23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've recently got divorced and in our divorce agreement my ex-husband was responsible for our credit card that he maxed out when he left. I have repeatedly told the Suntrust collection that he is responsible and gave them his number I can see on my credit where he has been paying it on time every month up till this XXXX and now the collection calls me 4-8 times a day after I have explain the situation gave them his number and have told them do not call me again over this matter.
Product: Mortgage

On XX/XX/XXXX, XXXX mortgage payments came out of my account instead of XXXX. Our billing account went negative as a result. I immediately reached out to Key Bank Mortgage customer service to have the second payment reversed. My family and I are on a strict budget and we can not afford to make an extra payment. The customer service rep put in a request for a reversal of the duplicate payment. She assured me that the request was processing and would be resolved in 2 days at the fastest. Meanwhile I accrue an overdraft charge on the XXXX and XXXX of XXXX. Growing concerned and anxious by the day, I check the mortgage and it looks like the duplicate payment, instead of being reversed, was applied as a partial payment. I reached out to a mortgage rep again only to find out my request for the return of the double payment had been rejected. I received no notice and no update that this had occurred. I had the agent put in ANOTHER request to return the double payment. In the mean time, my bills are in jeopardy and I keep accruing overdraft charges. I can't understand why I have to jump through that many hoops to get an obvious double payment back. I would like my fund returned immediately per request and the process should be simple for all consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$480.00}
Product: Debt collection

They continue to harass me with automated calls despite having told them they have reached the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on My Credit Report Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX 
Despite multiple requests for correction, including disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Current Creditor Remarks : Closed Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 15 Month ( s ) Past Due Amount : {$0.00} Account Type : Unsecured Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXXXX/XX/XXXX : XXXX late ( inaccurately reported ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - XXXX History : TransUnion : 30 Days Late : XXXX ( XX/XX/XXXX ) XXXX : None Reported XXXX : None Reported Violations : FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant regulatory agencies. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on your corrective actions. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was a victim of the XXXX data breach - delete this account immediately Collection : {$310.00} Opened Account status Type Responsibility Remarks Original creditor name XXXX XXXX XXXX ( XXXX mos ) Open Individual Consumer disputes this account information XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX submitted my information to XXXX XXXX XXXX for not paying for homeowners insurance coverage. XXXX never insured my home for the duration that I have owned it. XXXX  alleged they covered the home from XX/XX/XXXX to XX/XX/XXXX. I was not the homeowner. I purchased the home onXX/XX/XXXX I provided XXXX XXXX XXXX with documents showing I closed on my home XX/XX/XXXX. XXXX XXXX  is committing fraud. I can not legally insure a home that is owned by someone else. XXXX is requesting that I prove I did not live there during the month they are claiming they insured it. Home owner 's insurance can only be secured by the owner. My credit score has dropped because they falsely reported me to the credit bureau. I contacted XXXX for a quote with the anticipation of closing on XX/XX/XXXX. We did not close until XX/XX/XXXX, at which I went with another insurance company. I could not file a claim with XXXX XXXX on a house owned by someone else. If the house would have burned down, I would not have been able to file a claim.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A collection from National Credit Adjusters remains on my credit reports. This alleged debt was recently removed when it was owned by XXXX XXXX. All of a sudden now National Credit Adjusters has purchased it for pennies on the dollar and is now trying to use me to turn a profit. It has be OVER 30 DAYS since they were supposed to validate. They can't validate it because I DON'T OWE ANYTHING!!!! I just went through the same thing with XXXX XXXX before this horrible company bought the debt.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX after I acquired a credit report for XXXX XXXX, I request all documentation pertaining to this account along with the contract signed by myself that initiated the dispute. Weeks later I received a response, but not documents pertaining to me. I requested no further contact and filed dispute with Experian consumer credit reporting company, I later checked and found a collection on my account which I disputed again but had no affect. The account was settled and closed and sold after the fact, I reported this to Experian and XXXX XXXX XXXX but received no response.
Product: Debt collection

