23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was charged {$470.00} more than authorized on a rental car through XXXX XXXX. I disputed this amount with my credit card and they reversed the unauthorized amount from my bill. However, XXXX mailed me an invoice in an attempt to collect the {$470.00}. In this letter it gave me the instructions on how to dispute this charge with them properly. I followed these instructions perfectly ( I was instructed to respond in writing within 60 days. I received their first notice on XX/XX/2022 and mailed a response with the details of why this charge was not valid, I confirmed receipt of my written response on XX/XX/2022. Per their first notice they are obligated to respond to my letter and acknowledge receipt within 30 days of receiving it. They did not do this, it also states that they can not try to collect on any amount, nor can they report me during this dispute. They have 90 days to resolve this or explain why it is correct, they did not do this either. The next communication I received was today XX/XX/2022 from a collection agency names XXXXiking Service, I told him this amount was in dispute and XXXX was required to notify me before they are able to report this or attempt to collect on it. He stated XXXX never communicated that to his company and that he was a debt collector. His email address is XXXX and his phone number is ( XXXX ) XXXX. I have attached the letter I received, a copy of the letter I sent to them in response, a copy of the tracking showing when this response was received by XXXX, as well as the " rights and responsibilities '' I was given from them.
Product: Mortgage

I have a mortgage in good standing, which was sold to PNC Bank. Part of each payment is held by PNC Bank for Tax and Insurance Escrow. The escrow is set up by our choice, it was not enforced by the loan type. We have been escrowing for a number of years, but now I want to stop the escrow service. I submitted this request in writing and rcvd a response form PNC Bank requiring to pay {$340.00} by check to them as Escrow closing fee. 
Only after that they will refund the escrow balance of approx. {$2000.00} to me. I have never heard of charging a substantial fee to STOP providing the service. I have worked with local banks before and they have not charged anything to stop the escrow service. It seems that PNC is just abusing their power over the borrowers by making it extremely expensive to release cash they are holding on our behalf. It is banking 101, that the bank wants to keep as much cash as possible to leverage it for the lending and make higher profit. 
I called PNC Bank to complain in XX/XX/XXXX. PNC employee said there is nothing she can do about the fee, it is just a fee that everyone has to pay, but she would file a complaint. I have not heard bank as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX charged off {$690.00} XXXX XXXX XXXX  account is closed paid in full XXXX balance. 

XXXX XXXX XXXX account charge off ending balance {$8300.00} XXXX XXXX XXXX- debt buyer account charge off {$540.00} Under the law 15 USC 1692C ( c ). If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege a debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

Churchill mortgage pushed me conventional loan, I was wanting VA or FHA. I was told I couldn't get a gov backed loan _ Within 15 days I was sold XXXX. XXXX XXXX, then XXXX XXXX. What do u know. This was a scam to get {$30000.00} cash out of me. 

This is an obvious move of ihands to take the Cash from me.
Product: Credit reporting or other personal consumer reports

I have substantial reason to believe that Experian has consistently failed to conduct an appropriate level of investigation into disputed items I have submitted over the years. Despite numerous attempts to address inaccuracies on my consumer report, Experian has not complied with its legal obligations to resolve these disputes through proper investigation. 

I have sent multiple written disputes to Experian regarding unverified information on my consumer report, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and earlier. While I have noticed that some items were initially deleted, they inexplicably reappeared on my report after being removed. 

I have repeatedly demanded that Experian delete these items due to their inability to verify the information. Despite my efforts, Experian has neither verified the disputed items nor permanently removed them from my report, which violates their obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the 'Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.. 

DEPT OF EDUCATION LOAN
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX, my identity was compromised and used to submit multiple fraudulent applications for credit cards and loans. 

After discovering this, I reviewed my credit reports from all three credit bureaus and contacted companies that had made hard inquiries during this time frame. CB Indigo/IndigoCard was one of the companies involved. 

On XX/XX/XXXX, I called and spoke with a representative at CB Indigo/IndigoCard to report that the application was fraudulent and requested that it be voided. They said the company will send a letter in the mail with the outcome. If I need to call back, they provided the following number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with Bank of America ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with Bank of America. I have contacted BOA and XXXX to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.
Product: Mortgage

Better mortgage is terrible. They told me they'd be my originator and servicer. Then they sold my loan to XXXX XXXX and forgot to pay my insurance bill. They're amateur best. My homeowners insurance has since been canceled, meanwhile, I have XXXX  in escrow.
Product: Debt collection

unknown person rented a car in my name, it was not me ... remove this debt from my credit report some one rented an XXXX  car in my name XXXX XXXX and it was not me i live in XXXX Ohio, some rented a vehicle in XXXX mas in my name and I do not live in XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company.

