23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX I do not wish to contract, I have no obligation with XXXX they do not have my written consent to engage with me. I TOLD YALL DO NOT SEND MAIL TO ANY ADDRESSES YOU THINK YOU MAY HAVE! Im doing yall a favor by saying hey, just leave me alone. The contract has no third parties provisions. Its the contract I signed is what Im basing my claim. Not what is done behind closed doors, its that 6 page promissory note I signed that doesnt have one provision that states sells of accounts receivable is what Im standing on, not corporate assignments! Lets not forget XXXX  ( not you CFPB, not calling yall XXXX  ) Im calling the company a XXXX. Let us not forget you XXXX.i am the maker of this whole thing, I executed the note to the XXXX, I was never in default.
Product: Debt collection

Midland Credit Managment contacted via phone on XX/XX/2019 saying they were trying to collect a debt for XXXX XXXX ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. MCM never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called MCM on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 XXXX to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from XXXX XXXX. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.
Product: Mortgage

In XXXX of XXXX, I found the company Veripro Solutions who held a 2nd mortgage lien on my property. This was from my original mortgage when I purchased the property in XXXX. I paid it for a few months until I was diagnosed with XXXX in XXXX. I was unable to pay both mortgages and stopped paying the 2nd mortgage after requesting.

I was never contacted by the 2nd mortgage lien holder since I stopped paying it. It has been transferred a few times since then. I entered into an agreement on XX/XX/XXXX with Veripro Solutions to pay {$250.00} per month until a Bank they suggested would refinance me to include the 2nd mortgage pay-off of $ XXXX. The process with XXXX XXXX XXXX XXXX XXXX  started in early XX/XX/XXXX and not has been stalled because Veripro Solutions can not produce the proper paperwork for the Bank 's title company so the loan can close. I have spent $ XXXX out of the closing costs to keep the rate locked in with the bank@3.25. I have called Veripro Solutions, my account rep XXXX XXXX 4 times since this process has started and he continues to tell me that the investor will not produce the paperwork the title company is requesting. I was just informed again today that the rate lock has expired and I will have to pay again to keep it at 3.25 % Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

m writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX  Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX XXXX XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents,
Product: Debt collection

A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed,  XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( XXXX  XXXX and XXXX  )
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX P.S.T. I spoke with my lender and requested they extend the forbearance plan I was on due to financial problems related to Covid-19 and confirmed with XXXX XXXX in the loss mitigation department at Shellpoint that the forbearance was extended to XX/XX/XXXX. However I just received word that they are now saying they have not notes of the forbearance being extended and have placed a sale date on my home. I believe this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company mentioned below ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX Utilities and Fuel
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 proced 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 and53.8K financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Upon discovery after viewing my consumer report I see an alleged account reporting onto my credit report. I am requesting president XXXX XXXX & LVNV Funding LLC to send me verification - ( sworn under oath -28 USC 1746 ) of the name & address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding that LVNV Funding LLC cease all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed will result in legal action pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the XXXX quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX. My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.
Product: Debt collection

FCRA VIOLATION I HAVE NO KNOWLEDGE OF FRAUDULENT ACCOUNT XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY TRANSUNION  CREDIT RPORT. FTC REPORT # XXXX
Product: Credit reporting or other personal consumer reports

The underlying company 1st Franklin finance currently appears on my XXXX and, XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX and XXXX has forwarded theft documents receive from me to 1st Franklin Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with 1st Franklin Finance. As 1st Franklin Finance have violated federal law, by not providing the credit bureau XXXX and XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.
Product: Mortgage

