23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receivable Management Services, LLC located at XXXX XXXX XXXX, XXXX, MN XXXX is attempting to collect a debt on behalf of a foreign creditor XXXX  in the amount of {$530.00} for purported services rendered by XXXX, an online publishing company. The debt being collected spans a period from XX/XX/XXXX through XX/XX/XXXX. 

XXXX is a foreign company registered in XXXX. I utilized the services while I was a resident of XXXX and XXXX. However, my use of the services was for a short period of time during a free trial period, after which I canceled the service and ceased using it in early XXXX. 

XXXX products are a fee-for-service offering. I never executed any kind of fixed-term or revolving contract or agreement that wound bind me or make me liable for payment beyond the date of which I canceled my account. Furthermore, I've never engaged in any activity, to include seeking or entering into any contract or agreement or receipt of any extension of financial credit, with XXXX 

I dispute this debt in its entirety, and deem this to be a fraudulent collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through out the duration of my loan I made two payments, one approximately on the XX/XX/XXXX and one on the XX/XX/XXXX. In XX/XX/XXXX I began receiving calls from XXXX XXXX XXXX stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted SPEC LOAN SV XXXX XXXX told me I've never missed a payment, yet XXXX and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEC LOAN SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Barclay 's recently acquired accounts from XXXX bank in XXXX. During the transfer, autopay was turned off and not reactivated on my XXXX account. As a result, multiple late payments were accrued and reported to credit reporting agencies. I was not aware that they were no longer honoring the automatic payment agreement. I found out about this today and paid the balance owed and fees plus the current payment ( {$230.00} ). Barclay 's refuses to remove the delinquent marks from my credit record.
Product: Money transfer, virtual currency, or money service

Paypal banned my account. I comply with their legal agreement. but they shut down my account instantly. I dont have any dispute with my transaction. Then Last XXXX XXXX they just Permanently Limit my account and hold my funds for 180 days. my account in Paypal is same email : XXXX XXXX
Product: Debt collection

I found multiple unauthorized accounts on my recent credit report. Please take action to block and remove these fraudulent entries right away.
Product: Debt collection

XXXX XXXX I received a notice to collect debt. I filed the formal dispute, but have not received an answer from the collector. The debt is still reflected on my account, and is over XXXXXXXX XXXX XXXX I need to raise my credit score because I am unable to secure a traditional loan, and had an auto accident XX/XX/XXXX leaving me without a vehicle. This prevents me from operating my business or securing a job.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX ( XXXX XXXX  ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, Equifax & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.
Product: Credit card or prepaid card

I want to alert you to Ollo Card 's shady business practices. They only allow you to pay via debit card once the account is past due. I tried to pay ahead of the due date but don't wish to make it via bank transfer for various reasons. After escalating several times, I was advised only collections can take debit cards. When I asked to be transferred to collections, I was told they don't accept payments on current accounts.

By not allowing flexibility in payment methods, Ollo Card is intentionally causing low-income people to default on their bills resulting in more money.

These are shameful practices and should be stopped!!
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX ACCT # XXXX, XXXX XXXX  MARYLAND ACCT # XXXX
Product: Debt collection

I recieved a call from ProCollect about a {$12000.00} debt. They are saying that its to an apartment in XXXX called XXXX  XXXX. I have never lived there. I submitted my identity theft report as well as my police report. They were saying that the debt is verified because the signatures on the lease agreement match my drivers license, which it does not. There are multiple signatures that are different on the lease agreement. Once I stated that, they then changed it to say that the email address on the lease agreement matches the email address on the lease agreement. But this could have been a forgery because it was not a written email. It was typed. I have carefully reviewed the documents provided, and I maintain that the alleged signature and authorization are not mine. The signature remains inconsistent with my verified signature, as demonstrated previously. Additionally, while my email address may appear on the document, this does not prove my consent or authorization. I request further verifiable evidence, such as metadata, IP logs, or additional confirmation records, to demonstrate my direct involvement. Without such proof, this debt remains invalid.
Product: Credit card or prepaid card

I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.
Product: Payday loan, title loan, or personal loan

Upgrade Inc is falsely advertising its personal lines of credit as credit cards on XXXX XXXX through which I obtained an account. Given that Upgrade is in fact not a credit company, as they definitely stated on the phone with me, they apparently do not have to follow the same rules as one. Unfortunately I was under the assumption that they were in fact a credit card company. As I was working with a credit counseling and debt management program, I reached out about changing a due date. They stated that it is their policy to never change a due date. It was then in the discussion that I learned that they are not and have never been a cc company. This explains why I am unable to negotiate with them and the credit counseling agency and why they do not follow the same rules. Had this company 's products been advertised as not a credit card company, I would not have entered into an arrangement with them ( getting an account ), and I would be in a position up negotiate to try to pay down my debts reasonably. They are falsely advertising, as is XXXX XXXX, that they offer credit cards when they do not ; they are obtaining customers who would otherwise not do business with them, and they are profiting off this false advertising.
Product: Mortgage

