23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company keeps adding charges to that account. They claim I owe them money but I never had a contract with this company. 
I sent them the following letter : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Mutual Management SRVC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office C CC : XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/2018 from XXXX , XXXX . In the letter they threaten to contact my employer and attach my wages. In the letter the only give me five days to  respond from the date of the letter which I received in the mail on the fifth day of the date of the letter. 

They repeatedly contact me on my company phone and called my employer numerous time asking for me and my whereabouts causing concern with my employer. 

On XX/XX/XXXX XXXX  had a process server come to my place of employment and serve my Human Resouces Department with a Plaintiff 's Claim and Order to Go to Small Claims Court. I received urgent messages from Human Resources with concerns of this  matter and action. 

On XX/XX/XXXX another envelop shows up at my place of employment, this time the letter is addressed to my employer with no reference to me on the envelope. So my employer opens the letter and was very concerned that I may be having financial problems. This has caused me undue hardship and embarrassment with my employer which is now have a negative impact on my employment. 

I have copies of the proof of these actions as I described them to you. 

I wrote a letter dated XX/XX/XXXX in response to the threatening letter XXXX sent me on XX/XX/XXXX. I sent it to XXXX as a certified letter with receipt from the USPS. In my letter I demand that XXXX stop the harrassing calls to my employer and me during work hours. I tell them that they are breaking several articles of the Fair Debt Collections Act,  and list each article they are breaking. I ask them to remove any and all negative debt reporting on my credit report. I warn them that I will file a complaint with the Federal Trade Commission in an effort to get XXXX to stop these damaging actions against me. 

I have written a letter to XXXX, XXXX in response to their filing of Claim with the Superior Court of California , County of XXXX XXXX. I address their action of contacting my employer when they knowingly have my home address. These actions are unlawful and I need help to get XXXX  to stop these unlawful acts. I would like to also ask for any fines to be paid to me for each unlawful act as set forth with the Fair Debt Collections Act. 

I have called prior to all this asking to settle the debt and offered payments, but they only wanted their interest payments in excess of 100 % interest. 

Thank you for your help in bringing this company to start following the Fair Collection Practices Act. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Failure to take timely and effective warnings ; effect measure to detect prevent ; failure to safeguard the Zelle network
Product: Credit card

I received an American Express every day card with promotion of 0 % on purchases plus balance transfer for 12 months. Since I had few cards with high rate, I use the balance transfer benefit for XXXX my cards XXXX XXXX XXXX card back in XXXX XXXX. I provided the XXXX card number and the amount of {$760.00} to do a balance transfer. About 4 weeks later I found out that the transfer never took place, but I was charged {$760.00} plus {$75.00} and plus {$35.00} fees. I called American Express some time in late XXXX to early XXXX to ask why the transfer did not take place and It was explained to me that the transfer of {$760.00} was made to different company ( XXXX XXXX ). The agent and I confirmed the account number that was provided matched my XXXX XXXX XXXX card. I was assured that American Express was going to request for a reversal of the charges from XXXX XXXX and applied to the account number provided. The agent took my information to start the reversal process and told me it will take between XXXX4 weeks and I would be notified via email. In the mean time they temporarily took the charges and fees away. To my surprise I received an email that claims the transfer was legit to XXXX XXXX and they confirmed the legetimecy of the account and that I should contact XXXX XXXX but in the email they mentioned XXXX XXXX did not provide the reason. I reached out to XXXX XXXX to provide them my XXXX account number that was provided to American Express to find out the confusion. I was told by XXXX XXXX that the account is not legitimate and they have no open account on file under that account. I called Amex to informed them and recommended to even have a three way call with XXXX XXXX and or my XXXX card that was never paid even though the account number and information was provided and is on Amex file. No one seems to help or care about helping me. I have called Amex which transferred me to their balance transfer in XXXX and have waited countless hours on phone with no help and the employee lack of knowledge of XXXX credit card department stores. I am surprised that some reps did not know the difference between XXXX XXXX XXXX card which is offered through XXXX XXXX and XXXX XXXX. I have taken my complain to even social media XXXX and a rep by the name XXXX tried to help but at the end said she ca n't reverse the charge because I had told themes pay XXXX XXXX but she ca n't explain why they ca n't reverse the charge because they know that I do not have any active XXXX XXXX card. I asked her that I do n't have any XXXX XXXX card active over the last XXXX8 years why ca n't they reverse the wrong payment sent to an account that does not exist? No reasonable answer is provided. She gave me the same unreasonable answer that you asked us to pay XXXX XXXX with no proof and can not answe why would someone make a payment to a wrong company with an account from XXXX? It does not make sense. If even their was a mistake in a communication why ca n't they reverse the payment for an account that does not exist? Again, no help as she told me to reach out to customer service in which no one can help recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX and XXXX all of which require both : background check and credit score. 

