23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original balance on this account ( XXXX ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXX which then became XXXX XXXX. I continued to pay on the account ; however I never received an actual statement from XXXX  listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from XXXX was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XXXX, XXXX which I did. XXXX then sold the account with a balance of {$640.00} to Portfolio Recovery Associates. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found https : //www.consumeraffairs.com/finance/portfolio-recovery-associates-llc.html They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. Portfolio Recovery Associates also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records.It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have purchase a US {$15000.00} CD with US bank which matured on XX/XX/2001 and its automatically renew at maturity. I totally forget about this CD until recently I found the contract. 

I presented the contract I have on hand to US bank XXXX XXXX XXXX in XXXX where I set up the CD. US bank claimed they can not find record that long ago. 

They referred me to escheament department and that department said they wont be able to find records beyond 7 years. By law if US bank deem its an abandoned property, it should be sent to unclaimed property XXXX. I have search all the unclaimed property in XXXX and XXXX where we have live during this period of time, all turn out negative. 

This CD is automatically renew at maturity, US bank should still be holding it. 
if the CD has been claimed, I would have to surrender the original contract, i would not be holding the original contract on hand.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called to extend the payment as my Social Security benefits come once a month. I was told they could not extend the payment to the date I receive my check because I had extended a payment already. This is their policy. I have never received anything from them stating this. My automatic withdrawals are twice a month on a XXXX balance and are charging XXXX with each payment of XXXX this is 2 times a month and I can not reduce the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are the result of identity theft, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$250.00XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately   XXXX   XXXX   XXXX   I made the required payment and extra. On   XXXX   XXXX   XXXX   I made another payment for   XXXX   XXXX   XXXX    , it was applied to the principal. I spoke with The company  Specialized Loan Servicing, LLC  representatives on  three  occasions about   XXXX   XXXX   payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX   XXXX     I reveiwed my credit report to discover that  Specialized Loan Servicing  list the account as delinquent for sixty days. I called the company again and the representative hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter which i have attached below, stating that to provide proof of verified debt with proof of ownership with a right to collect on the debt, Name and address of the original creditor, breakdown of payments and an original contract with my wet signature. they received my letter XXXX mail. which got to them XX/XX/XXXX ( i have also attached proof ) I called them on XX/XX/XXXX asking why I haven't heard anything because XX/XX/XXXX by law would make 30 days and it would have to be removed. they stated they have it but haven't done anything with it. so, they put in the dispute XX/XX/XXXX by XX/XX/XXXX, they closed it out without giving me the items I have been asking for. there is no way they got the proof from the creditor with in 1 day and didn't even attach the proof to the dispute they had open. they just updated it with no responds and closed it. I honestly think they closed it out because they knew after XX/XX/XXXX it would have to be removed if I didn't get a respond, so they closed it out before that time frame.
Product: Credit reporting or other personal consumer reports

Two hard inquires were reported by Navy Federal to all 3 of the credit bureaus XXXX, XXXX and XXXX, I would like for this to be removed it was not me. It will hurt my credit.
Product: Mortgage

I filled out the paperwork from Valon XXXX  asking that they close out my escrow account and issue me a refund for the overpayment. Our 2024 property tax was approximately {$1100.00} and our homeowner 's insurance was approximately {$600.00}. Valon XXXX  is holding out approximately {$350.00} per month. They are currently holding approximately {$3500.00} of my money in my escrow account. 

They have refused to issue us our refund and close our escrow account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I requested XXXX loan that I would pay back in XXXX weeks, which would be paid back on XX/XX/year>. On XX/XX/XXXX I was checking my bank account and found that MoneyLion was charging me the XXXX dollars and another XXXX I than looked at my MoneyLion account and found that someone hacked my account took out another XXXX and another XXXX loan that I didn't authorize and put XXXX other XXXX  cards on my account that were not mine. When you want money faster MoneyLion will charge you extra to receive the money within XXXX, thus the fee of XXXX that was added to the XXXX which equals the charge of XXXX that I didn't authorize on XXXX. 
I usually wait the XXXX  to receive it, so I don't get charge extra for borrowing the money. 
I called MoneyLion to tell them that someone hacked my account and made fraudulelnt charges or loans that I didn't authorize and to stop anyone else from charging me and for them to investigate the matter. They said they would and I thought it would be resolved since they had access to see who did this and get the money back. But I was wrong. 
I got my XXXX XXXX involved and asked them to give me a new XXXX  card and to help me. 
They looked into the matter and after XXXX  days told me since MoneyLion has my name, phone number, and address they they can't help me with this fraud case, and I have to fight MoneyLion. 
MoneyLion told me last XXXX  that they were sending me the money but today they said it wasn't fraudulent, I ASKED THEM THAN WHERES THE XXXX that I never received? 
After getting upset with them they told me that they can't help me and its not their fault. 

