23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe that Specialized Loan Servicing LLC used misleading, abusive and harrassing tactics in an attempt to collect more than I owed under my policy. I typically pay {$1700.00} monthly on my mortgage, but they notified me in early XXXX that I owed {$30000.00} by XXXX XXXX due to purported outstanding escrow fees, even though my account was current. I repeatedly tried to point out the error via email and on multiple phone calls with my accountant on the phone with me. But instead of being helpful, customer service representatives yelled at me on the phone and told me that if I didn't pay {$30000.00} by XX/XX/XXXX my account would be in default and my home could be pushed into foreclosure. 

After many stressful days and sleepless nights, I liquidated my assets and pooled what little I had in my savings account to make the {$30000.00} in payment so that my property and home wouldn't be pushed into foreclosure. I also contested the company 's claims in writing that they were incorrect and bogus, and I complained to the company that they had used harrassing, threatening and what I believe were illegal tactics to try to make me pay far more than I was required to pay monthly under our contract. I made the {$30000.00} payment just before XX/XX/XXXX, but as a result, I have very little left to live on during a pandemic and uncertain times. 

The company eventually sent me a letter dated XX/XX/XXXX that they had indeed made an error and I owed nothing more than the {$1700.00} monthly mortgage payment, but it's too little, too late, and I want my money back so that I can be able to financially withstand the economic uncertainty caused by the pandemic. I also believe the company 's actions violate multiple provisions of the Fair Debt Collection Practices Act, and I'm entitled to recover the maximum statutory fine under it. 

As evidence, I've attached the XXXX XXXX letter ( titled " letter '' ) that I received from the company admitting their mistake in calculating alleged outstanding escrow fees. I also attached two notices ( titled " overdue1 '' and " overdue2 '' ) that I received prior to XX/XX/XXXX from the company claiming I owed the company escrow payments. I also attached a document ( titled " amount owed '' ) from the company, which claimed that I owed roughly {$30000.00} by XX/XX/XXXX, and a letter I sent the company ( titled " protest '' ) informing them that an error had been made and requesting all and any information related to my account. Additionally, I attached two XX/XX/XXXX documents from the company ( titled " statement1 '' and " statement2 '' ) that indicates the amounts I paid on the loan and the dates the payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Product: Debt collection

this is the copy of the voicemail the company left me ... lThis is an urgent message. We are trying to contact XXXX XXXX in regards to an active filing and delivery information packet. Your immediate return response is requested to XXXX. Failure to respond will result in immediate expedition of the case in decisions being made on your behalf without your knowledge or consent. Again you must contact us by XXXX at XXXX or press XXXX now to be connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 
XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the s right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a report without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no furnish an account without my written instructions 15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions c crimes which antedates the report by more thans seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  reporting address XXXX XXXX XXXX, TX XXXX, an address I never lived at has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's continue to violate my rights as a As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature as the natural person known as XXXX XXXX. They have Violated XXXX XXXX XXXX CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures Violated 15 USC 1681 ; Harass and oppressive use of XXXX about an alleged debt. 
Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
The attached document clearly shows that XXXX XXXX XXXX XXXX has CANCELED the debt yet EXPERIAN, XXXX and XXXX continue to report the account XXXX XXXX XXXX XXXX on my private consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. Acct. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX  1.XXXX XXXX XXXX  2.XXXX  XXXX XXXX XXXX 3.XXXX/XXXX  XXXX   1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX  Experian 1.XXXX XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
Product: Debt collection

Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.
Product: Credit reporting

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 
Equifax has already placed a Fraud XXXX alert on the other XXXX CRAs, so you do not need to do this again ... Let 's be intelligent here. I want you to review the attached documentation and REMOVE/DELETE this entry asap ... I am on the verge of making sure the AG fines your establishment for years of extortion. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit on XXXX  XX/XX/2023, and noticed there were a few credit cards from XXXX  XXXX with a {$3000.00}, a XXXX XXXX  with a balance of {$5000.00}, a loan from XXXX XXXX XXXX  with the amount of XXXX, XXXX XXXX XXXX XXXX XXXX  with a balance of XXXX and a XXXX XXXX  with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.
Product: Credit card or prepaid card

This complaint is regarding Barclay 's XXXX XXXX. Barclays allowed my credit card to be charged by a local company XXXX XXXX XXXX XXXX ) with no authorization, no invoice and no signature despite the fact that the company is a local company and they had been at the premises several times. The vendor charged my credit card for work NOT DONE. We neither signed a work authorization, estimate, nor did we sign a charge slip despite the fact that the company is a local establishment and they could have easily obtained a signature because they had visited our premises several times. We would not and did not sign any documents. Instead they forged my signature on these documents at their offices. 

When the company charged our credit card, we filed a dispute with Barclays and provided them with copious amount of information on this unauthorized charge, and finally received a letter from them ( copy attached ) stating AFTER THOROUGH REVIEW, they had found in my favor, and credited the charges on my Barclay card. 

Several weeks later, we received a letter reversing their decision ( despite their thorough review ), and they re-charged my Barclays card with the charges that they had previously found in my favor. The reason for this is because their employee XXXX XXXX lied about having my signature on the estimate. The truth is that we never signed any document with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Experian suddenly dropped my credit score by XXXX points. I checked my credit file with Experian and noticed XXXX incorrect delinquent entries on student loans. These loans were since refinanced and closed in XXXX. They were never late before closure. 

Account name : XXXX XXXX XXXX Account number : XXXX Experian shows all XXXX accounts with the same masked numbers as shown above. 

All XXXX loans were closed in good standing since XXXX. Experian 's own reporting reflects this fact. 
Yet all XXXX loans are falsely reported by Experian as 90 days late in XX/XX/XXXX. It makes no sense since they were closed earlier in XXXX. 

This " delinquency '' suddenly appeared in my credit file XX/XX/XXXX. It was never previously reported as late. 

On XX/XX/XXXX I opened online dispute with Experian and pointed out obvious inconsistencies and false entries. 

On XX/XX/XXXX Experian completed and closed dispute WITHOUT CHANGES. 

On XX/XX/XXXX, same day, I called Experian at XXXX, spoke with agent XXXX, expressed my frustration, and reopened the dispute. Reference # XXXX. 

On XX/XX/XXXX, same day, I called my student loan servicer and creditor, XXXX, at XXXX. XXXX denied reporting negative entries to Experian. They affirmed my student loan accounts are in good standing and never late before or after refinance and closure. I requested a letter to that effect. 

On XX/XX/XXXX I received an exonerating letter from creditor XXXX. Letter listed the loans and stated clearly : " The account is current and in Good Standing with no negative reporting to the Credit Bureaus ''. 

On XX/XX/XXXX I uploaded XXXX letter to Experian 's website and attached to ongoing dispute. 

On XX/XX/XXXX I called Experian at XXXX to confirm receipt of uploaded letter, and to expedite resolution. Experian 's phone agent XXXX spent XXXX minutes reading the short letter. She then insisted current dispute must be cancelled before my creditor 's letter can be attached. XXXX stated clearly that cancellation would effectively create a new dispute and reset resolution clock to 30 days. 

It is unacceptable that my creditor 's letter could not be attached to a current dispute unless I accept cancellation of current dispute and reset clock another 30 days. I communicated to XXXX my refusal to restart dispute for the third time on the same issue. 

Experian phone agent XXXX refused to budge and rudely interrupted me numerous times. 

Frustrated, I hung up the phone. 

This false reporting by Experian is preventing me from obtaining credit to fund my niece 's education. It is unfair that a credit bureau should have so much ability to ruin lives willfully, break the law, and not be accountable. They refuse to make corrections even when it is obvious and documentation is provided. 

The Fair Credit Reporting Act Section 623 ( a ) ( 2 ) states clearly the duty of Credit Reporting Agencies and furnishers to correct and update information in a consumer 's file, especially if accurate information is provided to the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to Experian credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.
Product: Checking or savings account

Starting XXXX XXXX, XXXX, Capital One began experiencing a disruption in payment processing and account balance updates, which is due to a technical issue with one of service providers. 

This have also delayed timely processing of transactions such as wires, ACH, book transfers and loan closing disbursements as well as opening new accounts.
Product: Vehicle loan or lease

On the evening of XX/XX/XXXX, Mid-Atlantic repossessed my vehicle at 47 days past due. I did not receive any written notification, voicemails and only received 1 email in regards to this issue. My vehicle was purchased in XXXX, from a buy here-pay here dealer ; however, my loan was sold to Mid Atlantic financial a year later without my knowledge. I have made every payment within a 30 day window since my loan was sold to this company and this is the first time my loan has gone this past due. There are a number of issues regarding this repossession, the first including that the tow truck driver came into a public establishment, and announced that my car was taken from in front the building. The lack of communication, and customer loyalty is astounding. After almost 2 years of timely payments, my vehicle was taken without due notice or any consideration for me as a consumer. 

I attempted to contact the company on XX/XX/XXXX at XXXX XXXX   and XXXX XXXX, and was given little information regarding this repossession. After speaking with two representatives, I asked to speak with a supervisor, but was left on an extended hold that ended with my call being disconnected. As someone who works in the finance sphere, I understand that it's my responsibility to adhere to my contractual obligations, but I do not agree that this was done fairly or at a reasonable time period - given the industry standard is 55-60 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS USED MY PERSONAL INFORMATION WITHOUT MY PERMISSION NOW I HAVE NUMEROUS INQUIRIES ON MY ALL MY CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and XXXX and Transunion disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX
Product: Debt collection

Third party debt collectors have not shown me proof of any alleged debt on my XXXX credit or any of the other credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting a hard inquiry stating that there are issues with my name and information. I tried to fix this issue by internet email and telephone with no positive results. Apparently there is an account associated with my name. I tried to access information requarding this issue to get it resolved and they would not provide me with anything. But they admitted that I have some kind of account. They ask for my sensitive and personal information which I provided. And they still denied to give any information. They basically tricked me into giving them my information thereby basically stealing it with deceit. Once I provided all my personal information they basically told me to go get XXXX. And I asked to speak to the supervisor and was denied. I believe they are committing fraud in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX