23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TrueAccord.com notified me that they were attempting to collect a debt, sent to them from XXXX XXXX, a loan company in XXXX, IL. ( previously filed a CFPB complaint about XXXX XXXX ). TrueAccord had two attached files from XXXX XXXX. File 1, I could not open, and File 2 was a copy of a contract electronically signed by me. This contract was a forgery and did not have an official electronic signature by me. It was a total fraud. 

I sent TrueAccord a copy of XXXX XXXX letter exonerating me from any responsibility of their latest loan. 

I have hired an attorney in XXXX, IL to file a lawsuit against XXXX XXXX.
Product: Debt collection

According to 15.U.S.C 1692C you have violated my rights by unlawful communications. Please remove this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my XXXX report i have an item in collection from simon 's agency inc for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with XXXX numerous times and they keep stating the item was verified by simon 's. i disputed this item again in XXXX and received the results today XXXX XXXX from XXXX and again they stated simon 's verified this information is correct by me contacting XXXX by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation simon 's supplied XXXX to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did XXXX verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how XXXX verified the account with simon 's or who i could contact to get a copy of the information ( original signed contract ) simon 's sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.
Product: Credit reporting or other personal consumer reports

I have 5 inquiries on my credit report that I did not apply for.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file 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
Product: Student loan

In XXXX I paid a company to eliminate these bills for me They only show a certain amount eliminated This should have been paid in full still showing on my credit I sent multiple messages to XXXX University and Student loan explaining this. All done between XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Credit Management LP has place 3 medical collection debts on all three of my credit reports and when I found out I immediately reached out to them and informed them that my bills were written off from the hospital and the letters forwarded to physician 's office. I explained that the debt is not valid not owed and has ruined my credit I never received any letters from this creditor regarding this debt nor asked for my letters that they were indeed paid. The original creditor of these accounts were XXXX XXXX XXXX XXXX XXXX and the dates of services were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Referrence # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!

On top of that you still expect me to pay you.

I need this account closed as paid. As soon as possible
Product: Debt collection

I request the immediate removal of an account that appears on my credit report, which I do not recognize and does not belong to me. This account was fraudulently opened and is negatively impacting my credit score and credit history.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX ACCOUNT # XXXX XXXX XXXX XXXX SIMPLE NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo has been reporting inaccurate balance history information to the credit reporting bureaus and I am having no luck getting this information corrected. This incorrect information hurts my ability to secure increased lines of credit because I am not able to demonstrate a history of paying off larger balances with the current incorrect information. I contacted XXXX  and tried to dispute the information on that end but they explained that it was Wells Fargo that supplies the information. Additionally, WF has not updated my credit card balance for the past two months, even though they reported inaccurate monthly payments. I would like updated information to be supplied to the reporting agencies. 

For example, XX/XX/XXXX, WF reported a {$25.00} payment, actual payment was {$320.00}. XX/XX/XXXX, WF reported {$25.00}, actual payment was {$250.00}. XX/XX/XXXX, WF reported {$25.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$51.00} ( actual payment {$150.00} ).  XX/XX/XXXX, WF reported {$49.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$57.00} ( actual payment {$200.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$400.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$300.00} ).
Product: Mortgage

Without prior legal notice : Home Point Financial Corporation changed my loan servicer from : Home Point Financial Corporation XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX TO : Home Point Financial Corporation XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They sent me written notice dated XX/XX/2018 vis USPS Mail, that the change was to become XX/XX/2018 ... which is the date my XX/XX/XXXX Monthly Payment was electronically sent and received by them at the NJ address. 

The MO address now says that they have not received the payment and that the NJ address has no obligation to forward it to them! 

I have a Mortgage Statement dated XX/XX/2018 and sent by USPS Mail that states that I owe Home Point Financial for BOTH XX/XX/XXXX and XX/XX/XXXX Payments!. 

Repeated phone calls have resulted in NO ACTION on their part to resolve the issue. 

This appears to be a blatant disregard for fiduciary responsibility and a total lack of Good Faith in resolving a problem created solely by their failure to follow good business practices, and a potential act of fraud ( even if inadvertent ) : Failure to post the payment to a mortgage can occur extra interest charges and potential late fees. 

I am led to believe that I am but one of a number of people being affected by this problem and potential violation of not only Good Faith, but federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need XXXX and Experian to delete from my credit reports
Product: Payday loan, title loan, personal loan, or advance loan

I have made payments for extensions and it seems that the extensions were not granted. I get multiple calls throughout the day with no voicemails left while at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Mortgage

XXXX XXXX program. This was offered to us, on the premise, that we could defer these payments to the end of the loan. With every time the forbearance was offered we took it, once again asking if these payments were to be deferred. They replied with a yes! 
Like all companies that deal with payments or collecting debts, they record the interactions with clients! 
Upon trying to start making payments again, the company wants a full payment of arrears! When I asked what happened to pushing these Forbearance deferred they replied no! Full payment! 
All we asked at this point was to modify our mortgage, again they replied with a no. We tried making Mortage payments but they told us the money would go to escrow, along with the usual monthly payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.
Product: Credit card

Approximately one year ago my daughters boyfriend was having XXXX and needed all XXXX. He had no money or insurance. I suggested he apply for medical credit card. He then called me and said he was not approved and needed a cosigner. I said ok and he said they needed my social security number to check my credit. asfter that I never heard anymore about it. No one ever contacted me to ask my permission or sent me a contract. Since then I totally forgot about it. On the evening of XXXX/XXXX/2016 I received a phone call from XXXX XXXX and XXXX saving that they had purchased the account from Care Credit/Synchrony Bank and that no payment had ever been made and I needed to pay {$3600.00} that day. I said that I did not have that amount of money. they said that if I did not pay it that day I would be sued. Again I state I did ot have it. They then said I could pay {$270000.00} and sent a letter to my email stating this. I asked them why if the account was over a year overdue why I had never been contacted and they stated they did not know. I told them that I did not have that amount of money to send them. In the next few weeks they called many times. I told them that I was never contacted by Synchrony Bank to confirm cosigning and had never signed a contract and would they send me a copy of the contract. After several times asking they finally sent a package, but it contained no contract. Just copy 's of the statements that had been sent to the cardholder. I called again and asked for contract and was told it would be sent but never was. I believe that when Sychrony Bank got my social security number they just ran my credit and went off the address where all my previous credit was started and that is why that was the address they had. Again I was never contacted for permission and never signed a contract, also if I was the cosigner why was I never in a year contacted or called about the overdue payments. Also without any contract or being notified about the overdue payment this had already been placed on my credit report which was perfect and is now dropped substantially. The original credit was with Care Credit/Synchrony Bank account # XXXX. Now purchased by XXXX XXXX, XXXX, XXXX account # XXXX. I have been threatened numerous times with a lawsuit from this company in the past month and feel that if this had been done legally and if I had signed a contract, which I did not, as cosigner I should have been contacted a year ago so that the payment could have been made, but at this time I am not working due to medical issues and do not have the means to pay this debt. I feel that it is illegal to place a person on a debt contract without their permission or signed contract and that is also illegal for it to be placed on their credit report without them ever knowing the debt was not being paid.
Product: Debt collection

In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.
Product: Credit card

I purchased an item using XXXX XXXX serviced by TD Bank on XX/XX/XXXX, for a total amount of {$1900.00}. However, I never received any communication regarding the account details or statements by mail, email, or any other form from XXXX XXXX or TD Bank. Due to this lack of communication, I was unaware of any payment obligations or delinquency reports. 

Upon noticing a derogatory mark on my credit report, I contacted XXXX XXXX, received my account number, paid off the overdue balance of {$1900.00} in full in XX/XX/XXXX, and set up auto-pay to avoid future issues. Despite these actions, TD Bank 's response to my dispute failed to provide proof of any communication attempts or correct the inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2022 I stopped at a gas station in XXXX and tried to use my Capital One XXXX card for {$44.00} charge. Attendant showed me his hand held device that said " no sale due to no online connection ''. I was forced to pay cash for the gas but was not provided a receipt-again because the hand held device that prints receipts was not working. Consequently my XXXX was charged for the purchase and I immediately disputed with Capital One and explained that no charge was authorized or signed for and no receipt was given. They have refused to remove the disputed fraudulent charge so I am asking for your help to resolve. Obviously I can not contact merchant as they give no info on the statement other than " XXXX XXXX ''. Please advise what I can do from here as I am not paying them for this fraudulent charge. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing this charge-off account as it has already been satisfied through an insurance claim. The balance has been paid and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), this account must be updated to reflect the accurate status or removed entirely from my credit report.