23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email from XXXX XXXX XXXX company on XX/XX/XXXX regarding an alleged debt of the amount $ XXXX.The email stated they have been authorized to accept a one-time payment of {$1700.00} as settlement in full which will end XX/XX/XXXX.As a consumer, I have every right within thirty ( 30 ) days after receiving this notice to dispute the validity of the alleged debt. 

On XX/XX/XXXX I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing that I am responsible for this debt, or a copy of any judgment. 

They made no effort to follow the laws in making me aware of such debt, I wrote to them within 30 days of being notified of the alleged debt, they should have ceased attempting to collect this alleged debt until after I have provided the requested information.The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt.Harassment is more than just repeatedly asking you to pay money, .Its whats being done on a day-to-day basis. Its something thats misleading and done for the purpose of coercing me into doing something that I otherwise wouldnt want to do, or couldnt do, for fear of retribution. 
On numerous occasions I have repeatedly been receiving phone calls to collect payment without identifying themselves as debt collectors. Most recent on XX/XX/XXXX, I  received phone calls from a gentleman who identified himself as XXXX and he works for : Midwest Recover Systems, XXXX.Debt collection agency in XXXX XXXX, Missouri Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX They threatened to take damage my credit if I did not pay up the alleged debt. Now, I believe Collectors are required by Fair Debt Collection Practices Act to send me a written debt validation notice with information about the debt theyre trying to collect. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe the statute of limitation on Medical Debt in Texas is 4 years. The Original creditor and any third party debt collector only have a limited amount of time in which they can pursue repayment of debt by filing a lawsuit. 

Today, XX/XX/XXXX I received an email from XXXX XXXX stating a new collection account with MIDWEST RECOVERY SYSTEM was added to my XXXX credit report.Like all debt, This alleged medical debt is damaging to my credit .I have encountered such behavior, this why I am filing a complaint with the Consumer Financial Protection Bureau . 

By them continuing attempt to collect on this debt or seek judgment for payment of the debt without first providing written verification, they are in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on Experian XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Product: Credit card or prepaid card

I am a long time customer of Key Bank and have always had my savings linked to my overdraft protection. The manager of the branch kept telling me I needed a card but I never authorized or activated it.

They sent me a card and I still have it never activated as I have {$100000.00} in my savings which has been linked to my account for 25 years.
In XX/XX/XXXX,

the bank without my permission or authority activated the card and disconnected the link between my savings and checking account. I only found out by the at least 5 phone calls a day I receive every day from the banks collection department. The branch manager where this error occurred refuses to address the inappropriate phone calls even though the bank error is under a bank internal investigation. The banks error is causing chaos with my good credit rating and the phone calls are bordering on harassment as no one at bank will take responsibility. I have over {$300000.00} in Key Bank and this was their error. No customer service skills. I am concerned that others have experienced the same problem a
s the issue seems systemic.
Product: Checking or savings account

XX/XX/2018 money form my bank account were stolen. It was 3 transactions. Full amount was XXXX dollars. XX/XX/2018 I called Bank of America and they created fraud claim and put account on hold. They said it takes 60 days for investigation. Today is XX/XX/XXXX and I call them almost every day. They only thing they say is I have to wait. Could you help me with this situation please. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a XXXX in the amount of {$7000.00} with XXXX transactions from Cash App. I immediately contacted the company asking for details of the amount and transaction as there was NO record in my app. The last time this app was used was in XX/XX/XXXX -- nothing in calendar year XXXX. They tried looking up my account but said there was nothing that matched that amount. I said I needed a document from cash App stating this was sent in error so I can send to IRS so I will not be expected to claim this as earnings because I did NOT receive {$7000.00} and did not transact anything in this account in XXXX. They said they could only advise I get a tax advice and to call the police if I think it's fraud. I told them I needed to talk to the manager, but Customer service eventually hung up on me because they said cash app managers only answer emails. With this, they did not resolve my FRAUDULENT complaint. I also called IRS on XX/XX/XXXX and they suggested I report to CFPB, IRS fraud, credit bureaus, etc. With this, I noticed an article talking about cash app fraud and unfortunately I have been effected XXXX XXXX XXXX  I hope you can resolve this as is extremely frustrating and ILLEGAL.
Product: Credit reporting or other personal consumer reports

I went to the XXXX XXXX XXXX  official website. I checked to receive all three reports. 
On my second try, I finally was able to get the XXXX Credit Report. Two pages were difficult to print as it appeared on the site. On XX/XX/2024, I went back to the website and tried to print the other XXXX reports, but the site kept coming up errors. It is not clear on the site how to get your credit scores. It is very confusing. The bottomline is that the bureaus need to just give consumers their scores FOR FREE TOO with this annual reporting. Now, after your initial request for a XXXXmonths report later in the year, perhaps consumers can pay a fee for the credit scores, but this process needs to be simple! We are lured into getting some ACCOUNT for credit checking and that is unnecessary! Stop the usury and exploitation! Just add a button on your website to purchase ALL three scores at once for a reasonable fee and stop holding us hostage with these monitoring accounts.
Product: Debt collection

Sent in a letter of dispute and creditors neglected to mark my credit report as disputed. Creditor is not licensed in my state to collect this debt.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against United Revenue Corp for committing identity theft. I have never given United Revenue Corp 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 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from United Revenue Corp 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 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If United Revenue Corp 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.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Revenue Corp 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 United Revenue Corp continues its collection efforts, I will file for litigation for actual damages caused and United Revenue Corp will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, 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 UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : Navient, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Product: Credit card or prepaid card

