23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMSHER COLLECTION SERVICES is reporting a {$9500.00} debt related to an account originally assigned by XXXX XXXX  on or around XX/XX/XXXX. The debt appears on my credit file through XXXX under account ending in XXXX. 

I disputed this debt with XXXX on XXXX separate occasions ( Confirmation # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX ). AMSHER responded by verifying the debt but failed to provide any of the documentation required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested and was not provided with : A copy of the original signed agreement proving I am responsible for this debt. 

An itemized accounting of how the {$9500.00} amount was calculated. 

A complete chain of title showing AMSHER legally owns or has been assigned this debt.

Proof that the debt is still legally enforceable ( not past the statute of limitations ).

Verification that AMSHER is licensed and authorized to collect debt in the state of Florida.

Despite these missing documents, AMSHER continues to report this debt, which is damaging my credit. This reporting is a negative action being taken without validation and in violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB require AMSHER to : Provide the requested documentation within 4 business days, or Immediately remove the account from my credit report across all bureaus and cease all collection activity.
Product: Mortgage

XX/XX/XXXX, I filed a complaint with the consumer financial protection agency. I explained that not only were we the victims of predatory lenders, we also the victims of Wells Fargos illegal and fraudulent practices. I made numerous payments using XXXX XXXX from the very beginning of our loan. Because of failure to actually report our XXXX XXXX quick payments, we were forced to request a loan modification that wasnt needed because we made the payments. Our XXXX XXXX dollar original loan, went to basically XXXX!??? Fast forward to XXXX, Again my wife made the payments via XXXX XXXX. I began receiving calls and notifications from Wells Fargo. They are saying that no payments have been made for 5 months and they are going to start the foreclosure process. I called and was told no payments were made of any kind, and the only thing we could do is to file bankruptcy. My wife was adamant that she made these payments. With an accredited mortgage company telling me the whole time, no my wife hasnt made any payments. Literally my only option was to file bankruptcy. After 18-19 years of dealing with Wells Fargo mortgage companys fraudulent activity and lies and downright theft, it is unacceptable. 
A company that was just fined a record amount of XXXX XXXX dollars, for accepting customers payments via XXXX XXXX, and not actually applying it to the actual mortgage. Thats what they did to me. Now my question for you is. Does Wells Fargo know that you can only get records from them until XXXX. The only other way is to submit a request to XXXX XXXX, and hope they will respond and help. They do not have to if they choose not to. So according to Wells Fargo without proof, theres nothing they can do. According to Wells Fargo, I never made any payments through XXXX XXXXXXXX the entire time, until we were forced again into an unnecessary bankruptcy illegally by Wells Fargo. According to the courts verification, and largest fine ever at XXXX XXXX dollars. 
You ask what I want. I want XXXX XXXX dollars. The fact Im filling a second complaint, this time with actual proof of the said transactions. That doesnt and will never cover the hurt and mistrust and accusations, blame, anger, my wife suffered in silence. Her first XXXX was in the way back from the bankruptcy lawyers office. The mental and emotional anguish she had to go through. 
Im now XXXX XXXX XXXX retired from the XXXX XXXX. I have limited income, and my wife is now fully XXXX. The XXXX XXXX will never change what she has been through and had to endure due to entirely from Wells Fargos illegal business process. The fact that Wells Fargo is still using deceitful means not only to me but its in your records. 
I dont see why this even needs to go any further. What would be the point? Im attaching the documents proving for a fact I have used XXXX XXXX services to wire money to Wells Fargo. 
Im not asking for much considering what we have been through Im our dealings with Wells Fargo
Product: Debt collection

Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX XXXX
Product: Mortgage

Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX Should not be on my credit report
Product: Debt collection

I spoke with XXXX on XX/XX/XXXX through the phone number provided ( XXXX ) on the debt collectors website ( XXXX XXXX XXXX ). I called after failed attempts to login and make an online payment. I entered the correct XXXX and Social Security number and received an error message that my account could not be found. The current balance owed on the letter I received In the mail is {$60.00} as of XX/XX/XXXX. However, she mentioned the balance was {$180.00}. I requested technical support to help me log in to see the rest of the amount owed but this was not provided. I asked to be mailed an itemized list of the balances owed since the mailed letter did not reflect the {$180.00} balance she mentioned. She said she could only send a {$0.00} balance confirmation in the mail once the amount had been paid. Despite her efforts to receive payment over the phone, I mentioned I would withhold payment until I was able to see all of the balances owed on my account.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I filed a complaint with Mercedes Benz because I had so many problems with my XXXX XXXX C Coupe. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXX to check on the complaint and I had to file all over again because Mercedes " Lost '' my complaint.

I deferred my payment to Mercedes, later they clain they couldn't find the deferment and penalized my credit 67 points.

Bottom line is that this car lease and car have been returned and satisfied to Mercedes Benz.

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit.

I want Mercedes to fix this issue and remove it from my credit. Everything has been paid.

I don't have they car Mercedes does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX
Product: Credit card

Kovo stated on credit report missing payment when account is set up on automatic payment for XXXX amount and didnt report such till 6 months later also had the months reporting different on each credit reporting agency different on XXXX XXXX was showing XXXX missing payment now its switched to XXXX and considered updated after inquiring with the company and requesting to close the account for incorrectly reporting and affecting my credit score significantly.
Product: Credit card

I submitted a claim to Citi Cards, disputing a charge because I never received a good I ordered and paid for using a Citi Credit Card. The vendor has not responded to my inquiries, and their website has disappeared, which is why a submitted a dispute claim to Citi Cards. 
Citi Cards investigated my claim and formed the opinion that the failure to receive the good was " customer responsibility. '' However, the order status on the XXXX online purchasing platform shows that the good ( which was ordered on XX/XX/2024 ) still has not shipped, meaning I can not be responsible for the failure to deliver the good. Citi Card 's " Dispute Letter '' seems to confirm that Citi did not actually have communications with the vendor, and therefore did not properly investigate my dispute claim. An attached document titled " Seller/Buyer Notes '' is supposed to provide the vendor 's response to Citi Card 's inquiry, but it is left blank.
Product: Checking or savings account

My debit card was stolen, my PIN was obtained, and {$1000.00} was stolen from my checking account via a Chase ATM. The bank sent me a fraud alert to which I incorrectly responded indicating the transactions were NOT fraud. I immediately sent a new response indicating it was fraud, and called to filed a fraud claim. I indicated that I had misread the text message and that it was in fact fraud on the call. I also sent a screen shot of the text message responses. A police report was filed and I indicated to the bank that I have a good idea as to who the individual might have been who stole the card/ money, but ca n't say for 100 % sure. Finally, there was a separate claim ( which was part of the same fraud ) involving a money order and my PIN which was approved as fraud. The bank denied the ATM claim stating that it was due to inconsistent information since I had indicated it was n't fraud with the initial response.
Product: Credit reporting

On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX XXXX XXXXXXXXXXXX there is also a Tax Lien that has been paid and is not showing Paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

Equifax provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. XXXX and XXXX did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be blocked ( A ). I will take legal action against you if you do not remove these items. Please follow the law so that this situation can be settled quickly 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase opened a checking and savings account without my permission and are now charging me {$12.00} per month for it even though I have no interest in the account. 

I have a credit card account with Chase and they keep sending me offers to open a checking account. I never clicked on any of these emails and yet they opened an account in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Accounts XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$350.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$190.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

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

I have written One main several letters asking for verification of this account and updated accurately. they still failed to update it correctly. All three reports continue to show different closing dates and different last payment dates. I have also informed the credit bureaus and they continue to fail to do a proper investigation.
Product: Credit reporting

THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.
Product: Debt collection

I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof.
Product: Mortgage

This is a general complaint and observation. XXXX XXXX XXXX # XXXX has conducted very shady business for quite sometime. Whether loan app dates, loan apps, XXXX  decisions, closing, tolerance cures, many of their practices are not compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The initially disputed Onemain charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with Onemain and XXXX. This charge-off being reported by Onemain was transferred and paid in full under my Onemain Financial account by another banking institution. The actual loan which is listed under the Onemain Financial account clearly shows this in my XXXX credit report. I have never paid so much as a penny on this charged-off Onemain duplicate account. XXXX does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple XXXX reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from XXXX  under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to XXXX for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
XXXX refuses to do an independent investigation where even a simple phone call to Onemain would confirm that I have never opened a note loan under the duplicated account listed as Onemain. Instead, XXXX continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with XXXX and Onemain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need XXXX to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to XXXX numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.
Product: Debt collection

I XXXX XXXX. Do not owe Midland funding any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
Product: Debt collection

First Credit XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX, XXXX XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Product: Checking or savings account

Citi bank closed my account out the blue after I got my tax refund! Before I got my refund I was using the bank just fine! Now they are saying they can't talk to me about my own money as if I don't have kids & bills! I want my money back! I should not have to wait 60 days to get my money back!!!!!!!!! That is not fair to me & my kids!
Product: Money transfer, virtual currency, or money service

Sending money to someone and was not ever prompted to ask if I was sending funds to someone I knew or in my contacts. My money was sent straightaway no warning prompt nothing!