23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I received a letter from this company stating that I owed an alleged debt. The company also notated in the initial notice that I had until XX/XX/2022 to dispute all or part of the debt. As of XX/XX/2022 this company has reported the debt to all major three credit bureaus dropping my XXXX XXXX over XXXX points without validating the debt Within the allowed time frame. I spoke with an agent on XX/XX/2022 and requested that this company cease all communication tactics and I requested A signature bearing contract with the company that is reporting the alleged debt on my credit report NOT the creditor that the collector bought the debt from. This is clearly fraud, negligence, and identity theft. I have never done business with this company, and I have never given any authorization for my Social Security number to be used for any purposes. This is clearly a violation of my consumer rights per 15 USC 1692c. Once again, I want to reiterate that this company is in direct violation of the Fair Credit Reporting Act and Fair Debit Collection Practices Act. I do intend on Looking into litigation due to the violation of my consumer rights, and I also plan on suing this company for defamation, negligence, identity theft, and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debit Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT
Product: Debt collection

XXXX XXXX has two companies on my report under collections looks like for one account. Ive never used XXXX I had a freeze on my credit for over a year after identity theft issue. I never received any notices about this prior to my credit score dropping due to not one but TWO collections for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her
Product: Debt collection

Acompanynamed CKS PRIME INVESTMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX is reporting {$990.00} from XXXX XXXX  which was written off during my bankruptcy apparentlythey sold this to a third partyXXXX XXXX XXXX is under investigation for their action by the FDIC.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me
Product: Debt collection

I was told all I had to pay was {$20.00} to get my snow cone ice maker and I paid the {$20.00} up front and they were supposed to send it straight to me within that week I never received it now they're trying to charge me {$190.00} XXXX and I don't understand why I need to pay that if I never received the item the company name is XXXX
Product: Mortgage

Dovenmuehle bankruptcy department is not sending in the amendment payments to the XXXX XXXX bankruptcy courts. I spoke to XXXX 's who is in charge of my case she said get in Nothing has happed. XX/XX/XXXX I received a letter from the cfpd that XXXX  sent to you that state the bankruptcy is no longer needed. I spoke to XXXX in lossmitigation hud did a check for the XXXX. I was approved for a parcel loan modification. On XX/XX/XXXX I spoke to XXXX 's with bankruptcy that when I was to she would get admitted bankruptcy paper work in. I have attached proof of phone calls dates and time
Product: Debt collection

There a re five steps to submit your complaint : Step 1 : What  is this complaint about?  <P/> RMC Of America {$350.00} lawsuit filed against me in error. I have the letters stating it. They removed it from my credit bureau after I spent months dealing with it. However, the debt wa s 2 years old a nd the employer I was working for at that time said the debt was " written off ''. When I expressed to him I was going to move my company a few months ago he started planning a way to hurt me and put me out of business. I am suing over it. He affected my credit, my bank account funds because he was using my construction company but not paying it and forced me out of house and home. He is now trying to state an unlawful detainer even though I was never actually given a reason. I was treated in the manner of " either quit or resign or else ''. I have it on camera and proof of this man.  <P/> Step 2 : What type of problem are you having?   Unable to use my credit because it was so poorly affected. I have never been late or denied for anything in my life. I am unable to buy a house to move from that situation. Not only that he hurt my cash liquid funds and I have lost so many contract jobs over it. I was never served a notice of " warning '' for a lawsuit or any late notice. In fact, I made communications about this by email as his office was not very organized with this sort of thing.  XXXX  thought it is no big deal, but it has highly affected my credit even after it was removed.  <P/><P/> Ste p 3 : W hat happened?  <P/> Read above^^^ Step  4 : What co mpany is this complaint about?  <P/>   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   Step  5 :  Who are the people involved?    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian credit bureau Equifax credit bureau Subject : Dispute of Debt and Civil Liability for Negligence under California Civil Code Section 16810 Dear Experian, I am writing to formally dispute the debt referenced in your recent communication, with regard to the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I believe that your actions constitute negligence and non-compliance with the requirements under California Civil Code Section 16810. Specifically, I believe that you have violated the regulations surrounding debt collection and, as a result, may be subject to civil liability for your actions.