My mortgage was sold to a new company, Newrez. The new company has not handled any of the servicing as agreed in my original mortgage. In XX/XX/year>, I submitted a claim check for their endorsement from my homeowners ' insurance company. The new mortgage company refused to handle this request expeditiously, which delayed the reconstruction of my home and resulted in financial and emotional distress. The new mortgage company did this twice, for XXXX separate insurance reimbursement checks. Today, I observed online that I was being charged a monthly fee for escrow. I have never had an escrow account on my home mortgage since its inception. I did not authorize the creation of an escrow account with the new mortgage company. I have maintained my own homeowners insurance since the inception of the mortgage on my home. My homeowners ' insurance has never lapsed, And my homeowners ' insurance has always submitted proof of insurance annually to the mortgage company. I also pay my own property taxes annually. When I called the new mortgage company to resolve this problem, they admitted that I did have my own insurance company and they did not know why an escrow account was established. I confirmed with them that my homeowners ' insurance sent them proof of insurance XXXX times. The new mortgage company then said they would resolve the matter, but then told me it would not be resolved unless I filed a request to have the escrow removed. I never established the escrow and do not understand why I need to submit a request to have it removed. Agent did not clearly state the method by which I should submit such a request either. I asked the agent with the new mortgage company to send me confirmation that it was a mistake that the escrow account was initiated, and that the funds that were placed in that account would be returned to my account as a credit. He said he could not provide confirmation via email. He then stated that he would try to send a confirmation, I have not received a confirmation yet. A large amount of money is sitting in an escrow account The charges should never have been added to my mortgage payment. I have no proof or indication from my new mortgage company that they will resolve this matter.
Product: Mortgage

I called Freedom Mortgage to confirm that if I paid my loan down to less than 78 % they would stop my mortgage insurance. They confirmed and I did. It was n't gone the first month, or the second so I called back. They said they would submit a request. I assured them this was n't necessary, as at 78 % they do n't have a right to decline a current loan ( never missed a payment ). After a week a MI specialist called back and said that I needed to submit a written request ( nope, see the Homeowners Protection Act of 1998 ) and that they could keep my MI on the loan all the way down to 75 % at their discretion ( nope again, HPA 1998 ). This greatly concerns me because this is the view of a MI specialist so they are probably doing this to everyone. There was a very very clear guidance from you guys last XXXX about this type of shenanigans. ( http : XXXX ) Please contact this company and have them change the way they do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I submitted a method of verification. I speciaifcally asked for all informaiton they are using to investigate and come to the conclusion that all of the informaiton is correct. They received the letter ( attached ) on XX/XX/XXXX. https : XXXX XXXX Already on XXXX they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. 

I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days fro receipt of letter ) to provide me the proof or they need to remove these items immediately.
Product: Credit card or prepaid card

I filed a complaint with the CFPB regarding Amex Served Prepaid Credit Card. I outlined that my identity was stolen and a card was requested in my maiden name. The theft had my SS #, DOB, and other sensitive information. The request was made from an email address that does not belong to me. I contacted Amex Served at ( XXXX ) XXXX where the overseas representatives did not understand the severity of what transpired or handled the identity theft with due diligence. I confirmed my SS #, DOB, etc. and asked to close the account and provide me something in writing that the matter was handled. Since XX/XX/2018, when I called XXXX times and was repeatedly hung up on after asking for confirmation, I never received anything in writing stating the Amex handled the matter. I then submitted a complaint to the CFPB ( CFPB Ref No : XXXX ) and the response I received was alarming! Not only did the Amex agent not address my complaint, they also provided me with the same phone number to close my account after I provide my SS #, DOB, etc.! This is information I provided 6 times on XX/XX/2018, to Amex served while letting them know my identity was stolen! Only to be repeatedly hung up on by overseas representatives! At one point, the representative told me he would send a confirmation to the fake email address where the thief requested a card in my name! Appalling! Not only do they not understand the context of the language they were going to commit additional violations. I want all my calls pulled for pending litigation. The response I received said they could not locate the calls. I do not believe that as each time I called in it said my calls were being recorded.! 
This is my final attempt to have Amex contact me via US representative of legal counsel to address the identity theft. If I do not receive a proper response, I will be seeking legal counsel to pursue any and all legal remedies to correct the actions of American Express Serve for the negligence in handling my identity theft complaint. Please refer to my previous complaint for additional information that occurred during my XXXX phone calls on XX/XX/2018, attempting to have this issue handled. 
I gave birth on XX/XX/2018, and the negligence of Amex has cause me emotion distress during the time I am bonding with my newborn. AGAIN! This is my finally attempt to properly resolve this matter as many FTC violations occurred with regards to identity theft and proper handling of this matter. If I do not receive a call or confirmation in writing by a UNITED STATES representative ( someone in a supervisory capacity or from Amexs legal office ) stating that my identity theft has been address and providing me with the information that was used to open an account in my name ) I WILL SEEK LEGAL ACTION!
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to XXXX, Experian and XXXX and they have not acknowledged my disputes. 

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

Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center.

7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :
Product: Debt collection

This company is reporting a debt on my account as a collection account, and I tried to get information in writing to make sure this is actually my debt because I never signed into any agreement with this company. In the letter it states charge off XXXX 2016. They also included different amounts {$1000.00}, {$860.00}, and they are reporting late fees on a charged off closed account. I have reached out asking for verification but only get The account is accurate. 
I have also reached out by phone to rectify and was told to call someone else. 
Company Midland funding LLC
Product: Credit reporting or other personal consumer reports

I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

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

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I initiated transfer with placid.net on XX/XX/2024. The transaction number is as mentioned by them. 

TRACKING # XXXX Since they provided the date of transfer of amount in XXXX account is XX/XX/2024, today it's XXXX XXXX and they are not picking up phone and even not responding to the emails that I sent. 

They cleared the funds from my XXXX  XXXX XXXX account immediately, but still funds are not cleared. Looks like they are using my dollars for these many days. 

Company of remittance : Placid Inc Contact page : https : //www.placid.net/inf-contacts.php website : https : //www.placid.net/
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a permanent security freeze on my TransUnion credit report circa XXXX after being the victim of identity theft. I have requested several times since XX/XX/XXXXto have this freeze permanently removed. To date, I am still unable to obtain credit reports through TransUnion because of what they have described as a " partial freeze '' each time, they have assured me it would be resolved and the freeze would be lifted, but to no avail.