23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

they keep contacting me.. this debt was written off and as of today XX/XX/year> i am still receiving harassing phone calls. 
This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease all communication with me regarding account number XXXX XXXX. I have previously requested that you stop contacting me, yet I am still receiving calls. Per 15 U.S.C. 1692c ( c ), this letter is a reminder of my right to request a complete cessation of communication. 

Additionally, I am requesting that you remove this account from my credit report with the three major credit bureaus ( XXXX, XXXX, and XXXX ). It is my belief that continued reporting of this account is inaccurate and damaging, as I do not believe I owe the amount in question. Furthermore, this request is to resolve the matter fully, and the removal of this collection will prevent any need for further disputes or legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX  is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.
Product: Debt collection

XX/XX/2013 {$180.00} I am currently disputing.
Product: Credit reporting or other personal consumer reports

I am a victim of ID THEFT and information that is a result of fraud crime is appearing on my credit bureau report with Equifax. I have mailed equifax several times the fraud block request for this accounts and inquires and Equifax has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IN THE XXXX  AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE XXXX AREA.
Product: Checking or savings account

On XX/XX/XXXX, {$3900.00} was taken out of a checking account to pay rent according to a bill pay request- in other words, Captial One was to issue and mail a physical check via online bill pay. Capital One represented that the {$3900.00} rent payment would be received well before XX/XX/XXXX. By XX/XX/XXXX, the landlord had still not received the bill pay check. On XX/XX/XXXX, tenant wrote a paper check to the landlord and I called Capital One to stop payment on the XX/XX/XXXX check that had not been delivered. 

- On XXXX, Capital One customer service stated they can't do a stop check, but instead process this as a dispute. I confirmed that I wanted to dispute the XX/XX/XXXX check, both through the on-line portal and by phone with the customer service agent. The {$3900.00} was not returned to the checking account. 

- On XX/XX/XXXX I called again, and I was told the XX/XX/XXXX check had not been cashed. However, this time customer service said it could take up to 10 business days to review a dispute. 

- On XX/XX/XXXX I received a notice denying the dispute, but referencing the wrong bill pay/check, not the XX/XX/XXXX check. That same day I called the number listed in dispute. I was erroneously told that there was no claim on the XX/XX/XXXX check, even though the online system showed that a dispute had already been made. A Capital One employee stated that the check would be stopped, the claim was now filed, and some money should be credited to the account within 1-3 business days, though the dispute itself would take 10 business days. The representative stated the check had not been cashed. 

- By XX/XX/XXXX no money had been credited to the account, so I again called customer service. This representative said that she could not stop the payment, and that there is no phone number for the department that is able to do so. She confirmed that the check has still not been cashed but that I will have to wait up to 10 more business days for a dispute to be resolved without any of the {$3900.00} being credited back to my account. 

I think it is an unfair and deceptive trade practice for Capital One to market their bill pay feature as " printing a check for you '' when in fact they take money out of your account immediately, hold that money in their own float account, issue a paper check on their account, and refuse to allow a stop check or return the funds for, in this case, nearly a month. This is particularly concerning when Capital One has repeatedly verified that the check is not cashed and is well-past the delivery date. I have to ensure that there is effectively an extra {$4000.00} in my account so as not to overdraw.
Product: Credit reporting or other personal consumer reports

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, EXPERIAN, XXXX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX.
Product: Debt collection

This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX
Product: Debt collection

I received a letter stating that i lost a lawsuit, the plain tiff is velocity investments llc. The process server they used lied about serving me and changed his statements about this, I have proof of this. The plain also used a false address so I missed my window to file a new motion. However I was able to get a Petition for review on this matter. The plaintiff knew what they were doing by using an address that I did not live at so they could deceive the court into thinking i had info about this case. 

If you see the attachments the affidavit is different from the statement they gave. Also it states i am XXXX to XXXX XXXX pounds, I am XXXX and XXXX pounds, license is attached, further more they stated my hair is XXXX it is XXXX XXXX. Attached you will find documents showing this. The attorney and the collection agency should be sanction for this. 