1. Failure to Provide Proper Documentation As per California law, I am entitled to receive clear, substantiated proof of the debt in question, including a full accounting of the amount owed and the history of the debts assignment. Despite multiple requests, I have not received sufficient documentation that clearly establishes your right to collect this debt.

2. Non-Compliance with Debt Collection Procedures Under Section 16810, debt collectors are required to follow specific guidelines regarding notice of assignment and the verification of the debt. To date, I have not received proper notification of any assignment or sale of the debt, nor have I been informed in writing about the specifics of the creditors identity. This failure to comply with these regulations is in direct violation of California law.

3. Negligence in Debt Collection Practices Your failure to adhere to the statutory guidelines has resulted in undue hardship, harassment, and potential financial damage to my personal and professional standing. The improper handling of my debt has exposed me to unnecessary risk and confusion. As such, I believe that your actions can be deemed negligent under the law, making you liable for civil penalties under California Civil Code Section 16810.

I request the following : Immediate suspension of any further collection efforts on this debt until the issues are resolved.

Provision of all relevant documentation proving your legal right to collect this debt and the chain of ownership from the original creditor.

Confirmation that you have complied with all applicable debt collection regulations, including notice requirements under California Civil Code Section 16810.

Please note that I am prepared to pursue all available legal remedies if this issue is not resolved promptly. I expect a response within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

We were contacted by Ladera Lending in XX/XX/2019 as we were looking to refinance our FHA mortgage and take cash out to pay off debts and have additional cash to do home improvements, etc. We were approved and the loan closed XX/XX/XXXX. We received the checks to pay our debts on XX/XX/XXXX. We mailed the checks out but found out there were three checks in question. When we received a list of debts from the lender before closing, told them and also submitted documents of proof that there were three that should not be paid. One was to XXXX XXXX for a vehicle loan that we paid off in XXXX, the other two were for debts that were discharged in a prior bankruptcy. The lending agent and us both agreed they would not be paid and the funds disbursed to us instead. But when we got the checks from closing agent, that was not the case. We called them and they said we had to have Ladera fix it and they would reissue the checks. We have XXXX of void checks that should have been added to our direct funds that were wire transferred. We were told numerous times the checks would be reissued to us. The closing agent stated they could do nothing without lenders instructions. We were also told by our lending agent that the checks were going to be reissued by Ladera not the closer. That I heard today could not happen, closer had to rewrite and cancel the other checks. I was also asked by agent " why do you need the money so quickly, we just paid off all your debts and gave you money besides '' ... we are really busy and will get this taken care of. I asked when and was told the checks were mailed Monday, that was three days ago. All I received from them was a letter of loan transfer today, no checks. That really upsets me that it is taken lightly that we are owed this money. These funds were part of the mortgage refinance. The loan was already sold to another lending company, but until the loan is fully funded that is questionable to pay them. I am attaching emails, copies of checks and can document everything.
Product: Debt collection

contacted XXXX XXXX XXXX  regarding thier charge off that. they applied to my credit. they sent me their orirginal contract that is digital signed by someone named XXXX XXXX. my name is XXXX XXXX XXXX XXXX. they do not have the correct person for this account. I have told XXXX  in the XXXX XXXX that I did not sign thagt digital document and they have the wrong name that doesnt not match me and to please remove. I was told to pay A debt that isnt mine in order to remove!
Product: Credit card or prepaid card

I tried to login to my account online as i normally do, but it was locked for some reason, and I was informed from the page to call a number to speak with a rep. I did. Multiple times. When i say multiple, I don't mean 5 or 6 times .... I would say an amount that would be looked upon as an exaggeration. Each experience would lead me to being transfererred 5 or more times and finally get someone in the Eastern hemisphere talking to me on their cell phone in a bathroom. After a couple of days of trying, finally I was able to get through to a rep to just pay off the balance and have a new card mailed to me. At this point ( XX/XX/01 ) I have a XXXX balance. 2 weeks later they reduce my spending limit. This causes my credit score to drop from XXXX to XXXX. Yesterday I receive a letter in the US mail from Chase saying I owe XXXX dollars and to call a number. I did. 3 times only to have the phone tree hang up on me. I called the number on their site to make sure I wasn't falling prey to a phishing scam, and sure enough I was told I owe XXXX dollars and then transferred. I ask the nice XXXX XXXX man on his cell phone in his bathroom, how can this be? My new credit card is in my office desk and not even activated. He tells me sometimes they are sent to customers preactivated ...??? Not sure what that means. Now at this point I just want to be done and pay the so-called balance so its done. I'm refinancing my home and I am afraid this mess is going to have an adverse effect on me. I can't even call and get this bogus charge paid. Can you help? There isn't a branch near me so I can't walk in either.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve.