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a XXXX form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

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

I gave over 60 days notice of my intent to vacate my apartment by XX/XX/23. On or about XX/XX/23, I received the attached notice/invoice taped to my front door. This last billing invoice from my apartment management clearly shows that {$0.00} is owed for XX/XX/23 due to move out. 
I have never received any other invoice. I have never been contacted about owing additional money.
Product: Debt collection

I assume the company in question is Portfolio Recovery Associates, though I can't verify this, as they refuse to leave a message or identify themselves over the phone, but based on the number out of Florida they're using, I was able to find similar complaints online that identify the company as PRA. 

I received a collection 's notice from PRA a few months ago. After I sent a certified letter requesting validation of the debt, they either could not or would not provide the requested documentation, so I assumed the debt was - in fact - NOT valid and received no further communication until yesterday, XX/XX/XXXX. They did not leave a message, and then called again this morning and would not identify themselves as PRA, despite me already having looked up their information online. 

I've included a copy of the debt validation letter dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.
Product: Debt collection

I received a letter dated XX/XX/2017 from a company called XXXX XXXX XXXX ( attached ) stating they were the new owner of my credit card debt from XXXX. Subsequent to this letter, I have received numerous letters from other companies regarding the same debt. One even sent a letter with a fake XXXX XXXX logo on it. I received numerous phone calls on my phone ( work and home ) from someone threatening to file lawsuits against me for this debt. They also came to my home and left a card on my door claiming to be a XXXX County Courts Process Server. But the card did not include the court number or any other information. I have been getting letters from a several letters from supposed law firms wanting to represent me in this supposed lawsuit. I went to the public records as they stated in the letters and because I have no court documents or court number I couldn't find out any information. These people coming to my home over one credit card is an invasion of my privacy and makes me feel for my safety and for my elderly Father 's safety. He is very ill and these kinds of tactics are detrimental to his health. I have included all the correspondence but was unable to transpose the voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. Experian and XXXX has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from Experian and XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Product: Credit card or prepaid card

Case Number : XXXX Merchant : XXXX Transaction Date XX/XX/2020 Amount {$100.00} The remote control I purchased on XXXX was defective. I contacted XXXX and they told me to return it and provided return label. I returned the product 0n XX/XX/2020 via XXXX Tracking Number : XXXX. Since then XXXX refused to issue a refund. 
I opened dispute with Capital One and was told to provide proof of return and letter that explains the situation. Capital One received all requested documents on XX/XX/2020 hence refused to resolve my dispute. 
The Consumer Rights Act gives me the statutory right to return something and get my money back if it's faulty. I provided proof of return and Capital One still refused to resolve my dispute. I called multiple times and agents are rude and not helpful.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX 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: Payday loan

Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GOLDMAN SACHS XXXX XXXX XXXX for committing identity theft. I have never given GOLDMAN SACHS XXXX XXXX XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). 

I have never received any documentation requesting validation from GOLDMAN SACHS XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to XXXX XXXX Code XXXX ( XXXX ) which the FTC defines as debt parking. If GOLDMAN SACHS XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

The status of this account reporting as a XXXX XXXX is an inaccurate account, which is a violation of XXXX XXXX XXXX XXXX ( b ). 
The continued reporting of this inaccurate information is a clear violation XXXX XXXX XXXX XXXX your responsibilities as a furnish ofinformation & XXXX XXXX XXXX XXXX ( b ). 


I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GOLDMAN SACHS XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and GOLDMAN SACHS XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and GOLDMAN SACHS XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I visited the Worldremit international money transfer website and successfully completed two transactions in the amounts of {$98.00} and {$59.00} respectively to two recipients in XXXX. However, when I tried to log back into my account to make a third transaction, I could not access the website. 

I called their customer service number and spoke to an agent who asked me a number of their security-related questions. I thought some of them were ridiculous since I had successfully answered all questions relating to my identity, and explained why I was sending the money to those individuals. I further explained that it was not the first time I was doing so, that I had made scores of remittances to the same people in the past through XXXX and XXXX XXXX. I wondered why they were more concerned about me being scammed than I was since the money was mine. 

I concluded my argument by suggesting that they might want to consider including all those questions on the form that customers must fill out in order to send remittances. It did not make sense, I argued, to hold up transfer requests just because they did not like the answers to verbal questions they ask customers over the phone. I concluded my argument by suggesting that they consider including a two or three step verification process that will further weed out scammers or thieves and ensure the security of genuine customers because only they would know the answers to the verification questions. 

In response the agent I spoke with said I would not be be able to send any more money through Worldremit. When I asked why, she directed me to an email that was sent to me but that message also failed to explain what exactly I did to warrant being permanently banned from accessing their services. Was it because I criticized their security protocol? If so, what did that have to do with the actual process I obviously followed in order to successfully complete the first two transfers? 

Thanks.
Product: Checking or savings account

Spoke to Citibank many times and no one can help. 

They owe me {$400.00} checking account bonus.