23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2018 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX # XXXX Dear XXXX XXXX, XXXX. 

This notification is a formal demand that your shady collection agency remove the collection account from all three major credit reporting agencies immediately. Your collection agency was out to intentionally damage my good credit standing only to seek revenge against me for cancelling my service with shady XXXX XXXX. Your shady collection operation has been threatening me to coerce me into making small {$20.00} payments to the bogus account causing me extreme harm. If your shady collection agency fails to remove the collection account that was intentionally intended to damage my credit standing immediately, this consumer complaint is evidence that I will seek justice against your shady operations by filing a lawsuit against defendants XXXX XXXX and XXXX XXXX in the XXXX XXXX County Superior Court requesting a jury trial to bring your shady operations to justice. I  was never given a copy of the bogus contract. I never authorized the bogus contract. Please provide me a copy of the contract when your shady collection agency response to my consumer complaint. I question the authenticity of my signature on the bogus contract. I would like for your shady collection operation to allow my FBI forensic expert access to the original contract so my expert can authenticate it. Please notify me in writing of a good day and time when my expert can authenticate the original contract. I am going to tell your shady collection operation this for the last time - I do NOT agree with the outstanding balance. I have disputed the bogus balance many times in the past which went ignored. However, to avoid litigation cost and attorney fees I will agree to pay the bogus {$180.00} remaining balance ONLY if your shady collection agency send me a deletion letter agreeing to remove the bogus collection account from all 3 major credit reporting agencies. Once I receive the deletion letter I will call in the payment to satisfy the bogus balance. I cancelled my account with XXXX XXXX because of the terrible service, the questionable contract, and the shady billing scam spins. When I cancelled my account with XXXX XXXX the shady operation billing department immediately debited my bank account in the amount of {$180.00} and then NEVER sent me a bill for the remaining balance, instead, the shady operation was out to quietly seek revenge against me for cancelling the terrible service by intentionally damaging my good credit standing attempting to make it impossible for me to seek honest good service else where. These kind of operation contract collection scams printed by crooked lawyers are only designed to seek revenge against victims for cancelling services, which is truly designed to cause victims extreme harm. Its time the FBI kicks in the incompetent collection skinny swamp doors to drain the smelly collection agency swamp. Thank you for your cooperation and I await your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To night I attempted to contact the three leading credit reporting and I wanted to see if there were rebirthing or hard visited my page and the credit reporting states that they don't place points against you but they do. I want my credit score mailed to my home please.
Product: Credit card or prepaid card

Every year I call to cash out my rewards points and Bank of America always adds an additional XXXX points as a " thank you '' for being a long time customer. Every year these extra XXXX points take about 3 to 7 business days to process and they are ready for me to cash out. You will be able to pull my history and see this fact from prior years. 

This year I did the same process on XXXX though for some reason the XXXX points were still pending after the above time frame. On XXXX I spoke with BofA Rep XXXX and he apologized, said it should never take this long and gave me an additional XXXX points for the trouble caused. Plus he said he was writting up an Expedited email, Ticket # XXXX to make sure all XXXX points would be available to cash out on XXXX. 

On XXXX the points still were not processed so spoke with BofA Supervisor XXXX XXXX at XXXX who PROMISSED that the points would be ready for me to cash out XXXX. You can pull the recorded calls on both the above BofA Reps to confirm what they promised. 

On XXXX the points still were NOT processed. So I spoke again with XXXX and he and his Manager XXXX XXXX at XXXX pulled both above calls and bottom line, XXXX came back to the phone to say he and XXXX made a mistake in their promises. 

However will honor the above additional points though it would be ANOTHER 7 to 10 Business days. Please note, this time frame is just to approve the points,  it takes an additional 10 business days to receive the actual check. 

I asked that since the agree, it was their mistake, to owner what the Reps said and approve the points immediately and to send the cash out check via priority mail. XXXX said NO! So I filed a complaint with BofA Corporate office XXXX XXXX, Manager XXXX XXXX in the Delaware office. 

Received a call from XXXX XXXX on XXXX basically going over AGAIN why they will not expedite this process then said, " I am just going to be blunt, you should find another credit card company! '' Unacceptable so now I do not know if XXXX is now preventing my points from processing. Plus, you should never speak to a customer this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ XXXX month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the 7.5 years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed several inquiries I did not authorize. Please see the following inquiries showing on my credit report : XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting company and hospital ( XXXX Hospital ) is reporting medical information without my consent/authorization, in clear violation if HIPPA regulations. 

