23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My father passed away in XX/XX/XXXX. I inherited his home. 
After his death, during COVID, I took out a loan from XXXX XXXX. In XXXX, I thought I sold the home for the equity to XXXX. That's not what happened. The Massachusetts AG found XXXX engaged in deceptive and fraudulent practices last XXXX. 

In short, on my settlement statement, they listed the purchase price as {$440000.00}. However, they also listed approximately {$410000.00} in " fees. '' Stewart Title performed the underwriting for the transaction. They failed to escrow ANY money. 

XXXX XXXX filed a claim against the title insurance ( that I was encouraged to buy by XXXX ), and Stewart Title, in turn, filed a claim against me for their failure to withhold the money. 

Today, Stewart filed a Bank Garnishment against my employer, the State of Maryland, and me to recover the fraudulent claim. XXXX XXXX Circuit Court XXXX XXXX. XXXX I filed a counterclaim in XXXX, but Stewart Title failed to answer the complaint. I asked the Court for a default, and the court has yet to respond. 

I don't believe the attorneys who filed the complaint received authorization from Stewart Title to do so. I believe they thought they could collect an easy debt. 

The attorneys who filed the complaint are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The more you dig into the case, the more you can see why Stewart Title failed to answer. The notary who signed the purchase deed for XXXX XXXX lives in Florida. The representative for XXXX XXXX lives in Washington State, and the representative for XXXX lives in New York. 

Maryland is not a reciprocal state with Florida for Title Insurance Producers. This means that the notary must have the State 's permission before notarizing loan documents. Stewart Title is aware of this and this is why they failed to answer the counterclaim.
Product: Debt collection

The dental company claims that they billed my insurance, and I still had a balance. However, I contacted my insurance, and they were never billed. I made several attempts for the company to bill my insurance, even in listing the XXXX XXXX XXXX for assistance. They never replied they then sent me to collections. I disputed The Collection and it was removed. Now they resubmitted the collections with another Collection company I disputed that again with a XXXX and for some reason this time they are not removing it.
Product: Credit card

I reported lost Card ending in XXXX and noticed a set of transactions that i did not authorize. I reported these fraudulent charges but unfortunately it appears that I am not protected because my claim was denied. These were transactions showing a XXXX process of {$250.00} under a transaction name, " XXXX XXXX '' on XX/XX/year>, and another with the same transaction name on XX/XX/year>, for {$1.00}. I did not approve both transactions, and even when my initial report was declined, I never received any letter or correspondence of the reason for their decision. This is a betrayal of the trust a consumer must be protected from unauthorized charges.
Product: Checking or savings account

The Optum Financial App provided by the bank is unreliable and shows different balances from the actual amount. For example, when I have XXXX in the account, it'll incorrectly shows XXXX. After logging out and logging back in the amount may change or be the same. Additionally, the XXXX app is highly vulnerable to breaches. I have changed the password, yet it allows me to log-in via my old password.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :
Product: Credit reporting or other personal consumer reports

I called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.
Product: Debt or credit management

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, XXXX XXXX asked me for my social security number to access my credit report to see what accounts I needed most help on, he then proceeded to ask for my bank account number and Direct Deposit number. After that he then said he was able to lower my interest rates on two of my credit cards, then at the end he said theres a service fee that he didnt not mention in the beginning. The Website says that its a free consultation. They charged me XXXX dollars. 
When I received an email from XXXX to register with a link, I click it and it took me to a Caution page, saying that that page was impersonating Customer Credit Counseling Foundation. Im going to call my bank and asked for a new debit card, and I paused my card at the moment. What else can I do?. Is my identity stolen, I need help please, Im a single mom that is just trying to get through life.
Product: Debt collection

On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. 

I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 

I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The truck I leased was sold and Im still required to pay the full amount owed
Product: Mortgage

PHH allowed my home to go to foreclosure without paying the documentary stamp taxes and they did not pay the intangible taxes. As such it is illegal in Florida for them to take my house to sale. They were supposed to record the loan modification and the doc stamps and intangible taxes on the increase of the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian several times regarding the fradulent accounts they refuse to remove from my file. I've sent supporting documentation as well as the other credit bureas have also corresponded to them as well advising these accounts were indeed removed due to fraud and they refuse to remove it. I even called regarding an authoroze user account that I have no clue about and they wouldn't even assist me with that. I't like they have my account blacklisted to some degree even when I pay my credit cards they refuse to fix these problems. I feel like this is some form of discrimination and this needs to end. There is no way that my utilization changes and there are no updates to my file. I've attempted to contact Experian several times each time they spoke to me as if I'm a liar as if they haven't received supporting documentation as well as the other bureas have contacted them as well. I've mailed in doucments which I know they have received because they were sent certified
Product: Debt collection

