23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collections Services of Athens , Inc. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with Collections Services of Athens , Inc. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Collections Services of Athens , Inc has also called me on XX/XX/XXXX threatening to take legal action, I have filed a complaint with Georgia Attorney General, ... Furthermore, Collections Services of Athens , Inc. is practicing UNJUST ENRICHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These listed accounts have violated my rights. 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 7 years. 15 U.S.C 1681 s-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 inaccu
rate.
Product: Checking or savings account

My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX XXXX a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. 

Please delete the following accounts : XXXX  XXXX XXXX amount : {$770.00} XXXX  XXXX Total amount : {$290.00} XXXX XXXX Total amount : {$34000.00} XXXX XXXX Total amount : {$4600.00} the inquires below were not made by me but made under my name new country XXXX made on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had bought the car back in early XXXX  and immediately was burdened with the loan interest rate at XXXX  %. I rescinded the loan in XX/XX/scrub>XXXX XXXX via certified mail with no response from XXXX  other than I am still responsible for the debt. Due to XXXX 's failure to properly notify of rescind rights, and failure to collect their abandoned property, it still remains in my posession. In XXXX XXXX XXXXXXXX and Bridgecrest committed fraud by accepting an insurance settlement for $ XXXX instead of sending me the check, and still trying to collect on the loan that has been rescinded.
Product: Debt collection

In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by Scott & Associates @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is 19 years old and my property has been threatened for possession and or XXXX for this alleged debt.
Product: Credit card

Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!
Product: Debt collection

I have a company called phoenix financial services on my credit report. This is saying its from a hospital bill. I do not owe this and was not ever informed about this bill. I have contested this but still shows on my report.
Product: Consumer Loan

Hi my name XXXX XXXX .... I have issue with a bank called XXXX they scam me right along with the car dealer ship.. XXXX.. ok I got a car. From theme and they told the XXXX come to find out that the car was XXXX I gave XXXX XXXX they told I will get my title ... I have to pay XXXX more my credit XXXX when I got my car. And they had me paying XXXX a month until they said XXXX was paid off ok I over paid. Later on the bank tell me. My pay stubs where fake the dealer ship had gave fake pay stubs I sent them my real ones and. They never respond..also I do n't have no paper work on car. Did n't sign anything they gave me one key to my car. .. ok started calling and go back forth to. The dealer ship .. and then I found they said I 'm paying a car. For 7 years this bank is scam and fraud they was working with the dealership ... the whole time they. Wanted paper work I fax and email it to theme ... they was saying oh I did n't get. For 4 days then when I said I 'm reporting this bank the next day when I called they said oh we have. When then been had it ... now they telling me we have to waiting until we get in touch with the dealing ship and all this other stuff when they know they close down and no one never pay a car for seven year. And they forge my hand writing and they let it go. They only way I seen. This because I told theme I do n't have paper work on my car or nothing ... I told theme to send me. The papers they did n't want to. So I made theme email a copy and they did n't want to. Now they have copy of my. Check and alll they still not try to. Work with me or keep make up things and not pick my calls they scam me for money and I want my title
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXX & # 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: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Mortgage

I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is on Overton, Russell, Doerr and Donavan of XXXX XXXX, NY XXXX. In mid XX/XX/XXXX, I looked at my Credit report and found a XXXX Collections against me. I called the collections and wrote them a letter trying to find out what this recent issue was. They got back to me and said it was a medical bill from XX/XX/XXXX. I had no knowledge of this bill and asked why they are reporting this as a " new '' collection? They said they just received it. I said that the information was incorrect and the proof was on the bill they sent me. They never corrected it. After going to the hospital and talking to billing. I found out that this bill was in error and it should have never been sent in the first place. In any case, The hospital is contacting the collections and taking this off. However, My credit has been ruined. I was unable to take advantage of several opportunities as my score was too low. I have all the documents and cant understand why Overton knowingly did not report the information as the documentation indicated. You can clearly see all the mistakes that were made. The Bill said XX/XX/XXXX, The credit agencies had XX/XX/XXXX and the docs that Overton sent me said XX/XX/XXXX.
Product: Debt collection