I am requesting credit reporting agency, debt collector and alleged credit to immediately remove my medical and related information immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

this matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. 
I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I first discovered that I had been a victim of identity fraud, which caused multiple unauthorized accounts and inaccurate information to appear on my credit report. I reported these issues to the relevant credit bureaus and took steps to resolve them. However, the same issue resurfaced in XX/XX/XXXX, with new fraudulent entries appearing and requiring additional dispute actions. 

Then, in XX/XX/XXXX, I encountered another identity theft issue, this time involving a fraudulent bank account opened in my name with XXXX  XXXX XXXX. I immediately reported this incident to both XXXX  XXXX XXXX and the credit bureaus, submitting documentation to prove my identity and verify the fraud. Despite these actions, some of these inaccurate entries have persisted on my report, impacting my credit score and financial security.
Product: Prepaid card

Rushcard. 
I have XXXX accounts with rush card. I used the mobile app to transfer money from one account to the next. The next day I checked the account the money had been transfered to ( XXXX ), and my account was missing over XXXX. The XXXX acct shows XXXX completed transactions. XXXX for XXXX, and another for XXXX. Rushcard took money from one of my accounts because their system was behind and did not calculate my purchases on the other card ( XXXX ) from the previous day. One account has nothing to do with the other. You can not take money from an unrelated account due to a system error on your part. This comes AFTER the issue of not being able to buy food for my children and gas to get to work for 2 days, due to the inability to access my funds in XX/XX/XXXX.
Product: Mortgage

LoanCare Attn : Credit Bureau XXXX XXXX XXXX XXXX  XXXX, VA XXXX Tuesday, XX/XX/XXXX To Whom It May Concern, This letter serves as a request to have the missed mortgage payment note/line removed from our credit report. In XXXX of XXXX and again in XXXX of XXXX, our bank account balance did not exceed the scheduled mortgage payment amount and the payment ( Im unsure which one got flagged ) was missed. We are in the process of catching up on this and as of Friday, XX/XX/XXXX, the account will be caught up. 

The way our Credit Union displays transactions, I was unaware that there were any issues in XXXX and XXXX, as all four payments showed up as - {$1000.00} on my bank statements. What we didnt realize is that those actually didnt come out of the account. 

As our records show, since we bought our first home in XXXX of XXXX, we have never missed a mortgage payment. This is a hiccup in the process. Additionally, LoanCare payments that we schedule on Fridays ( payday ) are being pulled 5+ days later from our credit union. For a family living paycheck to paycheck as to pay down debt, this makes budgeting very tricky. Were hoping this is an issue we do not encounter in the future and look forward to a speedy resolution. 

Please do not hesitate to reach out with any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX  XXXX  IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to make my XX/XX/2019 car payment to Honda financial so I called to inform them. I was told that I could skip a month and put it at the end of my payments because I had a good credit history with them. I asked if this would affect my credit history the gentleman that helped me said, certainly not this was a courtesy to help me. 
My XX/XX/XXXX payment was paid but later found out through my credit report that I was late with my XX/XX/XXXX payment and Honda skipped XX/XX/XXXX payment. That was not the arrangement I initially made. I would like this taken off my credit report because it is affecting my score and I have worked very hard to diligently make my car payments on time and have been successful at it.
Product: Debt collection