I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX, I received a court summons from XXXX  XXXX under attorney XXXX XXXX XXXX to appear to court for claims owed of {$2200.00}. XXXX XXXX that provides XXXX equipment such as XXXX and XXXX XXXX to various hospitals including XXXX XXXX XXXX XXXX Hospital that I was admitted to in my car accident of XX/XX/XXXX. This company XXXX  XXXX attempts to collect money from a poor individual is unconstitutional as I have applied for financial assistance programs that have been in the process of relieving any remainder debt owed at the XXXX Hospital. I urge people to follow up with any XXXX XXXX XXXX service provided at any nj hospital as XXXX XXXX aims to strangle patients that will have them end up back in the same hospital bed.
Product: Checking or savings account

I was victim of a fraud against me and my PNC account # XXXX. When I was notified by the bank on the first week of XXXX that my account was under a potential fraud, I took immediately action and opened a case with the local police department case # XXXX, I also placed a fraud alert with the credit bureaus reference # XXXX. 
However, the PNC bank department of dispute didnt even looked at the evidence that I am also attaching here and decide to rule that I was the responsible for the balance moved out of my account by a fraudulent check sent to me by a company that pretended to hire me. 
I was contacted at indeed by someone named XXXX XXXX to work for her as personal assistant. This person requested my bank information, address as well social security number to register me as her employee and she sent a check by mail to be deposit at my bank account so I would use the funds to make some payments for her and buy computer and office supplies. The check was bounced several days after being in the account. The bank claimed that the documentation I am providing here was irrelevant and that I should take full responsibility for the fraud balance. I said to the bank representative that I was the one suffering the fraud against, I am not the part of the fraudulent scheme and bank investigation team and decision should had considered the information attached. 
The bank completed disregarded all these evidences and decide to close my accounts and now are coming against me for the fraudulent balance. 
I am here asking for your help to first looking into the evidence and help the bank to see it was a fraud against me and cancel this fraudulent balance against me. The bank also should control better the fraudulent checks and not let the balance be available in cases like the check is not valid.
Product: Debt collection

I receive XXXX of countless calls from CBHV ( Collection Bureau of Hudson Valley ). They have used XXXX different numbers over the past year to collect for my XXXX XXXX XXXX, in which I am directly dealing with XXXX and paying when worked out with them.
Product: Credit card

On XX/XX/XXXX I filed a dispute with PayPal credit for XXXX against XXXX XXXX XXXX because they never provided an order number or tracking to me to this date and I called them many times and was not acknowledged as a customer I asked PayPal credit to dispute the charges and provide any tracking or information to me They have not helped me they are in favor of a merchant and I still have no merchandise tracking or order number I want a refund
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report and Account Status Date : XX/XX/year> To : XXXX XXXX Customer Service XXXX XXXX XXXX Customer Service : Reference Number : XXXX Experian, XXXX, and XXXX Subject : Request for Correction of Credit Report and Account Status Due to Erroneous Charge Dear Customer Service Representatives at XXXX  XXXX, XXXX XXXX XXXX  and the Credit Bureaus, I am writing to request a correction of my credit report and account status following an unintended impact on my XXXX XXXX XXXX account, resulting from a charge made by XXXXXXXX XXXX XXXX. This charge, which was made in error, was subsequently reversed by XXXX 's XXXX. However, due to this transaction, my account was marked as exceeding its credit limit, which has negatively impacted my credit score and report. I would like to ensure that all records accurately reflect the resolution of this matter. 


Transaction Details On XX/XX/year>, my XXXX  XXXX XXXX credit card was charged {$50.00} by XXXXXXXX XXXX XXXX. Realizing that this charge was not intended, I promptly contacted XXXX 's XXXX to reverse it. XXXX 's XXXX processed a full reversal of {$50.00} on XX/XX/year>. Despite this reversal, XXXX XXXX reported my account as exceeding the credit limit, resulting in an XXXX decrease in my FICO score, which is now reflected in my credit report with Experian, XXXX, and XXXX.
Product: Debt collection

Unsecured loan taken out by business which we paid on for years. 
Covid hit and we lost everything! now we had to file bankruptcy for the business and close it. On unemployment and Covid relief for income. 
And now the company proceeds to go after me personalty for the debt when I closed my business and I have nothing left it is not moral and is very upsetting. 
i really don't know if this will do any good but I really just needed to vent my frustration. 
Like I wanted to lose everything and now they reopened an old case to try to get money from me when again I am literally failing at all credit and get unemployment for income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are my notes from this dispute ... XXXX says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan! 
Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through XXXX  for a promissory note but none has been provided or found when asked from XXXX XXXX XXXX  ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX   dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute XXXX days pw : XXXX 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XXXX of this XXXX XXXX complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to XXXX lawsuit in progress
Product: Prepaid card

I received a letter in the mail from bank of America saying that my prepaid card was being discontinued and I needed to transfer any remaining balance to another card. At that point I called the bank to find out what they were talking about because I have never a bank of America card. This was XX/XX/XXXX. They told me the card was issued XX/XX/XXXX. It had {$430.00} onit back in XXXX. But there were two ATM withdrawals .they said the would send it to their fraud department. Well since then I have received THREE letter of denial. I've asked for the evidence they had to make their decision and they haven't sent me anything.