23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My boss received a call from a Mr XXXX, informed her that someone is on their way to my job to serve me papers. He gave her a document number and a telephone number to call. I called the given number, XXXX, spoke with a XXXX XXXX. He states he is with XXXX XXXX XXXX, and there are 2 civil suits against me. He states it's with Rushmore Financial and supposedly I took out a {$500.00} loan. He also states that I can pay right now and the payment will only be {$850.00}. He states that if it goes to court, I will have to pay them {$2500.00}. I told him I have to look into the validity of this loan. He said that it's too late and I will just have to go to court over this. 
I know that consumers have a right not to be served at work or be threatened with a lawsuit or jail time.
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX XXXX private data, SSN and information being exposed during the data breach, we are looking to have all inaccurate delinquencies that has been reported in accurately off XXXX XXXX credit
Product: Debt collection

I have tried on numerous occassions to get Collection Bureau of America to remove the collection item that it has placed on my credit report with XXXX. I paid the balance in full in XXXX of 2019. They have since added the item as a collection account on my XXXX report and refuse to remove the item after they stated they would get it removed. In addition, I have written a total of 3 letters to the XXXX and have received no results as they are stating to me that this company has verified it as being valid. Please, pleasse, please help me get this removed as it has been and is still being detrimental to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of XXXX and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
Capital One # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX XXXX : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my XXXX  credit report from synchrony. I have call XXXX and synchrony and no help getting this inquiry off my credit report. I use XXXX  XXXX  for credit info. The inquiry took place on XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX  Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.
Product: Credit reporting or other personal consumer reports

My credit was ran by SYNCB on XX/XX/2022 and I did not authorize this inquiry. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX I just got a copy of my credit report. To my Surprise, You are reporting this account incorrectly.This collection account is reporting not only as PAID OFF, but also shows a past due balance of XXXX. According to the FCRA XXXX have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XXXX - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I did not give this company permission to pull my credit, and I will not tolerate this unauthorized inquiry on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.
Product: Mortgage

My mortgage is a fixed VA with assumption rider signed XX/XX/XXXX. I divorced XX/XX/XXXX and I want my ex off of my mortgage. I am being denied mortgage assumption and any information about my mortgage companies successor in interest program. 
My mortgage company ( New Penn Financial, New Rez LLC d/b/a Shellpoint Mortgage Servicing ) denies eligibility in VA loan assumption or their successor in interest program, sends email or letters requesting more time, offers far more expensive refinancing and cash out options, and transfers phone calls through their phone system until disconnect. Since my divorce I have called, emailed and used my mortgage company online utility ( each multiple times ) to try and work with my mortgage company. My mortgage assumption rider requires approval of the Department of Veterans Affairs. I completed the VA assumption package and have been approved to assume full responsibility of my VA loan since XX/XX/XXXX. I have only received hang ups, email with links that dont work, and letters requesting more time. I wrote my mortgage lender and their parent company another request for mortgage assumption after receiving a notice of bankruptcy from my ex ; with explanation of circumstances, and included my divorce decree, quitclaim deed, and signed VA Release of Liability. I received a denial almost 90 days later due to a claim of account past due although I do not have any late payments ; and my ex already completed her bankruptcy two months prior. 
XX/XX/XXXX Original VA mortgage signed with XXXX XXXX XXXX  with assumption rider XX/XX/XXXX Denied assumption by New Penn Financial in email you can only refinance XX/XX/XXXX New Penn Financial changes name to New Rez. No change to mortgage terms and conditions. 
XX/XX/XXXX Letter from New Penn Financial stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating due to complex nature of the matter we respectfully request additional time to respond fully to your inquiry. We apologize for inconvenience and appreciate your patience in this matter. 
XX/XX/XXXX email from New Rez offering refinance. 
XX/XX/XXXX my email requesting assumption due to exs bankruptcy, including VA assumption approval, divorce decree, completed quitclaim deed. I receive email from Shellpoint Mortgage Servicing We are working to gather the requested information and will respond as soon as possible. 
XX/XX/XXXX Letter from New Rez LLC d/b/a Shellpoint Mortgage Servicing You are ineligible for an assumption. The account is past due. I have the statements to prove the account is not past due or even late.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

I submitted a written request via certified mail to Experian Credit Bureau to dispute several items on my credit report on XX/XX/year>. I provided them with my driver 's license and a bank statement. On XX/XX/year>, I received the following response via email ... '' We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' I sent another signed certified letter telling them it was indeed me. I included my ID again with another piece of mail to verify my address. On XX/XX/year>, I received another email with the same language as the XXXX on XX/XX/year>. So now, I've spent nearly {$12.00} in certified mail with no results. 

I then called the credit bureau, and spoke to a representative, who told me that they could not find either letter requesting an investigation. The representative then offered to take it over the phone, but I wanted the date they received the XXXX request honored... she was not able to do so. 

Now it is XX/XX/year>, and I have not heard anything back from my initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), and a XXXX  Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine XXXX times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX XXXXXXXX with Account Number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXXXXXX with account number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX
Product: Debt collection

CONRAD CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $XXXX Date Updated: XX/XX/XXXX Last Payment Made: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX XXXX (Personal Services) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The company responded to my dispute with XXXX with documents that are incomplete and not within the requirement of account level documentation.
Product: Credit reporting or other personal consumer reports

I recently view my credit report and noticed there were inquiries that I did not authorize which constitutes and Identity theft. I filed a Identity theft complaint " see attatched ''. I have included the inquiries within the complaint. I will also include them here : 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 have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.
Product: Credit reporting or other personal consumer reports

I am without prejudice the Agent AND NAME HOLDER grantor Beneficiary heir FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS FIDUCIARY DUTIES, XXXX XXXX XXXX XXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but XXXX  get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?
Product: Payday loan, title loan, or personal loan

Security Finance repeated called me on my phone and left voice mails and refused to stop after I told them I was filing for bankruptcy ... These  phone calls were so awful that I had to reach out to corporate to get them to cease and desist excessive harassing phone calls ... I still have all their voicemails it was an awful ordeal..
Product: Mortgage

We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXXXXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX.   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there were accounts listed on my credit report that I had not applied for. I also started getting notifications from my credit monitoring services about inquires to companies I have no idea how they go my information.
Product: Debt collection

I contacted Transworld Systems to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to XXXX XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served America for? Really?
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.