23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding.

I told them I was unaware of this.

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full.

I called them back to ask for some verification of the debt. When I did they got nasty with me.

They would not give me their address to request in writing proof of the debt or any notification.

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt.

There are NO phone numbers to contact timelypayday.com I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.
Product: Debt collection

15 U.S. Code $ 1681c-2 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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.
Product: Mortgage

I currently have a loan modification application submitted to Chase. My loan has been in and out of the forecloure process since XX/XX/2009 The original foreclosure case was withdrawn by Chase following numerous fraudulent actions by the lenders Attorenys including XXXX, forgery and inproper notice to myself and my Attorneys. Chase has reinitiated the foreclosure law suit with the same Attorneys, who we have made several attempts to submit an offer to settle however they have now requested that a new loan modifiacation request be made. That request was made by me and I have confirmed that Chase has the documents and are processing the request. The Attorney for Chase is aware of the application as well. Chase has refused to halt the foreclosure while the modification is in review, Florida is a judicial State and the trial date is set for Monday XXXX XXXX. Furthermore, as of today the Attorney 's for Chase provided inacurate status report as to the modification request to my Attorney saying that Chase has contact me directly, which is not permitted as I am represented by an Attorney and which they did not do, and also my Attoeney which was also not the truth. No contact has been made by Chase. I did contact Chase to confirm that the file was recieved and in process. My legal rights have been abused by Chase and the law firm of XXXX once already. I deserve a fair review of my modification without the threat of lossing my home during the process.
Product: Debt collection

I recently reviewed my credit reports and noticed a collection account was posted for XXXX XXXX I never received from them.
Product: Debt collection

Re : NOTICE OF DEBTOR LETTER FROM SUPERIOR COURT OF NJ NAMING WILMINGTON SAVINGS FUND SOCIETY , FSB, ( WSFS ) AS CREDITOR RE : XX/XX/2020 LETTER FROM WSFS 1-PLEASE PROVIDE A TRUST AGREEMENT BETWEEN WSFS AND PRIMESTAR-H FUND I TRUST AS EVIDENCE THAT WSFS IS A TRUSTEE FOR PRIMESTAR-H FUND I TRUST 2-PLEASE PROVIDE THE DOCUMENTS WSFS AS TRUSTEE FOR PRIMESTAR-H FUND I TRUST IS RELYING ON TO ASSERT THAT WSFS IS TRUSTEE FOR PRIMESTAR-H FUND I RUST IS THE CREDITOR. 

3-PLEASE PROVIDE DOCUMENTS AND CONFIRMATION WSFS AND/OR WSFS AS TRUSTEE ARE LOCATED AT XXXX XXXX XXXX, XXXX FLORIDA XXXX AS IS THIS IS THE ADDRESS NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER. 

4-PLEASE PROVIDE DOCUMENTS OF TRUST REGISTRATION.

5-PLEASE PROVIDE NEW JERSEY CERTIFICATE OF AUTHORITY FOR THE PRIMESTAR-H FUND I TRUST.

6- PLEASE PROVIDE REPRESENTATION AGREEMENT BETWEEN WSFS and/or WSFS AS TRUSTEE AND THE ATTORNEY FIRM NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.

7-PLEASE PROVIDE ALL DOCUMENTS THAT WSFS AS TRUSTEE PRIMESTAR-H FUND IS THE CREDITOR.

WE DISPUTE ALL CLAIMS BY WSFS AS TRUSTEE FOR XXXX FUND I TRUST.

WE DEMAND THAT WSFS TAKE IMMEDiATE ACTION TO DISMISS THE CASE NOTED IN THE ATTACHED NOTICE TO DEBTOR LETTER. 

THANK YOU, XXXX XXXX
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and amendment because they were reported incorrectly in my file. 
XXXX XXXX XXXX
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. 

In accordance with the fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A 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: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my rights under FCRA. I have disputed several times regarding XXXX XXXX  University. The account was settled in XX/XX/XXXX and I was informed XXXX  would not report to credit bureaus. Screenshot showing settlement uploaded. In XX/XX/XXXX, Experian begin inaccurately reporting this settled account as a collection account with late payments in XX/XX/XXXX. They also reported it inaccurately as an unsecured loan. So now my credit report has a derogatory account showing a late payment in the last 30 days. I contacted XXXX XXXX, a Collections Manager at XXXX XXXX University about my issue. His contact information is XXXX XXXX  Collections Manager XXXX XXXX University XXXX   ( office ) XXXX ( cell ).

He sent me an email stating this was an error and he would make sure to remove it from my credit report. Screenshots of email uploaded. I called Experian to share this info and was yelled at by one of their Customer Service agents who dismissed my concern onXX/XX/XXXX. Ive never felt so belittled. I would like to pursue suing Experian, not only for, inaccurate reporting but for XXXX XXXX as I am a person with XXXX. What recourse do I have?
Product: Mortgage

It is now over 3 years since i requested for a XXXX Short Sale on my mortgage account, Chase has been playing games telling me that they are reviewing my file. 90 days later they respond back to me telling me that the file was declined becuase the negotiator forgot to place my file under review. Now i have to reapply all over again. 

