23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an open collections account from CONSUMER ADJUSTMENT that was added to my XXXX credit report on XX/XX/XXXX. This was a credit card account that was closed 2,777 days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but XXXX refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from XXXX as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both XXXX and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute Names, Addresses, & Employment on my credit report. They have refused to delete/remove incorrect information on my credit report. via letter & phone call.
Product: Debt collection

I believe the account is invalid. SST/XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SST/XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Report of Mortgage Document Fraud on XXXX XXXX XXXX XXXX  Contract Agreement To Whom it may concern, I hope this email finds you well. I am writing to urgently report a concerning issue regarding my original mortgage documents from XX/XX/XXXX to XX/XX/XXXX. Upon reviewing the original loan contract agreement and disclosure statement, I have discovered evidence of document fraud perpetrated by US Bank and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. 

It has come to my attention that the dates on the original XXXX loan contract documents have been altered and blocked out with the date maliciously changed from XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX, without my knowledge or consent. Such manipulation constitutes a clear breach of contract and amounts to mortgage home equity fraud. 

This discovery is deeply troubling and warrants immediate legal action. I am reaching out to seek your guidance and expertise on how to proceed with addressing this egregious violation of my rights as a homeowner. I believe it is imperative that we take swift and decisive action to rectify this situation and hold the responsible parties accountable. 

Please advise me on the necessary steps to initiate legal proceedings against US Bank and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX for their fraudulent actions. Additionally, I am available to provide any further documentation or information you may require pursuing this matter effectively. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how best to proceed. 

Sincerely,
Product: Debt collection

This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.
Product: Debt collection

I have a debt owed that I am being sued for. A payment plan was set up in XXXX and a payment amount was agreed upon between the debt collector, myself, and IN Charge debt solutions. The creditor stopped payment without notification on XXXX. They are now seeing me for the total amount of the bill and not taking the {$210.00} we payed into account. They are also using a different name other than the company we payed ( A lawyer ) So we write a personal check to this Lawyer but when he cashes it the check clears at the original company ( Credit Bureau Data Inc. ). They are now still seeking the total amount even after I have provided proof to the court system.
Product: Credit reporting or other personal consumer reports

I am writing ( again ) to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX XXXXXXXX, Account Number : XXXX. I have recently received my credit reports from XXXX, Equifax, and XXXX, and after a careful review, I have identified several discrepencies that require immediate attention. 

XXXX inconsistencies in Reporting Dates : XXXX XXXX the last activity on XX/XX/XXXX. 
Equifax reports the last activity on XX/XX/XXXX XXXX XXXX the last activity on XX/XX/XXXX XXXX. Discrepancies in Reported Late Payments : XXXX XXXXXXXX reported a XXXX late payment to both Equifax & XXXX XXXX XX/XX/XXXX. 
- However, it was reported to XXXX that I paid on time XXXX. Request for Documented Proof : I request DOCUMENTED PROOF of any LATE payments associated with this account. 

These inconsistencies not only misrepresent my credit history but also violate the Fair Credit Reporting Act ( FCRA ). I demand immediate action to rectify these errors, including the escalation of this investigation and the removal of the account from my credit report. 

I expect a prompt response within the statutory timeframe as outlined by the FCRA. Please provide me with updates on the progress of this dispute and any documentation supporting your investigation. 

Failure to address this matter appropriately will leave me with no choice but to pursue further legal actions to ensure the accuracy of my credit report.
Product: Credit card

I applied for a XXXX XXXX XXXX in XXXX or so but I never activated the card. The company decided they ( XXXX Bank ) would apply my yearly membership to the card without checking if I truly wanted to renew my membership. I contacted them when the balance was just {$36.00} to ask for the charges to be removed and that I did not desire to renew my membership at this time. I informed them that I normally paid cash for membership and not a credit card. They stated they would take off the charges. The next month they added a late fee of {$16.00} to the XXXX, which increased the balance owed. I contacted them again and they stated they would correct the problem by removing the charges. This problem has gone on and on and they have REFUSED to remove the charges that have now skyrocketed to {$190.00}. I wrote them a letter again in XX/XX/XXXX explaining the situation and again they reassured me that they ( XXXX XXXX ) had contacted the XXXX credit bureaus to resolve the matter. This was NEVER done and this is still sitting on my credit report as of today as a DELINQUENT ACCOUNT for over XXXX  days. I would like for this matter to resolved and all of this information permanently removed from my credit report because it has lowered my XXXX XXXX. Please see the attached letter sent to XXXX Bank in regards to resolving the matter.
Product: Credit card

XX/XX/24 Received a notification from a credit monitoring program that I was 30 days late on payment. I have all of my cards set to have automatic minimum payments just in case. 

