all statements from all our creditors and our banking information. The calls from angry collectors began coming in at all hours of the day. I set up a monthly withdrawal to global client solutions from our checking account. Things didn't seem to be progressing even after making the monthly payments and after months a stop payment had to be put into place. There was no turning back credit wise, because the damage was done and it now included late fees and ridiculously high balances. Last summer I came across an email from cfbp that a settlement would be issued to clients affected by the debt settlement. my husband was included in the small settlement and after much sacrifice is still to this day trying to pay off that debt. I however, received nothing. My debt sits untouched, and tarnished even after all theses years. I called the company in charge of the settlement several times last year and they said all they could do is create a profile for me and see what happens. Sadly nothing has happened. I contacted XXXX XXXX XXXX and they stated that they have purged all old documents and that staff has been completely changed. I am at a complete loss as to what to do. Many places of employment require credit checks and obviously it is something I cant yet overcome. This issue has caused me a great deal of stress and anxiety. I hope that I can get help to resolve this issue that has dragged on for way too long. Thank you.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account XXXX : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated, I do not know why you keep reporting this inaccurate information on my credit, this has been already deleted by XXXX and XXXX. These lapses on your end are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It is so disheartening that my rights as a consumer is being violated in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and saw some information I can not verify so Im requesting that you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts by taking a look at the files I uploaded, which include my dispute reasons and supporting documentation. I am requesting that you send this dispute directly to the furnisher
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writhing about XXXX XXXX XXXX XXXX This account is inaccurately reporting a 30-day delinquency on my credit. I have reached out to the creditor and reporting agency to have this deleted and to this day it has not. There are numerous inaccuracies with the reporting of this account, which include but not limited to : inaccurate delinquency, inaccurate high credit amount, not showing any date of delinquency but reports a 30 day late, inaccurate payment amounts, and not updating my credit profile that the account was in dispute with the credit reporting agency or creditor. This has had an extreme NEGATIVE impact on my report, and I asked that it be removed immediately. If for whatever reason it is not removed, I am asking that I be notified in writing with proof supporting the decision and explanation of all the discrepancies with involving the reporting of this account.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports.
Product: Debt collection

In the previous complaint response on XX/XX/2023 Commonwealth response stated they were sold the debt XX/XX/. He informed me that on XX/XX/ they sent electronic letter with no proof of this letter being sent or to where and how being that it was electronic I would assume an email meaning I should have evidence or records of this. The letter was then reported as having no undeliverability issues which in case unless a letter legally was sent certified mail with proof of receipt then how can it be accurately determined as I received it? I never did receive a bill even still! Also, in this same message he said the letter stated how I the alleged debtor had right to dispute the collection and they monitored account for only 14 days before reporting to the credit agent. As per XXXX report, the collection was reported to my account as collection on XXXX XXXX. Per my legal rights, if I have the right to dispute charges that would entail that I legally have a right of thirty days to verify the information and documents would be accurate and respond or dispute the debt before it can be reported to a credit bureau upon confirmation of contact. Information of this is submitted in documents and needs to be removed or will take legal actions of not allowing me my right to respond or giving proof that such information im entitled to knowing about the debt was never received.
Product: Checking or savings account

I deposited a somewhat large check, $ XXXX, in my Bank of America Savings account in person at a local branch. The deposit was made XX/XX/2023. I am now being told the funds will not be available to me until XX/XX/XXXX due to a BofA " internal review '' process. The check is from a well-known mutual fund, XXXXXXXX XXXX and it's authenticity is easily verified. I do not think this is acceptable and I wonder if BofA is somehow benefitting from the use of my money " on the float ''. The whole situation could have been avoided if i was able to do an ACH transfer from XXXX. However, i was unable to do that because i had to submit hardcopy paperwork to XXXX with a " signature stamp '', something beyond a notarized signature that was not available at 3 different banks i checked in my area before giving up. I think this is XXXX 's way of making it difficult to withdraw money from their funds. In any case, the process of gaining access to my own money will have taken 6 weeks from the time i contacted XXXX...
Product: Credit reporting or other personal consumer reports

I am currently a victim of identity theft and would like for my files to be fully reviewed for investigation. I currently froze my information and also put a lock on my ssn to avoid me from being a victim of identity theft again.
Product: Credit card or prepaid card

References CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX I received my response from the company and they are factually incorrect on a number of issues : - they have not acknowledged that the signature on the receipts is not mine and this is fraud. I have provided my passport and driving license to show my true signature- they would not provide me with the contact for service of process and denied this in their response. This was XX/XX/XXXX, XXXX ET on a recorded line - Amex left me one voicemail but I have called numerous times since and continue to be blanked and no one calls me back. Therefore, how am I supposed to resolve this almost a year on- There are multiple confirmations that this case is closed in my favor on a recorded line which they now seem to be backtracking on- they have requested a police report but my lawyer has advised me this is not a good approach since this is 10 months later. I did not report this originally as I believed it was some kind of error, not actually fraud and this did not come to light until months later. Amex never asked me for a police report initially and I believe this is not in good faith to deflect this by asking for this now when they know this is very tough to do almost a year later - Since Amex have never responded to my letters nor my attorney 's letters, I request that Amex provide a contact for my lawyer to get in touch and to provide a contact for service of process
Product: Credit reporting or other personal consumer reports

