23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) XXXX XXXX was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) XXXX XXXX has harassed the physical person damaged my reputation and stole my property. 
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 XXXX XXXX has willfully mutilated my account Experian and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Product: Mortgage

I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have a account removed from my report with no luck, I have attempted to have my correct personal identifier 's on the report with no such luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report
Product: Credit reporting or other personal consumer reports

This company reported on my credit report in XX/XX/year> about and account that was opened. This account was opened fraudulent online. I have asked the company to remove off my XXXX, XXXX, and XXXX repeatedly and they have refused. Someone used my information to open an account.
Product: Checking or savings account

My problems started when I responded to a house located at XXXX XXXX XXXX, that I am interested in purchasing. It was listed by XXXX XXXX in XXXX, Ohio. He told me to contact XXXX XXXX XXXX - XXXX XXXX XXXX I received an email from her that XXXX XXXX had forwarded my info to her- who in turn recommended that I complete an online application at XXXX, to pre-qualify. I did this late Tuesday night XXXX, XXXX, XXXX.In this application, I was asked about where I bank- I put in Chase Bank ; but no account numbers were included. Immediately, afterwards, I received an email from her that she would be in touch with me to go over my application. On Friday Morning at XXXX XXXX. I started receiving text messages from XXXX, and from XXXX ; and XXXX that there were issues with my Chase Bank Accounts. 
Someone was trying to gain access and was trying to reset my passwords. I went into the online application to reset my passwords. The very next thing that happened was I started getting messages from XXXX XXXX that there was a {$180.00} transaction at XXXX XXXX XXXX, and wanted to know if it was me. I tried to respond by texting No but I continued to get- transmission failed. 
I contacted XXXX XXXX Support but they were closed. Their message to me was that there had been several attempts to access the account, and to try back in 24hrs. 
Please note : This XXXX XXXX is connected to one of the the very bank accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX XXXX but they would not help me. I have payed this account off and I want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/2024, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of XXXX XXXX XXXX XXXX, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.
Product: Money transfer, virtual currency, or money service

I took my kids checks ( earned from small XXXX  XXXX  jobs that pay per day so we had several checks per kid, and they wanted cash ) to the -issuing bank-, Wells Fargo . They asked if I had an account there to deposit them, and I said no, I just wanted them cashed. They charged me {$7.00} per check without informing me that it would be a charge. I find this a ridiculously predatory fee, and predatory in how it was carried out. It amounted to more than 10 % of the checks amounts. From the bank who issued the checks, the bank that can check its own customers accounts in real time if desired, and assumes virtually no risk in cashing the checks. Even XXXX checking services charges less. 

How can a bank charge to cash its own checks?
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting the accounts listed as XXXX. Experian is the only credit bureau reporting this alleged debt and they have provided me with evidence that they performed a reasonable investigation that actually validated this information. Furthermore I am unable to be indebted to any creditor as the negotiable instrument being used in this transaction gains interest from the trading. The only reason Experian continues to report this information is because they are paid from the selling of consumers information and transactions with companies.
Product: Money transfer, virtual currency, or money service

I was not given the disclosure that if the wrong person was chosen that I would not receive my money back
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information several times via USPS, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. I have an account that paid in full with a zero balance thats only reporting on Experian. This account should have been deleted once is was paid in full. Experian will not tell me why they won't remove it. They continue to verify this account electronically and not do a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX  was also closed. 

This remaining balance, T-Mobile claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXXXXXX XXXX Capital one auto finance All ran a hard inquiry on my trade line with out my prior authorization, and or understanding, they had no written consent or signature of mine. I have my credit monitored and protect it, and when anyone tries to run my credit, I have to approve it to which I did not. None of these lenders have an account attached to my credit therefore, under the Pennsylvania XXXX credit reporting I would like them removed Also, Ive reached out to all three of these lenders in XX/XX/year> They suggested I filed dispute. 

Ive tried to dispute with XXXX XXXX now Im taking it a step further.
Product: Mortgage

I filed for bankruptcy in XX/XX/2018. At the time, we had a first and second mortgage. First was with XXXX XXXX and the second with Ocwen, now PHH. My husband DID NOT file for bankruptcy. He is also on the mortgages. We are trying to refinance our mortgage now that my bankruptcy is discharged. We are trying to refinance only in my husband 's name since I'm working on rebuilding my credit. During this process of the new lender and XXXX XXXX working to obtain a payoff amount from PHH, it was discovered that my husband was removed from the PHH loan in XX/XX/2018, and PHH is saying it was a modification. There was no such modification nor should my husband have been removed from the loan. In addition, we never authorized this or signed any documents. We are unable to refinance in my husband 's name until the situation is rectified. PHH removed him from the loan unlawfully.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Mortgage

I have not recieved a notice that my mortgage was transfered and the new company stated that I am past due but they have not issued me a bill. Neither company has issued me information on the transfer.     Company  1 -   XXXX   XXXX   2- Selene Fianance
Product: Credit card or prepaid card

After applying for a XXXX XXXX credit card, all monthly payments have been made timely with the exception of one month 's payment. The most previous balance on my card increased by more than {$52.00} because of an interest fee, causing an issue with the payoff of the credit card. If the company continues to charge an exorbitant interest fees, I will never be able to pay off my credit card.
Product: Debt collection

Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.
Product: Mortgage

My Mortgage company ocwen was bought out this past XXXX by PHH. I was one payment behind. I have made 10 payments this year, and bank statements to prove. They claim that I had arrearages and applied payments to that. I have nothing that states that. 
After several attempts, long holds, many customer service people whom told me something different each time, various departments, NOTHING but telling me that I haven't made a payment since XXXX. And that is absolutely NOT the case. I have a modified loan, for 9 years, owned the home for 25 years. I DO NOT WANT TO LOSE MY HOME!
Product: Mortgage

On XX/XX/2020 my home had roof damage from a severe thunderstorm. I immediately contacted my homeowners insurance to file a claim. I had 3 roofers give me estimates for the damage and I submitted a bid from the roofer I choose. My insurance approved the estimate of {$9700.00} minus the {$1000.00} deductible. On XX/XX/2020 I received a partial payment check for approximately {$5900.00} and the insurance company said the balance would be paid upon completion of the roof. The check was written to me and my mortgage company. I contacted my mortgage company and was told via phone to mail my check to them and they would endorse it and return the check to me. Over 2 weeks later they mailed back the check ( not endorsed ) and stated I and the contractor had to submit 14 pages of forms, I had to endorse the check and sent all the information back to them. I submitted all the required forms and returned the insurance check which I endorsed and the mortgage company received the package on XX/XX/2020. I called the mortgage company every other day and spoke to 4 CSRs 2 supervisors to get them to send a check to pay the roofing contractor. I have finally received a check of {$2800.00} on XX/XX/2020. Now I have to go through another lengthy process for them to release more funds. I am living with tarps protecting my home and we have had several severe storms including a tropical storm and fear additional damage to my homes interior. In addition my roofer is understandingly not happy since we have had to postpone repairs due to my mortgage company 's delays.
Product: Debt collection

On XX/XX/23, I was checking myself into XXXX XXXX, but before I did I contacted Credit Acceptance to move my payment to XX/XX/23, they agreed to on a recorded line, I agreed to the recorded statement of the payment cancelation and new payment date for XX/XX/23. On XX/XX/23, Credit Acceptance ran the payment causing a NSF fee, I contacted them and was advised that a supervisor will review the call and contact me back, on XX/XX/23 Credit Acceptance ran the pay again causing another NSF fee, I contacted them and spoke with a supervisor and she stated the another supervisor reviewed the call today and she don't know why they ran the payment I advised the supervisor that the need to refund me my NSF fees and that I will be calling in on XX/XX/23 to make my payment as agreed on XX/XX/23 and now they are changing me return payment fee, because of their negligence.
Product: Mortgage

ATTORNEY MISCONDUCT COMPLAINT Date : XX/XX/XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Servicer : XXXX XXXX XXXX XXXX  Trustee : XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : My name is XXXX XXXX XXXX, I am the Trustor for this property.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX XXXX talked to XXXX XXXX Trustee Sale Offcer on XX/XX/XXXXand gave him the information that the Temporary Restraining Order ( TRO ) is granted, requested him to postpone the sale, he said that he does not know that he can postpone it, he need to contact the loan servicer_XXXX XXXX XXXX XXXX XXXX ( XXXX ) to find out how they want to proceed the sale even he know that the TRO is granted.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX again and talked to XXXX XXXX and noticed her about the TRO, she said the sale date isXX/XX/XXXX nothing changes. She said that if I need more information I need to submit it in writting.

XXXX called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXat XXXX talked to to XXXX XXXX Trustee Sale Offcer to notice him that the borrower reinstated the loan, wire amount is {$190000.00}. He confirmed that the sale date is XX/XX/XXXX at XXXX.

XXXX  called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXtalked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX confirmed the sale is active, sale date isXX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX again onXX/XX/XXXX talked to XXXX XXXX XXXX XXXX  confirmed the sale is active, sale date is XXXX XXXX XXXX at XXXX. He advised XXXX call XXXX XXXX a paralegal for XXXX phone number is XXXX. He told XXXX that as of yesterday ( XX/XX/XXXX) he confirmed with XXXX  that no payment has been received.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXXat XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

This law firm is not Maintaining The Integrity of the Profession Rule 8.4 Misconduct.

This law firm violated Rule 8.4 Misconduct.

( a ) violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; ( b ) commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation.

Attachments : 1__XX/XX/XXXXReinstatement from XXXX__XX/XX/XXXX 2__Wire to XXXX__XX/XX/XXXX 3__Wire to XXXX XXXX__XX/XX/XXXX 4__Sale Date__XX/XX/XXXX 5__State Bar Complaint__XX/XX/XXXX
Product: Checking or savings account

I had a temporary hold placed on my Cashapp for {$100.00} on XX/XX/year>. I made a purchase for {$4.00} and the hold was released on XX/XX/year> and the hotel charged me only {$4.00}. It is XX/XX/XXXX and the {$100.00} hold is still on my account. I received receipts from the hotel and sent them to Cashapp and they still will not release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and Experian showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to Experian and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports Experian deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first  house using my VA Loan and now that has been jeopardized. When I contacted Experian to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report Experian because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX ( XXXX ) XXXX and I hope this could be rectified as soon as possible.