23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.
Product: Mortgage

I have requested the amount to payoff our mortgage from Seneca Servicing, I have sent them the required paper work 4 times now in over 2 weeks and copied myself as well and I get the attachment but they say they do n't get it so they will not give me the payoff amount. I do n't know what I can do to force them to admit they got the paper work and give me the payoff amount. Please help us as we are seniors and want this debt gone.
Product: Credit reporting or other personal consumer reports

My information was sold to an collection agency from original creditor without my consent
Product: Student loan

First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. 
Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response
Product: Mortgage

I filed a inquiry to Freedom Mortgage on XX/XX/XXXX as to how I could remove my PMI payment from my escrow account. Freedom Mortgage sent me a secure message back on XX/XX/XXXX and said : XXXX XXXX XXXX XXXX FHA ) loans originating after XX/XX/XXXX are not eligible for early MIP cancellation period your loan originated on XX/XX/XXXX period the FHA final billing date is XX/XX/XXXX period please note, that MIP is paid in arrears, and the final remittance is scheduled to Occur the month following the final bill date. 
So even if I make all other qualifications, I can not remove my PMI payment because my loan originated after XX/XX/XXXX. This doesn't seem correct.
Product: Student loan

Mohela sold loans to XXXX who has consolidated all of my student loans. Their negative reporting is affecting my debt to ratio when they do not exist.
Product: Mortgage

My mortgage loan is from ditech. I have and was working for an in house modifcation which they had approved me and my payments began XX/XX/2018 of {$260.00}. They needed my authorization for the approval which i did several times and never received the approval documents how they had explained to me. Later on i come to find out i was denied but was never notified. They have me back and forth but i am XXXX and still making my {$260.00} payment as they had mentioned to me at first. The excuse, they are backed up. Loan # XXXX they changed my loan # number due to new system # XXXX Password to talk to me due to getting alot of scam calls- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company to remove the old account off my report I have a new agreement and dean tthisold agreement off of my report so I can apply for things I need
Product: Credit reporting or other personal consumer reports

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my mental health.
Product: Debt collection

Per the FDCPA I requested verification of debt from SOUTHWEST CREDIT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. SOUTHWEST CREDIT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm no longer an authorized user or financially responsible since XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incident happened today XX/XX/2021. I tried to file a dispute with XXXX and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to XXXX was about AES : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
AES is not providing correct information to credit reporting agencies and is messing up my credit score. XXXX did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.
Product: Debt collection

debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be malicious at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX XXXX Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX XXXX ( Arkansas ) Circuit Court,  ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, Eight District in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX XXXX and the XXXX, XXXX XXXX alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon final credit check to get the clear to close for our home loan, TransUnion has reported another person 's info including name and employer onto my,  XXXX   XXXX , TransUnion credit report. There are  XXXX  collection accounts and  XXXX  open account that is 2 months past due, these accounts belong to a man named  XXXX   XXXX   XXXX  who works for  XXXX   XXXX  ( as reported on my credit report ). Upon contacting TransUnion to inquire about this I was told I had to file a police report for identity theft to get these removed. I spoke with local law enforcement and based on the situation state that a police report is not necessary because this is not identity theft but rather and error on TransUnion 's part for entering the other gentleman 's information incorrectly ( Social Security Number ) ... ..I called all the account holders and collection companies listed that were not mine to discover they did not have anything with my name on it and in fact that  XXXX   XXXX   XXXX   XXXX  little hasty and asked how I got someone else 's account number when my name is n't on the account ... .even as a joint as listed on TransUnion Report ...  XXXX  then proceeds to tell me that they have to have a police report in order to remove the wrong account. I am wanting all the negatives and collections and anything else pertaining to  XXXX   XXXX   XXXX  with last  XXXX  SSN :  XXXX  to be removed immediately ( no later than next week ) because it was TransUnion 's mistake. The last  XXXX  of my  XXXX  :  XXXX  ... .all the other numbers of the  XXXX  for both are identical except the last digit ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into us bank to get personal loan I was approved instantly I was also approved for 0 intrest card with a XXXX dollar limit I was unsure about getting new card with high limit due to fraud he suggested I get a smaller amount of maybe XXXX dollars I said fine not realizing my XXXX credit score was about to become XXXX within a few months I called to get higher limit on card and was denied due to having more than 30 % of limit on card if I would have known I would of just takin the XXXX. A few weeks ago I descoverd fraud on card my bank removed charged a cupple dAys later I noticed money gone from account and it over drafted XXXX been w them almost 9 years totally shocked
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXXXXXX XXXX XXXX Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Product: Credit card or prepaid card

Agent XXXX XXXX with USAA required I provide credit card information after I reported a transaction in response to a fraud alert. One of the transactions if the transactional information bundled in the text would make it appear as a preauthorization in Texas for XXXX simultaneously while I was preauthorization on a gasoline transaction in Virginia XXXX Multiple member service representatives requested information from the credit card and gave verbal instructions on how to acquire such information through the application and website. Website was listed with a unique identifier XXXX after logging out. Application was listed as XXXX in the version.
Product: Debt collection

Received a letter from a credit collector and the debt does not belong to me, I never opened the account
Product: Credit card or prepaid card

Got a new AMEX card with high rates. Wrote them a letter saying that 27.49 % plus XXXX percent penalty if not paid in full inside 30 days or if you miss a payment, etc., is not what I was hoping for, was the highest rate I ever heard of and let them know that I was hoping they were going to treat me better as a former gold card member. Suggested I would not recommend anyone accept that type of high rate plus a penalty high rate. Sounds like an impending disaster. Think it should be illegal or considered usury. *My last 15 year home mortgage had an APR under 4 percent, was paid off early and I haven't incurred any unpaid bills since? My credit is good or near XXXX. 

Imagine I got sick and put the hospital bill on a card like this? How could anyone recover at near 50 percent interest rate?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ALTHOUGH I'VE CONTINUOUSLY TRIED TO CHALLENGE THE INACCURACIES IN THE DATA PROVIDED TO EXPERIAN, AND XXXX, REGRETTABLY, THE MATTER REMAINS UNRESOLVED AT THIS JUNCTURE. 

Reporting in Experian : The following accounts are reporting inaccurately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Reporting XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address issues regarding the unauthorized use of my information by the XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( 2 ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, XXXX refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are closed are still on my credit.
Product: Checking or savings account

Hi- I have been a victim of a check-cashing fraud where my original XXXX XXXX  payable to one of my vendors was altered and cashed by Bank of America , remitting cash to a payee other than who was originally intended. This occurred in XX/XX/2021 with a value of {$33000.00}. I bank with XXXX, submitted an affidavit through their fraud department and was told the corresponding bank ( BoA ) has up to 120 days to respond to the fraud claim. This 120 days expired at the end of XXXX, Bank of America has not responded to XXXX and XXXX is telling me there is nothing they can do. I'm a small business and this is a significant amount of money. I've tried to escalate to XXXX Executive office and they claim to be at the mercy of a reply from BoA.