23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX and a XXXX moving company is seeking payment in full for services that were not rendered according to contractual agreement in XX/XX/XXXX. 
They have retained the services of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Building XXXX, XXXX XXXX ; XXXX, CO XXXX ; Phone : XXXX XXXX ; Fax : XXXX ; Direct Dial : XXXX ). 
These services were brought to my attention after I'd moved from Colorado in XX/XX/XXXX, and after having sought to settle the invoice via multiple emails, phone calls, and attempts via the web info source. I have kept all voicemails, emails, and other records of attempts to mediate. The last attempt that was made by XXXX XXXX   XXXX XXXX XXXX was through customer service agent XXXX ( no last name known ) at ( XXXX ) XXXX on Wednesday, XX/XX/XXXX at XXXX MST, where he indicated that he'd received my most recent voicemail, and said " ... the situation does seem like it's a little bit out of my area, so what I'm gon na do for you ma'am is I'm gon na pass this along to my manager so you can speak with him about that and I'm pretty positive he's gon na go ahead and get you figured out, but I did wan na leave you a voicemail to know that we are aware of the situation. I apologize on behalf of the company for how your move went. '' There was no further attempt on behalf of XXXX XXXX XXXX XXXX XXXX to resolve the invoice, and no further replies to any emails or phone calls made by me to them. 

At the end of XX/XX/XXXX, a letter was forwarded to my new address in Virginia indicating that my invoice had been sent to collection in care of account manager XXXX XXXX of Metro Collection Service in XXXX, CO. Upon contacting them, they informed me that XXXX XXXX XXXX XXXX XXXX refused any further attempts to settle the debt outside of collection. 

The invoice was questioned due to the movers showing up late, without packing materials which I then had to go purchase at a hardware store, taking 5 hours longer than invoiced, staining carpets, and smoking marijuana on the property. 

This is an unjust attempt to collect a debt that is not owed. 

XXXX, XXXX XXXX United States XXXX, Retired XXXX XXXX XXXXr Deployed to XXXX Please contact via email at XXXX or at my company email XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I disputed with XXXX XXXX, XXXX the balance of a loan in a certified letter that in XX/XX/XXXX. In my letter, I asked for a 1099-OID and W-9 coupon if a discharge/set off was done and indicated that this should be deemed as a Tax Credit to the company. I received a correspondence where they responded to my letter and marked on their correspondence that " I do not owe. '' I did not receive any additional documentation from Lending Point after I responded by with a certified mailing. However, I called and spoke with a representative in XX/XX/XXXX and was told that my account had been listed as " No contact. I thought the matter was resolved. 

In XX/XX/XXXX, Lending Point LLC reported a " charge off/write off '' on three credit agencies ( XXXX, XXXX XXXX XXXX and XXXX ) XXXX a date of XXXX for {$9600.00}. However, the XXXX Credit report also indicated the loan was also sold to XXXX XXXX XXXX in XX/XX/XXXX. If the Lending Point loan was written off, it should not have been sold as well with the consumer being responsible all over again. This is fraud.

Lending Point also gave XXXX XXXX XXXX all of my XXXX XXXX without my consent or permission. XXXX was given my social security number. DOB, phone number, email address, etc. I have not signed any contract or any agreement with XXXX. Lending Point has stolen my identity. I have filed a police report.

Lending Points inaccurate reporting and release of my private information without consent has damaged my credit further and caused financial harm and limitations.
Product: Checking or savings account

I called to try to have the fees removed. I also called for a payment arrangement. They said my account would close.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

The reported bankruptcy XXXX  XXXXdismissed ( Ref : XXXX ) is factually inaccurate. No trial or judgment occurred, indicating a lack of validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and are reporting on my credit file. 

XXXX ) XXXX Account # XXXX. AmountXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$480.00} XXXX XXXX XXXX XXXX XXXX Amount {$1200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor : - XXXX has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 2ai a creditor may not treat a payment on a credit account under a term loan plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I would like to make a complain about Equifax. I am trying to check the status of my account and there is no way to do so. I tried calling them and I was unable to get through to them. I am unable to connect to someone who will help my situation. 

I do not think its fair that one of the 3 major credit card Bureaus has such terrible customer service when they affect the lives of so many. 

Ultimately I want to unfreeze my credit from Equifax as it is frozen now. I can not do so if I can't even log into my account. I have tried logging in from different computers, phones, and web browsers. I feel the only way to fix this is to talk to a rep from Equifax. That may seem like a simple solution but it's very difficult to talk to a person from Equifax who can help my situation. 

I have read reports onlne that it can take weeks to even months to log back into your equifax account. 

I have had this account for over a year now. My information is accurate as I get regular credit reports from Equifax as well from XXXX and XXXX. 

