23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  reported a debt on my current XXXX/equifax report. I sent XXXX  the documentation and spoke to equifax on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.
Product: Credit reporting

I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was repossessed, account showed closed but Im still  negative credit reporting ... car was sold. Santander Settlement
Product: Checking or savings account

hi on XX/XX/year> mercury.com bank sent me an email saying that they would close my business account of which I am the sole owner 100 % on XX/XX/year> because they noticed that I reside in the XXXX which is a country they no longer support. After explaining that I am a resident of XXXX but I was in the XXXX for vacation they replied that the account would no longer be closed advising me to ignore the previous email, so sure of this I deposited some money having a total balance of {$2600.00} but on XX/XX/year> my account was closed anyway and I am no longer able to receive my money.

Mercury.com says that the only way to receive the money is to send the check to my XXXX company`s legal address, but the check never arrived and they never provided me with a tracking number so I could monitor the shipping status. Last month they told me they would resend the check but I still have not received anything. Since it was their communication error telling me they would not close the account I asked for my money to be returned directly to one of my active bank accounts that with other banks but mercury.com refuses my request saying that the only solution is to receive it by check. Since the check has not arrived I ask for help to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the fraudulent accounts that have been opened in my name as a result of a recent data breach. These accounts were fraudulently opened without my authorization, and I am requesting that they be deleted and blocked from my credit report immediately pursuant to 15 U.S.C. 1681c-2 ( a ). 
As part of my case, I have filed a report with the Federal Trade Commission ( FTC ). The report number is XXXX. The fraudulent accounts I would like removed and blocked from my credit file are as follows Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$520.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$500.00} Under the Fair Credit Reporting Act, I am entitled to have all information related to these accounts blocked and removed from my credit file once I have submitted the required documentation. For your convenience, I have enclosed the following supporting documents : A copy of my government-issued identification ( drivers license AND SSN CARD ) A copy of a utility bill or bank statement showing my current address. 
A copy of the FTC Identity Theft Report ( Report # XXXX ). 
DATA BREACH ENGAGEMENT NUMBER XXXX PROOF AND IMAGES
Product: Payday loan, title loan, or personal loan

My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections
Product: Checking or savings account

On or abut XX/XX/2023 a Cashiers check XXXX XXXX was distributed to XXXX XXXX  for the payment of services. 

The business of XXXX XXXX XXXX deposited the cashiers check in Wells Fargo Bank XXXX 

Wells Fargo Bank received the funds from XXXX XXXX XXXX. However, the 'Wells Fargo Bank XXXX with held the funds from XXXX XXXX XXXX My transaction could not be completed. The Wells Fargo Bank violated 12 CFR 229. I request sanctions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX
Product: Debt collection

This is the second complaint I have filed. First complaint number XXXX. The company refuses to send me any additional information regarding the debt. I have called more than 40 times and left voicemails requesting contact. The company has refused to contact me back or send any additional information regarding the debt. I have also submitted a formal complaint with my health care insurance company. This company simply is refusing to verify debt and has added the debit to my credit report without the ability to resolve or verify the debt. The lack of communication and willingness to respond to various complaints via XXXX, XXXX XXXX, and now Consumer Financial Bureau is appalling. Over the course of 3 months I have tried to get more information with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I m having a hard time with XXXX and Experian removing these late payments. XXXX XXXX already removed 6 late payment from the XXXX XXXX XXXX  on my report. please help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports state no payment made for the month of XX/XX/2015. According to banks own records this is not accurate.
Product: Debt collection

