23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ECSI is a collection agency listed as a loan servicer and is in business with the XXXX  XXXX XXXX  at XXXX who have reported to all 3 credit reports of an outstanding " loan '' with fraudulent dates and amounts and classifications of a debt involving an NSF check from XXXX. Clearly the statute of limitations passed at least 8 years ago if it were true. The have falsified the date to XXXX and are still actively reporting this to all credit bureaus. I have found at least 2 different addresses for this collection agency disguised as a loan " servicer ''. I already filed a complaint against XXXX  but the CFPB could not serve them the complaint. This is why. I have also contacted an attorney who specializes in this sort of fraud, XXXX XXXX. What they have done is illegal and one perusal of the XXXX  shows you the scam they are pulling all across the country.
Product: Debt collection

The information I asked for was not provided. 15 U.S code 1692g I requested proof of the original contract with my signature showing that I am responsible for this debt. This debt does not belong to me and you have not provided enough proof that it belongs to me, I have no prior knowledge of this debt. If you can't provide proof of signature on the original contract, please delete this from my account.
Product: Debt collection

This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down.
Product: Debt collection

Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Ive called the companys and the hard inquiries and they are telling me they do Not have my name or Information on file and to call credit agencies
Product: Mortgage

My mortgage was taken over by PNC Bank in XXXX, Ohio. Apparently my taxes went up a bit and the monthly amount was increased. Because they had an incomplete address ( I disputed that I could ever have let that happen as they only use XXXXhe street address of a condo complex, not my condo number ), I didn't get the notification until a bunch of mail from the bank was bundled together. In that bundle it stated I had not made the XXXX payment, and I owed that plus XXXX at the increased rate, plus a late fee. I had paid XXXX, but the amount was {$68.00} short of the total because I had not gotten the notification of the increase. 

I called customer service and was told that if I paid the difference and the full amount for XXXX before XX/XX/XXXX, they would take off the late charge. I paid the 2 amounts through my bank online while still on the phone with customer service. It was received XX/XX/XXXX. PNC Bank corrected the mailing address and I was told they could not correct the note without a letter from the post office. ( The postmaster at my post office said there is no such thing. ) I paid the XX/XX/XXXX bill with the corrected amount and it was received on XX/XX/XXXX ; I always have the mortgage paid before it is due, but they keep passing along the late fee. 

I do not know why the late fee keeps getting passed along to me when I was told it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified that my personal info was in a data breach an my personal info was sold on the black web so I look at my credit report an seen some inaccurate collection on my credit report THE COMPANY : 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

I would like to state that company is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company then written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental anguish, XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX. This is a fraudulent account that I have no knowledge of.
Product: Debt collection

In XXXX, we filed chapter XXXX bankruptcy in the Federal Courts of XXXX Indiana. After the case was filed, Credit Acceptance pationed the court to have the vehicle returned to them. The vehicle was in the state of California, they were told where the vehicle would be and to pick it up. A week went by and the bank did not pick up the car. The apartment complex where the vehicle was, had the vehicle towed. The company that towed the vehicle tried for many months to contact the bank to let them know he had the vehicle. The person that towed it put a mechanic 's lien against the car for towing and storage fees. After the required time the person that towed the vehicle had the state of California crush the car. Credit Acceptance never made an attempt to secure their interest after pationing the federal court. Now in XXXX, Credit Acceptance brings a debt garnishment suit to the state of Wisconsin and is given said garnishment for a debt that was suppose to be settled in federal court. They are garnishing my check for the balance owed, even though they never secured there interest in the pation that was given in federal court. Our bankruptcy case was dismissed in XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PHYS XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX and XXXXXXXX XXXX EST. Dont send any usps, XXXX XXXX or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally and im not sure what was reported by the company, i was told several reports.. My first issue I was hospitalized for nearly 2 months, the other person on the loan was put in prison because she was the direct cause of my hospitalization and stole my money all of which was documented, so I called and notified the company, you allowed me to enter in a payment plan to catch back up when I was well enough to work. I was under the impression that wouldn't impact my credit. Your company also forced me in a forbearance thing during covid I never agreed to and when I noticed my payment didn't withdraw I called to ask why.. I WANTED to make my payment and you wouldn't let me ..so after I disputed that with your company you sold my loan to XXXX who also stated they have no record of me even being in a forbearance plan and all of a sudden I was forced to pay that in entirety! which I was able to do but you reported that to my credit and I want that removed immediately!
Product: Student loan

I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.
Product: Mortgage

I purchased my house in XX/XX/2020. My lender was XXXX. I received a payment voucher from Planet Home Lending in XXXX. I contacted XXXX to ask who I should pay. They informed me that they were still my lender and I made my XXXX mortgage payment to them. Planet Home Lending has been calling demanding XXXX payment as well. I spoke to XXXX XXXX yesterday and he was supposed to provide a copy of the goodbye letter from XXXX XXXX. He never called back or emailed me the letter. I suspect it doesnt exist since my lender said that they still owned my loan. I believe that Planet missed a step in the process to take over my loan. They have demanded that I pay them for XXXX when I have already made my payment to my original lender. 
Planet is bullying me and trying to make their mistake my problem. They have threatened to report this delinquent payment to the credit bureau. My XXXX payment was made on XX/XX/XXXX so I am definitely not delinquent.
Product: Debt collection

Im sorry I didnt know I was supposed to collect information from them. Medical debt being transferred to third party and old charged off from bankruptcy reappearing on credit reports as current debt. All these charge off on my credit is affecting my report. Its already paid off. Charge-off shouldnt have a balance on your credit. Its against the law to try to collect for a debt thats already charged off and paid for.
Product: Credit card

We realized we didn't have our cards early XXXX, and I called to report them missing and fraudulent activity on XX/XX/XXXX. All of the charges happened on XX/XX/XXXX, XXXX, and XXXX at XXXX XXXX XXXX for {$1500.00}. When I googled the store # associated with the charges they give stores in Oregon. My account balance should be {$0.00} as I had activated the cards but never used them. My wife was issued a new card ( the charges were on her card ), but merely froze mine. They also didn't report the charges as fraudulent ( {$1500.00} ) and was told today that I needed to make a minimum payment on XX/XX/XXXX. They haven't removed the charges, notes weren't properly made in their system, and they're trying to make me pay for it.
Product: Credit reporting or other personal consumer reports

I declared bk in 2017 whic is correctly documented however each of my accounts I made sure were paid never late right up until the day I filed!!! To date neither my current accounts or those included in bk were ever late!!!! The credit bureaus continue to report negative information of numerous late payments or derogatory information making it quite difficult trying to purchase my car! I understand the bk must be listed but they are reporting in addition to the bk there are numerous delinquent or derogatory or late payments which is false!!! After one declares bk they are allowed a fresh start this happened in 2017 and my cards were in time then and now I have excellent payment
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I pulled my credit report and noticed inaccurate and incomplete items. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not accurate : XXXX XXXX XXXX - High Balance incorrect, date of last activity incorrect ; creditor type incorrect. 

XXXX XXXXXXXX - High Balance, date of last activity ; XXXX XXXX XXXX - High balance ; creditor type ; last payment date XXXXXXXX XXXX XXXX - High balance is incorrect ; date of last activity incorrect ; closed date is incorrect ; creditor type is incorrect ; last payment date incorrect. Additionally, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness ; If creditor has filed 1099c with IRS, please verify or remove; under 12USC5562 ( c ) ; and did this creditor claim this as a loss, under business tax laws? 

