23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted by Asset Collections Inc @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX, by phone concerning a disputed debt with a Law firm that I used once and paid for in Full. The imperious man calling and leaving messages to me and my parents is named XXXX. I fired the Law firm and documented the conversations and the email communiques. First the Collection agency calls me repeatedly and by text and also called my Parents even though I am XXXX years old, Which is pretty low class. I had sent a registered letter to Asset Collection informing that the debt was disputed, that I owed the law firm nothing and to not contact me any further on this disputed debt. 
They are not stopping the harassment and are continuing to harass me now by mail. I believe they are violation the fair debt collection practices act by acting in such a reckless manner. I am in XXXX now am a single mother raising a XXXX XXXX XXXX son. I don't have job but do receive some child care monthly expenses.I don't understand why Collection agency 's can break the law and harrass people who Have no assets and only own a car, which I need to get around and raise my son.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : BMG MoneyXXXX XXXX XXXX : BMG Money- XXXX XXXX : BMG MoneyXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXX XXXXXXXX & XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXXXXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police report.
Product: Credit card or prepaid card

I called company 4-5 times about my card never got my got had money in it as well I need to have someone call me immediately I think someone is using my personal information with this companyor company is not sending my card and holding money. Please contact me at + XXXX. 
XXXX Thank you XXXX XXXX customerservice@netspend.com president@netspend.com netspend.com
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX-DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I submitted an email request to be considered for the Temporary Extended Public Service Loan Forgiveness Program, because I qualified. I have made 120 payments on my student loans ( some on the wrong re-payment plan ), have 10 years ( XX/XX/XXXX-XX/XX/XXXX ) of work experience with the government, and have been denied PSLF. I was informed via email that if any additional information was needed that I would be contacted. I was never contacted. 

On XX/XX/XXXX, I received notification that I did not qualify for TEPSLF because I only had 118 out of 120 payments. I immediately called XXXX XXXX  and spoke with representatives and supervisors. I was informed that for two payments in XX/XX/XXXX had not been received because my account was placed on and administrative forbearance, which I never requested, but happened when my loans were being transferred from XXXX. I provided a bank statement which showed one of the two payments had been made because it was automatically deducted from my account. I also provided an updated employment verification, which provided an additional seven months of qualifying payments. 

I have been informed by XXXX XXXX to reapply for PSLF which I did and was denied. I reapplied for TEPSLF, which I was instructed to, and have received no response. I continue to make payments to XXXX XXXX, even though a supervisor informed me that " the database '' states I have 128 payments in the system. 

I am getting nowhere and am very frustrated. XXXX XXXX is in essence taking my money each month for a loan that should have already been forgiven. I have reached out to the Ombudsmen 's office and they took my 1st complaint and then closed the case even though I asked them not to. They took my 2nd complaint and I have heard nothing. 

My concern since I received the rejection from TEPSLF in XX/XX/XXXX was that I knew the TEPSLF is a time limited, fund limited program. Even though I applied back in XX/XX/XXXX, I am sure my application is at the bottom of the pile now and it is quite possible the funds will be gone by the time XXXX XXXX does what needs to be done. In addition, I am due a few thousand dollars in over-payments, because my account continues to be deducted. 

This is my last step before filing a law suit. I am hopeful that this situation can be remedied but realistically I have no evidence to sustain that hope.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Bankruptcy Court Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy U.S. Bankruptcy Court Reference # XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft. I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

CHARGE-OFF/COLLECTIONS : 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 XXXXXX/XX/XXXX
Product: Debt collection

There is an outstanding balance of {$1800.00} from XXXX listed on my credit repiort and has been affecting my credit negitavely for years now. I have never had any knowleage of ever dealing with or doing business with this company for any services/products they provide. I have never given any permission for my information to be used at ankytime for anything habing to do with an account like this. I have contacted this company and the credit bureaus for years about this as well as the collection companies and no one can help me with this. I just read about a case where XXXX is paying {$20.00} plus XXXX dollars to people for wrongful use of credit etc. I do not know if this is what has happened to me but this account does not belong to me and never has. I have sent documentation trying to prove in every way that this does not belong to me. I am getting negative responses regarding my credit status due to this account and it is not acceptable to me. Please point me in the right direction to someone who can assist me. 
Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1800.00} {$1800.00} Payment Info Original balance {$1800.00} Balance {$1800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate i XXXX XXXX XXXX
Product: Debt collection

I have done everything to settle the account but the Collection Agency, McCarthy, Burgess and Wolff, keep sending Collection Letters. 

I sent a letter, together with a check, to settle the case because its already affecting my credit score but it was returned w/o explantaion. 

Please see attached.
Product: Debt collection

accounts are reporting negatively to my report. Ive tried to get it off multiple times. They never provided me with what Ive asked for. Never provided a debt validation letter for my account like i asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report or other services which depend upon Equifax to confirm my identity. Apparently some party or parties used my SSN in the past to access loans or open other accounts. These accounts appear to be from the midXXXX. However, I was born in XXXX, so I obviously know nothing of these accounts. As a result, I fail to answer the challenge questions. 
I have been in contact with Equifax for over two years on this matter, having sent them five letters with attachments including a police report, and enlarged copies of my government id and social security card. I even place a fraud alert with them. 
When I went to apply for state unemployment benefits recently, I was unable to answer the challenge questions which came from, you guessed it, Equifax. 
PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. The 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 this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. 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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

I purchased a XXXX XXXX  from XXXX XXXX online store ( XXXX # XXXX ) on XX/XX/XXXX, which cost me {$1100.00}. The wheelset has a problem of cutting sidewall of tires. After speaking to XXXX with XXXX XXXX XXXX ( owner of XXXX XXXX ) on XXXX XXXX, XXXX, I shipped my XXXX  to XXXX XXXX  on XXXX, XXXX and it was delivered on XXXX XXXX, XXXX. XXXX ( customer service ) at XXXX XXXX also confirmed the delivery of my return, but he stop replying my e-mails and I couldn't get any updates from him. I called XXXX XXXX and spoke to his colleague, but nothing happened. 

