23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!    XXXX  the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my  XXXX . They kept running me in circles ...
Product: Credit reporting or other personal consumer reports

Hello, 

 Experian report showing several unauthorized inquiries.

XXXX XXXX
Inquiry date XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX


XXXX XXXX  Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
nfo
Address
XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX

XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX  Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
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XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Product: Vehicle loan or lease

The lender must provide me written notice of my right to redemption and ( or ) right if reinstatement .The lender must provide a notice to the consumer that confirms the sale price of the repossessed vehicle from auction I have not received any notice in writing before or after repossession i have been a victim of a illegal auto repossession I would like my repossession investigated with proof from the lender were properly and timely given, and all of the allowable redemption and cure time limits were adhered to Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided with receipt of the notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I requested my free annual credit report from XXXX free annual credit report from the website. XXXX, XXXX furnished them. 
But, Transunion XXXX separate times has refused to provide it to me. It's like a scam that they have hurt my personal information to effect many areas of my life. Yet there is no way to dispute items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed this account on my credit report with Equifax only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Equifax. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.
Product: Debt collection

On XX/XX/2019 I called the ERC company to send documents through the fax machine. They told me they're a paperless company and they don't have a fax number. I than ask for an email she keeps on about if I have an account with them. Than I ask again how can I get something to them. She keep on wanting to know if I had an account with them. I said I really don't have to answer that. She than got her supervisor on the phone XXXX XXXX than I ask him for a fax number. He told me an email at XXXX so I emailed ERC. Just give others the right to get information to them. I have no idea who these company are. I not going to just give up {$1000.00} to everyone that come on my doorstep. Anyone could be praying on anyone these days. ANYONE can get information off the internet. Being overly cautious isn't a bad thing.
Product: Credit card or prepaid card

On XXXX I received a U.S.Bank ReliaCard in the mail. I never requested this car, have no idea why it came to me. I called U.S. Bank who could not help saying that they were just the issuer of plastic? They gave me a number to Reliacard. I called this number and was on hold for 58 minutes when someone picked up and hung up! I called again on XXXX and was on hold for 2 hour 3 minutes when again someone picked up and hung up! I said I had contacted the company but in truth I have attempted twice to speak to someone with no result. The paperwork that came speaks to the Colorado Department of Labor. I have no dealings with the Colorado Department of Labor so have no idea if they are involved in the issuance of this card as to why. What bothers me most in reading all about this card, it states that I have an account ( do not want it )! Bottom line, I never requested this card nor did I apply for any account. I do hope you can help me with this because I can't get through to speak to anyone.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

PHH mortgage assumed servicing of my mortgage in XX/XX/XXXX. Servicing included mortgage payment as well as home insurance and property taxes, payments for which were held in escrow. 

PHH failed to pay our home insurance before it expired on XX/XX/XXXX. According to them they attempted to contact our home insurance company in XXXX, which is after the policy was set to expire. Our home insurance policy lapsed when PHH failed to pay the company. By the time we realized that PHH had not paid to renew our home insurance we had to pay an extra {$80.00} of increased premium to get a new policy on our home. 

On XX/XX/XXXX PHH sends us a letter saying we had lapsed coverage and is informing us we will be charge {$170.00} for the lapsed coverage. Attempts to contact in PHH to dispute the charge resulted being transferred to one call center supervisor after another despite asking to speak to a supervisor at PHH. After an hour spoke to someone who said she was in the insurance department ( Her supervisor also could not be reached ). Of the 10 people I spoke to, none at PHH seems to be aware that PHH has to pay escrow obligations timely. 