I do not know why I can't freely checked the status of my account.
Product: Debt collection

My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.
Product: Debt collection

I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.
Product: Debt collection

Midland Credit Management placed a collection account of my credit report for {$720.00} from XXXX XXXX XXXX. I asked them to send me proof of ownership in the for of a purchase and sale agreement, or an assignment of an alleged contract bearing my name. So far I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove negative accounts From Experian. 

Both XXXX XXXX are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX XXXX XXXX  Balance {$79.00} XXXX  XXXX  XXXX XXXX XXXX XXXX  Balance {$530.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Once again experian is closing complaints without addressing the issue they further more give explanations that totally have nothing to do with the problem. Experian stole 17 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

over 10 lines on my credit report asked for consolidation and repayment to match income on my tax return
Product: Mortgage

I, XXXX XXXX have had issues with the accounting of my mortgage for several years now. However, my loan was transferred and it immediately went into foreclosure. Aldridge and Pite, LLP is the current foreclosure attorney attached to my property. When the loan was transferred to XXXX XXXX XXXX and Aldridge and Pite ; several times I have asked for a payoff and other accounting details. They ignored my request and sent me a foreclosure notice for XXXX XXXX, 2016. I had to ask on 3 separate occasions for the payoff and other accounting details along with an original notice of Debt Validation. On XXXX XXXX, 2016 I received an email that contained a payoff however, it did not contain the documents to satisfy a validation of Debt. I have expressed to the Lender that I would like to pay the mortgage in full. However, they are unwilling to call off the foreclosure even though I sent a validation of Debt that has not been fulfilled and a request for payoff which took over 3 weeks to receive. I do feel as if Aldridge and Pite are prohibiting me the right to proper validation under federal law rights to proper accounting under state law as well as the time frames within Georgia State Law that allows a homeowner the grace period to payoff any delinquency since all collection activity should have ceased after I sent in a request for debt validation and payoff quotes. This is a disgrace and further proves that lenders, banks, and the attorneys that represent them would rather keep you in debt and foreclose on your property then allow a homeowner to pay off the mortgage or satisfy the stated delinquency they claim you owe. I believe they dont want me to payoff the mortgage because off because the servicer and foreclosing attorney have no interest and standing to process the payment and file the legal documents necessary to show that I paid the proper Lender IN FULL. As a result I am filing a complaint and need some explanation from the Lender and Foreclosure attorney as my consumer rights as an individual have been abused and neglected. Attached is a 2nd notice of Debt Validation and attached is an email from an attorney at Aldridge and Pite along with the payoff. I have received no other documentation from the firm as they refuse to send the documents necessary to validate the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. 

( 1 ) XXXX ( Inquiry XX/XX/XXXX ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 4 ) XXXX ( Inquiry XX/XX/XXXX ) ( 5 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 6 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 8 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 9 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 10 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 11 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 12 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 13 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 14 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 15 ) XXXX OF XXXX ( Inquiry XX/XX/XXXX ) ( 16 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 17 ) XXXX/XXXX/XXXX ( inquiry XX/XX/XXXX ) ( 18 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 19 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 20 ) US SM BUS ADMIN ODA ( Inquiry XX/XX/XXXX ) ( 21 ) XXXX XXXX ( Inquiry XX/XX/XXXX )
Product: Vehicle loan or lease

I have made multiple attempts to reach out to Toyota Financial at ( XXXX ) XXXX to retrieve my refund of {$740.00} as indicated in my letter dated XX/XX/2022. At no time was a refund check issued to me for {$740.00}. Upon speaking with the representatives on multiple occasions, there was unfortunately no resolution. I would like to cite the XXXX act in regard the aforementioned issue. A notice providing reimbursement in regard to a coverage that was purchased was sent indicating there was a refund to be issued, but unfortunately no refund was issued. There was a claim that this refund was issued, but the individual on the phone was unable to identify anything specific and indicated they were reviewing with a department, but only kept me on hold for an indefinite amount of time ( on each call ).
Product: Credit reporting or other personal consumer reports

I Have identified information on my consumer reports that are a result of identity theft. I did not consent to, authorize nor benefit from the following inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter into all 3 bureas on XX/XX/2021 and I still haven't received any update in regards to their investigation. The letters were in regards to incorrect and unknown things being reported on my credit report. Its been 60 days and there has been no response. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX you've caused me.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PennyMac makes it virtually impossible to do business with them. 1. I have faxed 3x to the FAX ( XXXX ) number they provided ; not once did it go through. 2. They gave me the number to their insurance department ( XXXX ) ; I found it virtually impossible to get through to a person ; it simply hung up on me. 3. I have called their main number ( XXXX ) but I have yet to reach a knowledgeable person to help me update my client 's home insurance to their account. 4. I have tried to upload the documents to their web page XXXX XXXX  ) but it will not allow me in to upload documents ... most calls simply end up in having their automated system hang up on me. As of yet, I have FAXed 3 times and called 6-8x today and as of yet I have not been able to transmit my XXXX XXXX XXXX Their customer service is the epitome of an XXXX.