Now this a picture of my husband he is XXXX, just to show context..
Product: Credit card or prepaid card

We received a collection letter for a Bank of America credit card that we never received and did not apply for. We went to Bank of America regarding the problem. They discovered that a card was issued in the name of XXXX XXXX XXXX, with the correct social security number, but none of the other information was correct. The address used was in New Jersey, but we have never lived in New Jersey. The telephone number and email address did not match with anything we have ever used. We never received a statement or a bill for this card, but are being told by a collection firm that we have a balance due of {$17000.00}. We are disputing that amount with Bank of America and they have already begun a fraud investigation. We are also placing fraud alerts on our credit reports and have requested copies of credit reports be sent to us. We submitted a police report but will not have a copy until approximately XX/XX/XXXX.
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX  and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations.

Best regards, I remain
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and let them know that I have two accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX. There is also one inquiry from XXXX that I did not do.
Product: Debt collection

XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. 

I hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments!
Product: Debt collection

I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.
Product: Debt collection

I never received notice of this debt until I checked my credit report stating it was in collections plus this debt was already in my debt management program.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. TransUnion and XXXX score dropped to XXXX. The following week, XXXX updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.
Product: Debt collection

Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX, my Chime bank account was hacked by XXXX people, XXXX and XXXX XXXX, with the email XXXX. My phone number and password were changed without my consent, and by the time I was again able to access my account, it had been drained of the XXXX that was remaining intended to pay bills and the final portion of my rent. I'm on social security for my XXXX, and would never compromise my living situation by giving that money to anyone. I contacted Chime to file a dispute, and within XXXX hours, I was told that no error was made. I filed a rebuttal, and was again told no error was made. I filed a third dispute, providing screenshots of the conversation with the person that took my money, where they ADMITTED they'd taken the money without my permission, admitted they never scam people unless they were trying to help them, and was AGAIN told no error was made. This situation has caused an excessive amount of stress, and left me unable to pay bills.
Product: Mortgage

I applied for a Loan Modification ( third time in a year ) with ShellPoint XXXX XX/XX/year>. 
Trial period was accepted for XX/XX/year> - XX/XX/year> Payments were made each month, including additional payments on XX/XX/year> and XX/XX/year> XX/XX/year> Payment was rejected XX/XX/year> No documentation was received concerning the reason for payment rejection or Loan Modification status, no communication since XX/XX/year>. 
Three phone numbers provided for contact with Shellpoint, ( XXXX and XXXX, XXXX ) all are unanswered with the message " Your call can not be completed at this time '' This has been a recurring problem during the entire one year process.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX is reporting fraudulent accounts on credit profile with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX did an investigate deleted all of these items. I am victim of identity theft which I do have a personal statement on. my credit profile stating this and I turned in a FTC to show them and a police report. I even turned in a letter I gotten from XXXX about them removing the account from my credit report. I want theses accounts to immediately blocked and removed from my credit report. Legally I can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Debt collection

XXXX XXXX XXXX obtain a judgement without my knowledge, my due process was violated. XXXX claims I was served 2 times, both to different individuals that do not live at the address or do not excist, eventually XXXX petition for a clerks judgement and got it, all without me knowing of a court date. Or a chance for me to respond to the summons. When I recived noticed of this judgement I contacted XXXX XXXX XXXX to discuss and even offer to settle, XXXX, the owner was very unprofessional and threatening he said if I tried to fight them he will continue to add more attorney fees to the account, this account was from 2012 from a XXXX XXXX XXXX when I was in the XXXX   academey. It's a fund XXXX county provides XXXX   to help during the first couple of weeks of training due to the extended wait for our first pay period, I was hurt during my training and had to drop out, I was told I didn't have to repay the debt since I was out due to injury.overall this collection company violated my rights and defrauded the courts in order to get a judgement on me an damage my credit rating, I also hold a government XXXX XXXX with my employer this is threathing my job as well can you please look into the type of business these people run, I have read many complaints on this company and their shady business practices and how they have victimized many other people the same way
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Is Erroneously Reporting 5 Commercial loans as personal conventional loans on my personal credit. These loans SHOULDNT be reporting on my personal credit. I have attempted to correct this issue with Shellpoint, and they have assured me that these loans will be deleted from my credit, but it has not been done. I received a letter from the compliance department substatiating that an error has been made, and that they will correct the error. They have corrected 1 loan, but continue to report 5 commercial loans ( please reference the 5 loan statements attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$2000.00} You can not collect a debt twice ... 

... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..