23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX by phone and e-mail on three separate occasions concerning a claim sold to his company. Mr XXXX indicated that he was attempting to collect on a debt he believed I owed to XXXX XXXX for damage caused to a gas line on my property. I informed Mr XXXX that I did not cause damage to XXXX 's gas line and that I was not going to pay a third party bill collector to satisfy damage that I am not responsible for. I advised him that these charges were applied to my account because the gas company billed it to the account associated with the property where the damage occurred. 

Today I replied to XXXX XXXX e-mail and told him who I thought caused the alleged damages as he requested based on photos he sent me of a vehicle that hit a line causing the damage. I told him it was not my vehicle and I was not the responsible party. He became abusive in his language and threatened to sue me personally. I made it clear to him on multiple occasions and in writing today that he was attempting to collect a debit in error. 

He stated that he would continue to call every 5 days until I admitted to the charges and paid his company the debit balance and {$150.00} to collect the debit or they would file suit and incurr additional legal fees. He said I was responsible for tracking down the person or persons who did cause the debt. He also stated that I could then sue to recoup the {$150.00} in fees, {$1200.00} in damages and {$2000.00} in threatened legal fees from the responsible party after I paid his company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXXXXXX Balance : XXXX
Product: Mortgage

The complaint and supporting documents are attached.This complaint is against Bank of America, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of America. See complaint number XXXX.On XX/XX/XXXX, Bank of America responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of America. The letter also instructed me to contact Bank of America with any questions. Exhibit APursuant to the letter, onXX/XX/XXXX, I contacted Bank of America and asked for the contact information of its legal counsel in the “adversarial proceeding” referred to in Bank of America’sXX/XX/XXXX letter. See, Exhibit B. Bank of America received my request on XX/XX/XXXX. See, Exhibit C.I have received no response from Bank of America to what would seem to be a very simply question. Does the CFPB not find it odd, that Bank of America will not identify the “adversarial proceeding” it claims to be engaged in, that prevents it from answering my complaint? Further, is it not odd that Bank of America will not provide the contact information of its legal counsel in that alleged “adversarial proceeding?”I am asking that Bank of America identify the “adversarial proceeding” that it claims to be engaged in, that prevents it from answering my complaint. Further, I am asking that Bank of America provide the contact information of its legal counsel in that “adversarial proceeding.”
Product: Credit card or prepaid card

someone opened credit accounts with my identity and got a car loan as well BARCLAYS BANK DELAWARE XXXX {$8600.00} XXXX XXXX XXXX XXXXXXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUST Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXXXXXX Open options Account # XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX XXXXXXXX Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Debt collection

I asked for verification of the debt within the 30 day window of first being contacted. The collection agency then mailed me what they considered the verification information. I then wrote them again, asking for more information about the alleged debt while I investigated myself. They reported the collection to the credit reporting agencies within one week later, without me even having the opportunity to rectify the debt with it damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request several times already to address the inaccuracies in my Credit Reports. This company, XXXX XXXX XXXX XXXX  XXXX, is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Mortgage

Hi, i paid off the loan in full in XXXX XXXX. I tried to get an loan on my property the bank told me still have mortgage on the it. I went to county of XXXX XXXX still shows the loan has not paid off.
Product: Debt collection

The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.
Product: Checking or savings account

Some one opened a Checking account with Wells Fargo under my previous married name. I was able to get into the account, change the password and contact Wells Fargo and report it as fraud. I received the debit card in my mail last date, which worries me that the subject may be someone I know and will be coming by my house to retrieve the debit card. User name used to open the account is XXXX. So far Wells Fargo has taken the steps to correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed the attached dispute letters to XXXX and Experian via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( XXXX XXXX XXXX  are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian Account : XXXX XXXX XXXX Account : XXXX Acct XXXX XXXX
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, they said I had a zero balance on my student loans because of proof of a XXXX. Every year they open it back up again after I sent them medical proof and my social security XXXX proof of XXXX. I am suppose to have a XXXX balance on all of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but XXXX  indicated something were disputed but I never received information on those items via mail or email. XXXX  indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well
Product: Credit reporting 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. 
Account Name : XXXX Acct # 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 an 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 ( s ) 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 accurate.
Product: Vehicle loan or lease

I applied for a car loan from wellsfargo in XX/XX/2022, the amount of which is XXXX. The company deducted my money from my bank account for several times on XX/XX/XXXX and XX/XX/XXXX respectively, and the amount was XXXX. The company deducted my money for interest on the loan repeatedly within a month. And after deducting the amount of XXXX for two times, it still shows that my outstanding amount is XXXX. They miscalculated the amount of my loan. The company cheated the consumer by repeatedly deducting my money as interest on the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the account which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$760.00}.
Product: Credit reporting or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This was the inaccurate account that I want them to correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below letter was sent to XXXX XXXX Vice President of Customer Interaction. 

I am writing you this letter that I am also forwarding to the XXXX Department of Consumer Affairs, NJ Department of Consumer Affairs, and the Federal Trade Commission. On XX/XX/XXXX I requested a forbearance that would last until XX/XX/XXXX. I called in and spoke to a representative to find out about paying off my loan in full and was told I would receive a letter in a few days. During this time XXXX put a derogatory mark on my credit report for 6 months of missed payments instead of stating I received a Covid relief forbearance. This caused my credit score to go down over XXXX points. 

I called on XX/XX/XXXX and spoke to a representative to state that she had put in a credit reporting request to have it investigated. I called back today XX/XX/XXXX to follow up with the investigation and was hung up on by two of your reps, but I am sure they will state the phone call got disconnected. If it did, why didnt either one of them call me back since my phone number is verified each time? I was told by the second representative that because I didnt pay the full amount I am delinquent, but the letter I received about the forbearance does not state that. I explained that I made a {$500.00} payment and wanted to know what my options are to get out of arrears. I want to start making regular payments again. I would prefer not to go back into forbearance or a deferment. If only your customer service representatives would stop hanging up on me. I am extremely disappointed that during Covid your company would rather impact credit reports instead of helping your clients. If you look at my payment history you will see that I was not in arrears when I started the forbearance. 

