23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX
Product: Checking or savings account

I was discriminated against at M & T bank, the manager denied me of withdrawing my funds for no apparent reasons. He told me he won't pay me this is above his pay grade. He froze my account and blocked my debit card. I told him the wire came from my other account and I can show him all the details along with my online account. He said he doesn't want to see anything and he threatened to call the cops on me.

At this point I have things to do financially, everything is on hold for me. I have called the call center and various M & T branches to have it resolve, no one seems to help. I also left numerous messages for him to call him, up to now no call back.

The manager name is XXXX. I have also attached my verification letter from my other bank account where the funds were original wired from. 

address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several letters ( some certified ) requested an update of personal information and disputed several inaccuraties. I know that some information was updated. My phone number was updated so I know the letter was received because I just changed my phone nemeber when I moved to XXXX XXXX. Before the move I had a phone number for 20 years. Some of the addres are inaccurate and some of the addresses are not mine. I have attached letters and certified receipts as evidence.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

The calls were from XXXX. The name I was given was XXXX XXXX. They were starting they working with the XXXX district attorneys office and have issued subpoenas and have warrants for my arrest for a unpaid debt for toll roads. I did get suckered into paying over {$400.00} dollars to XXXX that I will have to dispute with my bank. They were extremely aggressive and were pretending to be part of the XXXX Police department as well. I was finally able to get in touch with one of the XXXX detectives and he was able to run my background ( found nothing ) and then attempted to contact these scammers and they would not talk to him and started to hide and not answer their calls or mine. They did have a lot of information about me but they had all my old info from prior to my move.
Product: Student loan

I want to pay more than the minimum monthly payment on my loans with interest, but there is no way to do that. The only option on the THECB loan repayment website ( XXXX ) is a lump sum payment that the organization then separates among the loans at their discretion. To change the automatic disbursement among multiple loans, a payment must be made and then a phone call must be placed to them during their business hours, and a request must be submitted to change the payment. The process is too long and difficult, and they have only successfully completed this request one or twice out of multiple attempts. It is in their benefit for my extra payment to be placed on my no-interest loans instead of my loans with interest, and I believe this scheme to be intentionally so. It is too difficult for an average consumer to pay down the high-interest student loans. There should be a less cumbersome method for choosing how to allocate payments among multiple loans.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 I submitted a dispute with Equifax about the Account XXXX XXXX XXXX with a FTC report fraud report. The account came back Verified. I asked Equifax for description of investigation under section 15 USC 1681 ( 7 ) of the FTC. Never received.
Product: Credit card or prepaid card

I have a Capital One Venture X card. My rolling cycle starts XXXX of every month. I am enrolled in the autopayment program on the XXXX of each month. 

In XX/XX/2023, I decided to pay the balance ( {$12000.00} ), that would be due on XX/XX/XXXX, a bit early on XX/XX/XXXX since my balance was high due to some big purchases ( heard somewhere carrying a high balance was not good for my credit rating ). 

I did not do anything about the autopay option since I assumed I would be billed {$0.00}. 

However, on XX/XX/XXXX, CapitalOne extracted {$4900.00} from my checking account which is a balance of transactions between XX/XX/XXXX and XX/XX/XXXX. Normally, this would be among the balance that would be due XX/XX/XXXX. 

I am outraged that a credit company would extract money out of me before it's due. Capital one states it's in their policy, but there is a big flaw in that the description of " statement balance '' does not define it leads to prepaying. They are penalizing consumers for paying early, thus loss in interests. I have not experienced this in other credit card companies I have used. 

Thank you for your consideration. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

According to my credit card issuer, " With Chase 's Zero Liability Protection you wont be held responsible for unauthorized charges made with your card or account information. '' I noticed unauthorized charges on my credit card while XXXX  on a family vacation in XXXX this summer : Post Date Merchant Name XXXX  Amount XX/XX/2022 XXXX XXXX XXXX {$4200.00} XX/XX/2022 XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from whom we had a prepaid rental car. This car was paid in full with a different credit card, a transaction that took place on XX/XX/2022 via XXXX. 
I did not authorize these additional charges with this vendor. 
I did not sign the credit card receipts. 
I was not aware the vendor would be making these charges on my credit card. 
I notified Chase of these suspicious charges via the online messaging service as soon as I noticed them listed in the recent billing activity of my online statement. 
I spoke with the merchant at XXXX XXXX XXXX in person and demanded the charges be returned as they were not authorized. 
He did not. 
I then formerly disputed the charges with Chase, after the merchant refused to refund them, and spent, in the end, months dealing with them trying to get them refunded. 
And, yet, I am still being held responsible for these charges when I did not authorize them. In the dispute, the vendor submitted altered documents that I did not sign, nor ever see. He forged my signature on credit card receipts. 
I've had this Chase Visa credit card for decades and have never had a late payment.

I have an excellent credit score.

