23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In my youth I made some poor decisions and found myself incarcerated in the Arizona Prison system. I am embarrassed of this and it is difficult for me to actually need to use that incarceration as proof I did not obtain the debt I am accused of owing. The debt was obtained at Chase bank. I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX of XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.
Product: Credit reporting or other personal consumer reports

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX XXXX, and Equifax , without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & XXXX ), XX/XX/2023 ( Equifax ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX XXXX, XXXX/XXXX
Product: Debt collection

Mandarich Law Group LLP froze money in my checking account, I was NOT informed that they were going to take the money out of my account, and no one will help me. this is a credit card debt that is well over 7 years old, and they claim that they took over the account in XXXX 

No one will help me and all they say is that at this point I MUST pay the money. The only option I was given was to give them a different checking account. 

The money that they are taking was deposited into my checking account through a claim we have when our house XXXX XXXX XXXX and was a total loss. Including personal property. 

The credit union will not help nor, will anyone at the number I was given to call.
Product: Debt collection

Company continues to call and leave messages but is an automated call asking me to contact the company. I've asked for communication to be sent via correspondence yet they continue to call me through various numbers. I have blocked them and they continue to call and leave voice messages.
Product: Payday loan, title loan, or personal loan

Company, Cash One repossessed my vehicle after 35 days past due and is now not answer their phone when I attempt to contact them. The loss of transportation has now led to loss of employment.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account Number : XXXX Report dates not specified : XX/XX/year> and XX/XX/year>.
Product: Debt collection

I have sent several letters for the company to validate the debt, never was sent a validation : Federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

You may have misplaced my letter or failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. 
For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my XXXX XXXX report and found that my credit score drastically went down. I notice that there were several unauthorize hard inquiries on my credit report. 

American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX When calling each incorrect companies I got the run around and transferred place to place without resolution. When speaking with American Express they did confirm that a new credit card was open and they have suspended - however I need confirmation that it was cancelled with no charges against my name and credit report. 
I need all of the credit bureaus corrected and all hard inquiries removed.
Product: Payday loan, title loan, personal loan, or advance loan

MY X wife XXXX XXXX has been using my identification to obtain loans and credit card information to use as personal gain since XXXX. The reason I say this is due to the fact Every time some creditors call my current wife XXXX XXXX phone she tells these people we have no idea where she is or who she owed they continued to harass myself and any parties involved on her contact list from white page and credit reports. Please investigate as soon as possible I am a victim of identity theft. I filed bankruptcy in XXXX and I have been cleaned since now all of a sudden I am getting sued by cashnetusa for a loan I never applied for. I am a victim of identification theft and fraud.
Product: Debt collection

According to these laws 15 U.S. Code XXXXc and 15 U.S. Code XXXXg and 15 U.S. Code XXXX e ( b ) I am protected from the abuse of my rights as a consumer.

Dear LVNV FUNDING LLC/Resurgent Capital Services Account number XXXX, I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following documentation : XXXX. A copy of the forward flow agreement related to the accounts in question. 
XXXX. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt. It is my right to request this information, and I expect your prompt response within XXXX  days of receiving this letter.Thank you for your attention to this matter. I look forward to your prompt response. LVNV FUNDING LLC has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with XXXX XXXXXXXX XXXX agency. I have included the validation letter sent to LVNV FUNDING LLC that they never responded back to when delivered by XXXX back in XXXX XXXX  2024. 

Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with XXXX XXXX collection agency. I have included the validation letter sent to XXXX XXXX that they never responded back to when delivered by XXXX back in XXXX of 2024. Proof of the delivery of the letter by XXXX services.
Product: Debt collection

On XX/XX/XXXX, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with a full copy of the original contract and an accurate record of the payments made up to XX/XX/XXXX ( payments made after that date were omitted ), however, there was no debt assignment letter indicating that they are authorized to collect the debt.
Product: Mortgage

I purchased a home with Rushmore Loan Managment Services in XXXX of XXXX. In XXXX of XXXX  they offered a forebarence to me for 6 months. The forbarence said it was with HUD. Rushmore then filed the lien on the behalf of HUD against my property. Two years later Rushmore Loan Management Services transferred my mortgage account to XXXX XXXX XXXX. XXXX XXXX contacted me to advise me that they would be my new service provider and provided me with the payoff. Rushmore charged XXXX XXXX the principal balance owed and the additional {$20000.00} for the forbarence lien that was placed against my house. Rushmore did not tell XXXX XXXX what the additional charge of {$20000.00} was for and XXXX told us we had two weeks to pay it. I then tried to sell the property and was under contract with a buyer and the lien for the {$20000.00} came up on the title report from HUD. My attorney and myself made several calls to HUD and they had no knowledge of the lien and directed me to call my original bank back ( Rushmore ). HUD told me that Rushmore never submitted any paperwork to them for the Forbarence lien and that they would not be able to provide us with a payoff or discharge. Rushmore could not provide a payoff or discharge because the company said HUD filed the lien. HUD could not provide a discharge or payoff because they said Rushmore did not file the paperwork with them for the lien. I was not able to clear title and sell the property. One year later I'm attempting to do a Home Equity Loan and Rushmore was paid and will not provide discharge or any docs, They are telling me to call HUD and HUD is telling us they have no record of the lien filed and it was not filed by them. Rushmore was paid by our new service provider and admits that they received the payment but states that theres nothing they can do for us.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX has violated my privacy by posting false information to Equafax about a closed account by connecting a closed and settled account with a fraudulent account that has been disputed and removed from my credit reports.
Product: Mortgage

