23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rephrase the following I am writing to file a formal complaint against FirstPoint Collection Resource for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently discovered that FirstPoint Collection Resource has reported an alleged debt onto one or more of my Consumer reports with the consumer reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to consumer reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. The specific details of my complaint are as follows : 1. Alleged Debt Reporting : FirstPoint Collection Resource has reported an alleged debt to one or more Consumer reporting agencies without any prior communication or attempt to contact me regarding this alleged debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 2. Lack of Verification : Without any prior contact or attempt to reach me, FirstPoint Collection Resource has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Wells Fargo to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, Wells Fargo did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why wells fargo is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the metro 2 task force to further help with the investigation of this inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all XXXX credit bureaus asking them to please fix any inaccurate identifying information within my Name, Addresses and phone numbers sections of my 3 credit reports. 

XXXX fixed the errors and sent me a new current and updated credit report. 

TransUnion has NOT removed an address from XXXX that needs to be removed ASAP. 

I sent all 3 letters via certified mail on XXXX *** I am still waiting for the response from XXXX as of today ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 


Review the Following : XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance
Product: Debt collection

I do n't owe this debt. It was paid before I transferred my XXXX XXXX XXXX account to my new residence. Credence calls me multiple times per day and is pushy on the phone despite me requesting multiple times not to call. They call my girlfriend, who did n't even live at the residence they have on file, and ask for me. It concerns me how they got her information.
Product: Credit reporting

Case XXXX XXXX University COLLECTIONS DEPARTMENT HAS RUINED MY CREDIT WITH AN INACCURATE CREDIT REPORT. To BOTH Equifax saying my debt was over XXXX dollars and XXXX same starting debt then follow up reports on that debt that still are wrong. XXXX actually owes me money because I was a XXXX XXXX and Housing regulations say I stay until Graduation with no late exit charge. Also XXXX charges ridiculous amounts for " alleged '' cleaning and XXXX ( E Mail for Collection agent ends in XXXX so he works for XXXX and is not independent and Harasses many times a day STILL including my cell at work for XXXX. DESPPITE his billing charges differing from XXXX XXXX Billing Charges
Product: Mortgage

I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.
Product: Debt collection

Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.
Product: Consumer Loan

My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, but my credit report shows an outdated address as 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. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Checking or savings account

On XX/XX/2020 I accidentally / by mistake sent {$400.00} to a wrong account. 
I called chase immediately to tell them I had mistakenly sent them to a wrong person if they can cancel the pending payment and return the money to my account so that I can send them to the right person. And chase has refused to give me the {$400.00} back. They allegedly said the person who received the {$400.00} transfer was negative so they used MY MONEY to pay their negative balance. I have tried to reach chase over 4 times and each time they say they paid SOMEONE ELSES NEGATIVE BALANCE with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX Card Ending : XXXX I closed one of my Blue Cash preferred account. I paid my membership fees for the year, when I cancelled the card, it wasn't the end of the year, so when I closed it, they prorated my membership fees and I ended up getting a refund of about {$100.00}. Everything was good and there was no issues. Few months after, I get a letter from them saying that I owe {$6.00}, called them, they said it is interest, from here to there, they said they are going to waive it and they did. Few months after, I get a notification from XXXX that a delinquent account was added to my record and when I checked it was the AMEX closed account. How did this affected me? my credit score declined by 90 points. I called AMEX multiple times, they transferred me from one line to the other and nobody helped me, I was caught in a limbo. Please assist me with this, I don't know where to go with this. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency XXXX XXXX /XXXX XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for Experian
Product: Debt collection

Currently have a active complaint for debt collector known in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. XXXX XXXX XXXX XXXX XXXX no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
Product: Debt collection

I HAVE MADE NUMBEROUS ATTEMPTS TO VALIDATE A DEBT THAT XXXX, XXXX, XXXX & XXXX, XXXX HAS FILED A LAWSUIT AGAINST ME ON BE HALF OF THEIR CLIENT LVNV FUNDING LLC. I ADVISED XXXX, XXXX, XXXX & XXXX THAT I HAVE BEEN AN AUTHORIZED USER ON ACCOUNTS WITHIN MY FAMILY. I ADVISED THEM ALL THOUGH I DO RECOGNIZE SOME OF THE CHARGES ON THE CREDIT CARD STATEMENT, I WAS REQUESTING THE ORIGINAL CREDIT CARD AGREEMENT WITH PROOF OF MY LEGAL SIGNATURE. THIS WOULD PROVIDE PROOF THAT I AM THE ACCOUNT OWNER AND NOT AN AUTHORIZED USER. I WAS ADVISED BY XXXX, XXXX, XXXX & XXXX CUSTOMER SERVICE THAT THEY DO NOT HAVE TO PROVIDE PROOF AS REQUESTED. I FEEL THIS IS AN UNFAIR PRACTICE ON THEIR PART AND THEIR CLIENT NOT TO PROVIDE PROOF OF ACCOUNT OWNERSHIP. IN ADDITION, I ADVISED THE LAW FIRM THAT THEIR CLIENT HAS IN THE PAST TRIED TO COLLECT THE SAME DEBT USING A DIFFERENT DEBT COLLECTOR AND FAILED TO PROVIDE PROOF OF DEBT OWNERSHIP. ( PLEASE SEE ATTACHED DOCUMENTATION.
Product: Mortgage

My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.
Product: Debt collection

XX/XX/2016 XXXX occurred on my Credit in the amount of {$1200.00} Aa which I did not open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY NICHOLAS FINANCIAL INC # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Credit card or prepaid card

XX/XX/2020 - Encountered numerous fraudulent international transactions emptying my account balance of {$10000.00} including {$190.00} of international transaction fees incurred in this activity. 
XX/XX/2020 - XX/XX/2020 - Several calls to file claims to resolve fraudulent transactions and was told the investigation would be completed by XX/XX/2020. 
XX/XX/2020 - Credit to balance applied to current balance {$9900.00} ( fees have not been reversed ) XX/XX/2020 - Have not received any correspondence about completion status of investigation. 
XX/XX/2020 - Called to inquire status of investigation, advised it was still open. I indicated fees {$190.00} were still outstanding and had yet to be reversed and was told the bank has to do that. 
XX/XX/2020 - {$190.00} fees have yet to be reversed and I have not yet received notice of completion of investigation.
Product: Student loan

I have attached supporting documents. In XXXX, I submitted a borrower defense application to cancel the Navient student loans I had from attending XXXX XXXX XXXX XXXX the student loans defaulted in XXXX. I have not made payments on those loans since XXXX. Navient kept placing the loans into forbearance without my consent stating it was automatic forbearance due to the covid 19 pandemic. After the multistate settlement was complete, Navient refused to cancel those loans stating the loans defaulted in XX/XX/XXXX. I have attached supporting documents and emails to prove that Navient purposely placed the loans into forbearance to prevent cancellation, my last payment on those loans was in XXXX. The borrower defense application was recently approved for my federal loans from XXXX XXXX. The attached documents prove the private student loans with Navient qualified for cancellation under Navient AG Settlement, which qualifies for cancellation if loan had 7 consecutive late payments or default. instead of cancelling the loans, Navient keeps reporting the student loans as " charge off '' on my credit report. Ive also attached a copy of Navients representatives response to my complaint to the TN attorney generals office, she falsely claims the loans were not cancelled because they did not default until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLCis reporting I owe a debt of {$3800.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : XXXX XXXX : XXXX XXXXXXXX XXXX {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

Equifax : XXXXXXXX XXXX XXXX XXXX {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

XXXX XXXX XXXX XXXX {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.