I am forwarding this letter to the XXXX, NJ Department of Consumer Affairs, and FTC because I know I am not the only person affected by this. If you look at your reviews online at XXXX and XXXX you will see that other customers have been impacted. I believe this company should be investigated because no one should have to go through this during Covid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC assumed all financial and legal responsibilities for a XXXX XXXX Carriage Manor Doublewide mobile home ( vin # XXXX & XXXX ). This mobile home was in my name XXXX XXXX, with XXXX mortgage was the leinholder ( acct # XXXX ). All paperwork was signed and the transaction complete. My 1st notice of problems with this transaction came in XX/XX/XXXX. Upon notification of a XXXX point decline in my credit score. Further investigation led me to contacting the reporting delinquent company was XXXX lending. I was told the account XXXX was solely in my name that XXXX XXXX was no where on the paperwork as owner/responsible party. At the time the account was 3 months delinquent causing the direct decline in my current credit score. XXXX was contact by me to inquire as to why this property had not been transferred out of my name and into their company 's or LLC. I Spoke to a " XXXX '' who assured me this was an oversight and would be rectified and followed up with an email stating those months that had been late, but the payments had been made bringing the account to current status. She assured me via phone conversation, her company would be working with the lending company to restore my credit standing. That did not happen, I was at the mercy of both these companies. I felt I had no other recourse but to continue to maintain current on time payments on all other credit accounts to slowly rebuild my score back to the normal XXXX. 
Upon applying for a homeowner 's loan today, I have been confronted with the exact same problem only now the loan on the mobile home has been purchased by ShellPoint MTG who are currently reporting delinquency to the credit bureau negatively affecting my score in which ultimately reflected in my DENIAL for a homeowner 's loan. ShellPoint explained in almost the exact wording of XXXX ; this loan is solely in my name no other company listed as the responsible party. My name, but XXXX XXXX XXXX XXXX XXXX mailing information. Per the ShellPoint rep ( XXXX XXXX ) XX/XX/XXXX payment was made on XX/XX/XXXX exactly 39 days late, XXXX payment has not posted making XXXX payment 17 days late. My credit score has gone from XXXX to XXXX and now currently at XXXX due to the negligance of the company. I attempted to speak with XXXX Discount in reference to this matter, I was told once again by " XXXX '' all payments were made and made on time and that she did not know why this was still an issue. 
I'm looking to resolve this complaint with the transferral of this property out of my name and a complete restoration to my credit. 
Thank you.
Product: Credit card or prepaid card

I've been a long-term customer of Bank of America.

My bills have always been paid AUTOMATICALLY each month with recurring payments.

Due to a problem with Bank of America 's website, the automatic payments wasn't deducted in XXXX XXXX. 
I received a letter from Bank of America in XXXX XXXX about the past due balance and I immediately resolved it. I spoke to Bank of Americas TWICE - both times they apologized and said they would submit a correction to the credit bureaus. 
In early XXXX XXXX, I noticed that the credit bureaus were still showing " LATE 30 DAYS ''. I called Bank of America and the rep suggested I write a letter which I did ( see attached ).

Bank of America has refused to FIX THEIR ERROR. It's very upsetting as I have a perfect credit report other than this ERROR.

Thanks for your help. 
XXXX XXXX
Product: Debt collection

I owed a bill to XXXX XXXX XXXX XXXX from XX/XX/XXXX, I don't remember going to doctor then and do not remember receiving a bill of it. Starting in XX/XX/XXXX I began receiving phone calls from Receivables Management Partners LLC. I repeatedly told them over the next several months of calling me 3-4 times a day to just give me a detailed bill and only then will i pay the amount. The bill never came but all of the phone calls stilled continued. On XX/XX/XXXX I finally had enough of the harassment and paid the XXXX bill over the phone. They immediately took the payment out of my bank account but never produced a letter stating that the debt was paid in full. I have called them and emailed them for a receipt of payment and letter of payment but have gotten nowhere. Now i am being told that they do not issue receipts or letters of payment. This is still effecting my credit even though it has been paid off in full and this company will do nothing about it. Why they can't even issue me a simple receipt stating it was paid is beyond me. How do you expect people to pay off debts when you harass them and then not follow through on your end of sending a letter and reporting that it has been paid and closed.
Product: Checking or savings account

I submitted my salary cheque on XX/XX/19 on Tuesday of XXXX- dollars in bank Of America i called them on Thursday why my cheque. is not cleared they. said. for verification purpose. i said ok then on friday called again why my cheque is still on hold they said we don't know I asked them then who knows they said. specialized team and they also cant help you I said who is responsible for all problems I am facing in form of rejecting payments and late fees since tuesday they didnt cleared my payment even other bank cleared payment on XX/XX/2019 even i have statement of other bank I called them again they Were rude with me and said we don't need your way we will do it Our by own way i said where i can file complain give me email i'd so i can send cclearance statement they said they don't have email id or complain center I have family I have to pay bills my phone bill is due insurance I delayed some payments and some were bounced back since the hold one time. payments got rejected putting late fees and overdraft fees still i am seeking help nobody is taking responsibility and delayed payments Bank of America owe my money and not clearing My payment even other bank cleared it i am still wondering and seeking help. but nobody is helping and i am afraid because of non payments my credit will g0 down. and the charges i am facing nobody is taking responsibility now you are hope for me otherwise i have to go ' to court for help.
Product: Debt collection

National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.