23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XX/XX/XXXXXXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on XXXX and Experian twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX  that need to be updated or removed from XXXX and Experian. They need to updated the account as current or just remove it since it's from XXXX. They also sent me to collections with US Department of EDXXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my Experian report called US Department of EDXXXX and that needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my Experian and XXXX Report the exact same thing is happening however on Experian and XXXX there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For Experian neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on Experian and XXXX they tell me everything is correct now. However on Experian there are two accounts that have the student loan company put two collection accounts on my Experian report which needs to be update to current or just deleted all together its called US Department of EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting to my Experian report fraudulently. I have disputed a collection debt in the amount of {$460.00} and have not received any valid information for this debt. Since I last disputed in early XX/XX/2019, they have been reporting to my bureau report twice a month on the XXXX and the XXXX of each month every since. I feel that this is harrassment on their part especially since they are reporting this collection with a past due amount of {$460.00} which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Equity Sales is stating I 30 days late which I have not been since XXXX and they just reported it in XXXX. XXXX has inaccurate address on my profile I told them I never lived on XXXX XXXX but it's still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both Experian and XXXX has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off XXXX months that I missed it was not clear to me that XXXX months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.
Product: Checking or savings account

XXXX transfer {$300.00} CONFIRMATION # XXXX received transfer {$300.00} REF # XXXX proof attached monies in account then after notification account on hold acct frozen and {$300.00} doesn't show under bank transaction activity but does under XXXX activity but even though show {$300.00} in transaction listing no - {$300.00} the frozen acct is showing overdrawn {$300.00} just disappeared. They won't pull up the account anymore so gave sender information & never got {$300.00} back from frozen acct even though they show overdraw as proud. This is $ $ sent due to customer 's mother passing and need fulpay for death certificates thus the transfer to frozen acct b4 they put hold on acct. This {$300.00} is not back in the account and $ $ is needed for funeral home. I made several calls, names, tickets and some proofs attachedd
Product: Credit reporting, credit repair services, or other personal consumer reports

This is m y 2nd atte mpt to get this rectified with your organization in regards to thes e 2  accounts reporting on my credit file. I am making complaints against Equifax,    XXXX    and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these  2 a ccounts are on my credit file and where they originated from . I co ntinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that.  Congress  states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company  at 3 s eparate addresses because the address listed on my credit file is not valid and was returned. I have only received  1  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mai l ( e ach time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on  XXXX  and  equifax.com th at the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
Product: Prepaid card

Back on XXXX someone took about XXXX dollars in my bank of america prepaid account. I am a victim of identity theft and was impacted the hardest in XXXX and was pysically and mentally impacted. It has caused me to be homless and a hardship with my babies as a single father. I filed the XXXX claims with bank of america XXXX XXXX of em in XXXX and XXXX in XXXX. Ive been going through this for XXXX  years .claim numbers are XXXX i gave them everything they needed to prove i didnt authorize anyone to do this to me.i took the steps to get this right and they kept denying me! I was telling them to check cameras.i never gave someone authorization to use my social. I was begging them at a point before i got evicted. In XX/XX/XXXX my mother had paid rent and deposit for me and my babies due to my gunshot wound incident that happened in XXXX due to a robbery wrong, And i feel like if i can get this handled i can catch this evition notice to. I dont wan na be homless with my babies anymore thats why this has been a priority I provided MY- FTC IDENTITY THEFT REPORT -POLICE REPORT -FINANCIAL HARSHIP STATING HOMLESS -MORE DOCUMENTS
Product: Debt collection

Hello, Original Creditor Name XXXX XXXX XXXX XXXX ; ( CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ) Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX made me sign I contract for employment they said i would make enough money to pay my bills however i did not I tried to complete my contract but was only make {$600.00} a week when i told them I wasnt going to be able to continue my employment they charged me with {$2000.00} on my credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Report Act, which requires that inaccurate accounts be reported on credit reports, I am disputing and looking into these incorrect accounts on my credit file. I should receive {$1000.00} for each error.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED XXXX is reporting the account negatively even-though the payments are being made on time. 
XXXX failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you
Product: Debt collection

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with Regions Bank . Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft from my information being exposed in multiple data breaches. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : REGIONS BANK- Account # XXXX ; {$5900.00} REGIONS BABK-Account # XXXX ; {$1300.00} To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Police Report** : Filed with XXXX Police Department , providing further evidence of the identity theft incident. 3. **Proof of Identity** : Including a copy of my passport and social security card. Despite my efforts to resolve these issues directly with Regions Bank and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information 1. Additionally, Section 623 ( a ) states that furnishers of information ( like lenders ) must not report information identified as resulting from identity theft unless they know or are informed by the consumer that the information is correct 1. If an account has been charged off and is fraudulent, it should be removed from your credit report once i provided the necessary documentation, such as an FTC Identity Theft Report and or a police report. I appreciate your immediate attention to this matter and request written confirmation once the corrections have been made. Thank you for your prompt cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
XXXX  credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called XXXX and they told me XXXX had to take care of the situation, so back and forth we went. XXXX said they would credit one months interest back as I refused to accept their version. XXXX eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.
Product: Debt collection

Transworld systems has called my mother number repeatedly and more than 2 times in one day. I have repeatedly said to not contact my mothers phone NOMORE. We are in the midst of a global pandemic that is affecting millions, and they call asking about money. not only is that rude but its against the law in this current situation
Product: Credit card or prepaid card

I had my credit card in my pocket while it was raining and it fell out. I then saw fraudulent transactions that were made on my lost credit card.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, associated with XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor of this account.

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am also aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,