On XXXX information was sent back from TransUnion saying that they investigated this complaint is in relation to complaint XXXX for XXXX XXXX and stated that this debt has been verified. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the trade-lines.
Product: Money transfer, virtual currency, or money service

My husband and I were looking to lease a house in XXXX XXXX, TX that was listed on XXXX. We were in contact with who we thought was the owner. We were given a contract to review and sign. With the signed contract and were told to XXXX security deposit and first months rent to their assistant 's email and upon confirmation we would receive the keys. We sent the money for security deposit ( {$1200.00} ) on XX/XX/XXXX and further first months rent ( {$1200.00} ) on XX/XX/XXXX. The " owner '' sent us a tracking number for the shipment of keys and then they never contacted up back, so we went to the property. There was a sign on the door that read " This house is not for rent. Someone is scamming you. Call the police ''. We then filed a police report and reported the charges in the amount of {$2400.00} as fraudulent through chase. The claim was denied on XX/XX/2022 due to not being able to receive courtesy funds from the scammers bank, and stated there was nothing they could do.
Product: Debt collection

I called Professional Debt Mediation and informed them that the debt they report to the credit bureau for the amount of XXXX was fraud. I then disputed it with the XXXX. XXXX said they reached out to the PDM and they confirmed the debt was mine. The issue with this is that PDM confirmed that SSN on the account was not mines. When I asked them why did they lie to XXXX they told me because someone at the apartment complex probably put it in wrong and I need a police report. It doesn't make any sense that they just assume the SSN was entered wrong so they keep confirming it as my correct social security number. This creditor is knowing lying to the credit bureau because they admitted that the debt is listed under another SSN. The apartment complex entered into a contract with a person who SSN end in XXXX, which is not mines. It is very disheartening that this creditor will do this to someone for monetary gain.
Product: Credit reporting or other personal consumer reports

The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.
Product: Checking or savings account

Several years ago I added my daughter, XXXX XXXX, to my accounts at Wells Fargo, thinking that as I get older it would be a good idea to make it easier for her to handle my affairs if I should become ill. 

In XX/XX/XXXX {$7400.00} was taken out of my account, XXXX without my, or my daughters, knowledge or consent. In addition, {$4300.00} was taken out of my account, XXXX, at the same time, again without the knowledge or consent of my daughter or myself. 

My daughter had filed for bankruptcy because of credit card debt. At that time she had a credit card with Wells Fargo, no other accounts with Wells Fargo. She contributed no funds to either of these accounts, and would not have permitted their use had she been asked. 

I have banked at the same place since I moved to XXXX in XXXX, XXXX XXXX which eventually became Wells Fargo. I feel that they should have made me aware of the pros and cons of having a joint owner on an account. 

This comes at a particularly bad time in my life, since my husband had a XXXX in XX/XX/XXXX. I have become his full time caregiver, and needless to say we have had many additional expenses. These funds, of almost {$12000.00}, represent most of my expendable savings. 

Though they claim this was a legal recovery " set-off '', I feel that it was unethical. I would appreciate your help in recovering these funds. 

Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I contacted Net Credit and was transferred to collections to get help with my account. I told NetCredit Collections that I was having major issues financially due to the COVID-19 pandemic. I was really upset about the death of my co-worker and unexpected job closure that took place in XX/XX/XXXX and should've waited to call NetCredit. They told me they would defer the due payments to the end loans and that gave me relief until I could figure things out. Today I ( XX/XX/XXXX ) called and said I'd pay XXXX on XXXX from stimulus check. ( I need to get better ) They told me I have two payments due and account is past due.I was very upset because when I called for help they assure me not to worry because who knows the timing to the end of COVID-19 pandemic. They told me I have a past due balance for XX/XX/XXXX that was declined and another payment due. Now I'm stressed all over again trying to reach out for help and to make arrangements to pay didnt work for me and keep I recieving past due notices when I thought they'd help me during this crisis. This is terrible!!!.
Product: Debt collection

On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.
Product: Debt collection

The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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

Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 Account : XXXX XXXX XXXX {$320.00} Account : XXXX XXXX  Bank XXXX Total fraudulent amount : {$130.00} Account : XXXX XXXX Bank XXXX Total fraudulent amount : {$93.00} Account : XXXX XXXX Total fraudulent amount : {$600.00} These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get XXXX, Equifax and XXXX to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.
Product: Checking or savings account

I'm being Charged Fees that caused me to be late on my Rent and Car payments. The Bank failed to do their job. From the start of this account until now. I've tried several times to correct this issue with the bank.
Product: Credit reporting or other personal consumer reports

After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Credit reporting or other personal consumer reports

An unknown 3rd party company we have no idea of is changing us almost XXXX dollars for past due bill which we didnt have.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX offerred to let me finance my new insulin pump purchase handled by Monterrey Financial. When looking at the Monterrey Financials ' website today, I did a quick check to make sure that the organization was charging me the correct amount. In order to obtain this information, I logged into the company 's website. The website shows my name and account number, and then has an option to look at the payment history. 

In the screenshot attached, Monterrey shows that as of XX/XX/19 I owed the company {$980.00}. It also details all of the account transactions since that date. Since then, I have made XXXX dollars in principal payments which is XXXX above the account balance. Today I called to inquire about this issue. When I spoke to their customer service, they told me that I still in fact owed an additional {$110.00}. 

As a consumer with a background in monitoring financial transactions, I fail to understand how Monterrey can be allowed to charge me more than the amount explicitly shown on their website.