23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our credit.
Product: Money transfer, virtual currency, or money service

Made XXXX  transfer from navy federal to XXXX  XXXX XXXX. The bank never informed that it would take 2-3 business to transfer, i used XXXX at other institutions and never had issues, money would arrive instantaneously.
Product: Debt collection

I have disputed the debt with Experian Credit reporting agency several times. Ive submitted police reports, ftc complaints, and all other required documentation to proove the negative closed account XXXX XXXX XXXX and the collection account Innovative XXXX XXXX are not mine. 

Experian continues to report fraudulent Accounts onto my credit profile. These accounts do not belong to me. I have informed them of the following I have not supplied proof under the doctrine estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX  balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge. 
In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges. 
I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}. 
No resolution- according to the fees I will never have a XXXX  balance. They are shady and dishonest.
Product: Debt collection

I was robbed at XXXX XXXX  in 2003. Ever since then, different student loans, credit cards, utility accounts and car loans have been showing up on my credit. I have never had an account with XXXX XXXX. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Debt collection

On XX/XX/XXXX I spoke with a lady by the the XXXX with Fairway Capital Recovery ( collection company ) and she said a copy of the letter was sent on XX/XX/XXXX of XXXX to XXXX XXXX place in XXXX in XXXX. XXXX she said this because we didnt even close on this home until XX/XX/XXXX of XXXX. She was recording this phone call and it was right at XXXX XXXX. 
I then hung up and called XXXX XXXX XXXX and paid that bill for XXXX with a confirmation number of XXXX. This bill was disputed in XXXX of its original amount because the utilities were kept on for over a month after I had left the home as the lease was ended. The leasing company advised me that I never requested that I stop services. Does anyone leave utilities on after they move??? I know I didnt for fact. Anyways I cant prove this from 3 years ago. Total XXXX. So I woke up this morning with a credit alert that there was a collection on my credit report. I then called the collector Fairway Capital Recovery back. I informed them the bill was paid and asked to speak to the manager ( XXXX I was told her name was ) however she was unavailable to speak. Apparently she is the one who has the authority to remove this from my credit report. This is not fair to me. XXXX XXXX kept my deposit and I had to just pay XXXX. That a total of over XXXX dollars that is gone. I probably owed maybe XXXX but not over XXXX. I have disputed this account with XXXX and this collection company before hoping for some sort of fair amount that should be paid but today unfortunately I lost because without any notice to me it appeared on my credit report. This is not fair. I received no letters in over a year. No phone calls. No certified letters. No emails. NOTHING. I paid the disputed balance to XXXX directly and told them this is inappropriate. I demand that The FairWay Capital Recovery remove itself from my credit report immediately.
Product: Debt collection

XXXX XXXX called from Ashton & Weinberg claiming they were attorneys and collecting on behalf of XXXX XXXX in XXXX. MA. Although I was polite and professional and explained as I did to XXXX XXXX that we were going through a difficult time and had all intentions to pay The {$1000.00} dollars that couldn't at this time. XXXX then went on to call me scumb bag and low life when I told him I was uncomfortable giving him my debt card number. I told him I didn't appreciate his attitude he continued to call me scumb bag I told him I would be calling XXXX XXXX and that I couldn't believe that they would hire a firm like his. He said go ahead call them and I will see you in court. I have recordings of Voice mail threatening legal action and further unprofessional demeanor and harassment from him. Three week ago my business account and personal checking account were hacked and cleaned out the case is being investigated by XXXX XXXX Fraud Department. New accounts have been issued and we are very careful of giving account info out over the phone at this time. The issue with regard to amount owed will be dealt with XXXX XXXX directly and we will not communicate with this firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires submitted below are a result of identity theft. I recently discovered through my new monitoring service them being reported I made efforts to remove these accounts from my file as they do not belong to me. All inquiry accounts were a result of fraud an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

INQUIRIES : 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, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.
Product: Debt collection

I received a letter asking if this was my debt from a collection company. I responded with no as its an electric bill for the state of Texas and I have never lived there. I received another notice with a bill from that electric company and asked to pay the amount that is not mine. I also got an alert on my credit report that the collection hit my credit. This is not mine and no one has ever tried to contact me other than this debit collection company and they never reached out even though I said this so not mine.
Product: Credit reporting or other personal consumer reports

I have some inquiries on my Experian credit report Inquiries I have XXXX Total Fruad Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching personal information, two account and inquiries that are fraudulently reported on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am Florida XXXX representing a client XXXX in a foreclosure defense case for her home. In XXXX of 2014, my client applied for modification and made trial payments to the designated company. She made all her payments via money orders purchased through XXXX XXXX. The Case was before a XXXX, Florida Judge. The Court was informed of the modification. The Servicer of her loan demanded that the client provide proof of the money orders being cashed. The Client paid additional money to the have the money orders researched and show proof that they were indeed cashed, when, and by whom. This information was provided to the Loan servicer and the Court. The Court issued an order demanding that the modification proceed and that the foreclosure be stopped because the client had complied with the trial payments for the modification of her home loan. 
The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.
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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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.
Product: Mortgage

Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion/XXXX  are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks. 

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. XXXX laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for XXXX XXXX
Product: Mortgage

I have a house that has been under contract by the buyers for over 40 days. The Title company, XXXX XXXX  in XXXX MN, sent out a request for mortgage loan Pay Off on my account on XX/XX/XXXX and then again on XX/XX/XXXX. This is a process that should just take 3 days. Freedom Mortgage has yet to send over the pay off. It has been 11 days! On Monday XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ), I contacted them multiple times about when will the pay off be sent to the title company. I was desperately attempting to assist the title company with this process. Today XX/XX/XXXX one person claimed that the pay off was completed and that the file was closed and the pay off was sent via a pdf to our title closing person. Yet I find this was a lie when the title company DID NOT RECIEVE the pay off! 
Freedom Mortgage appears to be with holding information to complete the closing on the house! My realtor and the title closer advised they have NEVER seen this before from any mortgage
Product: Debt collection

My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.
Product: Credit reporting or other personal consumer reports

This is my third time submitting this request. Please review attached documents. 
I have included the previous claim so you can read the situation at hand. 
Capitol one, in response, requested a letter from my institution ( XXXX ) stating that the payment should not have been returned. I communicated this with XXXX and they provided me with the letter I have included in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to Equifax data breach. 

Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Reports # : XXXX, XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Reports : XXXX, XXXX for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent accounts 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. As a foreign national, my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in English, but here is the information. Please help me. This account is not mine. Someone used my information. Can you remove it? Here is the account : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about experian credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  XXXX. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX cards and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with experian again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Product: Debt collection

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this XXXX XXXX Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.
Product: Debt collection

while reveiwing my credit report i found a debt that i have no knowledge of i have tried numerous time to contact them but no answer i dont know who this company is nor have i ever signed a contract with them nor any of there affiliates