PHH has cost us {$80.00} in increased policy premiums now wants us to pay {$170.00} for their negligence. There is no way to contact anyone in this company when they threatened to confiscate money from your escrow account. They should not be licensed to handle people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt or credit management

Lowe 's of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX http//wwwlowes.com. I bought on line ( XX/XX/XXXX  ) a storage shed. The person assigned to pick the shed up was XXXX XXXX, who pay it again and did not keep of the receipt of the transaction .On XX/XX/23 we went to the store in order to get a duplicate of the receipt, like in other stores ( XXXX XXXX ). The employee who assisted us were XXXX and XXXX who give us a document that says WAS SOLD TO XXXX XXXX, but not the copy of the receipt. I put a claim on the Synchrony Bank/ Lowe 's Advantage Card XXXX XX/XX/23 I spoke with XXXX . Later I saw that Lowes charged me the amount of {$460.00} again plus interest. I call them and XXXX told me that the case was solved against me ( XX/XX/XXXX  ) and they would let me know in writing. Since the letter has not arrived I am turning to you to help me resolve the case. I present this petition in XXXX to Consumer Protection Division and XXXX XXXX and she sent me to your agency. Thank you.
Product: Debt collection

XXXX XXXX XXXX  enlisted Telerecovery to pursue a debt years after I moved out, and I had no payment owed to them at the time of move out. I reached out to ask for proof of this debt and have been provided with none. I have repeatedly tried for 4 months to dispute it, but they keep re-adding the debt and increasing the amount owed. 

I have emails from XXXX XXXXXXXX demonstrating that they received their last payments at the time of lease termination, so there is a XXXX balance at move out. 

Telerecovery 's information is listed as : XXXX XXXX XXXX XXXXXXXX, LA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Got a car from XXXXXXXX XXXX XXXX that car was not working so I took it back to them. I called wellsfargo to advise them that I am no longer in that car they was trying to get me a new one. I was without a car for over XXXX  months and wellsfargo made me make payments anyway. I didn't have that car XXXX  days. It was back at dealership and wellsfargo knew that
Product: Debt collection

Since XXXX I've sent Frost Arnett four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want this account, XXXX deleted!
Product: Payday loan, title loan, personal loan, or advance loan

Regional Finance is a predatory lending company that sent me a live check in the mail, XX/XX/scrub>, 2023, in the sum of {$2600.00}. This loan was designed to take advantage of the consumer with extremely high interest. Regional Finance collects as much money as possible, with interest, loan deferrals, and added on fees. I have been paying on this loan for roughly 17 months. I have paid a total of {$1900.00} on a {$2600.00} loan, Regional Finance informed me that I still have a balance due of {$2300.00}. This is not only predatorial lending, its criminal. It's unconscionable to charge a consumer almost double the original amount of a loan. I have spoken with Regional Finance about my concerns, and they suggested that I do a deferral and or refinance the loan. This would add more to the balance. I am waiting for California to bring a lawsuit against Regional Finance for predatory lending, Californians deserve better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters from Citibank stating I have a credit card with a balance for over one year now. I called several times ( listen to recordings ) and got passed around, and got hung up on. When I finally got a somewhat intelligent human being at that awful bank they said they would start an investigation of fraud. I then received almost a year ago exactly copies of my checks that I wrote paying the card off from XXXX! I didnt report that I never had the card, I did from college and it is joint with my father. I had it in XXXX and paid it off and cut it up in XXXX. It is my maiden name, which I have not had since XXXX. They have my email address from 6 years ago, I have moved but they found that address of course. I have not have the card in my possession since XXXX. I called last week and citibank told me I owe nothing. Now I get a letter, with no phone number to call, very convenient saying I owe money on this card that has been gone since XXXX, which is it? So any charges on it 8 years later, is not me!!! I want Citibank to stop being a horrible bank and take it off my credit!!! It is fraud!! I did not make those charges, I blame the fraud on Citibank. They are the most incompetent bank I have ever dealt with. If anyone is reading this, do not use Citibank, they are untrained, incompetent, rude and an immoral bank.
Product: Bank account or service

HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues
Product: Checking or savings account

XXXX charged a {$17.00} purchase to a credit card ( XXXX prime card managed by XXXX XXXX ) which I'd cancelled several years ago. 

XXXX then auto drafted payment from my Bank of America checking account. When I used the card and the account was active I had it on autopay. The account was over drawn so Bank of America rejected the auto draft and charged me {$35.00}. 