I want all charge offs and all late payments removed off my credit report and these accounts are subject to litigation.

You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get resolve. I am demanding you remove these late payments from my credit report within 24 hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to
transactions or experiences between theconsumerand thepersonmaking the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report
after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

XXXX activity has occurred on my account from a company I have never done business with, XXXX for {$870.00}. I filed a dispute and Barclays has refused to reverse the charge saying the merchant has proven it was valid. IT IS NOT VALID. I have asked for proof showing it was valid and they have failed to show me this proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been a victim of identity theft and am trying to reach Experian and after interacting with their website today, i know there is fraud activity with the user name Experian has for me and my SSN. But when trying to reach a human to talk to, their system will Not allow me to speak to an actual customer service Human. After numerous attempts to call the number THEIR SITE is telling me to call, their IVR system will NOT allow me to reach a Human. How can a credit bureau company not allow me to contact a human. 

When trying to reset my password, it wants to send an email to an incorrect email. Somehow the thief has stolen my information on Experian 's site and must be sending the thief the password reset link to an email address not controlled by me. 

I then attempted to sign up for their membership, agreeing to PAY their fee. Using new user name and password to sign up for the membership, it tells me i'm using the wrong info and shows me a page with a phone number to call ... But when i call.. same thing- IVR system gives me no option to speak to a human. It's very frustrating when a credit bureau company, charged to protect my PII does not have Humans who i can communicate with. 

You, as the CFPB - please assist me and get this changed for future consumers. Also if you have a phone number i can reach a human, please email it to me at XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1987 My only employer is SELF I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Mortgage

At the end of XXXX this year, we got a new bank account. I needed to update my payment information, which Caliber lets you do online and is fairly simple. I marked the new account as my " Default Payment Method '' and removed that designation from my old payment account. There was nothing to indicate that what I had done would have zero effect on which account my payment would be pulled from. We should be able to quickly and easily update our payment info at any time. Unfortunately, Caliber prefers to make it difficult for consumers to do so. Without any notices or warnings in the Edit Bank Account Information section, Caliber allows consumers to believe they have updated their payment information, when in fact, it requires a separate form to be submitted via mail or fax to do so. The payment then unexpectedly pulled from the old account. I called customer service and was advised that I should have deleted the old account. Apparently, keeping it in case we wanted to have the option to use it wasn't possible. I was further advised that my bi-weekly autopay would need to be canceled, and I would need to set up a new one. The agent assured me she would cancel it so it wouldn't pull from the old account again and once canceled, I would need to submit a new application to set up the bi-weekly autopayments again with the new account. She did not, in fact, cancel my autopay and it has continued and still is pulling from the old account on a bi-weekly basis. I've reached out multiple times via secure message within the account AND a letter sent directly to Caliber. I've asked to speak to a manager or someone who can help me update my payment information and each time, I was advised that I would hear from a manager within 7-10 business days. It has been 18 business days and I have not heard from anyone. I have submitted bi-weekly autopay forms several times and each time, I receive a new blank form with the message that my autopay information has not been updated because my account must be paid one month in advance to set up bi-weekly autopay. Meanwhile, we already paid the account one month in advance to set up the bi-weekly autopay originally. I have included detailed instructions that I've already done this and I'm not looking to set up a new autopay, I only want to update the payment method on my current bi-weekly autopay and no one seems to be able to help me. Here I am, waiting in limbo and taking great pains to ensure the old account has sufficient funds to continue covering the payments that continue to be pulled from the wrong account against my wishes. I guess I'll have to keep waiting additional business days until a manager finally contacts me. Either way, we're so frustrated with Caliber and their lack of customer service that we almost want to refinance JUST TO AVOID DOING BUSINESS WITH THEM EVER AGAIN.
Product: Checking or savings account

I'm having a problem with chase bank they are giving misleading information about my funds that I'm missing from my account one person told me they mailed out a check but I never received it i would like to know what's going on