23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit report and saw a collection account from Vance and Huffman LLC I REACHED out to them and explained that this was not my account it was opened fraudulently by someone I knew in Ga that got ahold of my personal information and they also got an apartment in my name.. they told me it didnt matter because payments were made on it. I advised regardless if they made payment on it or not it wasnt mine.. they refused to listen and started trying to accuse me of this.
Product: Debt collection

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank Stienmart sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my XXXX XXXX to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.
Product: Debt collection

I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!
Product: Checking or savings account

Nbc management service for XXXX XXXX XXXX. XX/XX/16 {$6900.00}. I had taken a scam check to my bank XXXX XXXX. I was told it was a scam. Also i currently have a bank account with them currently. So thete is some type of mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.
Product: Mortgage

I tried to do a shortsale, I had a buyer and realtor in place to do the short sale. It was with Shellpoint, Mortgage Servicing, it dragged on for years and its still dragging on. 

The last issue what stopped it all was that Shellpoint and XXXX ( XXXX XXXX XXXX XXXX ) can not decide who is in first position on the mortgage. 

Please assist if all possible or if you can not please let me know ASAP, thank you.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am complaining cause I believe Comenity bank is denying my applications cause of age. I first applied for a  XXXX   XXXX   Visa  and then an  XXXX   XXXX  credit card and they have denied me on both occasions, On the  XXXX  Card they said they could not verify my identity and I have been at my address for years. I am going to attach my drivers license and a selfie of me holding my drivers license and my social security card so they can see its me. This is not fair lending that they are doing.
Product: Debt collection

Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.
Product: Checking or savings account

Hello, I needed to rent a venue for a performance So I spoke with a man on the phone from XXXX XXXX XXXX  in XXXX.They assured me that they had everything that I needed regarding sound, and stage. A few days before the event My team reached out to confirm everything. It turns out they didnt have the sound system we needed for our event. Plus upon checking my bank statements I was charged extra and was going to be charged fraud double fees in the future. So I told the venue XXXX XXXX XXXX that I did not want to use their event space anymore for false advertising and fraud charges. They refused to return the money they charged which was in the amount of {$1400.00}. It has been months and theyre refusing to return my money even though I never used the venue. Beware! So I attempted to dispute it with the bank account I used ( MoneyLion ), uploaded all the required documents and did everything that theyve asked .... still no money. Its four months later and MoneyLion has been giving me the run around! Ive asked to speak with a supervisor and they always say theyre going to call me back. I have not received a call. I received an email saying that my dispute was going to be resolved on a certain date within 90 days. Its been well past 90 days and no results! I thought as my bank you were supposed to INSURE my money. Yet they have not been any help to me. I uploaded everything, even proof that I never used the venue to begin with! I sent emails to the bank and no response.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 

Late payments from XXXXXXXX XXXX XXXXXX/XX/XXXX were all on time. Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. 

It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

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

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.
Product: Debt collection

Received mail and calls from this company stating that I owe them money. A woman called me and even called my daughter stating that I owe. Asked her to stop calling the phone number ( s ). I later on mailed a certified letter asking to send a copy of the contract that I have with them and also fill out a seven page debt collector disclosure. That was never received back.
Product: Mortgage

Loancare LLC holds my mortgage for Condo in XXXX XXXX, NC. Every year I have to provide proof of Flood Insurance ( Flood Insurance is obtained by our Owner 's association & renewed yearly ). This year I provided proof of Insurance on XX/XX/XXXX & then received a letter dated XX/XX/XXXX saying they ( Loancare ) would charge me {$190.00} for the lapse of Insurance from XX/XX/XXXX to XX/XX/XXXX - my proof of Insurance clearly states ( in several places ) that the insurance is effective from XX/XX/XXXX to XX/XX/XXXX. 

I feel this is a scam by Loancare to charge Mortgage Holders with additional fees ( probably the elderly who would not fight back against such charges ). 

Please investigate - I have attempted to contact but only get a series of pre-recorded messages. 

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

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is charging me XXXX devices of internet that were returned by XXXX to their warehouse. According to the company these was resolved happened to be on my name and I have proof of this with their email, I do not own this debt and is affecting my chance to increase my credit score with the financial bureau.
Product: Mortgage

My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX
Product: Debt collection

I have contacted this company many times, stating for verification of the debt. The debt does not belong to me and I have no idea what it is about. They keep saying its a hospital bill but dont have any documentations for me to review. I have also contacted all three credit bureaus and they also wont provide me with proof the debt belongs to me.
Product: Debt collection

Filed a dispute with Credit Bureau stating that I never had a CONTRACT with the negative information that is listed on my credit report. The Credit stated that they verified the debt was mine. How could you verify something is mine when IT IS NOT MINE. 


I want Equifax to delete that negative information that is being reported for XXXX. 
XXXX is the 4th collection agency that have tried to place negative information on my credit report. I DO NOT have a CONTRACT with them, never had a CONTRACT with them and Equifax is being neglect because there is no way that they could have verified that when I never had an account with XXXX.
Product: Checking or savings account

I have a transaction on my account that has been on hold since XXXX, 7 years ago to this day! I was unaware of the funds, as I thought it was a savings account. I was charged a service fee for this account on XX/XX/XXXX for XXXX. When I looked into the account and seen the number of funds in the account, I immediately wanted them moved to my current checking account. I have spoken to over 10 representatives regarding this issue, starting with the bank institution. No one has provided any information of than accusing me of fraud and money laundering. I was asked today by the case worker on my account to provide documentation that the funds belonged to me. I said who else would have funds in their account for over 7 years and it would belong to someone else. The bank caseworker XXXX XXXX then warned me again that the hold would not be removed and there is nothing else she can do. I am at my wits end here. I am being criminalized and ignored as a loyal customer for almost 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX