23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I am giving ENHANCED RECOVERY COMPANY , LLC, the opportunity to solve this matter amicably and avoid time and money spent in a legal process. I am contacting you regarding my ENHANCED RECOVERY COMPANY , LLC, account : Account Information : Account # : XXXX Date Opened : XX/XX/2020 Account Type : Collection Balance : {$0.00} The account has been re-aged, I was excessively called and harassed despite telling the collectors not to call my phone thought an auto dialer. I told them this was not a valid debt and they not only failed to mark account as disputed, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen+ Remedy : deletion account from all credit bureaus.
Product: Debt collection

A borrower Defense application was made in XXXX. It was approved for fraud by school. They received my student loans and, they also received my pell grants. 
The school applied the loans I signed over to the school to tuition. As they stated they collect any first money received. The loan was take in a different name XXXX XXXX XXXX. 
The loans originally was given from XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to dispute the loan for identity theft/fraud since I became aware they also received my pell grant money. XXXX, XXXX, and Tranunion continued to report XXXX XXXX XXXX on my reports. 
The Loans were removed once for a few months only to re-report the XXXX ( XXXX ) loans. 
These tactics to a low income pell grant approved person has caused XXXX ( XXXX ) years of paying over XXXX ( XXXX ) XXXX dollars a month for over XXXX ( XXXX ) years. I continue to to pay multiple small loan/credit cards, to even access money I needed. My children and family have been caused poverty even though, I have XXXX ( XXXX ) XXXX percent payment history without fraud that been reported and, re-reported for XXXX ( XXXX ) years. I have notarized recorded documents in XXXX XXXX from around XXXX. Along with much more. 

XXXX XXXX, XXXX
Product: Credit reporting

Originally XXXX XXXX reported a balance of XXXX on a credit card that was paid in full and closed, and now it is still being reported by XXXX XXXX and by Transunion, XXXX, and XXXX, as closed but with a balance and that is incorrect it should report closed with a XXXX balance on all XXXX credit reporting agencies. and no one is doing anything to get this issue corrected. IT IS HURTING MY INCOME TO DEBT RATIO AND MY CREDIT SCORE. 
SEE ATTACHMENTS : THEY CONTAIN TRANSUNION RECORD AND XXXX XXXX RECORD.
Product: Debt collection

Upon checking my credit file Ive noticed a company named Convergent outsourcing Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I have several strong credit reviews from XXXX XXXX XXXXXXXX Well Fargo and other cards that said I could prequalify which is a lie because they hurt my credit and it is not fair to give false information between prequalifying and sending a forced credit application
Product: Mortgage

I purchased an owner-occupied home on XX/XX/2019 from XXXX XXXX  Services for XXXX XXXX XXXX # XXXX. I obtained a loan from XXXX bank which is now XXXX bank in the amount of {$160000.00}. 

My sales contract shows the legal property description as follows : Property Description : The property is located in XXXX XXXX, Florida. Property Tax Id : XXXX. Legal description of the Real Estate Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Warranty Deed I received at closing lists the property description as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, according to the map or plat thereof, as recorded in XXXX XXXX XXXX, Page ( s ) 10, of the Public Records XXXX XXXX XXXX, Florida. Parcel Identification Number : XXXX. 

XXXX XXXX XXXX XXXX illegally changed the legal property description, submitted a fraudulent warranty deed to XXXX XXXX XXXX  XXXX now XXXX XXXX ) that excluded Lot 1 and Lot 2 from the warranty deed I received at closing. 
XXXX XXXX XXXX XXXX sold Lot 1 & Lot 2, to two different, out of state, married couples who they have previously completed several real estate transactions with. I am not certain if these individuals who are actual people or fake people. Lot 1 has the address of XXXX and Lot 2 has the address of XXXX. The homes are being managed by a property management company called XXXX XXXX. I have substantial evidence that will prove that fraud and other illegal acts in a real estate transaction was committed by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I continue to receive declined check text from information from places that I tried to cash a business check from only to have it declined and the business nor certegy can tell me why. I have not had a checking account or utilized a check for XXXX  years and the checks are not my written check but from a business. I am asked for the account number and routing number but that information wouldn't be on a business check to me. They are treating this as a personal check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes
Product: Debt collection

There is an account on my credit report under LVNV FUNDING LLC that was opened on XX/XX/2018. I have no idea who the original creditor is or why this account was placed in collections. I have never received any information regarding the collection of this debt, or the original debt itself.
Product: Credit card

I received a phone call from a company  call C &amp; M associates  who told me I owed over {$4000.00} on a credit card account issued to me by  XXXX  Bank in  XXXX . They offered to settle the debt out for {$1700.00}. After going over my records I could find no information that I ever had this credit card, nor any indications from my bank records that I ever paid anything on this account nor does my credit reports show any indication that this account was in arrears. To the best of my recollection I never had this account, never received statements from that bank, nor did I ever receive any calls or dunning letters from collection agencies, other banks who bought out this debt from   XXXX   XXXX   until yesterda  XXXX    XXXX   . After 14 years I talked to only the man who called me yesterday and offered me a settlement on this account. He never identified himself as a debt collector and when I asked him if he worked as a debt collector he said no that he worked for a debt acquisition company. I asked this man to send all documents pertaining to this account and he agreed. Although he never orally told me the name of the company he worked for it showed on my caller ID to be  C &amp; M associates. I looked up the company online and contacted them. At first they told me they had no information at all under the case number provided to me. Then I was transferred to another man who told me the case had been closed. However he could not open the file himself and I was directed to a supervisor who had access to the file who opened it and said it was closed to do " refusal to pay ''. I never refused to pay but asked for documentation of this debt. I was then told I could settle this debt for " let 's say {$500.00} '' and I said no that until they could show me some documents which showed I actually owed this debt I would not pay anything to resolve the matter at hand.. He promised to look into further and contact me if he found evidence of ID THEFT. As  I said above over a 14 year period I have never received any communication from  XXXX  Bank, Collections Agencies or any of the banks that  XXXX  Bank sold out there credit card debt too. As I understand it this debt was sold to   XXXX   XXXX  , then to  XXXX  and finally to  XXXX  &amp;  XXXX . After that it was sold to a number of debt acquisition companies before ending  up with C &amp; M Associates. As I h ave said, first the man I spoke to did not inform me he was trying to collect a debt, and I over a 14 year period have never received any communications in any form as to the status of this credit card account, so I was never given a chance to dispute it, plus there are no record of this debt on my credit reports or my bank records. I am left with many questions about  XXXX  Bank a nd C &amp; M Associates.  It is hard for me to believe that this debt was floating around for 14 years and I never received any communication from a  Debt  Collector, nor that it does not show in anyway on my credit reports. I am dumbfounded by this and any advice your agency would provide me would greatly be appreciated.
Product: Debt collection

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.

ONLINE INFORMATION SERVICE has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.
Product: Debt collection

I get repeated calls from a company called XXXX XXXX ( XXXX ) for a debt they say I owe. I told them the number they are calling is my work number and not to call me. They told me I owed money to someone that I have never received a statement from, or even a phone call from. If money was owed, I should have received some sort of communication from that company. It is that companies obligation to send me a detailed statement of any charges. The people at XXXX XXXX are extremely rude and even though I asked them not to call me at work, they still do. This unfair collection practice needs to stop, and if money was owed why have I never been billed.
Product: Debt collection

On the date of XXXX/XXXX/17 I received a notice that I was being sued for unpaid Amount of {$620.00}. This company has not contacted me by phone at all before receiving documents that I am being sued. I contacted the company to request a complaint form. Also I requested to see signed documents by me that details my promise to repay the fore mentioned debt of {$620.00}. When speaking to person representing the company they couldnt provide a definitive origin of the {$620.00} debt. But they did provide a date that my signature was made promising repayment of debt. The company said they would send me a complaint form and a signed contract between me and the company fore mentioned. I do not believe that I owe an amount of {$620.00}
Product: Credit reporting, credit repair services, 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The reported late payments do not align with my regular payment history.
Product: Debt collection

On XX/XX/2021, I noticed unauthorized charges from my XXXX account and reported to XXXX right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, XXXX sent me XXXX emails telling me I got double credits for the disputes I filed and put {$530.00} into my XXXX balance negatively. 

I called XXXX right away upon seeing these emails and charges placed by XXXX and asking for getting the issue resolved. None of my XXXX calls get the problem settled. 

Now I start receiving debt collection calls and mails.
Product: Payday loan, title loan, or personal loan

I have recorded calls with this company promising to remove the inquiry. One Main Financial is brandishing a fraudulent inquiry on my credit report. I have tried contacting them before about this issue to no avail. Since recognizing the inquiry I have place a freeze/fraud alert on my consumer credit reports. But the company One Main Financial still hasn't rectify the issue. If issue isn't rectified, I will be proceeding with legal actions. Because I didn't authorize that inquiry.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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. 


XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  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
Product: Credit card or prepaid card

I ordered XXXX gold plated necklaces. XXXX herringbone and XXXX gold rope. The both were supposed to be real gold plated. The change my neck and {$600.00} XXXX shirt blue. They both are not real. I called and in XX/XX/XXXX to file a complaint and insurance claim. They did not start my insurance calling until XX/XX/XXXX. They are saying it will take XXXX weeks for the insurance department to investigate and contact me which is completely unjust and unfair. I would like this issue to be resolved immediately and a full reimbursement of my {$600.00} for my XXXX shirt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i went in person to ACE CASH EXPRESS located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. I inquired what i need to take a loan out with them sense I've previously taken one out on 2017. The representative said i only need my most recent pay stub and a proper verification of checking account. Which i provided, and never did i sign a application. After all updates were complete the representative told me i qualify for XXXX, and at this point i still haven't signed anything. Then immediately received a email thru XXXX XXXX, that i have a new hard inquiry. I asked the representative if she ran my credit. Witch she confirmed she did. I never gave her a written nor verbal consent, to run my credit. She never asked verbally nor in written if she could run my credit. I called their customer care line, and spoke to one of the supervisor. She explained that they don't need to consent for running my credit, and that its part of there companys policies not to ask the borrower for a consent to running their credit. The only thing i signed stating that its ok for ACE CASH EXPRESS to report to the credit bureaus was the actual lending agreement, but the agreement was giving to me after they ran my credit. I decided to take the loan out sense the damage has been done. I don't feel its right for them to run my credit with no consent. They should start asking customers before doing so!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Money transfer, virtual currency, or money service

I was scammed by a person I thought was my friend. I sent XXXX for concert tickets and then the scammer ( on XXXX ) blocked me.
Product: Credit reporting or other personal consumer reports

I called they told me that they couldnt verify if it was me or not
Product: Mortgage

My VA home loan is with NEWREZ. This is not the original company that originated the loan. I was awarded XXXX XXXX XXXXXXXX status from the VA. This status is as of XX/XX/2023. I have a mortgage/live in Virginia. I have been granted a waiver to property tax due to my XXXX. I submitted proof of such back in XX/XX/XXXX to NEWREZ. To fate I still haven't received my excess escrow in the account and my monthly payment has not been reduced. The company has changed the required documentation, as such I submitted the new documentation. I receved an email stating the escrow analysis will b completed by XXXX XXXX. The analysis is still not completed and the company continues to hold my excess escrow and require escrow payments based on my prior ( XXXX  ) tax liability