On XX/XX/XXXX @ XXXX I received a call from ( XXXX ) XXXX. They stated that they have tried to deliver papers to me because I'm being sue by a XXXX XXXX XXXX XXXX that works with Wells Fargo. They said if I wanted more information on the care I would have to call them at XXXX and gave me a case number ( # XXXX ). I called the number the lady asked for the last four of my social, I told her I would not give her that information because I didn't know who she was. she then gave me the last four of my social and had the numbers correct. Then she told me I had an account with Wells Fargo back in XX/XX/XXXX-XX/XX/XXXX and my account overdraft the amount was {$1100.00}. I told her I have never had an account like that with Wells Fargo I actually have a home mortgage and credit card with them they that I open in XX/XX/XXXX ... this is scary to me to find out that an account may have been open under my name back in XX/XX/XXXX-XX/XX/XXXX and now I'm finding out 10 years later.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A request to remove incorrect late payments on XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Provide verifiable proof from the credit bureaus that the " disputed by consumer '' comments have been officially and correctly removed from my credit report. 
XXXX. Provide a written statement from Citi and Best Buy confirming that all necessary steps have been taken to restore my credit profile and resolve any issues created by their actions. 
XXXX. Ensure that the situation is fully authenticated and no further steps are taken to prematurely close the case until all necessary actions have been legally and properly addressed. 
It is important to note that Citi and Best Buy are responsible for creating this mess in the first place. They should be held accountable for not only correcting the errors but also ensuring that the correction is done transparently and with the necessary supporting evidence. 
I trust the CFPB will act in a manner consistent with its mission to protect consumers from unjust practices and ensure that all facts are properly authenticated before resolving such issues. I look forward to your prompt response and further guidance on how we can ensure that this matter is fully addressed and closed in a manner that holds Citi and Best Buy accountable for their actions. 
Thank you for your attention to this request. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I RECEIVED A PHONE CALL FROM XXXX ON MY HOME SCREEN ON MY MOBILE DEVICE IT SHOWS THE NUMBER FROM COLORADO. WHEN I ANSWERED THE CALL THE MESSAGE STATED ABOUT MY CREDIT CARD BALANCE STATING TO PRESS XXXX. AFTER DOING THIS THE PERSON WHO ANSWERED MY CALL WAS XXXX AND SINGING.! I HUNG UP! ANOTHER NUMBER ASSOCIATED WITH THIS CALLXXXX XXXX XXXX.-CREDIT CARD/ LOWER INTEREST RATESXXXX XXXX XXXX XXXXBOTH THESE NUMBERS WERE FROM THE SAME CALLER. 


I RECEIVED XXXX CALL BUT XXXX DIFFERENT NUMBERS WERE SHOWN
Product: Credit reporting or other personal consumer reports

I am following up on my final demand letter dated XXXX XXXX XXXX regarding unresolved negative accounts on my credit report. These accounts continue to reflect inaccuracies that have not been addressed, despite multiple previous attempts to rectify the issue. The lack of resolution is unacceptable and requires your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Per a 2nd Judicial District Court of New Mexico Court Order, the order states the "mortgage and note are unenforceable."  Case is closed. *  XX/XX/XXXX – Denied Motion; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal*  1XX/XX/XXXX – Case Dismissed With Prejudice; Order On Statute Of Limitations DefenseSpecialized Loan Servicing continues to harass me.  On XX/XX/XXXX, a field representative posted a notice stating the home was "found to be vacant" and "it is likely that the mortgage holder will have the property secured and/or winterized within the next few days."  The house is obviously occupied.  I called XXXX and spoke with XXXX on Monday,XX/XX/XXXX and let him know the home was occupied. I have sent multiple letters with electronic and signature delivery to Specialized Loan Servicing over the years, and they continue to the harassment.  Please advise them to stop all collection efforts, harassment, etc.  Additionally, in XX/XX/XXXXthey assigned the account to a company called XXXX, I sent XXXX a QRW (letter language attached below).  Now Specialized Loan Servicing is stating the account is coming back to them from XXXX.  Please advise Specialized Loan Servicing to stop all communications, as this mortgage and note are no longer enforceable.
Product: Credit card or prepaid card

Hello I receive service connection XXXX. I am currently homeless and live in XXXX nv. I have received my direct deposit from the va into a netspend account for over a year. I used an address 1 time in Massachusetts while I was there to get a card shipped to me. Netspend has since been able to change my address or ship me a card. They only allow me to open other accounts so I can be charged extra monthly and transfer fees. On XX/XX/XXXX the account I recipient my va deposit in was blocked from my use. Netspend refuses to transfer me to anyone. They laugh at me on the phone. I have been broken down in my truck for 3 days throughout a storm. I missed XXXX  because I had no funds to fix my car issue. My phone is off and netspend is requesting documents they know I can not provide at this time. I send them a XXXX birth certificate social security card an award letter with my current addressed on it. I also sent a XXXX and va I'd. They didn't approve any of my documents saying my I'd was to blury, they except nothing from the va, and they do not except copies of copies for my social security card. They are also requesting only a utility bill with the Massachusetts address on file. I never lived there and don't know how to get a proof of address there other than fordge a fake bill. The only other option they are giving me is to have my account closed and my check sent to the a address I don't live at in Massachusetts. I think they are laundering my money because this has happened several times where the have requested personal documents and unnecessary blocks. Please help, netspend is only allowing me to speak to the same people. I am 100 % XXXX and can not deal with this stress. There has also been countless forien transaction fees throughout my accounts. And money that gets taken out as change and then put back in as different amounts. I need my money I'm starving, stuck, cold, and my phone is now off.
Product: Credit reporting, credit repair services, or other personal consumer reports

fBOA has sent false info about me to at least XXXX Credit Bureaus! 
Probably more! 

BOA falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!