23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Global Receivables Solutions is trying to collect a debt for XXXX XXXX 's that is current. XXXX XXXX 's has combined all three accounts into XXXX account, not at my request and I have been sending monthly payments to that account. I feel as if XXXX XXXX 's is trying to confuse me by sending me separate bills for each account and then XXXX bill that has all XXXX accounts combined. I send a payment to the the account that has all XXXX accounts every month so I am not sure how XXXX XXXX 's thinks I can and should make a payment to each account and another payment to the the account with the joint accounts and then Global Receivable Solutions wants me to send them payment for the same accounts. I have sent a letter to Global Receivable Solutions disputing one of the collections and now have received another collection notice for another one of these accounts and have recently received a third collection notice in my Daughters name who is a minor. I am asking for help so that this does not affect my credit or my minor daughters credit by being sent to collections. In my letter to Global Receivables Solutions I have asked for verification of debt and they refuse to send me any verification.
Product: Debt collection

ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years
Product: Mortgage

In XXXX I had a loan modification with wellsfargo I went to court in city hall they put the 2 years I was behind on the back of my mortgage in XXXX I was 3 months behind on my mortgage again i made all my trail payments for 3 month so wellsfargo went back to my loan modification from XXXX and told them I was XXXX back on my mortgage after I had already settled my XXXX issue I was only behind 3 months so fha.paid the money and put XXXX lean on my property and I discuss this back and forth for 2 years then they switch my mortgage to XXXX XXXX XXXX XXXX wellsfargo has me in over XXXX In debt and after they paid XXXX XXXX they still didn't remove the balance
Product: Credit card or prepaid card

I have the top tier American Express Delta Sky Miles Credit Card, for which I pay {$550.00} per year. Among the benefits advertised and contracted are free TSA precheck membership and discounted Clear membership. I recently enrolled for both and was not issued a refund/credit. I had the same problem last year and was told that it should be automatic when I enroll through the company/agency that issues the membership. I called customer service and was given a nonsense excuse for why it had not been credited. I have now called 3 times and gotten nowhere. I tried to dispute the charge for the Amex membership given that the contracted services were not provided, but I got transferred to another line that no one picked up.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDLENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, TRANSUNION AND XXXX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/year> AND ANOTHER ON XX/XX/year> THEN FINALLY ANOTHER ON XX/XX/year>. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX my cash app took XXXX $ off of my cash apl card account. I tried contacting them. I wasn't successful at all. 0
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

Westlake Services Inc opened an account in XX/XX/XXXX. The account status on my XXXX credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and Westlake Services Inc has failed to provide such evidence for more than XXXX days now. I demand to know what evidence XXXX has that allows them to lawfully report this account as a repossession. If XXXX or Westlake Services Inc can not provide the evidence, then they must delete the record of the reposession.
Product: Prepaid card

I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

More than 7 years ago I submitted police complaint documents and police report showing as a victim of identity theft to the American Express company, and they continued to charge me, they filed a lawsuit with the court and never validated the information submitted on that occasion. Now in this past month they froze my bank account for an amount of {$4200.00} money that I have in the bank of my children who give them to me monthly to collect their money to buy their house. This is something unfair and an outrage against people who are victims of fraud and open accounts in our name and then banks issue cards to anyone without verifying their identity, I need your help urgently because this bank is violating my rights after more than 7 years without knowing about them appear now to freeze the money that is in the bank of my children who are also with me in the account Bank. Unfortunately I do not have the documents I sent you back then since so many years have passed since it has been so many years of disputes over identity theft which opened not only that account, but about 4 more thankfully verified everything that was indeed identity theft except American Express. Never in my life had account with that bank, please help me I am very desperate with this situation even the number of DOCKET is XXXX XXXX XXXX XXXX WITH A MARSHAL called XXXX XXXX, with phone XXXX and email : XXXX I have difficulty communicating because I do not speak XXXX and I currently use XXXX translate to write to you to intercede with this harassment of the bank that does not belong to me.
Product: Debt collection

ECSI called me in XXXX as they must have bought debt from XX/XX/XXXXand threatened saying if I did not pay this debt that they would sue me and ruin my credit. 

ECSI reported my debt as being on a payment plan and even reported that I had made several payments this year which is false. 

I disputed this with all 3 credit bureaus after investigation ECSI has now reported the debt to be deferred and that I begin payments in XX/XX/XXXX which is another lie. 

ECSI is ruining my credit and reaging a XXXX year old debt by lying and threatening and ruining my XXXXredit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo charged me {$0.00} as a transaction fee for a peer-to-peer transaction ( my friend sending me {$20.00} for lunch ) accusing me of being a seller. I do not sell lunch, was my friend paying me back and should have been no fee. Chatted with venmo support but they would not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax, XXXX and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.
Product: Credit reporting

Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. 

Now duplicate reporting with collection agency showing Open Credit on C/R
Product: Credit card or prepaid card

I have a " Uber '' branded Barclays Credit Card. This card have a {$50.00} annual credit for subscription services such as XXXX XXXX, XXXX, XXXX. Their rewards center shows I reached my {$5000.00} threshold and on XX/XX/XXXX a {$12.00} XXXX charge was charged to my account. Their site says it may take up to 5 days for the credit to show up. As of XX/XX/XXXX the credit has still not shown up. I reported the issue on XX/XX/XXXX via their email portal, and followed up XX/XX/XXXX and XX/XX/XXXX via online chat but the issue has still not been resolved. They confirmed in the XX/XX/XXXX chat that I am owed the credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX Credit Report. 
My Address : XXXX XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 
Please a have XXXX remove all other address 's on my credit report. 

