23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mandarich Law Group LLP, XXXX Mandarich- XXXX license # XXXX. Claims to be an Attorney, Company is a XXXX party Debt buyer registered in XXXX. Fraudulently, claims he represents XXXX party XXXX another debt collector from XXXX XXXX, then files a XXXX  against XXXX  in XXXX  without proof of claim. I never gave permission for Mandarich to contact me at XXXX FDCPA XXXX ( a ) violation. XXXX XXXX is not the original creditor for his law claim FDCPA XXXX ( b ) communication with 3rd parties. Filed a Lawsuit without proof of claim FDCPA XXXX ( d ) Harassment and Abuse. My XXXX dies of XXXX XXXX in the midst of the XXXX companies above harassing me, defaming me and extorting me. I asked for The ORIGINAL CONTRACT of the debt between the alleged original creditor XXXX XXXX XXXX- Not received. There is No agreement between myself and Mandarich LAW Group NOR XXXX XXXX XXXX ( e ) False- Misleading Representation. Alleged XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked for XXXX. I asked for Debt Validation and True Bill of accounting, Mandarich filed for a default judgment now XXXX in retaliation ( another violation FDCPA XXXX ( XXXX ) False and Misleading Representation, XXXX ( g ) Failed to Validate Amount of Debt ) CFPB please shut this company DOWN both Mandarich Law Group and UGH XXXX XXXX and fine them to the fullest extent lawfully possible. Filing a frivolous lawsuit for personal gain and UNJUST ENRICHMENT is another FDCPA XXXX ( I ) Venue is improper based on fraud- valid contract between myself and your client not submitted as requested on XX/XX/year>. FDCPA XXXX ( j ) violation Furnishing Certain Deceptive Forms- Mandarich Law GroupXXXX XXXX on behalf of UGH XXXX sues on behalf of Cash Net XXXX XXXX XXXX without Proof of Claim? I beg the CFPB to do the right thing for consumers like myself. I have placed copies of the lawsuit in part for validation of my reporting.
Product: Credit card

I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with Equifax on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With XXXX it is reported under three different accounts. XXXX  / XXXX  and XXXX  for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.
Product: Bank account or service

On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry
Product: Credit reporting or other personal consumer reports

I put a claim on a Zelle transaction within min of happening they advise they will call me to ask me questions about the investigation and I didnt receive no call or my money back {$150.00} zelle to the wrong number
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries on my Transunion credit report. I recently reviewed my credit report it show all these credit inquiries that I have no knowledge of. I am writing to dispute the following inquiries and ask for the removal from my credit report. 
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 or other personal consumer reports

I am requesting a copy of my consumer file from Innovis and XXXX. My name is XXXX XXXX XXXX, my date of birth is XX/XX/year>, and my social security number is XXXX. I am requesting my name and address be updated immediately to reflect XXXX XXXX XXXX and my address is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month. 

I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears. 

Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.

I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.
Product: Credit card or prepaid card

My Membership Rewards account seems currently being locked without any notice that prevents me from transferring points to an airline partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source : XXXX XXXX : XXXX  Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.
Product: Credit reporting

Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?
Product: Payday loan, title loan, or personal loan

I have filed a FTC report to get the account NCB MANAGEMENT SERVI off my credit reports ( XXXX  and XXXX  ). I have sent letter and filed a FTC report and they continue to report this negative false information on these to bureaus, which goes against the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit act XXXX  Account # XXXX, Have violated my right. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section States I have the right to privacy 15 USC 1681 section 604 Section 2 : it also states A consumer Recording agency Can not Furnish a account without my written signature 15 USC 1666B : A creditor may not treat any payment on a credit card Account under any open end Consumer plan as late on any purpose.
Product: Debt or credit management

A company I used to work with for some credit card payments ceased their operations. 

This " company '' SST took over my account from them and proceeded to harass in excess of established federal guidelines
Product: Debt collection

I had a bogus collection on all 3 of my credit reports. I filed disputes with all 3 credit bureaus by certified mail. 

Experian is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my Experian account is from a company called XXXX XXXX. 

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also Experian is incorrectly showing that XXXX other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on Experian. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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.

This is the fifth time trying to resolve this matter. Ive contacted them via phone and email and they havent even been able to locate my account yet its showing on my credit report. I have never been a customer of XXXX in any capacity whether through XXXX XXXX or XXXX XXXX. I HAVE NEVER ENLISTED IN THEIR SERVICES FOR ANYTHING.
Product: Credit reporting or other personal consumer reports

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my rights under 15 USC 1681b and 15 USC 1681c-2. 
The following inquiries were made without my authorization : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, coinbase alleges that they declined a purchase order, actually numerous orders somewhere in the ballpark of XXXX usd. I checked and my bank has no recollection or documents proving this to be true. Coinbase sent out an email stating i owe them this money which i didnt authorize in the first place. Now i just sold some cryptocurrency from elsewhere and deposited in coinbase and come to find out they locked my account so i cant withdraw or send anywhere, holding my XXXX in bitcoin hostage. When i called and emailed them,  they said i must pay what i owr, i was shocked. Im not a rich man i worked for this money and expect them to honor that after all the fees and money they made off my customer loyalty. Please help me fix this my family and i would appreciate it.
Product: Mortgage

My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. XXXX XXXX XXXX XXXX, WA, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury
Product: Mortgage

On XXXX XX/XX/year>2024, I requested Shellpoint Mortgage ( servicing provider for my XXXX XXXX XXXX loan ) to provide me with mortgage assistance options due to my recent XXXX XXXX  and reduction in monthly income. After conflicting information and keep telling me they have 30 days to respond, I was told to schedule an appointment with a mortgage assistance/loss mitigation representative. I had that call on XXXX XX/XX/year>2024 at XXXX and was told that Shellpoint can not offer me any mortgage assistance due to my account not being delinquent for three months. So basically they were telling me, without telling me, to not pay for three months and then I can potentially be offered options. Of course, this would be after my credit is ruined and there is no guarantee they would provide any financial assistance at that time. Even more, they could force me to repay the three months and if I can't, would force me into a foreclosure situation.

