23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company forced me into a Covid forborbearance I paid them one time XXXX then told that was not enough to getvoutbof forbearance I needed XXXX more did not return me the XXXX nor did they credit me for it. I was told by VA to apply for partial payment relief I asked Carrington about this in XXXX of XXXX they said that that program is not available I finally hot a hold of va rep again I'm early XXXX of XXXX he laughed at me and said of course they not going to let me have that they want me in a 40 year high interest remod but the program is good. I was given information to ho back to Carrington to show them that partial payment was an option they said that is to late that it takes 3 months to get approved for that program and I said I've been asking for that program for months they said thy didn't know it was an option until I told them about it. I've tried to get back in touch with rep was unsuccessful. I have asked for new rep at va as well. Got another letter from VA saying I was approved for partial payment contacted Carrington they are now demanding twice what I owe and trying to push again payments twice as high as my original payment they broke the law they forced me to do alm this and everyone there that has helped me or has seen what they done to me has been fired. I had one manager say he was going to get this resolved and help Me even if he would have to place a special forbearance as long as I paid it all off by original mature date I said yea. I was 5 years ahead on mortgage anyway which I get no credit for as I have always paid at min XXXX above payment and as high as XXXX above payment just one month I became disabled we had a hurricane and whole family had covid one month I needed help they said only option I had was to place it in forbearance and ever since then only way to get out is to pay this high amount of money all at once now they saying they taking it to court to get an foreclosure date thatbi have 10 days to accept this stupid remod that doubles. The time left on my mortgage with double the payments and still have a huge lein on side I got a call from someone at Hud said they got my case and money is available someone will reach out to help but I'm told Carrington stopped that. How can Carrington stop HUD
Product: Debt collection

In XX/XX/XXXX I lived in XXXX XXXX in XXXX, XXXX. My lease was scheduled to end at the end of XXXX. I went into the main office and informed them I planned to move out when my lease contract expired ( XX/XX/XXXX ). They informed me that I needed to provide them with a written letter stating I planned to move out at the end of my lease. I went to my apartment typed up a letter and turned it in to the main office to be filed with my intent to move out at the end of the lease terms. I paid my last month of rent between XXXX XXXX as required by the lease terms. I moved out before the end of the month and had a member of the front office walk through and inspect the apartment with me to ensure no damage was done. I moved back to XXXX before the month ended. In XXXX of XXXX XXXX XXXX turned 1 month of rent due over to Procollect collection agency. I noticed this on my credit report late XXXX and called the company inquiring about the collection efforts. They informed me that XXXX turned it over to them for either not paying the last month of rent or not giving written notice to leave the apartment unit. I informed them I did both, paid the XXXX rent and provided written notice. Procollect then began to tell me I need to pay the debt immediately to have it removed from my credit report. I believe I do not owe this debt because the last month, XX/XX/XXXX, rent was paid and followed the guidelines provided in the lease term and by the front office with a written letter saying I planned to move out. According to Procollect no letter was ever one file. I have since graduated college and my current employer requires this matter to be resolved as part of my employment.
Product: Debt collection

Hello, I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 


CONVERGENT OUTSOURCING # XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 
XXXX : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. Experian : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. XXXX : XXXX XXXX 30 days late and XXXX  60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On XX/XX/XXXX I informed Resurgent Capital Services/LVNV Funding LLC via the CFPB I've become a victim of identity theft. On XX/XX/XXXX I sent a written dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay Resurgent Capital Services/LVNV Funding LLC . 

I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
What the money you say the alleged debtor owes is for. 
Explain and show how you calculated the alleged debt. 
Provide me any documents that show proof I agreed to pay the alleged amount owed. 

Please provide the name and address of the bonding agent for Resurgent Capital Services/LVNV Funding LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).

Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, Resurgent Capital Services/LVNV Funding LLC is in violation by not responding to my notice of Identity theft within 30 days.
Product: Money transfer, virtual currency, or money service

On XXXX I transferred XXXX to Gemini to buy bitcoin over the next XXXX  days I purchased XXXX and waited for my ACH to clear. My deposits have cleared but Gemini now has a security hold on my account for verification purposes. I was verified in 2020 on this platform and have been buying and selling since then with no issues. I sent the required verification documents on XXXX and cant get a response from the company or withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX and Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- Experian, XXXX, and XXXX. Experian reports the account number as XXXX, while both XXXX and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on Experian, XXXX, and XXXX. 

Attached is documentation in support of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )
Product: Credit reporting or other personal consumer reports

Following a storm that affected my area in late XXXX, XXXX XXXX offered their clients an opportunity to miss one months payment to help with repairs to their properties. They also wanted each applicant to select an option for how they will repay their missed payment. I selected the option of deferring my payment by extending my contract by one month for which XXXX XXXX approved. The following month, I went to make a payment as I normally would do, just to find out that XXXX XXXX is listing my account as delinquent by 30 day. I called and spoke to a customer service agent who promised to fixed the matter and give me a call back. That call back never happened and XXXX XXXX is still claiming that my monthly mortgage payment is one month behind. I tried to move my account to another mortgage company only to be informed that XXXX XXXX would not approve the transfer due to my payment being one month behind. Furthermore, I have learned that XXXX XXXX has reported my account as delinquent with the credit agencies contrary to my original agreement with XXXX XXXX that this would not be reported to the credit companies. I have also learnt that XXXX XXXX purposefully understate my escrow to commit me to a higher escrow in one year following my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

=urthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Received opening of a new credit card with Bank of America in XXXX XXXX XXXX Did not have a account number and after multiple calls with Bank of America they could not find record of account. Credit report pull in XXXX  did not show account. Received a bill on XXXX XXXX for annual renewal fee for credit card. I was able to close the account as I now had a account number. The only business I have done with Bank of America was through my employer.
Product: Credit card or prepaid card

On  XXXX / XXXX / 2017  around  XXXX   XXXX  I calle d Chase Credit Cards to request a confirmation of the expiration date of the 0 % interest on the amount borrow ed. I was provided such information :  XXXX / XXXX / 2017 . Consequently I asked what the pay-off amount would be at that date assuming I would continue to make the minimum payments until the n ( Chase already charge me the interest upfront and called it a transfer fee ).  The representative transfer the call to  XXXX   XXXX  TX to a supervisor named  XXXX   XXXX   XXXX  refuse to provide such information and suggested I call back in    XXXX    2017  to obtain the pay off amount. I intend to set the minimum payments in automatic bill pay through my bank and to pay the final pay off amount in the same fashion. I believe tha t Chase refused hoping I will be late on my payments with the expectation of collecting related fines and fees. Please have someone at Chase c all me back with the requested information.
Product: Credit reporting or other personal consumer reports

experian & XXXX has not removed any of my accounts after my accounts has already been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found these items still there. I have already informed you that the items listed are incorrect inaccurate and unverifiable.
Product: Debt collection

XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.
Product: Credit card

Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9000.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9000.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9000.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous.