23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Product: Debt collection

I opened an account with XXXX after moving to a new address. At installation I was told that I had 60 days to cancel service if not satisfied. After receiving my first bill, I was charged for a premier package that I did not authorize and charged installation, and various other charges such as pay per view movies at XXXX each. I called XXXX IMMEDIATELY regarding these charges and was told that someone called in and made these changes which was not me or anyone in my household as nobody was home during the times they stated. I told them I was cancelling and they told me no problem they would zero out the {$620.00} bill. Well to no surprise after reading other peoples comments on XXXX XXXX page they did not do as they said. Seems to be quite an issue of them overcharging and saying oh well well send you to collections. I disputed the collection account with XXXX  which they did find fraudulent and was removed. XXXX  said the consumer disputed my dispute and was not removed and I just submitted the dispute to XXXX. I need to have this removed from my credit IMMEDIATELY before I have to involve an attorney for the company fraudulently using my social security number to try and overcharge me for something I did not consent.
Product: Credit card

I am currently a victim of identity theft. I received a notification from " XXXX XXXX '' which is an identity monitoring service, that my personal information was used to verify identity with " Bill.com '' I called " bill.com '' to verify why my personal information was used and NO ONE would help me and kept telling me someone would call back in a few days. I tried using their website which has many suspicious " help links '' that include " how to unfreeze credit '' " not receiving email? '' Links that seem to be helpful for someone committing identity theft or fraud. 

This company seems extremely shady. I have worked with over 10 different creditors to get fraudulent applications and accounts taken down and no one has ever been so unhelpful or UNBOTHERED by identity theft claims. 

I believe this company needs to be investigated.
Product: Debt collection

I have been unlawfully tricked into paying a debit that credit collection service did not legally own.
Product: Mortgage

My deceased husband had mortgage with ex wife. loan was both their names. She done quit deed on the property and doesnt want it. I have paid the mortgage since XXXX  ( almost ( {$50000.00} ) Chase refuses to talk to me and I want to finish the payments. They wont take money from the principal and just add more months prepaid. I need to finish this as I am XXXX and dont need the stress.loan is with Chase acc # XXXX. I should now only be owing {$32.00}
Product: Credit card or prepaid card

On XX/XX/XXXX of this year, I called up and discussed a direct deposit promotion with a customer agent. He told me that I had to repay a prior direct deposit promotion before I received a new one or I would start getting charged interest. I moved a lot of money around and got prepayments from clients and paid most of it that day and the rest the next morning ( which was the same day I received the direct deposit ). He had told me that this would be fine to avoid interest. 

I noticed today that I was charged interest on my current statement ( {$81.00} ) and most recent statement ( {$55.00}, for a total of {$130.00} ). I called in and spoke to someone who said that it was about a grace period not applying unless I paid off the entire balance, which entirely defeats the point of a promotional balance. I asked to speak to a supervisor ( someone named XXXX XXXX. She clarified that it was in fact because I had failed to pay off the pre-existing promotional balance. I told her that I did and she noted that it the same day payment issue but she wasn't sure " how it was allocated. '' Then she told me that her system was down and couldn't get the details so she couldn't do anything so I should call back later. I told her that I wasn't sure I believed her. 

I called back later and spoke to another frontline associate who told me the same story the first one did ( which had been confirmed to be incorrect by the previous supervisor ) and that there nothing I could do. I asked to speak to a supervisor and he refused. I insisted, then he put me on hold and made me wait 30 minutes, then came back and told me a supervisor was unavailable and I could request an email in two days. I told him I would file a complaint and hung up, so here we are.
Product: Checking or savings account

I opened a Venmo account and verified my identity right away. My uncle sent me some money to help with my rent. He sent the money as product and services but later that day contacted Venmo to ask it be changed to the friends or family method. I also contacted Venmo to change it so I could have access to the funds. Venmo replied back with an email telling me I violated the ToS and that I can no longer use the service and have to wait 180 days to get my money. It's the only transaction on my account. Because Venmo did this I have been evicted from my home. I did nothing wrong for them to do this and the domino effect it had on me was devistating.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and was shock to see what was on there information that did not belong to me so I notified my bank Ive been a victim of identity theft so i ask them to freeze all my accounts
Product: Debt collection

Mortgage with   XXXX   XXXX   XXXX   was first reported delinquent  XX/XX/XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds   XX/XX/XXXX  .   This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
Product: Credit reporting

Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.
Product: Debt collection

Nothing was taken due to never been to this location, also they posted with the wrong name
Product: Credit reporting or other personal consumer reports

Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( 3 ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX  to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX  furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the thirty-day period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXX rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Product: Credit reporting or other personal consumer reports

these accounts was charged off on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was charged off multiplies times up until XX/XX/XXXXXXXX XXXX acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charged off XX/XX/XXXX XXXX it also was charged off multiply times last time was XX/XX/XXXX, XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX multiple times until XX/XX/XXXX, XXXX XXXX first charged off XX/XX/XXXX charged off multiple times until XX/XX/XXXX since these accounts has repeatedly been updated as charged off every month, this is an update in payment history a charge off account should not include payment history this is innaccuate information falsely manipulates the statue of limitations you failed to investigate these account properly and your neglect has violated my rights I am demanding a deletion of the following accts that I have included above
Product: Credit reporting or other personal consumer reports

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Mortgage lender in XXXX , Michigan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$680000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : mail CFPB FTC Office of State Attorney 15th Judicial Circuit Serving Palm ...

Office Of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} 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 reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.
Product: Debt collection

This company contacted me and said they were hired to settle a debt. That I would provide my debit card information and they would provide me the paperwork stating the terms of the agreement on said debt. I have never received any paperwork from them ever. I had to provide my banking information to them and they said they don't keep it on file, that they would make a one time debit, which they did for {$140.00}. Two weeks later they made another debit from my bank account for another {$140.00} after they specifically told me that they don't keep checking account information. When I spoke with them today, they said they need my debit card information or they are going to file my paperwork. They call me constantly at work after I have told them to call my cell phone. Because they debited my bank account twice without my permission the second time my student loan payment bounced. These people are very aggressive.
Product: Debt collection

This company is on my credit report illegally, I have sent three debt validation letters that are in compliance with section 609, 617 & 619 of the FCRA, All three of my disputes was dated and sent via certified mail with notarization, LVNV kept reporting my debt as valid but would not send validation, After my third letter on XXXX XX/XX/2019 LVNV attempted to sue me for this debt, but withdrew from the lawsuit because I had paperwork proving I requested validation and never received it, this company is practicing illegal collecting which violates our consumer, FCDPA, & FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX XXXX XXXX XXXX # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX  XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account XXXX XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Product: Student loan

The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.
Product: Debt collection

A company called XXXX XXXX XXXX keeps calling my home looking for someone i do not even know. I had explained to them that i had just received a new number from the phone company and that they now had the wrong number for the person they are looking for. The man on the phone called me a liar and they continue to call even after i told them not to call my home, and that they have the wrong number and that no one lives here by that name and that i dont know any person by that name they sill call over and over again!!!
Product: Money transfer, virtual currency, or money service

XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about it
Product: Credit card

To The Capital One Case Management Team, aka Team of Losers : Re : Accounts ending in XXXX and XXXX Case : XXXX In the past I have tried to have a productive conversation with Capital One 's executive office many times, but no more. I don't want to waste my time justifying and explaining myself to these XXXX XXXX people at Capital One anymore, because I have better things to do in life unlike these XXXX XXXX XXXX working at Capital One executive office. 

I am just sick and tired of these XXXX XXXX  XXXX people working at Capital One head office. These XXXX XXXX  people at Capital One head office spent XXXX to XXXX dollars on a XXXX priority mail to collect XXXX dollars from me. This is a clear indication that Capital One 's XXXX XXXX employees are acting from an ego standpoint, they just spent wasted XXXX to XXXX dollars of the bank to send me a priority mail with full of threats in order to recover XXXX dollars. Grow up, XXXX  capital one employees, even a five-year-old would have better brains than you all XXXX people. 

It's funny, Capital One keeps threatening me in their letters every time that they won't let me do business with them anymore. Who the XXXX wants to do business with you guys! To these XXXX XXXX  people at Capital One, " You are not the only bank in this country you XXXX XXXX  '' I know these XXXX Capital One head office people have difficulty understanding English language just like their XXXX call center operators. If you guys understand English at all, lets set this straight for the final time- I don't owe any money to Capital One I have tangible proof to that, and so I am not paying a single more penny to Capital One in this lifetime. If I really had the intention to pay XXXX dollars to Capital One I would have paid it long time ago, but I don't succumb to XXXX crooks. Capital One is more than welcome to take me to the court, report me to the police, report me to the XXXX, report me to the military, basically Capital One is more than welcome to do whatever the XXXX  they want, I am NOT going to pay a single more penny to Capital One. 

So, Capital One 's stupid XXXX head office people should stop wasting the bank 's money sending me threatening mails. These threatening letters from Capital One to me it's like junk mails, it goes straight in the trash. But today I made an exception, today I was running short on toilet paper so I used the Capital One 's threatening letter to wipe my XXXX and then flushed it into the toilet bowl. 

In short, XXXX XXXX Capital One!