23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, after notifying her that under XXXX XXXX XXXX XXXX we were allowed to vacate the property owing no money for violating my Rights. She denied delivery of medication for someone in a protected class. She created a fraudulent debt based on a lie. XXXX XXXX has a history of committing crimes of theft as presented in the attached evidence. A person like this has no business in regard to placing debts on anyone. It is easy to see how she created a debt not owed by misrepresenting a material fact. 

As you can see, this is the person who has created a debt not owed which is fraud. This person has no credibility to even submit it to a collection agency. 

XXXX XXXX is liable for the behavior of this person since it is their employee. She violated my Rights. They hired her. She harassed me. She denied me required medications for a XXXX XXXX Maybe if XXXX did better employment screening, they would not be in the mess they are in with HUD. 

I mean look at the photos of their employee, so you understand what she did to me. How can someone with this record or behavior be allowed to run a property? 

What's sad is, her disregard for others. She feels displaying a vulgar hand gesture is appropriate. Then, makes fun of fat people. Definitely not appropriate for a Property Manager. But XXXX hired her, and they are liable for all the damages I and my incurred because of her actions alone. 

XXXX should be so proud that THIS individual was allowed to harass me and create a debt not owed and extorting us. She has 2 crimes of theft. How can she be in this position? 

XXXX hires these people who then lie and create debts not owed. They violate the tenants Rights and make living there a nightmare. 

XXXX has all of XXXX 's wonderful information and more for her representation for XXXX in a HUD case. My XXXX, their witness is destroyed because of them. This puts them liable. XXXX created a fraudulent debt and XXXX refused to fix it. I guess, this is what XXXX wants to be considered by their hiring practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this email finds you well. I am writing to address a matter regarding the debt associated with my account. After careful review and consideration, I have come to the conclusion that I am not responsible for this debt. 

As a diligent individual, I believe it is essential to have a clear understanding of the contractual obligations involved. However, despite my previous requests, I have not been provided with an original copy of the contract pertaining to this debt. 

To ensure a fair and equitable resolution, I kindly request that this is removed from my credit report. However, I want to emphasize that I have no knowledge of this company, nor have I ever engaged in any business or financial transactions with CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX XXXX I appreciate your prompt attention to this matter. Please note that until I receive the requested documentation, I maintain my position that I am not liable for the debt. I trust we can resolve this issue in a mutually beneficial manner. 




Thank you for your understanding and cooperation. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, My mortgage was forbearance for XXXX due to COVID. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last three months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But Shellpoint Mortgage services reported to the credits bureau, my payment was Delinquency for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with Shellpoint. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX
Product: Money transfers

I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 prior to sending my request for credit with One Main Credit Co I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from One Main Credit on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.
Product: Debt collection

The people at Premium Asset Recovery are haraasing me about a debt my husband had prior to me meeting him. They 've called and threatened to contact my employer and insulted me, saying I should pay my bills every once in a while. This was something prior to our marriage that I was n't even aware of. In fact, this debt they 're saying he has is from XXXX years ago, before I even turned XXXX!
Product: Credit card

I am writing regarding an issue with my mother 's Bank of America credit card. Her name is XXXX XXXX. My parents had me listed as a joint owner on their banking relationships and other accounts so I could handle their affairs and take care of matters upon their passing. My father passed in XXXX. My mother had a credit card with BOA, and I was not, at my request, on that card. My mother passed on XX/XX/XXXX, and I immediately notified the Bank to cancel her credit card. This was timely done. I, also, through online banking paid her card balance of {$41.00} on XX/XX/XXXX- I paid all my parents ' bills for years. 
BOA later debited her checking account for {$41.00} on XX/XX/XXXX- despite ( XXXX ) credit card balance was XXXX ; ( XXXX ) the credit card had been closed ; and ( XXXX ) when I called to cancel the card, was told any automatic bill payments would stop. I have spoken to personnel at BOA in retail, credit card and the estates division to have the funds credited back to the checking account [ which was in both my Mom 's and my name- now, in my name ]. No response after almost XXXX months. I am requesting that the funds be refunded to the checking account and a check not disbursed in my XXXX  XXXXXXXX XXXX name as she has no other probate assets. And it was an error on BOA 's part to take the second payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit, partial acct. no.XXXX  is appearing on XXXX and XXXX credit bureaus as an unpaid charge off.XXXX  has previously deleted.

The problem stems from the fact that the car is a lemon.Ford and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT FORD WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does Ford , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for Ford to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT FORD THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Product: Credit card

A few years ago Fortiva Bank offered me a credit card with twenty percentile interest. I accepted the card with an end use agreement that there were no annual fee. The interest rate was directly tied to federal reserve tax rate with a formula. I didnt use the card for several months at which point they threatened to revoke the credit card and close the account. Inflation had started to take hold with US economy. They raised the interest rate to 29 %. This was actually the lowest rate card I had so I used it for some expenses. Once the balance hit {$1800.00} the company said they were modifying the agreement. They added an {$8.00} month fee and set the interest rate at 39 %. I immediately objected in writing with both them and the better business bureau. I made all my payments in a timely manner. I have good credit ( XXXX at this writing ). I told them if they did that I would close the account. So it took 6 months to convince XXXX XXXX to extend a 0 % credit offer ( because of my credit score ). I did what I said. I took XXXX statement. Made {$71.00} payment. Got a pay off balance and gave it to XXXX to cover the remaining balance. They were actually overpaid the balance of XXXX statement. It should have brought the account balance to {$0.00}. This is predatory business practices. Especially for someone with good credIt. To just implement all sorts of fees and double the interest when I did nothing to violate the original agreement. Another bank set the account at 0 % interest because of my credit score. They started running the fee through 40 % finance interest rates instead of taking it from my monthly payment. They had kept almost half my payments in finance charges. When I asked them paid in full account be closed they initially refused. Told me I had to call them. They purposely leave people on hold for hours. I do not have this kind of time. On my 3rd written request I got an email back saying the account was closed. Now they are trying to charge more fees on a XXXX balance card. The card is not shut off and Fortiva Bank continues to conduct themselves in a predatory lending manner.
Product: Mortgage