Transunion is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Product: Credit reporting or other personal consumer reports

I owe collection for XXXX XXXX never had service in there name and also XXXX XXXX XXXX  I worked for a company in XXXX XXXX which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my last check wasnt payed to me nor was onboarded
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # that starts with XXXX XXXX  XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # that starts with XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 Section 2. It Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( A ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I am unable to get my XXXX credit report. This has been a persistent problem. 
XXXX. My Equifax credit report shows a drop in my credit score of XXXX points even though there has been no negative reporting on my report. 
XXXX. My XXXX account shows no update to my XXXX and XXXX credit scores since XX/XX/XXXX. 
XXXX. My XXXX account shows no update to my Equifax credit score since XX/XX/XXXX.
Product: Checking or savings account

TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Debt collection

i tryed to make payments on the dept from kubota on a XXXX that was taken from me and got told no the first time i called on the {$5000.00} letter thy sent me i called on XXXX got told hold on let me check then thy came back on the line and said XXXX a month or we will send it to a lawyer then will offer you a settlement i explaind i dont have that kind of money thy refushed to send me any paperwork so i can pay XXXX a month thats all i van do i adviced them if i file XXXX XXXX and its discharged thy can not collect on the dept due to bankrupancy laws iasked them again ide like to pay it but will not take payments no less then XXXX a month this is wrong and in XXXX  ill seek a laywer and let him deal with this im on a fixed incom  i adviced thim of this XXXX dont go vary far i aslo told them i have a wage garnishment now and if thy try that thy will ony get 10 percent of my wage thats law
Product: Credit reporting, credit repair services, or other personal consumer reports

Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from XXXX XXXX to XXXX. Ive tried contacting XXXX with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have zero faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put me into collections in XXXX and now has put me in again for XXXX when in fact the contract had ended in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )
Product: Payday loan, title loan, personal loan, or advance loan

I had entered into a contract in my home to pay for my XXXX unit. It was a no interest XXXX equal payments loan with XXXX in XX/XX/XXXX. I paid the XXXX payments and never went 30 days but apparently they charged me late fees. Now Im finished and they want me to pay the XX/XX/XXXXmonthly even after I paid the XXXX equal. They also stated they will now charge late charge on the remaining late charges. Please let me know if Im being taking advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments
Product: Credit reporting or other personal consumer reports

XXXX mortgage services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with XXXX and TransUnion  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to trans-union for a one month period on their website. They did not mention that it will be a recurring payments of {$19.00} every month. They've been charging me for the past 6 months. They did not send me an email / mail receipts that they were charging me all these months. The only way to cancel them is by a long wait over the phone. 

This is not how they do business. This is a rip-off.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft report.
Product: Checking or savings account

Wells Fargo purposely held onto my Purchases with my bank card.. Therefore when I would look at my account balance and buy something.. 3 days later they would charge my Account.. 
I checked before I made a purchase for almost 2 years.. 
This costed me Thousands of dollar in Overdraft fees that would not have been charged, If my online account was accurate.. 
Wells Fargo got caught and was supposed to pay me back, Plus {$100.00} for Damages.. 
I have not received a penny.. 
I would like all my money back.. 
Then we can move onto the denying of Legitimate Wrongful Charges claims. Which is about another XXXX 
As they claim papers lost, They didn't receive... This was after I went into the branch and had them send them... 
Then they deny my Dispute...
Product: Credit card

I have a plan of payment with the American express that I will pay them $ XXXX/month until m y balance is fully paid with an interest rate of 9.9 %. my credit card is closed. this billing period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX they increased my interest rates to XXXX %. I am seeking your office help to compel the American express to honor the agreement. Thank you very much.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts linked to identity theft have appeared on my consumer report without my written authorization or signature, causing severe financial and emotional distress. Despite my recent communications with your organization about this matter, these fraudulent entries continue to misrepresent my credit history and responsibilities, critically impacting my ability to achieve important financial goals like purchasing a home and providing for my family 's needs. The ongoing presence of these unauthorized accounts requires immediate intervention to prevent further damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Vehicle loan or lease

XXXX and AutoPay engaged in deceptive practices via the XXXX XXXX website. My son and I recently purchased a used vehicle and financed it through a credit union at 7.64 % interest rate for 60 months. The XXXX XXXX website induced me to apply to refinance the loan and provided 15 pages of offers based on my credit scores. XXXX XXXX also knew the VIN, year, approximate mileage, make and model of the vehicle, so I assumed the offers would be accurate based on all the available information. I applied for one of those offers through AutoPay, going directly to the AutoPay website, application # XXXX. Since I am defined as a " prime borrower '' I expected the best interest rate advertised to me in the XXXX XXXX offers, which was 3.49 % for 60 months. Upon hearing back from the AutoPay representative, XXXX XXXX, XXXX, XXXX, he informed me by phone that the rate and payments would be higher than the rate and payments are on the existing loan. He said " interest rates are just very high right now. '' I asked him " if I don't qualify for the advertised rate, who does?, '' he replied " no one. '' I consider this a bait and switch tactic which induced me to apply for credit and resulted in a hard credit pull on my credit report as well as my son 's. It is very disappointing to me that XXXX XXXX would participate in this kind of fishing expedition by allowing such an obviously predatory company onto their web platform, using it to bait and switch XXXX XXXX  users into working with bad actors. I have a printout of the offers provided in my XXXX XXXX  profile as evidence of what AutoPay and other lenders are doing on XXXX XXXX 's website.