23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.
Product: Prepaid card

This is fraud as well. Between XXXX, my personal information was being used by some unidentified person. I got a XXXX card to have my XXXX payments direct deposited on to it. When I would go to get my funds, the funds disappeared. The funds that were in a pending deposit status disappeared and there were several unauthorized transactions on my card. I had only XXXX card. Now as I am attempting to rectify the situation with all that has been damaged by this, I requested a copy of my statement. I was told by customer service that there was XXXX cards in my name. Obviously, I never had XXXX cards. I requested the statements approximately 2 months ago and the company continuously makes excuses as to why I can not retrieve them. Under the statue of limitations, financial institutions are required to keep statements on file for 7 years. I was then told because my account was closed I could not get the statements. This was all after I was first told I would receive them via e-mail within 48 hours. I later received an e-mail stating they needed documents from me after they had verified my information. I refused to give out personal information to a company that stole my money. A representative in the corporate office named XXXX XXXX contacted me and told me they needed the documents due to the fraud on my account. They know there was fraud but they never paid me for the fraudulent transactions or the money that was taken. XXXX told me as soon as I sent the information he would release my statements. I sent the information immediately and received an e-mail stating they received my information and I would have my statements within 48 hours. Again, I waited and no statements. I contacted Netspend yet again via e-mail. My e-mail went ignored. I e-mailed XXXX XXXX directly and that e-mail went ignored. Finally when I told him I would be filing a complaint he said they did not receive my identification which is a lie. At any rate, I sent over my identification again. XXXX then said the attachment was blank. Another lie. I sent it again and then followed up with an e-mail. XXXX ignored my e-mail and has not responded. Evidently, they do not want me to see the transactions and realize it was them themselves who stole the money. I have read about the same thing occurring with other people with this very same crooked company. i asked XXXX why he would n't just make good on the money taken. He did not respond. The bottom line is XXXX stole money from my card, made false transactions and will not supply me with my statements that I have been requesting for two months or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, has violated my rights. 

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
Product: Debt or credit management

I have repeatedly asked this company for debt validation or verification, and they have not provided any information at all. This collections is regarding a move-out payment however a copy of the lease can not even be provided verifying the outstanding balance. I have requested verification XXXX times over the last year, and they refuse to provide documentation of the debt.
Product: Checking or savings account

Wells fargo closed account someone deposited a check into my account i called fraud but instead i was responsible for the overdraft fees and they closed my account without doing a investigation
Product: Credit reporting or other personal consumer reports

Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX
Product: Checking or savings account

I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.
Product: Credit reporting or other personal consumer reports

Please see attached docsfuments. Do not close this complaint stating it is not me. I am a natural person and a conljsumer.
Product: Debt collection

Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.
Product: Debt collection

Had a collection/Charge off with Barclays bank. I called in on XX/XX/2019 and paid/settled the account for {$1300.00}, reference number : XXXX. I was told that I would receive a final settlement letter showing that the balance had been paid, and that my credit report would be updated within 3 months reflecting a {$0.00} balance. I never received a settlement letter, and my credit report is not updated. I called the company on XX/XX/2019 and they stated that there system shows a letter was never sent out. They also stated that i am not the only one that this has happened to.
Product: Payday loan, title loan, personal loan, or advance loan

i received a loan for {$2000.00} dollars on XX/XX/year>. i was to pay {$34000.00} every XXXX weeks. i paid XXXX payments of {$340.00}. I paid off my loan on XX/XX/year> with a payment of {$1800.00} as this is what was shown as my loan payoff on there site. Fineday funds still debited my account for {$340.00} on the XXXX of XXXX. I have emailed fineday funds showing them their app and site showing i had a {$0.00} balance twice. i emailed them and showed that the their site shown i had no payments left and the loan was paid off. I have called 3 times snd asked to be reimbursed, but was told i only paid my loan down and i still have to make payments. i have paid off my previous loan with fineday funds early and the exact same way, but this time they say that i still owe money and they will continue to debit my account. I have no choice but to file this complaint and hope that i can stop my account from being debited and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. 

This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

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

I was trying to refinance a vehicle that I am currently financing through American Honda Finance to a credit union and my credit report was not showing my history for the vehicle I was financing as a cosigner for four years. 

This vehicle currently has an outstanding balance that I would like to refinance to get a lower interest rate considering I have paid four years with AHFC to improve my credit with the major purchase. 

I contacted American Honda Finance to ask why my credit was not reporting to credit bureaus and they responded with an email documentation stating that the trade line for my account was deleted and is no longer reporting with one or more of the major credit bureaus ( XXXX, XXXX and XXXX ). AHFC is updating some of its systems which resulted in the credit bureaus deleting certain accounts impacted by the systems update, my account being one of many.
Product: Credit card or prepaid card

XX/XX/XXXX I contacted the CareCredit company to send the XXXX to my new address, so that once it was mailed, I could activate it. I was away for school and once the semester finished beginning of XX/XX/XXXX, I returned home to get the card from my mail and activate it. It said the account was closed on XX/XX/XXXX because the activation period had passed. I contacted the company to reverse this decision and reinstate the card so I could activate it seeing as I had the card in my hands, but they refused to do so and gave me the run around. I have paid my bills on time always with the company, and just want to use my card. It is not my fault there is a delay in things getting sent in the mail, and it is not my fault when there is a hectic semester and I can not travel back and forth between home at my convenience, nor is it my fault if it is difficult to mail sensitive documents and items back and forth when it is better for me to access these things in person.
Product: Debt collection

This is a formal complaint against Phoenix Financial located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Consumer Loan