XXXX XX/XX/XXXX I called USAA/XXXX to ask why there were so many " payment reversals '' on my account and why the XX/XX/XXXX payment posted, was reversed and re-posted for a different amount ( higher interest and lower principal ). Came back to the account on XXXX XX/XX/XXXX and USAAXXXX had moved a monthly payment ( amount $ XXXX principal XXXX interest XXXX escrow ) and moved an additional principal payment ( amount {$170.00} ) from the date XX/XX/XXXX into an escrow payment. 
I have been trying since that date to get this reversed. I was told that this was done at my request. I do not think that I requested this. It does not make sense to me to move money from principal to escrow years later. The mortgage company will not allow me to hear a recording or see a transcript of the call without a subpoena ordering access to such. Further, I am told, if I present a subpoena for this, it is considered that I am being represented by a lawyer and the mortgage company will only speak to that lawyer about my mortgage and not to me directly. I am told that is not a written policy that I was presented before I entered in to my mortgage with them and it is not in any of the forms I signed at my closing, but it is " more of a policy '' of XXXX/Nationstar ''. 
USAA does not claim any responsibility for XXXX 's actions, except they claim to have reviewed the phone call and verify that I asked for this money to be transferred. This person 's name is XXXX XXXX. He and I spoke on XXXX XX/XX/XXXX and he was going to reverse the {$1100.00}. 
Other people that I spoke to at USAA or XXXX : XXXX : first person I had contact with moved the money initially and told me he would move it back. Never made contact with me again. 
XXXX : spoke to her on XXXX XX/XX/XXXX XXXX : spoke to him on XX/XX/XXXX, told me he initiated the reversal and would take 3-5 business days. He set a call back for me, left me a voice mail. I called back because the transaction was not completed. He then told me it would be done in 24 hours. Was not completed. 
XXXX : XXXX XX/XX/XXXX promised it would be fixed 2-3 business days. Called XXXX XX/XX/XXXX was promised 2-3 business days. 
XXXX : XX/XX/XXXX was told " there is no law '' stipulating this has to be fixed in any time frame. His " manager '' XXXX XXXX told him it will be done " next week '' guaranteed. 
This still isn't fixed. 
I did not know that payments from 2 calendar years ago could be moved into the escrow account. I do not know how much clearer I can make it that I do not want payments from XXXX moved into the XXXX escrow account. I do not know how much longer I should be expected to wait for this to be corrected. I do not know how much longer is considered reasonable. I do not know if USAA/Nationstar is being truthful. I have recorded most of our conversations after learning of their " subpoena '' deal. 
I have attached the 2 statements, as the account was on XX/XX/XXXX and on 5 XX/XX/XXXX ( after they moved 2 payments into escrow ).
Product: Credit card or prepaid card

I went to my local Best Buy store to purchase a tv. I found what I was looking for and I ask the associate to help me with the transaction and use my existing credit card to pay. Because I did not have my credit card handy, I asked him to pull my credit card using my social security and DL. While in the middle of the transaction, he asked me to validate my address and asked me to enter my income. It was wired, and I did ask why income was asked, and he stated it is normal. No disclosure was handed to me, and I did not doubt that he was applying additional credit card. He said it done, and he need to scan the item. I asked what was he doing all the time, and he said he was making sure I was approved. I stated that I did not ask to apply for credit card, I asked to use my existing card. He said, this should affect my credit and because they are not running my credit report. I stated that that is not the case, and I told him I did not need additional credit card, and he stated that he did not see the existing credit card the first time. But I did not give him permission to apply a new credit card. He said I can keep it, it wont affect my credit history. I told him I need to be removed, he handed a phone number and stated that to call Citibank and speak to them. I called not once but twice to complain what happened, and they all blamed me as it is my fault. How is possible that I get blamed, when I dont see the person applying credit card behind a screen that is not visible to me. I ask this credit card to be removed from credit report kindly.
Product: Debt collection

On XX/XX/2023 @ around XXXX XXXX a representative of capital one bank showed up to my residence and discussed my debt with neighbors. First he started banging on the door and it woke up the neighbors. Once the neighbor came out, he extensively discussed and showed legal documents to him. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has refused to correct entries in my credit report incorrectly stating that my XXXX XXXX MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to XXXX, and XXXX directed to TransUnion ). XXXX, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX ( attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, TransUnions letter dated XX/XX/XXXX ( attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by XXXX, the creditor here. XXXX is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of XXXX XXXX records. XXXX concluded no delinquency occurred. Both TransUnion and XXXX are bound by XXXX 's representation. Indeed, no delinquency occurred and this improper refusal by TransUnion motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. TransUnion is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that these accounts and inquiries be removed from my credit file as they were opened or accessed without my authorization. 
The fraudulent accounts in question are : Accounts to be Deleted : 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 XXXXXXXX