On XX/XX/XXXX my husband ( now ex-husband ) stopped paying for our house as he filed for divorce. At the time, President Obama introduced the Home Affordable Modification Program. Our kids ages were ( XXXX, XXXX, XXXX, XXXX ). One of the key stipulations to qualify for this program was going through a divorce. Since XX/XX/XXXX through XX/XX/XXXX I sent numerous applications and exchanged hundreds of emails with Citi mortgage to qualify for this program. They repeatedly requested the same documents ( see email with XXXX XXXX ), and every time I completed the forms and submitted the documents. There was never a clear response on the status quo. XX/XX/XXXX, I transferred my college credit hours to XXXX University and completed my XXXX  degree on XX/XX/XXXX. I acquired a full time position to start paying for the house. I saved every penny and told them I can start paying on the arrears, and they never gave me permission. XX/XX/XXXX I found out they sold my mortgage to another lender, and the lender told me they never participated in the bail out money thus I don't qualify for the HAMP program. We were devastated, and my realtor suggested that I sell the house in a short sale before they evict us. We sold the property at XXXX and within 8 months the owner sold it for XXXX. I feel Citi mortgage cheated us out of our home. Hard earned money that we invested into this home, was taken away from us. On XX/XX/XXXX we arrived through a sponsorship and we worked very hard to acquire this home. We came to this country legally, and earned citizenship through the proper channels. My children and I are unable to acquire a home in our neighborhood due to high prices. I am requesting that Citi Mortgage refund our house at the value they took from us. It is our right to own the home we worked so hard for 14 years. 

CitiMortgage, Inc. Loan # : XXXX Customer Research Team XXXX XXXX XXXX XXXX , MD XXXX Contact Person : XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

RAZOR-CAPITAIL OWNS XXXX ACCOUNT NO.XXXX, LAST PAYMENT WAS XX/XX/XXXX, AND THE STATUES OF LIMITATIONS ARE EXPIRED AND MUST BE REMOVE BY ANY OF THE THREE. ALSO, ACCOUNT WAS LISTED IN MY CHAPTER XXXX BANKRUPTCY DISCHARGE THIS TRADELINE IN MY BK XXXX XX/XX/XXXX. WE ARE OPENING OUR BK SOON AND SUING RAZOR-CAPITAL AS WELL AS XXXX ALONG WITH XXXX IN ADVEERSIAL PROCEEDING SEE DISCOVERY
Product: Credit card or prepaid card

I received a credit card statement showing that a payment of nearly {$9000.00} was made to my Citi XXXX XXXX card. To the best of my knowledge I have never used the card and I have never made a payment on the card. I did not make a nearly {$9000.00} payment on any credit card. I believe some sort of error has occurred.
Product: Debt collection

On or about XX/XX/2016 I went to the hospital ER and was treated and released. XXXX paid the bill in full. A month or so later I received a bill from XXXX XXXX XXXX XXXX for {$810.00}. I called XXXX and asked about the bill, They said not to worry that it was taken care of. They had an agreement with the hospital & doctors where they agreed on how much could be charged and how much they would pay, and they were trying to balance bill me. XXXX said they would call them. Another month or so I got another bill, so I called XXXX back. Someone dropped the ball and didn't make the call, this time they did call. I got another bill, I called XXXX back on XX/XX/2016 and while I was on the phone they called XXXX XXXX XXXX XXXX, and got this billing stopped. What I didn't know at the time was about two days before this they had sent the bill to a collection agency. Now it goes from one collection agency to another. Each time I have to send them proof where the bill was paid. And each time they put derogatory remarks on my credit report. I thought I had gotten this stopped but after two and a half years, it's still going on. It gets sold from one agency to another.
Product: Debt collection

Our previous rental management company, XXXX, has hired a collection agency to try to extract {$920.00} from us for alleged damages to two apartments where we were tenants. 
These charges are erroneous and have been grossly inflated. The complainants allege that we ruined a carpet, gouged large picture hook holes in the walls, and abused the kitchen cabinets to the point where they had to be repainted. They also claim that we owe them for several small fees that we previously had paid. 
The complainants have already reported us to credit report companies. Also, the dates of these alleged damages are very old and were brought to our attention long after we had moved out. We vacated the first apartment on XX/XX/XXXX, and the second apartment on XX/XX/XXXX. 
In addition, my wifes car was stolen from their parking lot, which was unsecured as a result of a non-functioning security gate at the entrance. 
We are honest, upstanding people who would freely pay the disputed amount if we thought their complaints were valid, but it is against our nature to not at least try to right a wrong. 
Thank you in advance for any assistance in this matter. 
Move out date from complex, XX/XX/XXXX. First notice of collection, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw unauthorized hard inquiries on my credit report and need them removed immediately. This has been very detrimental to my credit and everyday life.
Product: Payday loan, title loan, or personal loan

