23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.
Product: Checking or savings account

XX/XX/XXXX - I contact Bank of America ( B of A ) that XXXX XXXX ( XXXX ) has not received my payment from XX/XX/XXXX. 

XX/XX/XXXX - I receive an e-mail stating they have spoken with XXXX at XXXX and have provided her with proof of payment. 

XX/XX/XXXX - I speak with XXXX who says B of A has not faxed the proof. 

XX/XX/XXXX - I call B of A and give them the fax number. They will fax it. 

XX/XX/XXXX - I call XXXX and speak to XXXX who says they still have not received the fax. 
I call B of A and give them the fax number again and tell them to send it attn : XXXX XXXX. 

XX/XX/XXXX - I speak with XXXX who will fax and mail the proof to XXXX and to me. I receive the numbers for the proof in the mail a few days later. 

XX/XX/XXXX - XXXX at XXXX says they returned the payment to B of A and gives me a number that she thinks is the trace number. 

XX/XX/XXXX - I speak with XXXX at B of A who takes the number and will get back to me in 3 to 5 days. I never hear from anybody. 

XX/XX/XXXX - XXXX says that the number I gave them was incorrect. So they still need a trace number. 

XXXX - XXXX at XXXX will get back to me in 7 to 10 days. She does n't. 

XX/XX/XXXX - I receive an e-mail from B of A that my complaint is being researched and they will get back to me in 3 to 5 day. They do n't. 

XX/XX/XXXX - XXXX at XXXX will escalate to a manager and call me right back. She does n't. 

XX/XX/XXXX - XXXX at B of A said XXXX still has not sent the proof that the payment was sent back. They need a trace number. 

XX/XX/XXXX - I speak with XXXX a supervisor at XXXX who will call and send me an e-mail with the trace number. 

XX/XX/XXXX - XXXX calls and sends an e-mail with the trace number. 

XX/XX/XXXX - I go to my local bank in XXXX, NV where I speak with XXXX XXXX who copies my information from XXXX who calls Bill-pay and gives them the information. They will contact me in XXXX to 5 days. They do n't. 

XX/XX/XXXX - I speak with XXXX XXXX the manager at my local bank, XXXX XXXX is off that day. XXXX said that supposedly my account has been credited but it takes 7 to 10 days for it to show up on my account. It does n't. 

XX/XX/XXXX - I call XXXX again and he calls Bill-pay. Bill-pay tells him that they can see the trace number from XXXX but does n't know why it has not been credited. 

XX/XX/XXXX - I return home from vacation and still have not heard from anyone so I reply to the XX/XX/XXXX e mail asking when they are going to reply that the 3 to 5 days has gone by. 

XX/XX/XXXX - I receive an e-mail telling me that Bill-pay did not receive the trace number until XXXX/XXXX/XXXX and there was a problem with the XXXX return and they will get back to me in XXXX to 5 days. They do n't. 

XX/XX/XXXX - I reply to their XX/XX/XXXX e-mail asking when this is going to be resolved. 

XX/XX/XXXX - I get a reply that it is being researched and I will be notified. There is no date as to when that will happen. 

Reference : B of A Case ID XXXX XXXX : Ticket Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Mortgage

Was accepted for a Covid deferral back in late XXXX. 
Since early XXXX I Went to get off it and refinance the deferral? I started making payments again. I signed the contract and a couple of days later was contacted by the mortgage company as to a problem with a secondary XXXX from the USDA on my primary that hadv to do with my wife 's separate farm property which my mortgage company already had a subordination agreement from previously. They requested a new subordination agreement from them. Since the farm was up for sale, I went back and forth with everyone about this until the farm was actually sold in XXXX of XXXX. Turns out he USDA filed the lien releases on the farm but not on my primary residence. I received the secondary lien releases for my primary property and filed them in XXXX of this year. Since then I've gone back and forth with the mortgage company about a single equipment lien that they admit they have but because it doesn't have a certain number on it. I've traveled to the county courthouse 5 times and was assured the lien in question was discharged.