I have another account with them that autopay was active. They could not explain why this account suddenly did NOT have autopay. 

I paid the required amount immediately upon discovering the issue, and set up autopay again. 

I have been on time with my payments for many months, and this issue has caused a significant credit score drop. I just want to be clear that I did NOT suddenly become irresponsible, but that there was an issue with the credit card suddenly being dropped inexplicitly from AutoPay.
Product: Debt collection

On XX/XX/XXXX log on to my savings account of {$10000.00} had been frozen leaving a balance of XXXX by Midland Credit company out of California contacted them and they informed me that a suite had been file in the XXXX XXXX county court back in XX/XX/XXXX for a debt of {$8900.00} which I do not dispute. Is been 11 years I did not received notification to appear at that timeI defaulted due to serious family and medical issues. I logged on to the XXXX XXXX clerks office and found a case number XXXX showing the following events : XX/XX/XXXX Garnish executed XX/XX/XXXX case eligible for distruction XX/XX/XXXX final judgement for {$3500.00} XX/XX/XXXX debt {$8900.00} Local case number XXXX State case number XXXX status closed filling date XX/XX/XXXX judicial section CG01 plaintiff XXXX XXXX XXXX   garnish XXXX XXXX XXXX no hearing information Amount that Midland is collecting from me at present {$24000.00}. In eleven year I had no contact in regards to this collection. I'm a retire senior leaving with my XXXX XXXX years old mother which I have to care for our benefit is social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late Show closed ( 4 ) OTHER LOANS XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$730.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX XXXX XXXX and Equifax. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PLEA TO WELLS FARGO IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY XXXX CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM WELLS FARGO.
Product: Checking or savings account

OnXX/XX/XXXX, I logged into my WELLS FARGO Online portal to utalize the XXXX money transfer feature. I was trying to send {$580.00} from my WF savings account to myself via my telephone number as the recipient. This was the first time I had tried using this option to send money to myself. After completing the transfer I realized there was an issue because I did not receipt an alert on my phone number indicating that I have money received. I called WF immedietly to figure out what was going on. The money had left my instantly yet it had not come to my phone as an alert. I panicked as WF told me theyd have to open a case claim that could take 10 days. I kept calling them every few days and I was concerned and unsatidfied by their response. They claimed that the funds went to someone that had my phone number formerly registered to them yet the name on the transfer did not match. Then WF told me that Im basically XXXX  and that theres no way to retract the funds back and that Im left without any resolution of getting my money back. Im very irate at Wells Fargo and at their lack of due dilligence in trying to protect their customers funds. There should have been a third step in verifying the transfer. The manager whom I spoke to told me that this happens all the time with customers. That is extremely alarming and concerning given that telephone numbers are recycled all the time. I have had my number for approx. 5 years so I am completely still confused as to how this happened and the fact that I have been without this money for over a month now.
Product: Debt collection

I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct  business in this manner.
Product: Bank account or service

I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update the account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

Comenity Bank applies payments in a fashion that is not disclosed to the consumer in order to create a balance subject to finance charges. Specifically when paying off a 0 % promotional purchase balance by the due date specified on their statement they have applied a portion of that payment to a monthly minimum payment prior to its due date. It is unfair and not clearly stated on their statement. Their customer service agents were unwilling or unable to explain it until escalated to a supervisor. The scenario they create by misapplication of payments allows them to unfairly charge interest/ finance charges. I have enclosed attachments that document what has happened in my case.
Product: Payday loan, title loan, or personal loan

I have notified Republic Finance in XXXX multiple times since the beginning of XXXX that I have retained an attorney to file bankruptcy. They continue calling multiple times each week and when I call and give my attorney name, address and phone number the information is taken again. On XX/XX/XXXX I received a right to cure letter and I called again on XX/XX/XXXX and informed them once again I have retained an attorney for bankruptcy and provided her information. Today I have a message on my cell phone from the same individual I spoke with on the XXXX. I am asking that my attorney be contacted and if her information still is not notated in their system I will provide it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX  with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.