I contacted First Progressive Bank and notified them that I lost my job and am experience financial hardship due to Covid-19. I requested that they not report my account as late until I could resume to make payments. They closed my account and kept reporting my account as late Due to this my credit report has suffered irreparable harm
Product: Credit card

This is against Care Credit. After months of making regularly scheduled payments, CAre Credit, presumably through XXXX Bank reduced my credit line to {$XXXX}, the approximate outstanding balance, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my wife 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( Experian, XXXX, and XXXX  ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; Experian : XX/XX/XXXX & XXXX  : XX/XX/XXXX ). You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Original Purchase Agreement Hello, I hear by dispute the validity of the alleged debt listed below entirely. I also request verification off all alleged debt, specifically a copy of the original XXXX XXXX. A XXXX agreement must be with the original creditor and sign by all parties involved. I am requesting this because I have had different companies reach out to me regarding the same alleged debt. 
XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} It is my priority that all such agreements and associated practices fully comply with applicable credit monitoring laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
We value a transparent and compliant business relationship and believe that addressing these matters will ensure that both parties meet their regulatory obligations while safeguarding consumer rights. I am requesting IMMEDIATE Deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You MUST Cease Collection efforts until this alleged debt is validated. You MUST show proof that you legally own this alleged debt and that is accurate and complete. 
To ensure our mutual compliance and the protection of consumer information, we kindly request the following : Provision of Agreement Documents A complete copy of the proposed Purchase Agreement outlining the terms, conditions, and obligations of both parties.

A detailed copy of the Forward Flow Agreement, including the volume, pricing structure, and scheduled transfer dates for the accounts involved. 
Compliance with Credit Monitoring Laws An explanation of how Source Receivables Management ensures compliance with the FCRA, FACTA, and any other applicable credit monitoring laws in its account reporting practices. 
I appreciate your prompt attention to this request and look forward to your response.
Product: Checking or savings account

I opened an account with Marcus at Goldman Sachs on XX/XX/year> and when I opened the account it would not accept my driver 's licence. I spoke directly with a customer service rep and was told that I would not have any issues because of that. I asked again for them to verify that under no circumstances would it prevent me from accessing my money and they said 'no, it will not ' ( I have screenshots of this interaction ). So I deposited my life savings ( XXXX XXXX ) into the savings account. The account sat and collected interest and so I wasn't checking it. At some point in the late spring I went to check on it and found that my account was locked. I had received no email or indication that it was locked. I called and they couldn't verify my identity because apparently they needed my driver 's license in order to do so. They told me to call back next week when they could send me to a specialist. When i did they said they were going to send me an affidavit of identity. My physical address is in a rural state so we do not receive mail directly to the house- we have a po box . I explained this and was told that a po box was fine and it would take a couple weeks max. I never received it. So, in XXXX I printed the affidavit and sent it to them. Once I was told they had received it on XX/XX/XXXX, I called on XX/XX/XXXX. I was transferred to a specialist as I had been before and was told that the affidavit could not be sent to my po box because it needed to be an address with my name on public record. Since beginning this long string of phonecalls, I have moved to a city but my current rental does not have my name on it either and the po box that I still have will not work for the same reason. I was never informed of this stipulation just as I was never informed I needed my drivers license and in fact was lied to about both of these things. I was told they were going to open a case for me to try and figure out how to get my account open but was given absolutely no time-frames for when this case opening will happen or when they will contact me. Based on their current track record of not communicating with each other when I call and giving me different information every time I call, I strongly suspect I will never hear from them again. Everything I have ever saved is in that account and I still don't know why it was locked. That money is my only safety net in case of emergencies and the longer this goes on, the more at risk I am of having an emergency that puts me into debt despite having XXXX XXXX dollars in this account that Marcus will not allow me to access.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I signed a loan agreement with Spotloan to borrow {$800.00} and pay it back in bi-weekly installments of {$140.00} until the loan is repaid in full. The APR on the loan is 460 % and the finance charge is {$2100.00}. As of to date I have paid a total of {$980.00} which is more than I borrowed. While I did sign a contract, the company is committing usury, an illegal practice of lending money at unreasonably high rates of interest. My bank account is now over drafted because I am struggling to make ends meet. I contacted the company on XX/XX/year> to inform the company that I would not be able to make a payment on XX/XX/year>. I spoke with a lady who said she would notate my account and to just pay when I can. I told her I didn't want to be reported to the collection agency and she said call back after XX/XX/year>. I called yesterday, XX/XX/year> and spoke with a gentleman named XXXX. I explained to XXXX that I have a payment due on XX/XX/year> and would not be able to make the payment because I am struggling to make ends meet and facing eviction. XXXX stated that if a payment isn't made my account will be sent to collections and I will be reported to the credit bureau. I am not trying to avoid paying but I can not give the company something I do not have, and they don't seem to be willing to help me.
Product: Mortgage

We have been trying to get assistance with our payments for over 3 months and every time we talk to someone we get told to call back in two weeks for a decision and then we get a letter in the mail stating we received your request for mortgage assistance. Our monthly mortgage payment increased {$250.00}, since COVID hit we have been having financial hardship in making this payment, we can not get them to accept a payment plan or refinance the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.