Secondly, my Employment needs to be updated as well to : XXXX XXXX XXXX, as of XX/XX/year>2024. 
Please delete all of other employment information. 

I provided a copy of my paystub from where I work at my current address and work company and it shows my correct name I would like to use my name as XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone stole my identity and open up a line of credit with DISCOVER FINANCIAL SERVICES. Discover is giving me a hard time with this account I've been trying to get this removed for almost 4 years now and it is a effecting me very bad.
Product: Mortgage

Lender fi is the mortgage company I refinanced around XX/XX/2020 with P pay Lenderfi.com with mortgsage PITI+ Escrow to take care for Insurance and Property Taxes. 

Both Insurance and Property Tax are due by XX/XX/2020, Unfortunately, They did not pay both on time, I paid Insurance after getting notifications from the Insurance agency on revoking insurance, I reached out to LenderFi to remove Escrow and have myself handle the Insurance and tax, this was in XX/XX/XXXX week, They asked for all the documentation and signature and in the meantime they were collecting Escrow every month. I received a property tax non-payment notice from the county since the escrow removal process was started with I went ahead and paid the taxes and XXXX county did not force any penalty or interest from my own bank account. While I was waiting for escrow removal. 

In the XXXX week of XXXX, I recieve a letter that Escrow removal is not possible due to not having a long history and they never even ackoweldged thier mistake to refund the money I paid out of my pocket while they collect these everymonth from me. The service has been slow and non-responsive except for we are looking into it mails
Product: Credit reporting or other personal consumer reports

To whom it may concern! 
On XX/XX/year> I was involved in a XXXX XXXX XXXX where I was XXXX at XXXX XXXX XXXX in XXXX for XXXX XXXX and other things. On XX/XX/year> I was released to the custody of the local sheriff dept for 40 day 's until i could make proper bond and get released so I can get caught up with all my standing accounts. When i che k whit one of my financial institution they had already put my account in a NEGATIVE INTEREST!!

I would like to pay out my account with this credit institution and recover my good credit history. Please help me with this process.
Product: Debt collection

I am the XXXX XXXX individual and I received a voicemail for an employee that no longer works for this company. 

The voicemail stated that they are XXXX XXXX " mailing legal documents '' regarding " employee 's name '' then referred to the employee as " she '' when they are a male. They then stated to call XXXX with a specific reference # for additional information. 

I XXXX  this phone number and dozens of complaints are listed with identical stories, people are being told that they will be served with legal documents and to call for more information. This company comes up as Midland Credit Management.
Product: Payday loan, title loan, personal loan, or advance loan

I am paying XXXX for a XXXX loan
Product: Debt collection

In XX/XX/2020 I.C. SYSTEM, INC reported a debt of {$790.00} dollars for XXXX XXXX XXXX  XXXX XXXX on my credit report. First, I was unaware this account even existed, I never received any documents or letters about this account. I have lived at the same residence for 5 years now and the gas is NOT in my name. The reporting also violates the CARES Credit reporting Act along with the Utility Consumer Protections During California COVID-19 Outbreak.
Product: Debt collection

In accordance with the Fair Credit Reporting act the collection agency below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act has violated my rights. 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. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days.

Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C.

552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed by mail, phone, and online the inaccurate bankruptcy information on my credit report. I was advised the bankruptcy would be deleted however, it remains listed on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Transunion responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/XXXX & XX/XX/XXXX. They updated XX/XX/XXXXand left XX/XX/XXXX as still showing late. This is an error in their end.
Product: Debt collection

I want to complain Santander Consumer USA -The first thing I want let you know, The reason I miss the payment, because I think I did set up auto payment, that why I dont know about the late payment, I did not see any bank statements send to me, the last time I see on XXXX and I did make {$2000.00}. After that I did not see any mail, but you said you did send the bill, please give me all the mail tracking number, all the letter you send to me, - The second is you told me Our vendor, XXXX XXXX XXXX, hired a repossession agency on our behalf to locate and proceed with securing the vehicle. Remember, I sign the contract for the loan with Santander Consumer USA not XXXX XXXX XXXX I dont know them, and I did not sign any contact with them, and I dont own anything from them how can they can hiring company repo my car!!!! That is not right!!!! 
- the third is : you told me contact the repo company. Remember, I did not hiring them, they dont know me too, you should be contact them and give me all the company repo license, I just want to make sure who are they, because I dont know who take my car, did call police and report about lost my car. 
- Four is : I did see the loan contract you send to me, the Gross Trade-In Allowance on XXXX car is not correct, amount is XXXX not XXXX, please check it, and send me all the information about the XXXXXXXX XXXX XXXX I did trade in at dealer. Because the amount trade in not correct, that mean the loan not correct, the interest not correct, everything not correct. 
Under Fair Credit Reporting Act, I believe every thing not fair to me, you have 10 day to give me the all information I need and I will continue to go to lawyers to protect my self.