23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Blitt and Gaines -False misrepresentation under 15 USC 1692e ( 3 ) says the false representation or implication that any individual is an attorney or that any communication is from an attorney. Also I replied to a debt validation letter from this debt collector that is acting on behalf of an attorney for 2 XXXX XXXX accounts they are alleging that I owe but fail to provide their law license that Shows that they can practice law. When the letter originally was written to XXXX XXXX XXXX XXXX. Next was a lawsuit in my name by this office. In my letter I requested that they send me anything they have that is placing me to this alleged debt thats for XXXX XXXX XXXX XXXX in which they replied with some statements that they respond back in which this lawsuit only has my name and not the XXXX XXXX XXXX XXXX XXXX  that their letter was in. As far as the other account they sent me a letter stating they are trying to collect a debt and so I replied on XX/XX/XXXX and since I didnt want others in my business at the address on XX/XX/XXXX they sent the correspondence in the mail in which my address is hard to deal with and I didnt want others in my home in my affair but Blitt and Gaines violated my rights and ignored my request and still sent statements in the mail XX/XX/XXXX in which statements is evidence of an obligation but not evidence of an obligation to pay and now it has caused problems in my household so they violated my rights and neglected to communicate in the way I instructed them to causing problems at home, as well as stress, embarrassment, headaches, etc. This is my 4th complaint requesting for the general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v Kauanoe, 62 Haw. 334,614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.I ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). Also under UCC 9-201 ~I Request for accounting F.R.C.P. ( F.R.E. ) 1002.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I attempted to order a part from this company XXXX XXXX  They didnt have the part in stock but you can preorder the part so as soon as they get it in they will send it out. XXXX XXXX is partnered with a company affirm. You can use affirm to make a payment and pay back installments.I used affirm cause I did not want when the part came in I didnt have the funds available. So after 2 months they still didnt have the part. On XXXX I canceled the order, I received a email confirmation order was canceled. Later that month I received a bill from Affirm saying payment was due. I called Affirm & told them that ordered had been canceled. They informed me that it takes 2 to 3 weeks for cancelation to process. So I made a payment with the assurance that it would be refunded as soon as the cancelation was processed. On XX/XX/XXXX I called XXXX XXXX to make sure that the order was canceled and the information was forwarded to Affirm. Again I received a confirmation email of cancelation and told Affirm had already been informed. XXXX comes around in receive another bill from Affirm for payment again I call Affirm they tell me they have no information about cancelation. I was instructed to send a copy of letter from XXXXXXXX XXXX of cancelation. I did received confirmation that it was received. I called XXXXXXXX XXXX again and was told they dont know why Affirm keeps telling me to call them because there is no money to refund cause order never processed cause item never came back in stock and they already sent them confirmation of cancelation and thats all they do. I call Affirm again and now not only are they saying they didnt received anything from XXXXXXXX XXXX they also saying they never received any of my emails with the confirmations, and that I am responsible for the money even though XXXX XXXX say they never charged Affirm. This been going on for 4 months now and Affirm refuses to call XXXX XXXX or investigate but keepa telling me Its my responsibility. XXXX XXXX telling me there is no money there was no payment made to them so there is nothing to refund and they dont deal with the customer when affirm is involved and they gave me everything already. Affirm has put this on my Credit report and calling me making threats and told me recently that it is to late for them to file a grievance with XXXX XXXX cause its pass 60 days.
Product: Mortgage

The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.
Product: Checking or savings account

Over the past 3 years i have been charged over 12000 dollars in XXXX fees due to over drafts and other fees by chase bank. I am not rich I love paycheck to paycheck and got myself caught up in the loop of having to pay these fees to stay afloat. I have been refunded max set by bank of 100 dollars a year I believe I have beendubted into having to do this and feel hurt by them.
Product: Debt collection