Still a problem. I applied to the mortgage company to have the USDA Farm loan officer speak as a third party but they denied it. ( He also spoke with the courthouse previously to assure the lien was discharged ) I told them I would complain to the Congressional office and the next day I received notice it was cleared up, i called and to verify that it was? I received a a new contract ( at almost twice the interest rate then when i started this whole process? which I signed and sent back. 
Only to receive a call again about the title problem. 
And here we are again.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian..And XXXX XXXXthis is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX  XXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting

I have an address on my report I dont recognize and have never lived there also the phone number XXXX has never been under my name THE XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

On XXXX XXXX, I noticed that a creditor reported that I had an open account with them on XXXX of XXXX  for approximately XXXX dollars. I have never done business with the company. I contacted the company to request verification of the debt and they refused to give me the verification. I disputed the debt with the credit bureaus and the company certified that the debt belonged to me and still did not give me verification of the debt, when it occurred, how it occurred.
Product: Credit card

Account on autopay setup to pay balance in full before XXXX interest interest rate period ended. On the last auto payment with a perfect payment history and zero late payments i suspended autopay in XXXX and paid through the bank system balance in full. Payment was reconciled with the system on the date for the pay in full balance and paid. 

60 days later i received notice my account was being closed and i have a accrued interest charges, penalties and negative reports to my credit. I filed a complaint with synchronicity bank on or before XX/XX/XXXX and was told that they understand the system that i paid the balance in full through then charged me an inters payment after i had paid in full. This interest charge has not accrued to {$14.00} and my credit was reported delinquent and closed to the three agencies, My credit has now dropped from XXXX to XXXX 's and i am suffering financial consequences and hardships. the bank has not responded as of my last conversation with them on XX/XX/XXXX XXXX employee ID XXXX and stated that there was no ruling to share and i was charged interest after i paid my balance in full through there system and no resolution was given. Also they would not escalate my call to a manager, provide me with the banks government oversight agency, bank hq state and incorporation state. they only gave a po box and after aggressive requests provided the name XXXX XXXX as president with a XXXX XXXX XXXX XXXX  XXXX It is now 90 days delinquent with reports made to the credit agencies with 30 days of zero response and stonewalling via the complaint phone number. Also there is not posted email for complaint and or e communication besides an AI bot that gives the same phone number to file a complaint that they do not respond to per policy even after 30 days. I need help please. This charges need to be removed and zeroes, the credit agencies must be notified to remove this improper report and this bank needs a consequence for these issues. also an investigation into there interest rate charges per payment period history also needs to be investigated for fraud. 
They have not complied with any of the credit and or banking acts including providing required information and communication and transparency,
Product: Credit card

On this date of XX/XX/year>, it was requested that I submit a letter of explanation, regarding the events of fraudulent activity that occurred earlier in this month. All in regards to wire transactions totaling {$9700.00} from my credit card account. This also includes fraudulent XXXX transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2017 and it has been discharged. Experian is reporting this bankruptcy on my credit report, as well as accounts that were listed in my file. I didn't give them permission to report my private business.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to address my reinvestigation request for the XXXX XXXX XXXX account on my credit report. On XX/XX/year>, I sent a certified letter to Experian requesting a reinvestigation of this account, which included all necessary documentation verifying my identity. 

In response on XX/XX/year>, I received a stall letter from Experian stating that they do not believe the letter was sent by me, despite having included all identifying documents as instructed. 

This response is wholly inadequate and dismissive of my rights under the Fair Credit Reporting Act ( FCRA ). I have taken all steps to properly authenticate my request, providing clear identification, proof of my address, and any other information Experian might need to confirm my identity. 

I am formally requesting that Experian complete the reinvestigation I requested, as they are legally required to do. Furthermore, I demand that Experian provide me with a comprehensive report of all findings, actions taken, and any updated information on this account. 

Please be advised : If Experian sends me another stall letter or fails to take action on my certified request for reinvestigation, I intend to take legal action. This noncompliance and delay tactic violates my rights and disregards the obligations Experian holds under federal law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This morning, I was upset to find an unauthorized inquiry on my credit report. I tried refreshing my browser, but it stayed the same. I need this matter handled immediatelyplease carefully check the documents I provided so I no longer have to stress about this.
Product: Mortgage