XXXX  - Incorrect account number ; Date of last activity incorrect ; Incorrect last payment date ; XXXX XXXX Pursuant 18 US Code 8, I owe no debt. This company is violating my consumer right to privacy, pursuant to 15 USXXXX 1681b.2 and has no permission to report anything using my information, pursuant 15USC 1681.4 XXXXXXXX XXXX XXXXXXXX Pursuant 18 US Code 8, I owe no debt. This company is violating my consumer right to privacy, pursuant to 15 USC 1681b.2 and has no permission to report anything using my information, pursuant 15USC 1681.4
Product: Mortgage

We sold our house financed with XXXX. We turned ownership to the new owner XX/XX/XXXX. My first call to XXXX was on the XX/XX/XXXX. I inquired as to {$2500.00} escrow money that was to be released back to us. They told me that it would be up to 14 days. I called the 2nd time on the XX/XX/XXXX which allowed 17 days. I asked the individual handling my account to put a stop payment on the 1st checkand to Expedite the check. He assured me that he would expedite the check and assured me that I would have the check in 5 days. 
XX/XX/XXXX I called for the third time and demanded that the money be directly deposited into our bank account. The customer service manager acknowledged receiving all pertinent information needed to direct deposit the money into our account. She very clearly told me that she would call me when the individual responsible for wiring the money was done wiring it. I provided all the information by XXXX XXXX   Pacific Time. She indicated that it needed to be there prior to XXXX XXXX Pacific Time. 
I have received no call, nor has the money gone into my account. 
I have been lied to, and as far as I can tell they are refusing to release the funds to us. Their deceptive practices are illegal and are completely hinging on fraud.
Product: Checking or savings account

I bank with PNC my mortgage company XXXX XXXX XXXX XXXX XXXX double dip into my checking account which depleting my savings account cause at the time I only had {$2100.00} my mortgage is {$2900.00} I contacted XXXX XXXX XXXX XXXX and I informed them that they double dipped into my checking account and I wanted them to reverse the charge in terms. It led to a ten day wait so I didnt have any money, but XXXX XXXX XXXX XXXX XXXX XXXX tell me that a check will be mailed out to me? So I called PNC and I explained the problem to them so, I informed them that I wanted to dispute the amount that I was minus on my checking account and what was told to me is that they needed to have an investigation so again I have to wait PNC shouldve seen that my account was double dipped because I got a Social Security check and XXXX pension check they basically know my banking habits so I dont see why they let XXXX XXXX XXXX XXXX XXXX double dipping into my checking account. I had a borrow money so I could survive this month. All my bills havent been paid and Im stuck with waiting. Im a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed an application on a 2 bed/ 2 bath & den at the XXXX   at XXXX and CoreLogic violated Fair Credit Reporting Act, 607. Compliance procedures [ 15 U.S.C. 1681e ] : Section ( b ) Accuracy of report. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' CoreLogic erroneously reported an unverified non-existing open court judgment for $ 3,500+ with my CURRENT property management company XXXX XXXX XXXX dated back from XXXX. How is that possible if Im a current tenant in good standing? Had CoreLogic followed reasonable procedures to assure maximum possible accuracy, such as checking the actual court records or contacting the alleged judgment holder that I currently am still leased under, this erroneous open landlord/tenant judgment would not have been reported. As a result on XX/XX/XXXX ; I received an Adverse Action Letter from The XXXX at XXXX advising me that they are unable to approve my application : " This adverse action has been taken in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ).

This decision was based on : [ X ] Information contained in consumer report ( s ) obtained from or through CoreLogic XXXX XXXX XXXX XXXX, which may include credit or consumer information from one or more credit bureaus or consumer reporting agencies. '' I reached out to CoreLogic on XXXX XXXX and that is when I learned of this " outstanding judgment '' when I asked the representative did they verify that information prior to " selling '' this inaccurate information to a leasing company that determines if I get approved or denied for a rental lease. She said no and stated that " it must not have been updated ; I'll submit a dispute now and you will the results within 30 days ''. This is a very difficult development to secure a 2bed-2bath, Den and I have a deposit that is about to be refunded to me due to this error. After explaining the urgency ; I requested if they could expedite it because there is no court records or my current property manager to confirm this information ; I was told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Transunion about inquiries I did not recognize I spoke to several people prior to this one one guy who Informed me that all inquiries disputed will be deleted as well as updates I advise about my employer. As of today none of the information I called about is even showing in dispute or under review. I am asking that all information I requested be removed from my credit report as well as my file be reviewed because the representative mentioned I had two accounts and I wanted to know why and the rep would not provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.