XXXX XXXX was paid {$6.00}, {$400.00}, and {$370.00}. The 'remit to " address changed XXXX XXXX XXXX between the {$6.00} invoice due XX/XX/2023 and the {$770.00} invoice due XX/XX/2023. However, the account number remained the same for XXXX XXXX # XXXX. I am attaching the cover letter and proof all amounts were paid with cancelled checks that were endorsed by the company. I filled a dispute with XXXX on XX/XX/2023 to prove the {$770.00} was fully paid with two checks {$400.00} deposited XX/XX/2023 and {$370.00} deposited XX/XX/2023. I use their website XXXX submission portal and attached all supporting documents that I am also attaching to this complaint. I heard nothing from this dispute and assumed they completed the research and applied the payments properly to fully pay the invoice. 
On XX/XX/2023, I received a collection notice from Paragon Revenue Group ( likely a 2nd placement collection agency for the original debt paid to XXXX XXXX ). The invoice was for the same {$770.00} also included in the attachment file. Thanks XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a collections notice of unpaid balance for {$120.00} to XXXX XXXX XXXX from Collections Company Grant Weber. My research showed I paid this through my HSA account. I called XXXX ( HSA account ) and was provided documentation this was paid. I contacted XXXX XXXX, and they stated they would investigate. I never received any further update until XX/XX/XXXX when I received an alert from XXXX of a credit hit. I reviewed this entry and found it was for this amount and Grant Weber for collections unpaid. I contacted XXXX XXXX again, and was told since the debt was sent to Grant Weber I was not able to talk to them. I escalated this with repeated calls and faxes. While attempting to get to the correct person ( over a period of a few weeks between " early XXXX '' and XX/XX/XXXX, on XX/XX/XXXX I received a check in the mail from XXXX XXXX ( not XXXX ) returning my {$120.00}. I followed this up with more faxes and documentation. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX. We reviewed all the details and documents. She was satisfied the check was incorrectly handled on the " XXXX '' side ( should have went as written to XXXX but someone deposited to the hospital ). XXXX stated she would handle Grant Weber collections. I received a letter but they still hadnt removed the credit report. I attmpted to contact them and again requested XXXX to assist. Then I received today still another credit hit ( posting ) from Grant Weber. They do not return phone calls and continue to harass me with credit reports destroying my good credit rating.
Product: Mortgage

THIS IS IN REGAURDS TO MY MOTHERS HOUSE AT XXXX XXXX XXXX XXXX SHE HAS XXXX I APPLIED AND WAS APPROVED A LOAN MODIFICATION IN XX/XX/XXXX XXXX XXXX SOLD TITLES TO HOME IN XX/XX/XXXX. I SIGNED AN AUTHERIZE LETTER SO XXXX XXXX CAN TALK TO ME .I WAS DECIEVED AND LIED TO. THEY SOLD THE TITLES TO A COMPANY NAMED XXXX XXXX  THEY COULDT TALK TO ME AFTER I GAVE THEM MY CONTACT INFORMATION. THEY STATED THEY NEEDED AUTHERIZATION SO I SENT THEM THAT AND THE STATED IT WAS TOO LATE. I CONTACTED THE COMPANY THAT BOUGHT MY MOTHERS HOUSE I WAS TOLD TO CALL BACK ON XX/XX/XXXX I WOULD LIKE THE FORCLOSED SALE REVERSE OR REDEEMED .THIS PROCESS HAS BEEN UNFAIR I WAS TOLD DIFFERENT MAIL WAS NOT RECIEVED. I WASENT INFORMED ON WHAT WAS GOING ON.IF MAIL WAS SENT IT SHOLD HAVE BEEN CERTIFIED WE LIVE IN A NOT SO NICE NEIGHBORHOOD .IF YOU COULD PLEASE ASSIST ME I WOULD BE GREATLY APPRECIATED XXXX XXXX CONTACT INFO ( XXXX ) XXXX
Product: Debt collection

The bill in question is from XXXX and it is over 21 yrs old. My now deceased ex husband opened the account in my name, without my knowledge.
Product: Debt collection

Ive been with Freedom Debt Relief for 38 months and have deposited XXXX into the program with an enrolled debt of about 52000. To this date Freedom Debt Relief is telling me I still owe XXXX. Im asking where did the XXXX go and they just tell me I missed payments but if I gave XXXX I should have more debt resolved than just basically XXXX. I just need answers and I finally stop service but I want my debt resolve or a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX BANK # XXXX, XXXX XXXXANK XXXX XXXX, XXXX XXXX XXXX # XXXX, THE BUREAUS # XXXX, XXXX & XXXX 2011 XXXX XXXX, XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Truist Bank did not pay my Homeowners Insurance as they are suppposed to through Escrow. As a result Insurance Policy lapsed and is not renewable. Old Insurance was {$930.00} and new Insurance is {$3100.00}. Per Truist letter ( attached ) dated XXXX Truist states to reimburse the difference for 2-years ( $ XXXX $ XXXX {$2200.00} per year ). 
I paid directly and sent bill to Truist who refuses to reimbuse me even though they have agreed to in their attached letter. 
Multiple phone calls with no resolution. 
Truist excuse when I call : " Someone will call me back '' - has never happened. 
" Case is closed so we will do nothing ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
13. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to temporarily remove my credit freeze on my credit account with Experian with no success. I have attempted to call them, do it via the website, ect. I am getting an error message and just need to update the phone number on the account to remove it so that I can lease a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retaliatory, discriminatory, unethical business practices should be investigated. How is it in XXXX Transunion reported I owed XXXX XXXX approximately. After writing the CEO or Multiple complaints the amount changed to XXXX to XXXX additional different amount this past year. XXXX falsified a letter with an address that was never my address stating they gave me an option to buy back the vehicle. Only after in XXXX I detailed all of the Texas State violations they were guilty of. They regurgitated my violations in the so called letter. I paid of my current vehicle instead of improving My credit Transunion union reclassified XXXX on XX/XX/XXXX as delinquent auto. Where is this legal or ethical? In one year I successfully had 4 collection items removed multiple debts paid in full and Transunion refuses to increase my credit score, I dont know what else to submit for an investigation. My only alternative is to sue.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting acXXXX XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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

Subject : Urgent Request for Removal of Fraudulent Accounts in Litigation Dear XXXX, Equifax, XXXX I am writing to formally dispute several accounts appearing on my credit report, which are not accurate and are associated with ongoing litigation. These accounts are fraudulent and linked to a trust account, which is currently under legal dispute. These inaccuracies are damaging my credit profile and must be corrected immediately. 

Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are part of a legal bankruptcy proceeding, and their continued presence on my credit report is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be removed immediately to prevent further harm to my credit profile. 

Failure to remove these fraudulent accounts promptly may result in legal action against your bureau for willful non-compliance, including the pursuit of fines and penalties. I expect immediate correction and confirmation of these changes within the legally required time frame. 

Enclosed are supporting documents pertaining to the ongoing litigation. I trust that you will act promptly to rectify these errors and remove these accounts from my report without further delay. I have also included the fraud FTC report XXXX  XXXX Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and the actions taken to resolve it as soon as possible.
Product: Credit card

Over the past year synchrony bank has steadily and consistently lowered my credit limits on my accounts with them despite never having missed a payments and even paying early in most cases. they even went so far as to close an account which again never showed one late payment on any of the accounts I hold with them. I have contacted them several times and inquired as to why just to get vague answers that make no sense... something about not having a mortgage loan which is false... and something about utilization and late payments with other creditors which has nothing to do with them and i dont have late payments on any of my credit cards. While I totally understand that banks can lower credit limits I find it very unfair and deceptive that they decide to do this the same day that they report to the credit bureaus... ..you have no recourse to pay the card off or further pay it before they then report you to the credit bureaus negatively as high utilization or over limit when the only reason this is the case is because they lowered the limit. Doing this tanks your credit score. Im fairly certain that they full well know they are going to lower the limit earlier on in the month and that you should be notified asap so that your score isnt tanked because of what they did... .giving you the option to fix the issue before reporting you in a negative light
Product: Debt collection

They are not trynna remove it off my credit I have not had no vehicle like that in years, also the person is deceased who was he ping me pay on it I never received anything by mail that I owe anything they keep harassing me almost every day
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received some letters regarding some inquiries with citi group, AXXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for them.
Product: Debt collection

XXXX XXXX XXXX is a company I've never used before and tried to get removed a couple of years of ago not sure what to do to get this debt removed the account shows opened in XXXX 2022 now and ive definitely haven't had XXXX XXXX XXXX  since or even before than
Product: Credit reporting or other personal consumer reports

This company ran my credit in XXXX WITHOUT my contest or knowledge. I had no knowledge of them running my report at the time. They also had NO permission to do so.
Product: Credit card

I am appealing the XX/XX/XXXX dispute response that denied a {$300.00} credit to my account. I never received medical supplies from a merchant. I asked Comenity to assist me when the merchant was not helpful with a refund. I waited over 8 weeks for these medical supplies that have still not arrived. Unfortunately, Comenity denied my request for a {$300.00} credit because I failed to provide proof of cancelation. However, this is a circular logic. I was contacting the credit card company for help because the merchant made it impossible to cancel the order. I have spoken to multiple representatives at the Bread Cashback American Express Card offered by Comenity. I have posted multiple responses in the online message center. Unfortunately, I am still out {$300.00} with no merchandise. The Bread Cashback American Express Card offered by Comenity has prematurely denied my request for a {$300.00} credit. I was able to purchase the medical supplies from another vendor and recovered from my procedure. I no longer have a need for these items.