Someone used my information without my knowledge to obtain a signature loan with XXXX XXXX XXXX XXXX XXXX. I have spoken with representatives from XXXX, and have been told there is a bank account and phone number that is not mine attached to the account, and that the account was accessed and payed from out of state. I was told XXXX would be investigating the matter and that they would be in contact with me. XXXX did nothing but continue their attempts to collect the debt and report false information to the credit bureaus. I have sent a letter, supporting documents, and a copy of the FTC Identity theft report to XXXX. Instead of resolving the issue, they have hired a debt collection agency, Debtsy. Debtsy continues attempts to collect a fraudulent debt and send false information to the credit bureaus. I have contacted Debtsy and sent them the FTC report, however they claim the debt is valid. I have never signed anything with XXXX, I have never entered a branch of XXXX, and I have never visited a website belonging too or affiliated with XXXX.
Product: Credit reporting or other personal consumer reports

Currently, on phone w XXXX as I file dispute.. name XXXX .. requesting on XX/XX/year> at XXXX requesting to remove XXXX account as it was paid off in Car auctions and remove all hard and soft inquiries... .electronally remove due fraud unauthorized consent and inappropriate inaccuracy credit reporting over the last XXXX! ( SHE STATES THEIR ARE ONLY PROMOTIONAL PURPOSE ) HER SOLUTION WAS TO PLACE A PROMOTIONAL BLOCK ON MY CREDIT ACCOUNT.. THAT NONE OF THE INQUIRIES ARE AFFECTING MY ACCOINT.. 

( SHE WILL REFER TO IT Dept. ) Debt shows {$52000.00} False {$20000.00} XXXX ( only ) Remove address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, not mine address ( she will refer to IT dept ). 

She is sending me a credit report and credit score within XXXX my confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started my refi in XXXX of 2020. I have made over 30 phone calls to loan cabin and only received one call back once from my loan officer. I have sent over 50 emails with few responses. After 5 months they told the XXXX they were waiting on XXXX docs, which I authorized in XX/XX/2020 but they never requested from the XXXX. Then after I have the XXXX send in required docs I hear nothing from Loan Cabin despite multiple phone calls and emails, even though Loan Cabin promised to follow up. Now they say the XXXX made a mistake and they are waiting on a response. When I contacted the XXXX they said they sent the update paperwork the same day over a week ago, which leads me to believe Loan Cabin can not check their own emails. If you want to refinance your home go somewhere else.
Product: Debt collection

on XX/XX/2017 XXXX XXXX extension XXXX called to say we entered an agreement for payment of {$620.00} from XXXX XXXX. I replied telling him that the company has been debiting money from my checking account for the amount owed, XXXX continued to speak and tell me that I am lying and that I am changing my story, I attempted to explain to him what was happening and he continued to talk over me. At this point I raised my voice to try to catch his attention, which he did not stop talking or let me talk other than accuse me of being negligent and ignorant. I let him know I will be talking to his supervisor at which point he said they will be submitting the lawsuit for the debt because I am not working with them and am refusing to comply. I then hung up because he continued to threaten me. Following a letter about the phone call that was not accurate was sent to my email. At this point I have submitted a voice mail complaint to his supervisor & refuse to pay for this debt until the communication between their company and XXXX has been resolved and I refuse to deal with this man. I would also like to complain about multiple harassing phone calls daily.
Product: Student loan

For one, I am a US XXXX vet under the old GI bill ( XX/XX/XXXX-XX/XX/XXXX ). Went to college under the old GI. Before college was completed the old GI was canceled thus had to get loans to complete college. I was laid off three times as a XXXX XXXX XXXX thus XXXX income. Sallie Mae/Navient would not help unless I got forebearance. Why was a deferment not afford? ( no one can answer me that question ). All that did was add {$30.00} to a loan of around {$40.00}. I graduated in XX/XX/XXXX and my loans are not even going down even after all this time paying each month. I am XXXX years old and getting close to retirement. How can any one retire with this over my head. You can not tell me that I have not paid back the original amount by now. Also our house hold income has come down at least by a 1/3. Wife has become XXXX and can not work plus she just had a XXXX XXXX removed three weeks ago. So in turn it is pay student loans each month or get and pay for medical help/expenses. No one seems to help anyone. I need some help. I have already spoken to US Department of Education about me not getting any help and got a letter from them. They said to contact the CFPB if needed. Add me to any lawsuit concerning Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND TRY - company has not responded! CW Financial is just awful! This proves it. I NEED THIS TAKEN OFF MY REPORT! IS NOT MINE! Help, please!!!! 

