23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a 1033-c from Truist bank and after looking up this financial institution I found that it was Suntrust. This stated they discharged a debt of XXXX -- I have no idea what this would be. I did find out it was a joint account and may be under the name of XXXX XXXX XXXX since it was not paid after our divorce. I have never received any correspondence about this debt until I received this 1099-c in the mail. I tried contacting this bank with help about this and got no response at all.
Product: Credit reporting or other personal consumer reports

For the past several years I have been monitoring my consumer credit report with Equifax and have come to believe that Equifax is artificially suppressing my XXXX score. 

Currently, there are no delinquencies, collections, or judgments on my account. As a consumer, I have XXXX latepays in over 24 years. However, over the years my XXXX score consistently lagged at least XXXX lower than other reporting agencies. 

What's worse is that recently, in the past 60 days, my score dropped XXXX points from XXXX to XXXX. Despite the fact that I recently paid off a personal loan. 

Among the reasons they provide as an excuse for the low FICO score is : - Their claim : " The date you opened your oldest bankcard or credit card account is too recent ''. 

- My reply : This is inaccurate, my oldest credit card is XXXX XXXX XXXX. 

- Their claim : " Total balances too high on delinquent/derogatory bankcard or credit card accounts. 

- My reply : My report contains no delinquent or derogatory bankcrard or credit card accounts. Although my credit utilization XXXX be higher than average, this typically amounts to a drop of a few points. Not XXXX within 60 days of virtually no change in utilization. 

- Their claim : The balances on your accounts are too high compared to loan amounts. '' - My reply : My loan payments are commensurate to the terms set by the loan agreement. If I have no late payments or delinquencies, it is none of Equifax 's business or place to harm me based on what they think my balance should be. As long as the lender is reporting my payment history accurately, that is all Equifax needs to worry about.
Product: Debt collection

XXXX XXXX XXXX ( XXXX  ) starting calling me XX/XX/XXXX and have called everyday since, with exception of Sundays. They never leave a message. They have called sometimes twice a day using four different numbers which I have searched online and have come back with their information. 
Here are the numbers : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX I had answered one call from them, however they would not identify who they were and why they were calling without me verifying who I was, and I will not identify myself because of all the scams that are going around. Also, it is my understanding that they must identify who they are and why they are calling. 

I received a letter dated the XX/XX/XXXX, but the letter was not received until the XXXX, but they started calling on the XXXX. It my understanding that they can not call you before the letter is received. 

My debt was originally through XXXX XXXX/MCSB. I had been in contact with them and made a {$30.00} payment to MSCB on Friday XX/XX/XXXX. I received the letter Saturday XX/XX/XXXX and was unable to contact either place of business because they were closed. XXXX called Saturday the XXXX at XXXX EST , which was XXXX their time. They close at XXXX on Saturdays, which only gave me a window of 13 minute to call them back. Which I would have, if I had received the letter before that time. 

I called MCSB today ( XX/XX/XXXX ) to ask if my account had been transferred to XXXX and they had no knowledge of this and had not received word from the hospital to close the account. They were going to look into it and I am going to call them back tomorrow ( XX/XX/XXXX ) to find out what the outcome is. 

I then called XXXX today to explain the situation. They were trying to argue that they had purchased the account and that MCSB was lying to me and to not believe them. I tried to explain to them that I had just talked to MCSB and paid them a {$30.00} payment Friday. They refused to listen to what I had to say and kept trying to argue with me that I didnt know what I was talking about and that MCSB was lying. They also tried to say that the debt was from XX/XX/XXXX, which technically it is, but that is after fighting with the hospital for three years to change a procedure code and I went from owing $ 4000+ to {$600.00}. 

I also told them I was going to report them to the XX/XX/XXXX  because they were harassing me with phone calls which is illegal, along with not identifying who they were when asked. I told them to stop calling and they calling me another time today. 

They transferred me to a supervisor, which took 10 plus minutes and I feel I was just talking to the same person because she started with one accent and switched halfway through to the accent of the person I had originally talked too. 

I also told them that I couldnt afford their ridiculous payment plan which was either ~ {$200.00} for 3 months or a one lump sum of ~ {$480.00}. They asked how much I could pay and I told them about {$30.00} a month and they asked if I wanted to set up a payment plan, I told them not until this confusion gets resolved and she hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that has been reported under my name with CAPITAL ONE, XXXX XXXX, XXXX  This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account.
Product: Checking or savings account

I have been locked out of my banking application profile for about 5 weeks now. They display erroneous information on their website, saying that it will be resolved after 24 hours, however, this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. 

I escalated this initially and was told it will be resolved but the same thing is still happening. They claimed they resolved the issues and sent a response through XXXX, yet nothing was done
Product: Mortgage

Once again Ocwen is claiming ownership to the property address XXXX XXXX XXXX. 
I tried for a modification with Ocwen from XXXX. 
I stopped when I found out the loan was a fraud Ocwen has attached the loan to a backdated old debt which is time barr to collect and file a law suit Ocwen put a modification on the home in XXXX and never sent me the papers to sign. I only found out when looking at the statement they sent. I requested the modification papers with signature they could only provide a blank signed paged. 
Ocwen added another modification to the home in XXXX XXXX after telling me I did not meet the dead line of 37 days per their attorney Ocwen approved a modification without my signature again in XXXX. I contacted Ocwen and asked how did they approve a modification without my signature. They apologized and stated it was a good faith modification to help the consumers out. I demanded they remove the modification as their attorney had already admitted in a letter they were not in the origination of the loan. 
Ocwen now has the home for foreclosure and I have not been notified nor did Ocwen. Ocwen is pass the status of limitation to foreclose on the home. I have not sent any payment to Ocwen since XXXX when they stop taking payment as they claim to have obtained the loan via transfer of assignment Ocwen has not been able to prove the transfer chain from the origination of the loan. They are just going to take the home and not follow the laws
Product: Credit reporting, credit repair services, or other personal consumer reports

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX-XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/XXXX, 3. XXXX XXXX $ XXXX-XX/XX/XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Debt collection

I 've contact Midland Funding by letter, sent via XXXX certified mail, to obtain debt verification. XXXX refuses to respond by sending the information I requested, but continues to report this unverified debt to the credit bureaus. Upon researching, this is in violation of a XX/XX/XXXX XXXX obtained by the Consumer Financial Protection Bureau for XXXX to stop collecting debts that can not verify.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX Bank XXXX XXXX Account # XXXX First XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX 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. Witch I never in no manner provided to the fore mentioned parties listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have continually requested information concerning XXXX. XXXX XXXX regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify XXXX of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.
Product: Student loan

XXXX Discrimination & XXXX in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block 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 XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  is reporting late payments to all three credit bureaus euquifax, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount Fedloan Servicing XX/XX/XXXX {$37000.00} XXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

A collection agency by the name of National Recovery collection placed on my credit report a debt from a Hospital emergency visit in a Pennsylvania state of approximately {$5500.00} in XXXX of 2020. Apparently this person is not me because I dont live in Pennsylvania as stated on the collection agency information and the an addressed provided at the was not my address. Im trying to to take the right approach to clear my name but Im not sure what is the right way of clearing my name. Upon reading my statement please feel free to reach out to me for further information on this situation. I will provide as much information as I can to try clearing my name. I am very sure that this person in question with this emergency visit is not me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, On XXXX XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information.

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting income on my consumer report for the last XXXX  months. It has damaged my ability to obtain a home. A charged off account is income and violates 15 usc 1681a ( 2 ) ( A ) ( I ) of the fair credit reporting act. Income must be excluded from my consumer report. I am requesting a 1099C form for proof of charged off account. Your credit reporting agency has spoiled my reputation and my ability to obtain a loan for a home by reporting a billing error on my consumer report. I do not agree.
Product: Debt collection

Hello, the debt is being reported from Jefferson Capital Systems which was sold as a debt from XXXX XXXX for {$54.00}. They said that XXXX charged it off back in XXXX of XXXX and they received the account in XXXX to send me a letter in XXXX to an address I haven't lived at in 4-5 years. I contacted them today XX/XX/XXXX to dispute it with them because my number was ported out with XXXX and in order to port out the account balance must XXXX, and also the fact that I was not contacted about anything owed in all this time.
Product: Debt collection

Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Fair Collections and Outsourcing {$5400.00}
Product: Mortgage

I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.
Product: Debt collection

I have received an overwhelmingly amount of phones calls from this collections agency. The dates begin on XXXX and date all the way back to XX/XX/2020. I attempted to make an agreement with them, but was forced into something that I didn't agree with through sly tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. My license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.
Product: Debt collection

My compliant is with Southwest credit. I sent a letter on XX/XX/2021. Stating that I owe {$430.00} too XXXX. When I received the letter I called a few days letter. Letting the company know that I paid this to XXXX over a year with another company. They said I can dispute the charge by mailing a letter to the company and they will open a claim. Fast forward today 's date XX/XX/2021. I find out Southeast credit has reported my a collection account to the credit bureau. My credit not has dropped 34 to 54 points in a matter of a day. The company told me that they had the collection with them since XXXX of 2021 and only reached out to me on XX/XX/2021. They did not send me the proper notice prior to reporting the account to the credit bureau. It says in there letter that I have 30 days to respond and they did not give me the 30days. I had also ask how they received my ss number and they did not have an answer for me.

The company has also violated the Consumer Fair credit act by asking me to verify myself with personal information.