23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio marked my last complaint as a duplicate which it was not and if they mark this the same it It's still a printable complaint which can not be removed from the database.Portfolio is  sueing me for an account which is the result of identity theft.they say because there were payments made on the account that that's their proof and I will be liable for all attorney fees.this is a violation of my identity theft laws to which jhportfolio is in violation of the rules.i never had this card this is identity theft.the thief took out multiple cards and payed on them and then defaulted.other companies have removed thier fraudulent accounts.portfolio says my counterclaim is made out of retaliation, which it is not.it is to make them accountable for thier harrassment of a fraud victim and I will prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these inquiries and I have included the identity theft report as well. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

When I provided a copy of the FTC report, it was determined that TransUnion and XXXX credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If they choose not to impede the following accounts recorded under that are responding incorrectly because of fraud. The following accounts need to be removed from my file : XXXX CARD XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Product: Debt collection

I have never been in a contract with this collection completely before please delete as it is fraudulent.
Product: Mortgage

As a follow-up to complaint XXXX, on XX/XX/2023, Mr. Cooper made an unscheduled XXXX unapproved debit of my ( and I assume thousands of others ) linked checking account without notification. My monthly payment is scheduled to be completed on the first of the month, as has always been the case for the duration of this loan. The lack of information flow and poor management of the cybersecurity incident affecting Mr. Cooper has left me without a sense of what PII may have been released, when future payments will or will not be debited, and severe lack of confidence in the ability of Mr. Cooper to service my loan competently.

Furthermore, payments are not being recorded on Mr. Coopers website, despite clearly being recorded by the bank ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized LexisNexis to obtain my credit report.
Product: Debt collection

The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.
Product: Credit reporting or other personal consumer reports

I submitted documentation via priority mail w/ my personal information and letters from and the company stating they never recieved by documentation when it shows it was delivered my tracking number from the XXXX XXXX tacking number and I have a receipts.
Product: Checking or savings account

On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX I deposited a total of {$4900.00} into the Bank of America ATM IDXXXX XXXXXXXX ( check ATM camera ) located at XXXX XXXX XXXX XXXX in XXXX XXXX CA, of that amount the ATM only accepted {$3600.00} and returned {$1300.00} back to me. I attempted to redeposit the remaining {$1300.00} multiple times ( XXXX times ), every time I inserted the money, the ATM would try to count the money making the fast-ticking counting sound and returning the money back to me. On the XXXX attempt, the ATM did the same action, the fast-ticking counting sound, and the the insert money window tried to open multiple times making a strange sound and suddenly the screen turned off, kept my {$1300.00} deposit, and displayed a message to contact Bank of America because the ATM is temporarily unavailable. I immediately called Bank of America to report this matter. 
On XX/XX/XXXX, I get a message in my banking app with the resolution We adjusted your claim because we received {$100.00} in cash for your deposit. Since we gave you a temporary credit, well debit your account {$1200.00} on XX/XX/XXXX. This resolution is NOT ACCEPTABLE because I deposited {$1300.00} on that ATM before malfunctioning and I do not know how investigators do their job. I went to the location where those ATM machines were and they are no longer there, I spoke to the employees on site, and they said that the XXXX was broken-in and that these ATM machines were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has posted on my account that I did not pay XX/XX/year> XX/XX/year> And placing a late payment on my credit report which is totally incorrect due to me always making my payments on time this is a mistake and I asked for it to be fixed and those late payments to be removed from my report.
Product: Student loan

Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )
Product: Credit reporting or other personal consumer reports

i have been disputing account on my credit thats reporting inaccurate information from XXXX XXXX and equifax it keeps coming back verified i asked for proof they doesnt provide me with anything about the accounts i have been voilated by codes 15 U.S. Code 1681 ( i ) - not deleting items that are inaccurate or incomplete 15 U.S. Code 1681 ( i ) ( a ) - not providing you with the method of verification within 15 days after asking for it 15 U.S. Code 1681 ( i ) ( a ) - not reviewing all documents that you send them in your disputes therefore not conducting a proper re investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, XXXX and Experian asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXXxxx XXXX XXXX XXXX XXXX XXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.
Product: Credit card or prepaid card

Please see attached correspondence dated XX/XX/22, provided to XXXX, responsible for the Elan credit card closed for numerous reasons delineated in the correspondence. Note XXXX XXXX Elan : -violated contractual agreement to deduct autopay on file -fraudulently more than tripled the single {$50.00} charge ( to {$180.00} ) they failed to pay from my open account which contained several thousand dollars for in excess of a month after the charge was to have been deducted -have since been committing harassment, calling one or multiple times daily - documented by my cell carrier. 
-I believe they have fraudulently reported their negligence to credit agencies, significantly negatively impacting my credit score, resulting in meaningful damages - all above information was provided untimely, as they failed to send any correspondence to my proper address on file, disregarding numerous notifications of change of address in excess of one year ago.
Product: Debt collection

I have been disputing this account on my credit because it is clearly inaccurate. RECEIVABLES MANAGEMENT SYSTEMS has been assessing interest, penalties, and fees on my credit, which is prohibited under the FDCPA. They also have never sent me any information in the mail, despite my requests, which is a violation of the FCRA. I am tired of having to fight an account that is so flagrantly illegal! Please assist me any way you can!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX  XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

We have a Insurance claim with a loss date of XX/XX/2018, where remediation was completed. Now our house is torn up and we finally got the remediation check from the Insurance company. The mortgage company, Flagstar, was put on the check so we call them and asked them how to have it signed off on to get the funds. We were sent a check list and told if under 10,000.00 they would only need the check signed and the Insurance estimate. We overnight this to the mortgage company. There was a few days later the check for the rebuild that exceeded the XXXX, so we got the remaining information they wanted and sent it by priority mail. This was delivered on XX/XX/18 @ XXXX. We have called two times and this last call on XX/XX/18, they are telling us they do not have the information and that it take up to 48 hours to get the information in the system. Note it has been over 48hrs. They will not release any of the money and the manager stated that he will only send an email to see if they can find it. In the mean time we have had our house torn up with the remediation, that was completed over three weeks. The contractor is waiting on getting paid to put our house back together. I have been an XXXX for XXXXyrs and have never heard of any Insured having this much trouble with a mortgage company. We need help to get our house back together. This has been going on for almost 3months and it was not even a natural disaster.
Product: Credit card

This account was opened without my consent. This account is by default and I didn't open or ask for an account. This account is incomplete and the information is illegal to report especially when i identify the reasons for the account to be removed and deleted. 15 usc 1681i ( a ) ( b ), 15 usc 1681s-2/ 15 usc 1681c-1 is violating my consumer rights.
Product: Mortgage

I am writing to file a formal complaint against MrCooper regarding the failure to compensate for the property tax late penalty on my mortgage loan. I believe that my situation merits investigation and intervention by your esteemed organization. 

I have been a loyal customer of MrCooper for XXXX years, and I have consistently made timely payments on my mortgage. However, I encountered an issue related to the payment of property taxes for fiscal year XXXXIssue : In XX/XX/XXXX, I experienced a delay in the payment of my property taxes due to MrCooper 's failure to make on-time property tax payment from my escrow account. As a result, I incurred a late penalty on my property taxes for the amount of {$370.00} and {$64.00}, which MrCooper was responsible for covering since it was managed by MrCooper at that time.

Attempts to Prevent late fee : I contacted MrCooper on XX/XX/XXXX and informed them about the upcoming property tax due date to avoid a late fee, despite my effort, the tax was paid late in XX/XX/XXXX with the penalty. 

Attempts to Resolve : I contacted MrCooper on XX/XX/XXXX to bring the matter to their attention and seek resolution. to bring the matter to their attention and seek resolution. Despite my efforts, I have encountered significant challenges in obtaining compensation for the tax late penalty. The customer service representatives have been unresponsive and failed to provide a satisfactory resolution to my concern for over XXXX  months. 

I believe that MrCooper has violated the terms of our mortgage agreement by not compensating for the tax late penalty, causing undue financial burden and stress.
Product: Debt collection

I have sent validation letters to this company and all they send .is an itemized bill/statement with no contract or paperwork bearing my signature. Plus, they refuse to send any paperwork with a HIPPA release letter. This is being reported on ALL my credit reports in a negative/derogatory way and I would like it removed immediately.. 

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

Credit control Corp Is currently reporting XXXX accounts from what could be a possible XXXX XXXX reporting on my credit which I have no knowledge to and they will not provide enough information to determine whether I am the correct account holder
Product: Credit reporting or other personal consumer reports

I looked over my credit report and discovered some credit card accounts that are not 100 % accurate and information that can not be confirmed in any manner! I now understand that it is illegal for you to submit any information, data, credit cards, or collections that do not appear to be entirely true. These rules safeguard both myself and other consumers. Within These fraudulent ACCOUNTS on my credit report are a serious violation of not reporting an account 100 % accurately. For these violations, I can sue XXXX TRANSUNION AND XXXX. The Fair Credit Reporting Act states that everything on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ).
Product: Mortgage

In mid XX/XX/XXXX I contacted the bank to pre pay my mortgage payments for XXXX and XX/XX/XXXX. After taking both payments via telephone call the bank representative told me both payments will be reflected on the account in a matter of days and I wont need to worry about making another monthly payment until XX/XX/XXXX. 

In XX/XX/XXXX I receive a call from the banks Mortgage Division stating they had not received payment for the month of XX/XX/XXXX and that I was late. I became very frustrated and explained to the representative that I had made two payments in XXXX so it was not possible that my account did not show the payments. I was the transfered to the online banking division where another representative said they had applied my two XXXX payments to the incorrect mortgage account ut they would correct the issue immediately. I was given claim numbers XXXX and XXXX for the call and told not to worry about making additional payments since the situation would be corrected and both payments would be applied to the correct mortgage account retroactively with the mid XXXX dates. 

On XX/XX/XXXX I received notification from my credit monitoring company indicating the bank has reported my mortgage as a delinquent payment account with a delay of more than 30 days. This has severely affected my credit score and caused severe XXXX  and mental aguish to myself and my family.
Product: Credit reporting or other personal consumer reports

The credit Bureau 's stated XXXX XXXX XXXX XXXX Account number XXXX was properly investigation but how is that possible if it open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A section. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont report my credit card. Initially they told me that I had to request my credit card issuer report it to the credit bureaus. I did, and XXXX  and XXXX  reported it. Its been over a month now and Experian still wont report it on my credit report. Ive emailed them constantly but they just ignore my request completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: 	XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX< 	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX
Date Updated: 	XX/XX/2017
Original Amount: XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 
COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX