23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX we went to court against the mortgage company and was given a modified mortgage agreement. In XXXX they sold our loan to another company and the new mortgage company notified me that I was behind thousands of dollars and needed to pay or foreclose on my home. They knew nothing of an agreement and our agreed payment amount. Their calculations show my payments were too low and I was behind. I contacted the original mortgage holder and had no sucess.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX received on XX/XX/year> from Resurgent Capital Services in my request to validate the debt did not include the requested purchase agreement from the original creditor, cancellation of debt from the original creditor and also does not answer to my question of why they have this debt listed several times on my credit report. Their letter states they are resurgent capital services ( listed on my credit reports ) but that the current owner of the account is LVNV funding LLC, ( listed on my credit reports and then they list XXXX XXXX XXXX XXXX, XXXX Purchasing as well. Immediately upon requesting validation of debt they are sending emails threatening lawsuits when they havent even sent me the information requested. They sent no information to actually validate the debt.
Product: Debt collection

It was brought to my attention that I received XXXX XXXX at XXXX XXXX Hospital on XXXX through a third party called XXXX XXXX XXXX whom sent my account to collections to a company called XXXX XXXX XXXX. I was just advised by the hospital that the XXXX XXXX   brought my balance to a zero balance for all services rendered during my stay at that time. As a result the account on my credit report under account number XXXX was charged off and has a XXXX balance instead of a balance of {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.
Product: Credit reporting or other personal consumer reports

I did not consent to the inquiry on my credit report history. The inquiry on consumer reporting agency is not accurate. I did not provide my information to this agency. As the inquired are not accurate and ask to be removed.
Product: Debt collection

Greetings. At this time XXXX and XXXX are reporting a debt collections on my credit report which does not belong to me and is inaccurate. XXXX does not even see it on their end. The collection appeared within the last month and says its from DRS ( Debt Recovery XXXX ) for {$580.00} from XX/XX/2021. I have never done business with this company and do not have any outstanding debts. I can affirm that I do not have any debts, especially none on or around XX/XX/2021. This is being inaccurately reported and is negatively affecting my credit report. I was able to file an electronic dipute with both XXXX and XXXX using their mobile app dispute services. I received a response within 30 days, in compliance with the law. However, their response is that the debt collection is valid. I never received any information from Debt Recovery XXXX regarding this alleged debt. I never received any communication regarding this collections. I believe this information is fraudulent and inaccurate and respectfully request that they produce information to validate this claim in a timely fashion. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Account number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this information has been reported and don't belong to me in results as fraud
Product: Credit card or prepaid card

Thhis is a compliant against rooms to go and Synchrony ( both companies are blaming the other ) XXXX XXXX I went into rooms to go and my salesman was XXXX XXXX and was approved {$7500.00} credit for 60 months no payment no interest card and I was told by XXXX that it could be used online, in store or at the outlet and I wouldn't be charged interest on any purchases. I purchased a living room set that day for {$1800.00}. A few months later i found a dinning room set at the outlet store and purchased for {$770.00} and was told again that I wouldn't be charged interest on this purchase. On XX/XX/XXXX I was charged {$19.00} interest and {$29.00} late fee ( which I am not sure why ) XX/XX/XXXX interest charge of {$18.00} On XX/XX/XXXX interest of {$18.00}. So I have been charged {$57.00} in interest charges on a NO INTEREST CARD! I spoke to someone on XX/XX/XXXX reference # XXXX and was told that everything would be taken care of. In XXXX I went into the rooms to go and spoke to the manager and he told me that my order from the outlet store was entered into the system under the wrong promotional type and he would get it taken care of and all interest and fees would be returned and going further the no interest would be honored. I Get my XXXX statement and interest is still being charged. I just left from going into rooms to go and speaking with XXXX and now she is trying to tell me that I needed to spend {$1000.00} to get no interest at the outlet! I was NEVER EVER TOLD this after speaking to over 5 people. Synchrony customer service is now refusing to speak to me telling me that I need to speak to Rooms to GO! I have been lied to and I keep getting the run around. If I was told that I would be getting charged {$18.00} a month interest I would have never made that purchase. All throughout this process I was told that as long as I made my payments on time and paid off before promotional period I would not be charged interest on ANY PURCHASES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has many incorrect postings and has hurt my score to a point it has hurt my entire family.

They have things on the report that are not true, they have set me up in one of their payment plans that I am not allowed to cancel, there is no way to cancel. 
They never answer the phone, I had XXXX XXXX try to fix one of their errors today and they were so upset with Experian that they quit trying. 
Please help me, I am XXXX XXXX XXXX and a Vetran. 
Thank you so much. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi CCS ; XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

This debt was paid per a judgment. The judgment does not ask for interest. It is specific and instructs me employer to collect. The judgment advises not to collect more than the amount shown. Kimball, Tirey is attempting to collect interest ont the debt and continues damage my credit and personal reputation. This debt does not qualify for interest according to FDCPA. Yet, they continue to attempt to collect it. They will not substantiate their position with written documentation. They will not discuss the debt on the telephone beyond demand for payment in full. Their reason given is " we don't have to ''. All of this and I did not owe the debt in the first place.
Product: Credit reporting or other personal consumer reports

Asking XXXX XXXX provide any signed documents that belong to me or remove from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago
Product: Credit card

On XX/XX/2024 I rented a car with XXXX XXXX XXXX XXXX XXXX XXXX. I made a reservation online at $ XXXX for 5 days. My booking confirmation said that my total was {$170.00}. ( I had never booked a car before in the US, so I had no reference and believed these low prices. ) When I went in person to the store, I verbally confirmed these dollar amounts with the attendant. He charged me {$860.00}, and assured me that the difference was the deposit, and that as long as nothing happened I would get most of my money back. Instead, they have charged me this amount ( {$860.00} ) just for the 5 days of rental, plus {$210.00} for me dropping the car in XXXX XXXX instead of XXXX ( which I was forced to do ; when I heard of the exorbitant price they were charging me, I was nowhere near XXXX, I just wanted to return the car ASAP. ) They were super rude and unhelpful, denying that they had lied to me, claiming that the extra charges were " other packages included '', refusing to provide me with an address to return the car, lying about me not leaving the car keys and threatening me with tow truck charges ( a lie that they quickly dropped once I told them I had filmed the car return. ) I am positive that this was no miscomunication nor misunderstanding, but a malicious effort to mislead a custumer that successfully earned them XXXX times what i had agreed to pay. To me this is a scam, fraud, whatever is the correct legal term for it. 

As for Chase - my credit card issuer : unfortunately, I opened a dispute with Chase, but they have sided with XXXX. I sent them a XXXX document that I prepared, containing text ( all the details ), prints, photos, documents. I have spoken with multiple people from the Disputes team, including the manager, XXXX, but no one gave me the impression of having read my letter. In fact, when I asked XXXX why on earth they sided with XXXX despite all the proof that I had been mislead, he told me that XXXX provided them with an invoice, and that was enough for Chase. He implied that, whatever I had to say, had no weight against that. So now I feel mistreated by both this car rental company, and by Chase, which I have been a client of for the past 17 years. I no longer trust them to protect my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to several law firms requesting a call back for council I received a call back around 1 hour after leaving a voicemail from a attorney who claimed his name was XXXX XXXX. I confirmed that XXXX XXXX worked for XXXX a law firm in XXXX XXXX where I reside. After having about a 30 minute conversation with him on my other situation he confirmed that he could help me as a lawyer and I needed to place a retainer fee. He told me that he could accept electronic payments over the phone via XXXX or XXXX. I sent the payment for {$1200.00} via XXXX through my US bank account. The next day I tried to get a hold of him and was unsuccessful so I called the office directly. To my surprise XXXX XXXX had never heard of me had never received my payment nor did that office receive payments through XXXX. XXXX law firm is additionally attempting to find this imposter and file legal claims aw well. And US bank denied my claim for this being fraud.
Product: Credit reporting or other personal consumer reports

My account with ) was never late! I have had exceptional payment history witH 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 my 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 60 days 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.

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 pursuan
t 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 8
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with NCB MANAGMENT SERVICES, they did not provide me with the original contract as I requested This account is not mine.
Product: Debt collection

I have an account that was with XXXX. I was making payments on this account monthly at {$25.00} a month for some reason the payments stopped and i was NEVER notified they stopped. I was reached out to by a company called XXXX XXXX XXXX on their behalf in the state of Florida. I do not live nor have I ever lived in Florida. I was there briefly for a few a months taking care of a family member, the address listed was mistyped and Ive never heard of what they had until I realized what the address should have been. I have since then relocated back to XXXX XXXX. XXXX and XXXX XXXX  XXXX both refuse to assist me in making payments on this account. I am trying to get this account resolved once and for all and continue making payments so we can zero this out. I am willing to make monthly payments at a higher amount, offer a settlement etc. but to threaten to sue me in a state I dont live and to refuse to take any payments to sue me is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following employment data reported on my XXXX XXXX, XXXX and Equifax credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding issues I have encountered with the credit bureau. Upon reviewing my credit report, I identified several inaccuracies, including incorrect account listings, inconsistent billing, and accounts that do not belong to me. These errors have a significant impact on my financial security, and I am urgently seeking your assistance to address them.
Product: Checking or savings account

I have a checking and saving account under my name, as well as a family trust account, as a co-trustee, with Charles Schwab. We had a wire come into our Charles Schwab account on XX/XX/2021 from XXXX XXXX. This wire was a refund from an XXXX XXXX account, which was approved by XXXX XXXX. In terms of XXXX XXXX, they held onto the overpayment since XX/XX/2021 after closing the account. All payments cleared. After 60 days holding our funds, they approved the wire and sent it over. After the funds were sent over, as trust funds, they were moved from the checking to the brokerage account on XX/XX/2021. On or around XX/XX/2021, XXXX XXXX attempted to recall the wire transfer. It was denied by Charles Schwab since the account did not have any funds, as the wire was moved to the trust account, which I am a co-trustee. 

On Wednesday, XX/XX/2021, Charles Schwab prevented access to the account online for " our security. '' Charles Schwab said the accounts could be used using a debit card ; however, on XX/XX/2021, the debit cards stopped working and the account is still unavailable to log into online
Product: Credit card

XX/XX/XXXX, fraud claim filed and resolved. Told balance went to XXXX. Don't need to worry about autopay. 

XX/XX/XXXX autopay still went through. My balance went to negative. 

XX/XX/XXXX I asked to get the negative balance refunded. Told this will take no later than Friday of the week. 

XX/XX/XXXX. Nothing happened. Now told this was submitted erroneously. Now it will take TWO BILLING CYCLES to get a {$48.00} refund. 

A few days later, I received an email from XXXX. Replied to the email. No response Balance has now changed to 0. HOWEVER, NO MONEY WAS REFUNDED. 

XX/XX/XXXX Called again. Told it will take ANOTHER 30 DAYS to get the money back. No guarantee. In the meantime, told realistically to get the money back, need to call back AGAIN to request for a supervisor. 

XXXX  : Money shown on account as if it's refunded, but no money was refunded in reality. No realistic timeline or guarantee I will get my negative balance back. Kept being put through the ringer.
Product: Mortgage

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX. 
Company has refused to consider us as successors in interest, even tho we are now sole property owners. Former owner passed, by operation of law in XXXX his wife became owner, she quit-claimed to us a year ago. 
Freedom Mortgage Corp ( FMC ) has not complied with laws and regulations under CFPB and the 2016 RESPA rules. 
Ex8 ) CFPB 1024.38 re General servicing policies, procedures, and requirements SEE 1024.38 ( b ) ( 1 ) ( vi ) ( A ) upon receiving notice of death of a borroweror any transfer- promptlyfacilitate communication with -any successor in interest re said property Ex9 ) 12C.F.R ( Code of Federal Regulations ) 1024.31 Ex10 ) 81 Fed Reg 72,160 at 72,379-380 Ex9 12 C.F.R. 1024.31 Definitions.

For purposes of this subpart : Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart.

Ex10 CFPB ( Consumer Financial Protection Bureau ) 2016 modifications to Mortgage Servicing rules under RESPA : Subject to the foregoing, requesting a death certificate, executed will or court order might be reasonable. BUT-it would be unreasonable to request certain probate documents when the applicable law of the relevant jurisdiction does not require a probate proceeding to establish that the potential successor in interest has sole interest in the property 81 Fed Reg 72,160 at 72,379-380
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account was sold to collections agency unauthorized to do business in my state account was open and currently is. ( XXXX XXXX Nevada )