XX/XX/2023 - Good day, I just found out that Truist/a.k.a Suntrust Mortgage Company has placed my 2nd mortgage that they are servicing on foreclosure. I tried to call them twice today, to find out how to bring the account current and if they could provide me with the payment to be made to reinstate the account, as well as providing a payoff quote. The first representative I spoke to informed me that they could not give me the amount to pay to bring the loan current, and to call their attorney who will have to add their fees and let me know how much to pay them. I expected my mortgage company to have that information and not run me around to get the amount to reinstate my account or pay it off if I choose to do so. This bank has proven difficult to work with from the start, when I tried to modify this loan with them. I submitted an application long ago, which they lost and wanted me to submit another one. I have family members going through terminal illnesses that I have been dealing with, and just couldn't deal with them running me around. I had to borrow money to try to reinstate this account, and they are still doing the same thing. I even asked them to provide a pay off quote as well, which they could not do. The second representative I spoke to, gave me a figure which does not correspond with the figure I saw on this lender 's current loan statement for this month, which they had sent to me. She then told me to contact their attorney, after giving me the quote, which tells me that what she quoted is not right. My first mortgage is current, and when I called them, they told me they are not aware that this lender is trying to foreclose on my property. I feel frustrated in trying to deal with them and assume this as part of their tactics that they use to take people 's properties from them. I would really appreciate your assistance in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX  XXXX US DEPT EDXXXX US DEPT EDXXXX XXXX XXXX US DEPT ED XXXX USDEPT ED XXXX
Product: Checking or savings account

In XX/XX/2020 netspend had closed My bank account and will not give me my money that was refunded from merchants that was refuned back to my closed account during this 2020 pandemic. my social security and ssi check was going into this previous account and they closed my account on me without informing me that they done it and my checks went back to the us treasury.i was without aid for 30 days because they have closed my account and will not let me open a new account with netspend. netspend is not giving me any money that i was refunded from merchants at all. netspend will not transfer my refunds to my new bank account or to me in a check form.netspend account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX claim # 1 claim date XX/XX/2020 claim # XXXX amount {$50.00} claim # 2 claim date XX/XX/2020 claim # XXXX amount {$50.00}. net spend phone number is XXXX XXXX XXXX XXXX.thank you so much i want them to tranfer my refunds to my new account XXXX XXXX  rt # XXXX acct # XXXX.the netspend account is closed and they are keeping my refunds during an national emergency.i dont owe them netspend no money at all..if i did owe them its their fault because netspend closed the account themselves.thanks
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

Been receiving calls for about 2 weeks from someone from XXXX XXXX XXXX. On the first call I told them that I have no debt with XXXX XXXX XXXX and that I never received collection letters from them. The person was insistent asking for a payment method while I was talking. He started to ask so fast that a I couldn't understand him, so I asked for someone who's speaks XXXX, but the person didn't let me talk. He only asked for the payment method and insisted that I had to pay the debt. I told him that a owe no money to XXXX XXXX XXXX and requested evidence of the debt. I received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Sometimes up to 3 calls a dya.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX XXXXXXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.
Product: Checking or savings account

I met Mr. XXXX XXXX to see about closongmu mom, Ms. XXXX XXXX IRA account, since my mom pass away on XX/XX/2019 of this year. The first email received on XX/XX/2019, that Mr. XXXX will be starting his vacation and hand his assignment to Mr. XXXX XXXX on XX/XX/2019. After receiving my last communication with Mr. XXXX, I have beenin communication with Mr. XXXX XXXX by phone and email. After meeting Mr. XXXX XXXX in person at the bank and filling out the necessary paper work. I was promised the check will be out in a week. The last email sent by Mr. XXXX stated that he will reach out with the IRA department on XX/XX/2019. So far, I have yet receive a reply or call back, anf when I tried the main number. I am always informed he is with a client or in a meeting. Can someone assist? The amount is about {$8000.00} my mom old IRA account that my my
Product: Credit reporting or other personal consumer reports

According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted ExperianXXXX 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