So I'm out XXXX  because someone hacked my account on MoneyLion and MoneyLion can't look to see how all this took place within XXXX and I didnt even do any of the transactions that XXXX  on XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I have an account at Coinbase ( coinbase.com ) that I used to buy Bitcoin. I want to liquidate my account. I had trouble logging on to my account and eventually Coinbase locked the account and will not reactivate the account or respond to any of my requests for help. I have had two people familiar with online accounts try to help me. I hired a lawyer to write a letter to them. I have called them and tried to contact their help desk, but they do not answer or help. I am XXXX, retired and would like to sell the Bitcoin so I can use that money.
Product: Mortgage

I had 2 properties mortgaged with Wells Fargo and they improperly foreclosed on one property in XXXX  after I made a large pmt and they promised they would take out of foreclosure and would not let me modify the mtg. Once I made the apyment, the foreclosed the following day. The 2nd property I own was modified after over a year of attempts and another large pmt made. Wells Fargo charged inspection fees, attorney fees and other costs which was what caused me to fall so far behind and I should be part of the recent lawsuit to reimburse consumers due to this.
Product: Debt collection

Since XXXX not Frontline Asset Strategies were able to provide a copy as well as Frontline Asset Strategies reference # XXXX on XX/XX/2022. I have missed over 600 business calls and uncountable dropped calls in 1 year and I paid {$5000.00} in wrapping my vehicle with my XXXX number and we have tested this theory on the land line of the actual company XXXX  number and its not coming from their side. My average client is {$850.00} and that multiplied by XXXX is XXXX XXXX. Since they also use my name fraudulently to falsify an account and has drag this situation out, I would like to be paid immediately. They offered me a measly {$2000.00} which already says that they acknowledged theyre wrong doing but that is in no way comparison to how much money I have lost.
Product: Mortgage

I bought my home around 4 years ago and had another servicer who transferred me to Freedom Mortgage. They have went up on my mortgage every year saying that my mortgage was short because of taxes and insurance. This year they said my current payment is XXXX dollars, but I never paid that amount. My payment was XXXX every month and the last time I paid that was this month XX/XX/XXXX. I opened up a letter on Friday and saw that they are now stating that I was paying them XXXX a month and now I am short yet again and have raised my mortgage payment to XXXX something dollars. And not only that my total balance left that I owed on the loan was XXXX, they have now went up on my loan amount by XXXX causing me to now have to pay an additional XXXX on a loan that was paid up to XXXX dollars. My taxes did not go up for XXXX years and definitely not my insurance. I am always on time as they pull my payments from my bank account every month. Every year they do this and my mortgage keeps going sky-high. I called to find out why they keep doing this and I was told by someone that she saw that there was a discrepancy that she would transfer me to the escalation department. When transferred I spoke to XXXX at around XXXX XXXX Friday on XX/XX/2022. He was arrogant and did not want to hear what I had to say and wished me goodbye and hung up. I called back and spoke to XXXX who was a little nicer but agreed that XXXX was not very empathetic but was certainly factual. I dont know how he was factual when he did not even go over anything with me. They are unwilling to resolve anything. Freedom Mortgage is practicing illegal things. They are going up on their clients mortgage payments and falsely accusing this on insurance and taxes going up. And then they are also applying more money to loan balances that were already paid up. I am soo afraid that I am going to loose my home because of this. I have XXXX children and my husband is XXXX and if this does not stop I will be living in the streets. I am so much under emotional stress especially year after year because I fear every year that they are going to go up on my mortgage. I have made at least two or three lump sum payments every year to try to stop them from tacking on money to my mortgage payment and this makes me and keeps me in debt. It is like they are making me pay them every year lump sums of money to not tack on what they call shortages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX Credit Collection has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my Experian, XXXX and XXXX account Disputed during the period of XX/XX/2023 to XX/XX/2023. 

I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. 
Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX and XXXX Dollars, That I've recently disputed for the same issue.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Since XXXX I have been disputing the debt with Jefferson Capitol Systems. I have asked them several times to validate the debt by debt collection laws. They have since failed to do so. This debt originated while I was overseas and was not mine. I paid the debt in a settlement and they have yet failed to provide a payment history to show that the debt had an open balance remaining. The original company, XXXX XXXX XXXX is a loan service to only military members with high-interest rates and are forbidden to be used. I know who obtained the loan and unfortunately, they used a POA to obtain the loan. The company has since shut down and opened under another name. This company keeps taking the debt off my credit report after validation of the debt and adding it back as a collection to avoid the time bar as well as the reporting requirements. The debt was settled in XXXX, and in XXXX, if a debt was owed, and I reside in Texas, they needed to cease collection for a time-bar of 4 years. They also are failing to provide validation of the debt to prove this is a valid debt. They are also deleting the debt from my credit report after each dispute and adding it back with an invalid date to attempt to keep it on my credit report. The creditor is potentially causing negative impacts on my worthiness to obtain credit by adding in invalid debt as a collection. They have sent me numerous attempts to settle and delete for much less than desired and I will not allow that. This is an invalid debt and they have yet to prove its validity. I request that they stop trying to collect on the debt as well as it be removed from all 3 credit reports permanently.
Product: Checking or savings account

Fees charged for overdraft when money was available. Transferring from third party banking apps, money not transferred.
Product: Credit reporting or other personal consumer reports

I contacted all 3 bureaus on XXXX  requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.