23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began to look into and work on my credit in between XXXX. I never utilized my credit for anything up until a few inquiries in XXXX, and also obtaining my first credit card with XXXX in XXXX looking into my credit report in XXXX, I noticed XXXX collections on my report dating back to XXXX that doesnt belong to me. XXXX I looked into being an auto loan. As the other is a credit card debt. With XXXX more accounts recently appearing on my credit report. Looked into XXXX being a XXXX bill, while the other is an internet bill. As is this very complaint. Stating that this account was opened mid XXXX. Without being fully educated, I was told to simply dispute these. Ive done so to no avail. Ive received emails, texts and message pop ups for years notifying me that my personal information, data and/or passwords had been exposed. Upon seeing these notifications, I merely thought they were just scam pop up messages.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED VIOLATIONS UNDER THE 15 US CODE 1681 AND 15 US CODE 1681B ( FCRA ) the following accounts don't belong to me please investigate these accounts 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 THE LAW CLEARLY STATES THE FOLLOWING 15 USC 1681B ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer who relates meaning that if you do not have or have gotten any written instructions this information should not be furnished secondly according to USC 1681 the law clearly states 1 accuracy and fairness credit reporting 2 reasonable producers
Product: Debt collection

I have NO idea who these conniving derelicts are at microbuilt, 1st most obvious, I do not owe any scumbag slumlord money, I lost in XXXX, ca court room by a corrupt biased XXXX judge, this slumlord had 12 active code violations when he got a manipulator and filed a retaliatory eviction, 4 years later this scumbag hired these derelicts to harass and scam my bank account? These conniving derelicts never had my permission for any intrusive inquiry into my credit file, really enraging is how idiotic XXXX  is with this cryptic con game, NOW XXXX  has put me on long wait times and idiotic phone games
Product: Debt collection

I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with XXXX. '' They turned it over to XXXX XXXX XXXX in XXXXXXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!
Product: Student loan

I have been subjected to high feed/rates since inception with XXXX ( now known as Navient ). I have also been declined all and/Or options to lower rate based on financial circumstances. I was also illegally reported late to credit agencies even though I was opted in their repayment program which was higher than fixed amount b
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on the account with XXXX, account # XXXX. I was never late for these payments, and Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called XXXX. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.
Product: Mortgage

Problem 1 : As of XX/XX/XXXX I had an escrow balance of {$8300.00}. 
After that, I made my normal XXXX mortgage payment which included another {$1400.00} of escrow. 
My total escrow amount should be {$8300.00} + {$1400.00} = {$9700.00} Currently, my current escrow account shows only {$8000.00}. There is a difference of XXXX. 
As of today, Freedom mortgage did not make any escrow payment to anyone that could explain the discrepancy., I contacted Freedom Mortgage on XX/XX/XXXX by there secured email. I still have not receive an answer or an acknowledgement of my inquiry. 

Problem 2 : I have just recently refinanced with another mortgage company effective XX/XX/XXXX. XXXX XXXX taxes are due by XX/XX/XXXX. Freedom Mortgage has not made a payment to XXXX XXXX and is not responding to my request to refund me the unpaid escrow balance. 


Thanks
Product: Debt collection

Subject : Refusal to Pay and Cease and Desist Notice Dear CARTER -YOUNG Inc .

This letter is in response to your attempts to collect an alleged debt in the amount of [ {$330.00} ]. After careful review, I hereby dispute the validity of this debt and refuse to pay it.

Reasons for Refusal The debt does not belong to me.

The statute of limitations for collecting this debt has expired.

The amount claimed is incorrect.

The debt has already been paid.

Did you purchase my personal information.

Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately cease all communication with me regarding this matter. This includes phone calls, emails, letters, or any other forms of contact.

Failure to comply with this request may result in me filing a formal complaint with the Federal Trade Commission ( FTC ) and the [ insert your states Attorney Generals Office ]. I also reserve the right to pursue legal action if your harassment continues. 

No Admission of Liability This letter is not an acknowledgment of liability for the debt in question. Any further attempts to collect this disputed debt will be considered a violation of my rights under applicable laws. 

Next Steps If you believe this debt is valid, please provide written verification of the debt, including all supporting documentation, within [ insert reasonable timeframe, e.g., 30 days ] as required by law. 

Reservation of Rights I reserve all rights under the law and do not waive any defenses or claims I may have by sending this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!
Product: Credit reporting or other personal consumer reports

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per XXXX XXXX XXXX, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Money transfers

I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing to formally dispute the inaccurate late payment information reported on my XXXX account ( Account XXXX : XXXX ) in my credit report. After thoroughly reviewing the report, I have identified multiple discrepancies regarding the payment history, which appear to be inconsistent and inaccurate across different reporting dates. 

The discrepancies I have noticed are as follows : Date Last Payment : The dates listed across bureaus ( XX/XX/XXXX and XX/XX/XXXX ) do not match, leading to potential inaccuracies in payment status and account reporting. 
Payment Status and Account Balance : The account status is shown as Paid, indicating that the balance has been cleared, yet it continues to reflect a 120-day late payment history inaccurately. 
Last Reported Date : Various last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) create inconsistencies, further emphasizing that the account data XXXX be inaccurately represented. 

These discrepancies are not only confusing but may have a negative impact on my credit score and financial profile. I kindly request that you review the account information with XXXX to verify the payment status and delete any inaccurate or inconsistent late payment details from my credit report. 

Please update my records to reflect an accurate status for this account. I would appreciate it if you could complete this review and inform me of your findings within 30 days, as required under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. Should you require any additional information or documentation to facilitate this process, feel free to contact me using the details provided above.
Product: Mortgage

My mortgage company gave information about my personal loan and my issues to a referred person by me My privacy was violated and threat was made to my referral person, from my mortgage company my lender called the person I referred to them He said I was getting a loan and I decided not to go with the loan, he bad mouth me and he told the person several time that he will destroy my credit, he said give that message to her from me, He was very rude and nasty the entire time while he was talking to me about the loan and at the end he belittle me when I asked about mobile attorney! He told his assistant, she should find me an attorney that has an office and make sure he has tie and suit on! 
After I decided not to take his verbal abuse, he called the person I refer to them and told her about my business and made a threat
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies XXXX, Equifax, and XXXX should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this
Product: Credit card or prepaid card

XX/XX/2021 I was charged {$800.00} from a company calledXX/XX/XXXX, for a service That was never delivered I contacted the Company and they statedXX/XX/XXXX me, I told them I paid for the service please deliver it, after many days that I waited I realized I got scam and my credit and personal information had been compromise I reached out to Capital One, and explained the situation just to get a letter.
Product: Prepaid card

This is my second filing on the same issue. American Express issued a check for the {$100.00} e-giftcard, but not the {$25.00} e-giftcard. 

Hello, I received two American Express e-giftcards from a company. One for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my two unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at U.S. merchants that accept American Express Cards '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. I am happy to submit the relevant card information and balance if needed. Thank you for your help
Product: Mortgage

Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.
Product: Credit reporting or other personal consumer reports

I mailed letters to Equifax in XXXX, XXXX and XXXX to dispute incorrect information reported to my bank. I was denied a loan in XXXX based upon incorrect information reported to this lender from my Equifax credit report. 

I've included with my letters mailed two copies of my driver 's license and a copy of my electrical bill to confirm my identity to Equifax. I have been told repeatedly by phone my letters haven't been received. 

I have copies of receipts for my letters mailed from the U.S. Post office. The Equifax customer service reps tell me they haven't received any correspondence from me since XXXX. 

Second issue is access to my credit reports via free Equifax online account. I can log into my account but can't view any previous or current credit reports. Since XX/XX/XXXX this has been an ongoing issue. 

When I ask for IT technical support, I'm told repeatedly this issue has been escalated. But I can never speak with their IT technical support team, told by the Equifax employees that the IT tech department doesn't take customer calls. 

I've called many times, and my concerns aren't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late )  XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( Equifax ) UNKNOWN - Opened XXXX ( Equifax )
Product: Debt collection

Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this
Product: Mortgage

My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX AR XXXX and XXXX and Experian since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original CreditoXXXX and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and Experian. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXXXXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, XXXX, and Experian for their negligence.
Product: Credit card or prepaid card

I have been trying for months to receive a statement from the company. I've called and I've emailed, but still no statement. My last statement was in XXXX of XXXX and we're now going in XXXX of XXXX. I recently receive a letter stating enclosed was my statement, but no statement was included in the envelope. Basically I'm paying blindly with no information whatsoever. I need to be able to see my statements, either online or have them mailed to me. I was told that the statement would be available for XXXX and when I just checked, again the site is only showing my last statement which is again XX/XX/XXXX.
Product: Debt collection

Hello, i have been trying to communicate with these 2 collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are 6 years old, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?