This process repeated itself 5 times. Bank of America agreed to waive two of {$35.00} charges but wouldn't credit me for the remaining charges. 

I asked what benefit or service did I receive in return for the {$35.00} charge, they indicated that according to banking agreement I would be charged {$35.00} each time the account was overdrawn and another bank attempted to draw payment. I escalated my request to a supervisor who called me. I plead my case but he would not issue any further credit. I asked if I could escalate the case further and he said there was no process for doing so and indicated that if I had no questions related to other matters that he would terminate the call and hung up on me. Bank of America employee XXXX employee id number : XXXX While the {$35.00} fee may be buried in the fine text of the agreement and perhaps legal to the letter of the law this is nothing more than extortion and the bank taking advantage of individuals who have no recourse. If the bank paid the credit card bill and then turned around and charged me a fee for the service I could at least say there was consideration offered for the charge. This was nothing but an excuse to extort funds from individuals already under financial duress.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and Equifax, XXXX and XXXX all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to 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  As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Sent letters to XXXX, Equifax, and XXXX  disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, Equifax, and XXXX   responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, Equifax, and XXXX. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, XXXX  has the dispute currently under review, and Equifax has not responded to my method of verification request.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to file a formal complaint and bring to your attention an issue I have encountered with Mercedes Benz Financial Services regarding the repossession of my vehicle. I believe that the creditor, Mercedes Benz, may not have complied with XXXX XXXX XXXX provisions regarding repossession, potentially resulting in the wrongful repossession of my vehicle. 

Under XXXX XXXX  law, certain procedures must be followed during a vehicle repossession to protect the rights of consumers. It has come to my attention that Mercedes Benz Financial Services may have failed to adhere to these procedures, specifically regarding the breach of peace provision outlined in New Jersey law. 

Breach of peace occurs when a repossession company engages in behavior that is likely to cause a disturbance or conflict during the repossession process. It is my belief that the repossession company, acting on behalf of Mercedes Benz Financial Services, may have breached the peace during the repossession of my vehicle. 

Additionally, I did not receive a Notice of Repossession and Right to Redeem from the creditor. Failure to provide this notice may constitute a violation of state laws. 

Furthermore, I would like to emphasize the distress and mental health issues that have arisen as a result of this repossession. After discovering that my vehicle was missing, I immediately contacted the authorities and filed a police report, as I initially believed that my car had been stolen. This incident has caused significant stress and anxiety, affecting my mental well-being. 

Should it be determined that the repossession was indeed unlawful, in violation of the Fair Debt Collection Practices Act ( FDCPA ), or breached the peace provision outlined in New Jersey law, I kindly request that appropriate action be taken to ensure that my rights as a consumer are protected and upheld. 

In light of the aforementioned concerns, I kindly request that you investigate this matter thoroughly, taking into consideration the breach of peace provision outlined in New Jersey law. Additionally, please consider the impact this incident has had on my mental health. If it is determined that the repossession was wrongful or in violation of the FDCPA, I hope to be rightfully compensated as per the provisions of the act. 

I appreciate your prompt attention to this dispute and your assistance in resolving this matter. Please do not hesitate to reach out if you require any additional information or documentation to further investigate this issue. 

Thank you for your help in addressing this issue. I look forward to a favorable resolution.
Product: Vehicle loan or lease

My auto loan company, Regional Acceptance Corporation, has my name spelled incorrectly in their account. 

I have been trying to contact the company through various channels multiple times during the past 1-2 years ( written, e-mail, phone ), to get it spelled correctly. 

However, the call never goes through to a person and only cycles me through automated responses, and e-mails and written letters have not led to any response from the company.
Product: Debt collection

I am a natural person/ not a third party I just know my rights I have never enter any contract nor did any business with MRS BPO AKA MRS ASSOCIATES. This was a fraudulent account open under my name and I did not do any business with att nor this debt collector and the I gave notice to both of the companies. This is a violation of the FDCPA!!!! I sustained damages and I demand reimbursement!!!