Debt was paid in full on XX/XX/2020. We were told XXXX would update our credit report within 30 days. They are still reporting a balance to this day on all 3 credit burueas for {$54.00}. They recently mailed me a letter requesting me to settle the debt of {$54.00} and pay {$27.00}. This account was paid in full!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, I am writing in regards to XXXX and Equifax refusing to delete re-aged XXXX XXXX account XXXX. XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXXXXXX 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 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : AUTO LOAN ( XXXX XXXX XXXX XXXX XXXX XXXX ), CREDIT CARDS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I VISITED A NIGHTLCUB IN 2018 AND MY WALLET WAS STOLEN, IVE CONTINUED TO MONITOR MY ACCOUNTS BUT NOW I SEE CREDITORS ON MY REPORT THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE. I SEE SOMEONE HAS BEEN ATTEMPTING TO OBTAIN LINES OF CREDIT FROM CREDITORS SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I'VE CONTACTED THE BUREAUS INDIVIDUALLY IN REGARDS TO THIS MATTER VIA PHONE AND MAIL. THESE ACCOUNTS ARE NOT VERIFIABLE, AND NEED TO BE DELETED. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT MY ADDRESS BE UPDATED AND ADDRESSES WHERE I'VE NEVER RESIDED ALSO BE REMOVED FROM MY PROFILE.
Product: Debt collection

A wage garnishment was initiated against me twice by this company without notification and I did not receive any legal papers. I had a payday loan with Speedy Cash in XXXX. I did fall behind on the loan. When I called Speedy Cash to tell them I wanted to take care of the loan I was told that it was sold to a debt collection company. I did not hear from them until late XXXX when someone came to my door to tell me that if I don't contact them I would be sued. The company was XXXX, XXXX and XXXX. I went to the office and paid the {$150.00} and they gave me the paperwork. The had all of my information and they told me they would send me a payment schedule to pay my balance. The balance was around {$1100.00}. I never received any information or phone call, mail, email nothing. Then COVID hit and everything was on hold. I was waiting to hear from them and no communication. Then in XXXX of XXXX I was hit with a wage garnishment without any notification or a notice of a court date. I called the office and spoke to a representative and was told they tried to get a hold of me. They had my phone number and email address. I had moved but I had mail forwarding. I agreed to pay around {$1000.00} up front to stop the garnishment. Now my owed amount was over {$2000.00}. I paid the {$1000.00} and the wage garnishment was not stopped. The representative told me that they had submitted the requests to XXXX XXXX and the garnishment was cancelled. My employer never received the paperwork and the wages were still taking out of my paycheck. It took me 4 months to correct it and to get the money that was garnished back. I was told that my account was on hold until the wage garnishment was corrected. I called the representative five times to update her and no response. I made two payments the last one was for {$150.00} on XX/XX/XXXX. I received another wage garnishment on XX/XX/XXXX which more money was added and I was never served paperwork or notified of any court dates. The original bill was for around {$800.00} and because of the wage garnishments and other fees the total bill is over {$2000.00}. The company knew my cell phone number, email address, address, my daughters cell phone number and my sisters cell phone number. They had every opportunity to contact me if they needed me to pay off the bill at once. I was having medical issues and will have to apply for XXXX but I was still trying to pay it off. 
I'm afraid that if I pay off the additional balance they will get another wage garnishment against me for other fees.
Product: Payday loan, title loan, or personal loan

I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : 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 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 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 XXXX XXXX
Product: Debt collection

I was sued by XXXX XXXX XXXX for a debt that was already paid.I entered into a settlement agreement with the creditor for the amount of {$880.00} from the original amount of {$1200.00}. The creditor 's attorney at the time, XXXX and XXXX, XXXX, sent me a notice that the debt had been settled and the account closed ( please see the letter dated XX/XX/year> ). I was never served with any paperwork for the suit that was fled regardless of the XXXX XXXX court documents from XXXX XXXX indicating she was served on XX/XX/year>, and she maintains that the debt was settled prior to the suit. I hired a lawyer who has requested XXXX XXXX XXXX vacate the judgement and after XXXX letters they have failed to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
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 XXXXXXXX
Product: Checking or savings account

I am being charge excessive overdraft fees. i can understand the bank charging fees but there should be a limited number of fees that they can charge.
Product: Credit reporting or other personal consumer reports

My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.