I was taking ever step possible to be proactive and prevent any kind of irriversable harm to my personal finances during this new chapter of my life, while also minimizing the stress and burden medical retirement has added to my life. Although I hope my XXXX XXXX is temporary while I focus on my health, the lack of support and options from Shellpoint has added another layer of stress. I thought mortgage assistance/loss mitigation options for customers was available to prevent these type of situations and not ruin someone's personal finances. To date, Shellpoint did not request any details on my personal situation, nor did they ask for verification of my reduction of income. You would think that is necessary to make any decisions about my case. Further, why did it take them 3 weeks to tell me this when they knew from the start that I would not qualify for anything they offer because I am currently not delinquent, much less three months delinquent.
Product: Debt collection

In 2014 I was living in XXXX and laid off, NY department of social services paid my utility bills and I paid them back. Numerous collection agencies tried to collect on the debt and I submitted proof to CFPB years ago and CFPB even forwarded to FTC. All was removed years ago from my credit reports. Today all 3 credit bureaus are reporting this as a debt  collection from Harvard collections in the amount of {$570.00}. I called them and they stated this is the same debt owed from 2014 that was paid and now is hundreds more. This was paid by the department of social services of NYC over 6 years ago.
Product: Vehicle loan or lease

I, natural person and consumer of the United State of America Pursuant to 15 USC 1681b, Exeter Finance LLC received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Exeter Finance LLC also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Exeter Finance continues to report that they made a fraudulent and unlawful inquiry on my consumer report after I made them aware via CFPB complaint XXXX that they had not received my consent to do so. Exeter Finance LLC is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation as a consumer and defaming my character.

Pursuant to 15 USC 1691e, I am owed a remedied as a result of this unlawful and fraudulent procurement regarding my consumer report.
Product: Debt collection

A new Medical Collection was added to my credit on XXXX XXXX XXXX that does not belong to me. 

AssetCare , LLC ( XXXX ) XXXX Asset care purchased an account on XX/XX/XXXX. 

I was able to speak to a representative after the first two supervisors disconnected my call without answering any of my questions and concerns Lastly I spoke with XXXX, and I verified this is not an account that belongs to me and they reported the account to the credit bureaus incorrectly. NO efforts to confirm with me that this account is valid. They advised they called once on XX/XX/XXXX and were told they had a wrong number, they then mailed out a letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, I told them this is an incorrect address as the street name is spelled incorrectly, BECAUSE they did not receive a response to a letter AssetCare mailed out to a wrong address they submitted this account without any proof of validation to this account. I asked for a copy of the letter they supposedly mailed out to me on XX/XX/XXXX and they told me they could not provide me with a copy. I requested that they immediately notify the credit bureaus this account is being reported incorrectly and immediate deletion. I received confirmation they would be processing request for deletion pending an itemized bill of the services rendered for that account. They are now in violation of any HIPPA law protecting consumers of their privacy rights. 

Lastly, I was told once they mail out the itemized bill they will automatically start reporting it as a collection to the credit bureaus, even though they're only attempt to validate this debt was sent to a wrong address. This has caused immense conflict to my credit journey will be requesting costs for statutory damages.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed multiple disputes ( XXXX ), and ( XXXX ) on my account at the time of me filing the disputes was my account was not closed, and I was told I should receive an update XXXX from that date which was XX/XX/XXXX I was told this by the disputes department. I did not receive an update or resolution letter about my dispute so I did not know what was the finale resolution until I called on XX/XX/XXXX and was informed that both disputes ( XXXX ), and ( XXXX ) where resolved in my favor and a refund of the disputed amount would've been credited to my account on XX/XX/XXXX .. upon checking there was no credit added to the account on XX/XX/XXXX or any day after that there should've been a credit amount of {$1100.00}. Now during the investigation of the disputes my account was put in negative and eventually closed with a negative balance but even with that being said the disputes that where ruled in my favor on XX/XX/XXXX should've been added to my account and covered the negative balance I had on the account and the remaining balance from my repayment of the negative balance should've been mailed to me in a check which this did not happen... I want the funds from the disputes that I won on XX/XX/XXXX to be sent to me in a check asap this is ridiculous I shouldn't have to go through this to have those funds sent to me I have added both dispute claim numbers at the top so you guys can pull up and see that I have won both disputes and no funds where ever credited to my account a posted on XX/XX/XXXX ... my name is XXXX XXXX
Product: Debt collection

I am submitting this complaint regarding XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. XXXX has not taken the proper steps to conduct an investigation which violates my rights as a consumer under the Fair Credit Reporting Act. 

The inaccurate accounts are as follows Creditor NCA For the amount of XXXX
Product: Debt collection

I initially wrote to National Credit Adjusters a third-party collecting agency in XXXX of 2020 requesting a letter of validation for two account they have acquired and are trying to collect. One in the amount of {$560.00} the other {$720.00}, they responded in XX/XX/2020 stating, " They needed more time to investigate. '' since then I have not heard from this company after reaching out several more times asking them to stop all reporting and collection efforts without properly verifying the alleged debts, However, they continue to violate my rights as a consumer by continuing to report this unverifiable debt to the reporting agencies. This company has exhausted the time allowed for an investigation period. They are making it difficult for me to establish credit with other companies. This has been going on for three years without validating these alleged debts.