FIRST TRY ( ORIGINAL COMPLAINT - COPY AND PASTED ) I consistently keep asking for this item from to be taken off my credit report. It is not mine. I will not stop until it is taken off!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, world remit allowed someone to make a transaction for XXXX dollars in my name. I do not have a world remit account, nor have I ever done business with this company. After reporting the fraud to my bank and initiating an investigation I researched world remit on the XXXX XXXX XXXX World remit has hundreds of complaints about the company allowing fraudulent transactions. World remit clearly has XXXX concern that their company is allowing people to easily commit fraud using their system and allows it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this service when I lived in Indiana. When I cancelled account and moved out of the state ( XX/XX/2019 ), they were supposed to send me a mailer to send back equipment. I had not received first one they sent so I called on a recorded line and requested they send another so I could return equipment as I was leaving state in a few days, to which they did. I packaged up equipment and sent back sometime before leaving on XX/XX/2019. Then, in late XXXX ( XX/XX/2019 ) the first package mailer arrived but at that point, I had already left to moved to Arizona XXXX XX/XX/2019 XXXX. I have email from my landlord from XX/XX/2019 stating a package is sitting on my front door. I called my ex and asked her to check what it was and she informed me it was mailer from XXXX so I had her dispose of it. First I hear of anything being an issue is when I apply for credit 8 months later only to find out XXXX sent me to collections for {$100.00}. I called to find out why and thats when they said it was for equipment not returned. I told them I returned and asked them to use tracking number they sent me to track it, as what I suspected was they are tracking first mailer which I arrived after I had already sent beck second mailer. They said they didnt have that info ( or couldnt find it ). Since I know I sent back to them and they cant charge someone for nothing and report collections with no proof, I submitted a dispute stating what they told me and asked for it to be removed since it is clearly an error and I wasnt supplied any proof to the contrary. Also, they were sent back their equipment since Im the one who did it and if they didnt receive somehow, they should also have some sort of insurance on mailers they send to customers that they can submit. The dispute came back as there was sufficient proof. I submitted dispute again since they said they didnt have proof hoping I would get this so called proof since up until now, I have been provided words that equipment wasnt returned and thats it. No proof has been given to me, and there wouldnt be any proof as I did return equipment in mailer # 2. If they cant locate that box or tracking number, they need to pull the call as there is a call with me asking for the second box and they made it sound like that. 
Anyways, my credit is being damaged and I was now passed up on a HELOC because of this collection. I make over {$100000.00} a year but I refuse to bow to a companies attempt at extortion for {$100.00}. 
Also, I should not have to be making multiple calls to collections agent and creditor multiple times and filing disputes for a measly {$100.00} when they are wrong and can provide no proof to the contrary. They need to remove damaging information or better yet, locate the equipment that they received back from me. The modem and items in box should have IMEI or MEID numbers they can track the location of.

I work in data science and this is absolutely a failure in data handling practices that is causing real world damages to my credit score and, ultimately, my finances. Please help!
Product: Debt collection

Notice for Proof of Claim Account : PORTFOLIO RECOVERY ASSOCIATES LLC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this FRAUDULENT ACCOUNT??

debt.
Product: Debt collection

I pulled all three of my consumer reports recently and noticed that COLLECTION AGENCY NAME is reporting that I allegedly owe them DEBT AMOUNT. On DATE SENT FIRST LETTER I sent a letter to them requesting that they validate this alleged debt. It has been over 30 days I have not gotten any response from them whatsoever. I sent this letter via certified mail on tracking number TRACKING NUMBER which I verified that they received the request of information letter. Under the 15 USC 1692g I have allowed more time than prescribed for them to respond but they have not, so I am requesting that they cease collection of this alleged debt.