IT IS NOW 3 YEARS since Chase keeps doing the same thing, as of last month Chase told me that the file was delayed becuase my previous realtor and i needed to hired a new realtor if i want them review my XXXX Short Sale request. Now that i hired a new realtor Chase is refusing to review my application and they have placed a foreclosure sale date set for XX/XX/2015. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Got an alert on my report that there was a collection on my account from an unknown collector from an unknown source that says they are collecting from a lender that is also unknown and nowhere to be seen anywhere on my credit file anywhere past or present and I have no knowledge of ever using this lender for any services. I request the collection agent delete this account off all the reporting agencies and stop all attempts to collect any debts that I do not owe.
Product: Checking or savings account

My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. 
I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! 
When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!
Product: Debt collection

They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX  the number and says it discover card about a outstanding balance ... 
Very embarrased to say the least.. could not even do my job, so nervous
Product: Checking or savings account

Closed checking account on XX/XX/2023. Balance check was mailed on XX/XX/XXXX. Did not receive. 
Check has not been cashed. 
XXXX called customer service. XXXX hour call time. Was promised call back, none received XXXX called customer service. XXXX hour call time. Told to call XXXX XXXXXXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX Spoke to XXXX XXXX. 
XXXX XXXX attempted to contact XXXX XXXX XXXX, XXXX, XXXX called XXXX XXXX branch. Spoke to XXXX XXXX once, no progress made. 
XXXX, XXXX left msg with XXXX XXXX. No call back XXXX Requested telephone meeting with Truist. They never called me for our appointment. 
XXXX called XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX No further progress. 
XXXX emailed supervisor, XXXX XXXX XXXX No response
Product: Credit card or prepaid card

Pennsylvania sends it's PUA benefits to US Bank Reliacard. There is no option for a paper check or direct deposit. 
On XX/XX/20 I logged into my US Bank Reliacard account and put in a transfer to my checking account which I have done numerous times. This transfer would normally arrive in my checking account the next day. After a week the money was still not in my checking account. I called them on XX/XX/20 to find out why the money was still not in my account. They told me it could take up to 5 days to complete the transfer. 
On XX/XX/20 the amount of the transfer was credited back to my Reliacard. I attempted to call them numerous times and was disconnected by their automated system due to " heavy call volume ''. 
I finally reached a representative on XX/XX/20 who told me my account had been flagged for fraudulent activity. I asked him what that activity was and was told he didn't know. I was told to FAX a copy of my driver 's license and account number to them and my account would be reinstated. I did this on XX/XX/20. I was told my account would be reinstated within 48 hours. 
As of XX/XX/20 my account is still inactive and I am unable to access the money in the account. I have tried to call them and am getting disconnected due to " heavy call volume ''. 
This company is appropriating funds from people and giving them no access to the money and no way to contact them. In short they are stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Mortgage

Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request. 
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time. 
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. 

Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX
Product: Credit reporting or other personal consumer reports

FEB/DESTINY opened -XX/XX/XXXX balance {$840.00} XX/XX/XXXX This account I have no knowledge of this account and I called the credit company to confirm that this account was opened fraudulently. I disputed with my credit bureaus.
Product: Checking or savings account

Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.
Product: Credit reporting or other personal consumer reports

Navy Federal has not been reporting my credit cards to XXXX since I've had them since XX/XX/XXXX and XX/XX/XXXX and it's negatively hurting my XXXX score
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Santander to purchase a vehicle in 2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted Santander in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Product: Debt collection

XXXX XXXX made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about 30 days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that the last four digits of my social security number are being reported incorrectly on my Experian credit report. Because of this error my Experian credit report does not generate a credit score and several items that do not belong to me appear on my credit report. I am attaching a copy of my social security card that shows the correct social security number. I am also attaching a copy of my current state photo ID and birth certificate. I am disputing the social security number that Experian has on file. I am also disputing the following two accounts that do not belong to me and are showing on my credit report due to the incorrect social security number that Experian has on file. The two accounts I am disputing due to the incorrect social security number are : XXXX XXXX XXXX  : Balance {$900.00}. The second account I am disputing due to the incorrect social security number is : XXXX XXXX XXXX : Balance {$19000.00}.
Product: Credit card

You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.
Product: Money transfer, virtual currency, or money service

This complaint is for Remitly : I sent money before with this company and I never had any problem. Now, I sent two ( 2 ) transfers to XXXX ( International ) and I did not receive any of them. The first transfer I made was XX/XX/2020 XXXX in exchange XXXX. 
The 2nd transfer was made in XXXX XXXX XXXX and it arrived as XXXX. 
Both through the website and app it shows that was received. 
But, Remitly is holding my money for a long extent or period of time. 

Note ; The international agency/company in XXXX claims that I have sent money in the same coin or value of XXXX XXXX. 

Please, I would like my money back, refunded or deposited ; the correct Dollar to Real exchange in my account. 

Please dont hesitate to contact me At ( XXXX ) XXXX or at XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX breached my rights to privacy by gaining access to my credit report without my permission. this caused me to have a hard inquiry on my credit report causing my credit score to decrease. A violation of 15usc 1681n made by your company.