23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX workmans comp. Went to ER. I had several medical bills that came in. XXXX  XXXX XXXX said they were working on them. One of the Bill 's was XXXX XXXX XXXX XXXX XXXX. I only got 1 bill from them so I thought that it was paid finally. Then in XX/XX/XXXX on my credit report was that amount but it was a different name " Head Mercantile ''. So I called from my credit report and tried to talk to them since this was a workmans comp bill but the man was rude, verbally threatening. He called me a liar about it being workmans comp. He would not help with information about the bill. Except keep telling me that he would do any and everything possible to get the money. 
XXXX XXXX  XXXX XXXX XXXX hired Head. I eventually found out " XXXX '' found out that it was workmans comp and not self pay. They filed with XXXX XXXX yet leaving Head after me for the bill. I have talked to " XXXXXXXX '' and have an updated bill but " Head '' will not accept the bill nor will they remove it from my credit. I'm attempting to buy a house but my credit scores have dropped because of the derogatory bill against me. I'm XXXX XXXX   XXXX veteran on limited income and this is what no one will help me with.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX  IL XXXX Reference # : XXXX XXXX Bankruptcy Court Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Product: Debt collection

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : PORTFOLIO RECOVERY ASSOCIATES Account number XXXX ....
Product: Debt collection

We received a foreclosure claim from the Bank of New York Mellon that they have petitioned a claim of a debt owed to them by us. The petitioned claimed that the Bank of New York Mellon is the holder of the note to our property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX we then contacted the said bank by email ( see attached ) and they stated that they do not own the loan or the property. we them followed up for them to clarify by signing an affidavit and they have not responded to our urgent request. We have attached the affidavit to this complaint.
Product: Bank account or service

This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..
Product: Mortgage

I am an at torney and represent daughter of mortgagor who conveyed to her, subject to mortgage to Quicken Loan o f approx  XXXX  on house worth  XXXX  ( interest per month is approx.  XXXX  ), couple months before he dies. Daughter had moved in about year before to take care of him. No estate ever opened ; sister has will etc. wo n't speak to my client, and my client tried to talk to quicken they said ca n't talk to her, VA loan not assumable anyway?? meanwhile they serve h er w forc  papers in another state, nearly goes to public auction, I get it dismissed but quicken and/or their attys say ca n't talk to her, she ca n't get pay-off, she is not on the loan. I learn client does qualify as successor in interest and attys and quicken still saying she no right to info. I asked in writing for pay-off and forced placed insurance costs starting in  XXXX  Just received pay-off this week, has all the costs added on We are having trouble paying off all their charges, and rfealize i f Quicken had reaced out to her re successor in interest status, she had mnoney to pay and would not be looking at losing her house, but would have made the payments, or at least would not have lost so much in time, attys fe es, their fees, etc.
Product: Credit reporting or other personal consumer reports

My transunion credit report is reporting 2 of my XXXX XXXX accounts incorrectly. They are reporting them as new accounts and my accounts go all the way back to XXXX. This erroneous information has dropped my transunion credit score over a XXXX. Now XXXX XXXX is threatening to close my 4 XXXX cards because of this error. Please help asap.
Product: Vehicle loan or lease

I believe that Volvo missapropriated several lease payments and instead of assigning large payments which were to be attributed to the pay off amount, they instead applied as lease payments after the termination of the lease. I ended having to make extra payments to ensure I exercised the purchase option prior to the termination of the lease. This is my third CFPB complaint on this issue, I really need your help and assistance. Please do not close the complaint without discussing with me first. This is my second serious issue with Volvo as it relates to financing/purchasing a vehicle. A representative at a dealership changed the agreed terms and forged my signature on a previous purchase adding items I did not agree to. If Volvo 's assertion is that the payments I have made were allocated correctly they should provide a statement reflecting payments and how they were allocated. That is a simple request and will either validate my complaint or help resolve it. While Volvo has acknowledged that I have purchased the car, they have not provided me with the new title and I still have not received the new tag. We recieved a citation today and I have had to renew the tag despite this being included in the payment sent to Volvo.
Product: Credit reporting or other personal consumer reports

I just received an alert today from credit reporting companies that I have a late payment from XXXX. I have not used XXXX  and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.
Product: Debt collection

Around XXXX XXXX XXXX called my cell phone and asked me why I did not pay my capital one card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a capital one credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them capital one debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

My husband and I were in a financial crisis. so we hired an attorney to help us not to lose our home... this went on for a while. payments were being made by the trustee.. bankruptcy was dismissed and so I tried to get loan modifications to get current with our mortgage or loan extensions, anything to help us keep our home. I submitted all documentation that they required. but no luck.. they kept denying my loan modifications.. couldnt never get the right person on the phone to help. Not even our attorney did anything to stop the foreclosure. keep in mind we were still in bankruptcy...
Product: Vehicle loan or lease

I have made multiple calls to Credit Acceptance at XXXX to obtain the release of a lien on my deceased mother 's car. She died in XXXX and I have provided them with her SSN, the letters Testamentary and my appointment as executor from the Court in XXXX. The car was paid off many years ago. My mother 's name was XXXX XXXX. XXXX, and the account number was provided by Credit Acceptance as XXXX. 
The company called me in XX/XX/XXXX while I was out of the country, and and said they were mailing the lien release. It did not arrive, even though they had my address. When I contacted them after the first of the year, they claimed to have mailed it to my deceased mother 's address ( the  family sold the property and we do not receive mail there. ) Then On or about XX/XX/XXXX, Credit Acceptance promised to mail the item to my address in XXXX, VA. When it did not arrive by XX/XX/XXXX I contacted them again. They admitted sending it to an incomplete address in XXXX. I called them the next day and provided a fax number. They company alleged they sent the fax on XX/XX/XXXX at the end of the business day. They did not provide a confirmation number, and the fax was not received. This is causing a real hardship, because without the lien release, I can not sell my deceased mother 's car. 
I think this company is engaged in deceptive practices and they have been provided sufficient information to comply with my request on multiple occasions. My auctioneer who sold my mother 's personal property also had 0 success dealing with Credit Acceptance. At the time of her death my mother was XXXX and suffered from XXXX. There is no way that any person with any kind of impairment ( or even without impairment ) can get this company to provide requested information even when all the necessary information is provided.
Product: Mortgage

Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ).
Product: Debt collection

I am writing to formally dispute the following inaccurate information on my credit report. Please consider this letter as my official request under the Fair Credit Reporting Act ( FCRA ) for the removal of the inaccurate information listed below from my credit file. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information in my credit report is inaccurate and therefore must be corrected or removed to comply with the law. 

Additionally, under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this matter. I ask that you investigate and resolve this dispute within the XXXX time frame, as required by law. Please remove or correct this inaccurate information and send me an updated copy of my credit report once the investigation is complete. 

Enclosed are copies of supporting documents ( such as my identification, billing statements, or other proof ) to help verify my claim. Please let me know if you need any additional information from me to resolve this dispute. 

I appreciate your prompt attention to this matter. Please send a confirmation that you have received this dispute and the results of your investigation to the address listed above. 

Thank you for your time and attention.
Product: Debt collection

Wakefield  Collections Agency- Unscrupulous collection practices I started receiving reporting in collection notices from Wakefield and Assoc shortly after. The creditor was listed as " XXXX XXXX XXXX '' - which I have never done business with. The remaining balance is {$820.00}. I have requested information/ statement about this account and haven't heard nothing back. They are claiming wrong information. 

I know per my research they are crooks trying to steal money from people. with no accounts associated to them. 

Please help.
Product: Debt collection

I sent a certified 609 letter to XXXX on XX/XX/ requesting copies of validation of debt they received from First Premier Financial that was closed and reported as a reposession. I spoke with a representative last week on XX/XX/ and he stated the handwritten letter was received. The information came back as verified however proof was not sent to me per request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide proof of investigation for an account listed as XXXX XXXX XXXX on my credit report. XXXX is in litigation due to deception. The account was settled and the company was found at fault. The account has been removed from 2 other bureaus. I have asked Experian to provide proof of reinvestigation and they haven't. Instead Experian updated my account as unchanged without showing proof of investigation. 

Under the Fair Credit Reporting Act Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in the consumer 's file if the consumer alleges the item to be inaccurate. 

There are two XXXX accounts reporting on my credit report with the same account numbers but different opened dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I was supposed to receive a response from US Bank to my previous complaint ( XXXX ), which you closed. I have not received any response from them. However, I received another statement on the account that was fraudulently opened and which they refuse to close. I would like to know why they are refusing to close this account, which I have advised them was fraudulently opened under my name/address.
Product: Credit card

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Product: Debt collection

I have tried to resolve this issue by disputing and no resolution. I have said Im a victim of identity theft and they dont take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.