I was going through my One Main Financial account on my credit report and noticed that more of my {$460.00} payment is going to the interest, not the loan amount. I reached out to my XXXX XXXX, CA branch Representative XXXX and asked her what my interest rate for this account is. She then told me 35 %, when I told her the max interest rate for a personal loan in California that a company can collect is 10 % she was unaware and transferred me to another department which transferred me to another department after I told them the same story. I finally was transferred to the Customer Care Department and spoke to XXXX XXXX if he even gave me his correct name @ XXXXXXXX XXXX on XX/XX/2022, for approximately XXXX XXXX sec XXXX I told him what I told the previous representative, he said let me look at your contract, I told him California Law out ways a OneMain Financial contract. He said let me get a manager to put a complaint in. After having me on hold for so long, he came back and said his system is down and I need to call back to the Customer Care Dept. to put a complaint in. My overall complaint is if you doing business in a State and your Main branch is from another state, follow the state you doing business in rules and regulations. I am a XXXX Veteran so integrity is very big. I do not have a problem paying interest on my loan, but 35 % is too high an my State of California under article XV Section 1 states for any loan of money which is to be used primarily for personal, family, or household purposes, the maximum interest rate permitted by law is 10 % annually. I want to keep this loan as I barely make all my payments on time, but the interest rate should be modified per California Law. Thank you
Product: Debt collection

On XX/XX/2021, I sent via certified mail with return receipt a debt validation letter, proof of violations committed and an invoice for remedy for violations of my consumer rights to Optimum Outcomes which they received on XX/XX/2021 and have not responded. I also sent a notarized Affidavit Of Truth and again, Optimum Outcomes has yet to respond. They have violated numerous consumer rights ( XXXX XXXX XXXX ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ), 15 USC 1692c ( 1 ) and 15 USC 1692c ( 5 ) ), not only have they committed these violations, but they continue to violate pursuant to 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) and ( 5 ) by not providing debt validation which congress states they shall provide all 5 requirements. Their silence is and will be taken as agreement.
Product: Checking or savings account

On Wednesday XX/XX/XXXX ar XXXX XXXX ET, we did scan via the chase app and deposit a check into our business account with chase for {$5000.00}, since then we didn't receive the amount, when I called chase to check why it is taking so long, they said there is a freeze on account, and the amount. 
When I asked why? They said you tried to cash a check that written to another business into your business account! 
I said but that's what everyone is doing, and there are many banks don't say anything ( XXXX it, because I did before we asked them to send us the check ) We are XXXX XXXX, and we tried to save time! Instead of talking it 10-15 days to get the money, until the other business cashes its check, then they send us new check from their bank, then mail it, then we received it then we deposit it, then add 2 days to get it available. 

Anyway they are now requiring me to come to any bank branch ( I am overseas now, even If I am home with XXXX I am going nowhere ), and they want me to bring the original check business representative, who are in XXXX city within our state ( Texas ), then go to my banker to vouch that we are not a fraud!!! 
Now I opened this business account online! I don't even have personal or designated banker to talk to. 
And the original business representative said we don't have time to come, and do this! Every bank cashes these checks in same day, it's your problem deal with it! 

Chase didn't even said there was a hold on the account! We figure it out by ourself! 
Their only communication with us was we received the check and we are processing it. 

I have been Chase bank customer since XXXX and before with XXXX XXXX they bought, and in just last 2 month I opened 3 business accounts with them, and this is how they treat us? like criminals! 

All I was doing is to try to save time! Because you know how bad the economy is!
Product: Debt collection

I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, Mediation Recovery Center, about a supposed debt from XXXX, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.
Product: Credit card or prepaid card

I have a discover credit card where i make a XXXX minimum monthly payment. I recently have gone through financial hardship and have been late on making a monthly payment.
Product: Bank account or service

Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX am very disturbed and upset the credit bureaus have not responded back to me about my investigation this account doesnt even show on XXXX  or equifax i upload a copy of my credit report below this is a violation of my privacy and how are experian verifying this accuarte because it isnt i want this deleted immediately. 
this is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am oh and i have proof also i have certified mail with tracking number with these bearus Tracking Number : XXXX-EQUIFAX Tracking Number : XXXX PLEASE REMOVE THESE ACCOUNT OF MY REPORT