O N XX/XX/XXXX, RECIEVE A LETTER FROM MORTGAGE SERVICING COMPANY SPS OUT OF XXXX XXXX XXXX, UTAH. THE LETTER STATE 1.) THAT THEY ARE SETTING UP AN ESCROW ACCOUNT WITHOUT MY CONSENT, 2.) THAT THE MONTHLY PAYMENT IS BEING RAISE FROM XXXX TO AMOUNT OF XXXX. THE PURPOSE OF THIS ACTION I BELIEVE IS THAT I AM COMPLAINING BECAUSE THEY ARE CHARGING ME  INTEREST ON AN ADVANCEMENT THAT ANOTHER MORTGAGE COMPANY USED TO PAID MY TAXES SEVERAL YEARS AGO ( MORE THAN 10 YRS AGO) AND THEY ARE DEMANDING THAT THIS AMOUNT WHICH IS DUE ON THE LAST PAYMENT OF THE MORTGAGE WHICH THE ADVANCEMENT DID NOT COME WITH ANY INTEREST DEVICES OR PAYMENT SCHEDULE OR A SCHEDULE TO WHEN IT WOULD BE DUE.SECOND THEY ARE NOT THE FRIENDLY COMPANY TO GET RESULTS FOR MY MORTGAGE. IF I HAD MY WAY I WOULD HAVE NEVER USE THEM.THIRD  THEY CONTINUE TO HARASS MY PHONE WITH CALL ABOUT MY TAXES AND HOME INSURANCE WHICH BOTH ARE CURRENT.
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my previous complaint dated XX/XX/XXXXXXXX  I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from Experian, XXXX, and XXXX. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX-XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX-XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More important, XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX   ACCOUNTS ( XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX  HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX STATEMENTS DOCUMENTING THE XXXX XXXX   CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Debt collection

I have noticed that a Partial charge of [ {$1000.00} ] has been applied to my account for the acceptance of a non-cash item. I am writing to address matters concerning my negotiable instrument in the form of a money order i.e Postal Money order serial # XXXX, issued on [ XX/XX/year> ], delivered and signed for [ XX/XX/year> ] Cashed following after the date of delivery ; according to the United States Postal service online tool service in which it allows for people to check for the status of if an instrument has been cashed-by implementing information from the postal money order. According to UCC-3-603, If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Upon doing so, it has come to my attention that the money has been cashed and my offer has been accepted. Pursuant to the provisions of the Uniform Commercial Code ( UCC ) Section 3-311, I made an offer to satisfy al claims of debt associated with the aforementioned instrument and it has been accepted and tendered. According to 15 usc 1666 this is a billing error and I request that as creditor of this account it is investigated fully.
Product: Debt collection

Toward the end of XX/XX/2022 I noticed my perfect XXXX credit score of XXXX went down by almost XXXX points to XXXX i have worked hard to build my credit and never missed any type of payments in my whole life!. When i conducted my research i found a collection account that i never heard of from ( Southwest Recovery Services ) for {$660.00} MedicaXXXX bill dated back to XXXX. it did not make sense to me as i have always paid my medical bills from my HSA account when i actually get sent a bill but this appearing all of the sudden and after more than 4 years as a collection account that ruined my credit i am pretty upset and it's not fair to me. after doing my research i found that in the state of Texas under Title 6 of the CIVIL PRACTICE AND REMEDIES CODE chapter 146 sections 002 ( TIMELY BILLING REQUIRED ) and 003 ( CERTAIN CLAIMS BARRED ) make this uncollectable in addition state of Texas statue of limitation on medical debt is 4 years which surpass the date of the bill as well as if i am right third party collection agencies are barred from putting a negative entry from a medical debt! but what is making me upset is the fact that every year i have {$2700.00} in my HSA account which i could have used to pay this {$660.00} if i knew about it in a timely manner before the expiration of my HSA funds which is in the month of XXXX of the following year. I need help and i need this collection agency to answer be be punished for damaging my perfect credit and this to be removed immediately from all of my 3 credit reports ( as of now i see it only on my experian ) which i contacted but they did not do anything even when i disputed the debit. i am at the mercy of CFPB to help me and put an end for these companies and their lawyers from using the law unlawfully of taken advantage of people who are unaware of the law which in this case Southwest Recovery should have known the law and not only not put a negative entry on my credit report but this should have been purged by just knowing Texas and Federal law
Product: Debt collection

Contacted company. Paid supposed debt of {$1000.00}. Company has not removing the entry. I have tried to contact the company and credit bureaus to no avail.