I filed a dispute with my Citi credit card, and the case has been resolved in my favor ( see attached ). Because I didn't see the credit applied to my account by the time I noticed ( from email ) that my case was resolved, I thought I have to withdraw my case to end the case and to get my credit back. It was only after I saw the paper mail notice ( see attached ) and the reverted credit on the recent bill that I realized that this wasn't right, Citi applied temporary credit to my account when I opened a dispute and reverted credit when I clicked on withdraw. 

But, how can a conditional permanent credit from a resolved case be reverted again? There are too many misleading things from my credit card service. 

After I spoke to the Citi dispute department, they insist that there's nothing they can do which is ridiculous. How can Citi design a system that allows customers to withdraw any resolved case cause revert of a conditional permanent credit? A resolved case on the web page should be closed, why do they give you a withdrawal bottom? They didn't provide clear information for the dispute procedure in the first place and they won't re-dispute for their customer. They ask me to speak to a merchant who now thought I got reimbursed from the credit card company I felt I've been scammed twice in this purchase, one by XXXX XXXX  and the other by Citi.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and do not have a contract with Midland Funding LLC. They refused to provide me with the orginial application like I asked and continued to report a negative account to XXXX, XXXX and XXXX. On XX/XX/2018 ; Midland Funding LLC began to report a balance of XXXX on my credit report. I disputed this account with XXXX and explained that I did not have any account that reflected this bank or this amount owed. Midland Funding then decided to update the balance on the account to {$1800.00} and reported the dispute as resolved and the dispute was closed. I disputed this account again for ownership and asked the creditor to validate the debt with a signed copy of my application to this company or the pry contract, the company provided neither documents. Instead, Midland Funding verified the debt as accurate and no further changes were made to the account. I do not acknowledge this debt and request that it is removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my report from Clarity Services Inc, on a couple occasions. On one occasion back in early XXXX I had disputed much of the personal information they have on record for me, as it is not mine and never has been mine before. They have over 42 different inquires listed down and of those 42 only 12 of them are actually inquires that I granted permission to, the other 30 of them I never grated those companies permission to review my credit nor have I ever even heard of those companies. Clarity still refuses to remove them and still refuses to validate them to me. Also there are 5 incorrect addresses listed under home addresses those 5 are NOT addresses I ever lived at before. Then they have 16 different phone numbers listed under Home Phone Numbers and I havent had a home phone line in over 12 years, so every single one of them is inaccurate as their reporting only goes back until XXXX. Then they have 12 different cell phone numbers listed under Cell Phone Numbers of which 2 of them are actually mine. Ive never seen those others numbers before, theyre not mine! And then as we get to the section Drivers License Numbers they have a state listed claiming I have DL there and Ive never even stepped foot into this state let alone got a DL there. 2 of the 7 listed are accurate the other 5 are NOT. They have 8 different email addresses listed, only 2 belong to me. They have my employers company name wrong and have it listed as current when its a former employer. The occupations they have listed are wrong. And then in a section titled Net Monthly Income out of 17 different amounts listed only ONE is accurate. Oh and the biggest one is the section titled Banking Information they have 4 different bank accounts listed, only 1 is actually mine the rest Ive never seen before. 
They are serious reporting A LOT of inaccurate made up information on my file and it concerns me greatly. But whats more concerning is their refusal to remove this incorrect info from their file. They have no right furnishing requesters false information, thats lying to them essentially. Its not right theyre getting away with this.
Product: Credit reporting or other personal consumer reports

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I've gone over my latest credit report and noticed several incorrect accounts that appear to be fraudulent and were added without my knowledge.
Product: Vehicle loan or lease

I ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Debt collection

I contacted Portfolio Recovery Associates and advised them that I do not want them to contact me anymore back in XXXX of XXXX. Despite this request, I was contacted via phone today by XXXX XXXX and was advised that they do not have a do not call list and that they require an email be sent in. This was not what I was advised of back in XXXX when I requested the initial no contact. Additionally this is the same company that contacted me at my previous employer around XXXX of XXXX and I advised them over the phone that I did not want to be contacted. It appears that they have simply been putting my name on a call later list. I do not wish to be contacted by this company again as I am disputing the account altogether.
Product: Credit reporting

Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and investigation took over 30 days
Product: Mortgage

Bought my House in XX/XX/XXXX my mortgage lender was XXXX XXXX. Mr. cooper bought the mortgage and sent me a letter that nothing was going to change. in XX/XX/XXXX they did not transfer my property insurance to the new mortgage and I was never notified that my Property was insured by another company from the dates XX/XX/XXXX - XX/XX/XXXX. They are charging me XXXX XXXX  for something I was never aware. I have called multiple times and requested an escalation on this and I have had no resolution. Mr. cooper failed to notified me that they could not get a hold of my insurance company to properly tranafer my policy.