I have never filed a credit card dispute in the past, as I'm lucky to have never been a victim of fraud before, that I'm aware of. 
In turn, I do not feel supported by my credit card company and don't understand why, nor can I accept that, I am being held responsible for these 2 unauthorized charges. They claim this was not a billing error and these are valid charges made by a merchant who, upon online investigation, has a history of doing this and is a scam XXXX. Chase Cardmember Services wrote in their last letter to me they " will not respond to future correspondence [ from me ] about it. '' I would like these two charges refunded as these fraudulent transactions are not valid. 
And I would like everyone to know to NEVER do business with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Product: Debt collection

XXXX continually contacted me for about two years regarding an unpaid bill. However, each time I asked for an itemization of what the bill was for, they could not provide it to me. They stopped contacting me for a while, then the collection account showed up on my credit reports. I disputed the collection with the credit bureaus and had it removed. About a year later, XXXX XXXX XXXX contacted me on XX/XX/XXXX saying I owe XXXX. I sent them a letter requesting additional information under the FDCPA on XX/XX/XXXX. I never heard anything else from XXXX XXXX XXXX On XX/XX/XXXX I received a letter from Afni , Inc. attempting to collect the same debt. I am now preparing to send them the same letter regarding a request for information under the FDCPA. Can this collection account just keep getting transferred when the company can't provide me with any details and this will permanently be an endless cycle?
Product: Debt collection

On XX/XX/year>, I disputed a debt reported by P & B Capital Group through XXXX XXXX, which was listed on my credit report by XXXX. Prior to this dispute, I had not received any communication from P & B Capital Group or XXXX XXXX XXXX regarding this debt. On XX/XX/XXXX and XX/XX/year>, P & B Capital Group sent emails requesting payment without providing the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ). These emails did not include essential information such as my rights to dispute the debt, request validation, or obtain the name and address of the original creditor, violating FDCPA requirements. 

The original creditor for this debt was XXXX, not P & B Capital Group. P & B Capital Group initially listed themselves as the original creditor, which is incorrect and misleading. This misrepresentation further violates the Fair Debt Collection Practices Act. 

I sent my first formal dispute letter to P & B Capital Group on XX/XX/year>, outlining the violations and requesting proper validation of the debt. On XX/XX/year>, I received a response from P & B Capital Group, which again failed to provide adequate documentation or satisfy the legal requirements for debt validation. Consequently, I sent a second letter on XX/XX/year>, reiterating the need for proper validation and informing them of my intent to pursue legal action if the matter was not resolved. 

Additionally, on XX/XX/year>, I sent a dispute letter to XXXX via certified mail, detailing the inaccuracies and the lack of proper verification from P & B Capital Group. Despite this, on XX/XX/year>, XXXX validated the debt again, even though P & B Capital Group had not provided the necessary documentation to substantiate their claims. P & B Capital Group initially listed themselves as the original creditor, which is incorrect, as they were not the original creditor. Moreover, P & B Capital Group placed this debt on my credit report without ever contacting me beforehand. This continued validation without proper investigation or notification constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I seek the Consumer Financial Protection Bureaus assistance in addressing these violations and ensuring compliance with the law.
Product: Debt collection

Theyve pulled my credit file placing a hard inquiry on my report numerous times lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account : XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their " Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness.
Product: Debt collection

Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing XXXX XXXX XXXX. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On XX/XX/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on XX/XX/2021 to XXXX XXXX XXXX XXXX, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid off a home equity line with Fulton Bank on XX/XX/XXXX. They still have not reported it to the credit bureaus. I have met with a manager at a branch and she is doing everything she can. I have sent Fulton Bank a email thru thier system to please report the payoff and account is closed and I have talked to thier customer service number, who also sent the request ahead to the loan department. It is now over 30 days and my XXXX  account still does not show it paid off. I have another loan with a variable rate I am looking to change to fixed asap and a really good 0 % consolidation to apply for, but can't because the Fulton Bank loan still shows not paid with a XXXX balance. As soon as that shows paid, my credit score will significantly improve and it also will show much less debt owed where my approval amounts and assurances will be much better. I feel urgency to get this done asap where interest rates keep going up frequently.
Product: Debt collection

After a detailed examination of my recent credit report, I noticed various accounts that I believe are incorrect and were added without my awareness.
Product: Debt collection

Has called my cell phone several times XX/XX/20, XX/XX/20, XX/XX/20. Left several messages stating they were contacting me from the processing dept and they received an order and will actively pursue my place of residence or employment to serve me papers. 

They also called my ex husband on his cell phone on Monday XX/XX/XXXX and left the same message. 

On XX/XX/20 suspecting scam/fraud I called the number left on the voice mail at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with a female who provided the name of " XXXX. '' She providing me with all of my PII ( all correct unfortunately ) stating I have an unpaid debt from Ace Cash Express in the amount of over {$900.00}. She suggested I pay the " discounted '' rate of over {$500.00} to avoid the following- Says a Process Server or Courier is coming with papers to sign Threatened to go to my place of employment Insists I have been notified via several mailed letters to my current address Refuses to give a company name or verifiable Contact source Refuses to send proof of debt via US mail Repose of my car ( stated accurate and current vehicle info ) Can have my accounts/ funds frozen I have never opened up an account/loan to Ace Cash. I obtained my credit report and there is not any recent incorrect activity and nothing listed for Ace Cash. 
I tried calling back several times to speak with someone in regards to incorrect info and was hung up on each time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  / XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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.