This company is calling in an abusive manner. They are calling 10-12 times a day and XXXX times in a row. They've been asked to stop calling. I was told that they are collecting a debt from XXXX. I called XXXX and they confirmed that not only do I not owe any debt, that all my accounts from previous addresses have a {$0.00} balance. These constant, abusive calls must end before I file a complain in XXXX XXXX civil court.
Product: Checking or savings account

On XX/XX/XXXX I had received a text message from Chime saying heres your Chime passcode, do not share with anyone. I called chime to verify that someone did not fraudulently open an account with them in my name. I spoke to a representative at XXXX and they asked me for some information and the last 4 of my social security number. They then said that there wasnt an account with my information. So I ended the call thinking everything was fine. 

Today, XX/XX/XXXX, I received a Chime debit card in my name and it had my address and with a direct deposit form. I never applied for a Chime account and obviously the customer service representative I spoke to on XX/XX/XXXX did not check my information correctly. So whoever this person is, they have a virtual debit card in my name that theyre using with the Chime app and are committing identity theft and the Chime company does not care.
Product: Mortgage

This is a follow up to a prior complaint which was submitted XX/XX/XXXX ( Case Number XXXX. ) Ocwen made a loan modification agreement with the homeowner in XX/XX/XXXX which it then breached. The homeowner paid on that XX/XX/XXXX loan modification and was current for five years until Ocwen suddenly and unjustifiably refused to accept payments. Throughout that time Ocwen refused to acknowledge the XX/XX/XXXX modification. Ocwen did not properly adjust the account but instead continued to send incorrect statements and delinquency notices. In XX/XX/XXXX Ocwen commenced a foreclosure action based on the original note, even though that note had been superseded by the XX/XX/XXXX loan modification. <P/>A copy of the prior complaint is attached. Ocwen subsequently sent a response, but did not in fact address the issue. Ocwen 's response, exclusive of their exhibits, is attached. We now submit a response to Ocwen 's response and request that further investigation be conducted by Ocwen and the CFPB.
Product: Vehicle loan or lease

XX/XX/year> I reach out to company by phone about the volunteer repossession for them to remove the vehicle off my credit report because they have already sold the car a while ago.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding a collection account from XXXX XXXX XXXX, which I believe is the result of identity theft. This account is inaccurately reported on my credit report, and despite my efforts to dispute the information with TransUnion, they have failed to conduct a proper and thorough investigation as required by law. 

Here are the key details of the situation : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount Due : {$5300.00} XXXX discovered that XXXX XXXX XXXX is reporting a collection account that is not mine. I did not open the account, nor did I authorize any debt with this company. After noticing this fraudulent account, I promptly disputed it with TransUnion, providing supporting documentation such as my lease agreement for a different unit. 

Unfortunately, XXXX response was inadequate and did not resolve the issue. They failed to properly investigate the dispute and did not reach out to XXXX XXXX XXXX to verify the accuracy of the account. As required by the Fair Credit Reporting Act, credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes inaccurate information. However, in my case, TransUnion did not fulfill their responsibilities. 

Despite my efforts to dispute the account, the fraudulent collection remains on my credit report, which has caused significant damage to my credit score and has impacted my ability to obtain credit. I believe this ongoing issue is a direct violation of my consumer rights under the FCRA, which mandates that credit reporting agencies take steps to ensure the accuracy of the information they report. 