I acquired an auto loan for a defective vehicle, once I found the vehicle to be defective beyond repair I returned it to the auto dealer who accepted the title and car. The bank Credit Acceptance however has kept my first payment and keeps refusing my requests to even speak with a manager about the loan reversal, which has been in processing since XX/XX/XXXX. Id also like it struck from my credit report as I 'd like to be able to apply for another loan from another company and lease a different vehicle from a different dealer but can not until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-paid off in XXXX  : XXXX balance, never late, not charged off-please delete line from Transunion & XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. KIndly help me remove the items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 The attorney representing the apartment complex and I settled this matter in evictions court. The attorney stated that his client ( XXXX XXXX  ) and himself is not seeking any money but is seeking possession of the premise. I agreed to surrender control of the apartment in return for no money judgment. I tried several times to pay the amount that was past due before going to Eviction Court, but each attempt was refused. The collection amount that is now on my credit report is preventing me from moving forward financially. The collected information is reported under XXXX XXXX XXXX for the amount {$3500.00}.
Product: Credit card or prepaid card

I received a BofA text alert regarding a charge at XXXX XXXX while at a hockey game. I replied saying it wasn't me, BofA claimed to restrict the card and then allowed 3 more charges to go through. The next morning I went through the charges on the app and stated I had the card with me. BofA reviewed and denied the claim even though I was at the game and stated I was not making the charges.
Product: Checking or savings account

In XXXX of XXXX i noticed & immediately reported XXXX fraud charges on my debit card apparently made via XXXX as well as XXXX XXXX withdrawal also not from myself. Keybank then advised me to close the checking account entirely as someone clearly had full access to it, which i did. I then waited XXXX weeks for my money to be reimbursed to my account as i was told the fraud needed to be investigated. I eventually got the {$180.00} in paypal transactions as well as the {$50.00} XXXX XXXX refunded. Nearly 3 months later at the end of XX/XX/XXXX I saw the same XXXX transactions removed from my now new checking account. When i called to report this thinking it was fraud again Keybank told me they had redone their investigation & essentially decided i lied & took back my money they had reimbursed me. I immediately reopened this claim. Its now been over XXXX weeks & i have heard nothing from Keybank & nobody can give me answers when i ask.
Product: Mortgage

XXXX XXXX sold our loan to Fay Servicing. XXXX XXXX did a loan notification before loan was sold. Fay Servicing states that they dont have loan modification papers from XXXX XXXX and XXXX XXXX states they have sent it to them. We have been paying the modification payment since they took loan over but the statements coming in shows we havent been making payments when they draft the monthly payments from my XXXX  XXXX XXXX checking every month. Then they state they since the modification is now over in which they had no record of the payments will go up XX/XX/XXXX, but said the we are in pre foreclosure at the moment. They also sent XXXX a new modification in the mail for us to sign which makes the loan stretch out to XXXX when we only owe XXXX on the home and will be paid off in 5 years. We have to fight them to accept our payment every month. We need help.
Product: Payday loan, title loan, personal loan, or advance loan

I couldnt afford my loan with heights finance they took me to court I thought I been paying off the agreement we made for there was no judgment but when it kept reflecting negative on my credit report I emailed them. And they said even though they took me to court it still adds interest and fees monthly even thought Im paying the agreement there still acting like the account is open
Product: Credit reporting, credit repair services, or other personal consumer reports

My state tax lien is being reported on my XXXX & transunion credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
Product: Debt collection

Keeps contacting family. I do not have any debt. Will not stop calling me or my family.
Product: Debt collection

Genesis Credit management company has contacted me a number of times indicating that they are collecting a debt regarding for a property management company for an apartment I lived in from XXXX of XXXX - XX/XX/XXXX. I initially received a notice indicating that I owe {$830.00} to XXXX XXXX XXXX. Then I was told I owe over {$1000.00} to Genesis Credit Management. I've spoken to them on 2 separate occasions trying to understand why they believe I owed this amount of money and trying to determine a manageable payment plan while still disputing that I owe anything. I asked why the amount owed jumped from {$830.00} to 1060. One representative told me that they could settle for {$840.00} if I paid that day. The 2nd representative I spoke with today told me that the additional fees were interest fees. I advised that it's not customary for a debt collector to charge interest fees. He indicated that it should state that in my lease. I found my lease. I do not see that it mentions any sort of interest payments on a default in payment. When I told him that I felt I was being bullied and that there was no way I could come up with a lump sum payment of $ XXXX dollars, he twisted my words stating that I said I would never pay anything. If you listen to the " recorded line '' that he references, I state several times that I'm willing to pay what is owed. I requested for the 2nd time with the first being a phone call a month or so ago, an itemized list of what damages are being requested. He confirmed my email address, and told me that he would send me that document. I have received nothing. I'll also note that the company that they are alleging to collect the debt on behalf is no longer managing the apartment complex. I've reached out to the current management company, but they have no records of anything prior to their taking over that property. Therefore, there's no way to know if whatever document they supply is valid. I assert that Genesis Credit management is engaging in unethical business practices. They are trying to force me to pay a debt that they can't prove that I owe. They are charging me " interest '' when there is no documentation of them having the right to do so. They are using their ability to produce a derogatory remark on my credit to make me overextend myself financially to pay a debt I likely do not owe nor can they prove that I owe and have the audacity to charge " interest '' on said debt. This can NOT be acceptable. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened  XX/XX/XXXX . I discovered it by signing up with  XXXX   XXXX .  XXXX  is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he  repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for  XXXX  in  XX/XX/XXXX  and the account closed about 1 year later. I have never applied for anything with  XXXX  or  XXXX   XXXX   XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from  XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in  XXXX , GA. I have not and do not live in  XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. Thank you.
Product: Prepaid card

BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.