It has come to my attention that TransUnion, like the other major credit reporting agencies, has been criticized in the past for failing to properly investigate disputes. This only reinforces my concern that the company is not taking my dispute seriously and is not following the legal requirements for dispute resolution. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that TransUnion conducts a thorough investigation into this dispute and removes the fraudulent account from my credit report. Additionally, I request that XXXX XXXX XXXX be notified that this debt is the result of identity theft and must be removed from my record.
Product: Debt collection

On XX/XX/year> @ XXXXXXXX XXXX a woman by the name of XXXX XXXX ( from XXXX XXXX XXXX ) left a message on my phone saying that I was due at XXXX XXXX XXXX on XX/XX/year>, but since they had not received any communication from me or my attorney they would be moving forward. 
I was scared so I called her - she said she was a mediator on my case, that I was being contacted regarding a personal I had obtained and that I needed to pay before the attorneys went into court to proceed with this matter. She did tell me that if I didn't pay the amount due my driver 's license would be suspended immediately, my wages garnished, my cc frozen and any bank account would be frozen too. 
I got very worried and told her that I didn't have the money she was requesting ( over {$5000.00} ), she then said she would try to stop the case from moving forward and try to see what she could do. She came back on the phone and informed me that she was able to stop the action, that she would talk to see if they would reduce the amount. Came back on the phone and said that they had brought down the amount to {$1800.00}, and that how was I going to pay this. As I previously stated I was afraid of all the negative actions that she said were going to be done against me, I told her I could {$260.00} with a cc and the balance on XX/XX/year>. She did mention that I should reach out to friends and relatives to get the monies. I told her I could pay on XX/XX/year> when I receive my social security check. She accepted and requested my debit card #, which I gave her and signed an authorization ( via docu-sign ). The amount were drawn by a company by the name of Blackwater Capital Group. Documents came from someone named XXXX XXXX. 
They have also been harrazing my friend and family to obtain my contact information and whereabouts, telling them I owe monies. I understand they are not allowed to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 166B : 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: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN does not have a right to only accept explanations from only one side, and continuously re-reports false information after doing a one sided " investigation '' in these matters. It is discrimination and bias. 
Experian has refused to remove UNILATERAL reporting from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. 

Experian is repeatedly ignoring my consumer rights by only accepting XXXX side of any story from a collection agency. 

An investigation need to be launched on what appears to be collusion with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19. 

Experian must remove all credit reporting entries by XXXX XXXX XXXX from my credit report immediately.
Product: Mortgage

since Champion Mortgage is the servicer of our reverse Mortgage we have had many issues with them. we originally took out the reverse Mortgage through XXXX just to pay for property taxes. our home is worth 1.2 million and each year that we fax and request for a withdraw request we get the run around. this Company must be investigated thoroughly as there are hundreds of home owners been experiencing shady practices. a simple XXXX review of this Co should be enough for your agency to be alarmed! i have contacted HUD and was transferred back to this agency. we are tax payers and demand to be protected by our Gov. agencies to pursue each complaint. 
I was told earlier that Champion Mortgage responded to your agency with lies and more lies and that the case is closed! im requesting an opening of another investigation as they lied in their letter and once again, a simple review will show U. evenXX/XX/XXXX has a rating of " F '' for champion Mortgage
Product: Money transfer, virtual currency, or money service

In the week of XX/XX/22 I received a money transfer to my cashapp account in the amount of XXXX. On XX/XX/22 I broke my phone and got a new one with a new phone number. When I attempted to log into my cashapp account, the verification process asked me for my debit card number which I provided however was told that I could not be verified so I contacted the support through the chat service. After days of going back and forth and being asked to verify myself with the same questions over and over all of which of my information is true and correct I was ultimately told that I could not be granted access to my old account nor could I be given access to the {$20.00} that was sent to that account. I then asked for that {$20.00} to be refunded to the sender as that money was withdrawn from their account. These requests were also denied and the cash app support told me that they could no longer communicate with me on this issue. It is my opinion that what has transpired here is downright fraud and stealing. Every single one of my other banking accounts with credit cards and financial institutions were able to verify my identity when I made the switch with my phone however cash app has shut down my request and they are refusing to give that money back to either myself or the original Center. This is stealing.
Product: Debt collection

In XX/XX/XXXX i was getting weird orders of things i did not order i returned them back to military star then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, XXXX XXXX XXXX XXXX.they say i owe them XXXX, and military star says XXXX in other words different from amount, i have complained too military star that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now XXXX XXXX after 6 months today have taking over XXXX dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop XXXX XXXX and military star stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told military star that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges