23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We found out about the outstanding debt from an outside source, months after the debt had been placed on my credit report. We were applying for an apartment, when we were informed that there was a debt owed to a previous apartment complex. 

I contacted that apartment complex on XX/XX/2020, only to find out my debt had been transferred to a collections agency. After getting the name and number of that agency, I reached out to them through a phone call and tried to get more information. Neither the apartment complex or the debt collection agency made any effort to contact me via phone, email or mail to notify me of the debt before it was placed on my credit report. I was given no option to pay, dispute or otherwise keep this debt off my credit report. 

When I called the agency, they were reluctant to share information. I was given the outrageous amounts for TWO accounts and I was told the name of the agent overseeing those accounts for this debt, given a phone number for him and an email for the company. I was told I could not get information unless I emailed a request for one. So on that same day, XX/XX/2020, I sent an email request for an itemized bill. 

On XX/XX/2020 I received email responses. One for each account, but I could not see any itemization for either bill. I saw the amounts, but nothing more - and I sent another email letting the company know I had received the bill amounts for each account, but did not see the itemization I requested. I received a response within a couple of hours, letting me know I should have received the bills via email - and I have received no further communication from that collection agency since. I have not received the letter of acknowledged communications in the mail that was supposed to be sent five days after I reached out to them - and I still have not received a call, or email with explanations for the charges. 

I have sent a letter disputing the charges and their handling of those accounts. I have protested that I was not given any information about this debt before it was put on my credit report - and their mishandling of overall communications with me about this debt. I just wanted to make the CFPB aware of this company and their practices so no other consumers would be caught out with a debt on their credit reports without awareness by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, see attached FTC Report, Utility bill, and two forms of ID. Delete the fraudulent accounts pursuant to the FCRA.
Product: Credit card

Take a moment to examine the attached documents. I want the bureau to start an investigation into these accounts, as my payment history is consistently on time, contrary to the erroneous reporting.
Product: Mortgage

My mother passed away XX/XX/XXXX, at that time her Nationstar Mortgage account was past due {$1500.00}. In XX/XX/XXXX a cashier check and XXXX money orders were sent to Nationstar in the amount of {$1600.00} with a letter from my Attorney. They applied {$800.00} and I requested they research the other {$800.00} since no one was able to tell me where this money went. We sent proof of payment with copies of the money orders and the cancelled cashier check. Payment was sent monthly to Nationstar but unbeknownst to me the payments were short ( XX/XX/XXXX - XX/XX/XXXX ) but cashed by Nationstar. I discovered through calling the money order company " XXXX XXXX '' that the Money orders sent with the cashier check in XX/XX/XXXX were returned to them. The XX/XX/XXXX payment was also sent back to the XXXX order company. The payments for XX/XX/XXXX - XX/XX/XXXX were returned to my address and I received a Foreclosure Notice. The statement due on XX/XX/XXXX was for the amount of {$5000.00}, I submitted a payment of {$5500.00} through Certified Mail on XX/XX/XXXX. They did not apply this amount to the account and returned the checks to me on XX/XX/XXXX indicating this was insufficient amount and that {$6000.00} was due. The next payment is due on XX/XX/XXXX, the statement amount is {$5900.00}. I have tried to make the payments to Nationstar Mortgage, tried to contact the Assigned Foreclosure Prevention Specialist XXXX XXXX several times but this person has only returned my call once and he left a message. I have spoken with him once. Each time I have called Nationstar I have gotten a different story as to how much is owed, where to send it and if the account is still active. I need assistance with getting this account current. 

Any assistance you can give me would be greatly appreciated. 

Thank you, XXXX XXXXcell XXXXhome XXXX
Product: Mortgage

Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.
Product: Mortgage

Harrassment, slander, unfair deceptive practices ALL of the following is documented by me with Ditech names, dates, and conversations. I have done nothing wrong and have worked intensley, on my own, resolving Ditechs own deception. It began in XX/XX/XXXX with my deferral request approval but with most recent deception in XX/XX/XXXX outlined here today. Regarding the latest deceptive practices by Ditech. I myself phoned them in XX/XX/XXXX when I noticed that my XX/XX/XXXX check payment of XXXX which was sent out on XX/XX/XXXX had not cleared my checking account. Ditech claimed during phone convo that they " did not have my XX/XX/XXXX payment ''. I advised them that the check was mailed out on the XX/XX/XXXX. They somehow managed to locate my mailed check one day before my 15 day grace period was up. I was then advised by Ditech that they did not have XX/XX/XXXX payment! in amt of XXXX. Though it had cleared my checking account, their accounting did not acknowledge nor document my XX/XX/XXXX payment. So.. I took it upon myself to print a copy of the XX/XX/XXXX payment cancelled check # XXXX dtd XX/XX/XXXX in amount of XXXX and send it to them. They recieved my proof via email and verbally acknowledged receipt of the XXXX payment. However, they have yet to document this payment and it is now XX/XX/XXXX! Throughout their deception and confusion they suddenly changed their tune and phoned me twice, XX/XX/XXXX & XX/XX/XXXX, to tell me the same thing each time. That " they haven't found the check and are working on retrieving it from their insurance dept where it was mistakenly sent by them and my account will then reflect payment '' as it still is not showing posted to my account! That was over a week ago and still nothing is fixed by Ditech and it is now out of my hands, completely. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i bought a XXXX XXXX XXXX in XXXX XXXX. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
Product: Credit card or prepaid card

I paid a settlement t o Synchrony Financial  on  XXXX   XXXX ,  2017 for a V  alue City Cr edit card they handle. The payment was for an amount {$380.00} which should have settled the balance leave me owing nothing. I have confirmation both that the payment was sufficient for them to consider the balance settled and of the payment itself. On  XXXX   XXXX ,    2017 Synchrony  mailed me a statement reflecting the payment of {$380.00} but showing a balance of {$770.00} and a minimum payment due of {$73.00}. I called Synchrony today  XXXX   XXXX  , 2017 a nd after speaking with several people including someone off shore named  XXXX  and supervisor named  XXXX  here in the United States I was told that my account was under a review period and that it " should be '' settled in 30 days. It is unacceptable that after confirmation of this being considered paid in full that they are now telling me it is under review and I am still receiving bills.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent items that appear on my credit report. I recently reviewed my credit report and identified several items that I did not open, nor do I recognize any of the transactions associated with these items. I believe that these items have been opened fraudulently using my personal information. I have not opened these accounts, nor have I authorized anyone else to open them on my behalf. I request that you conduct a thorough investigation of these items and remove them from my credit report as they are negatively impacting my credit score and financial standing. 
If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. Kindly help me investigate and remove the following items immediately : XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint for the following information that appears on my Expuifax consumer report. These inquiries were not authorized and are inaccurate as they tarnish my reputation an which I was unaware of identity theft. I am taking further action to secure my personal information. With 15 U.S.C. 1681 Fair Credit Reporting Act in law I am excessing my right to dispute misleading and unfair information on my consumer report. These laws makes sure consumers are protected and I dont feel protected at all. These inquiries had caused doubt and defamation to my character. 

Inquiry # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Inquiry # 2XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX, XXXX, Tx XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX Tx XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Inquiry # XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX, XXXX, GA XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX, ND XXXX Inquiry # XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XXXX, Tx XXXX Thank you for your Assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have disputed this entry with Transunion on multiple occasions. The creditor *XXXX ) are refusing to provide me proof of validation in violation of : TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] 803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

The amount is {$97.00} and I have asked for 2 years for them to provide proof that I have owed it. I submitted that proof to Transunion dated XXXX/XXXX/15 and Transunion acknowledged the receipt. It is still not removed and it is affecting my credit and employment.
Product: Debt collection

XXXX XXXX is reporting a bankruptcy. and verifying to all three major credit bureaus. The Federal bankruptcy court is not reporting any information to the credit bureaus and I don't have an account or contract with XXXX XXXX. The Bankruptcy filing is not accurate. 

Hunter Warfield is reporting a judgment that has been satisfied in the XXXX XXXX Tennessee Circuit Court. Hunter Warfield was not a party to the judgment that was satisfied and it is illegal for then to report a civil judgment in which they were not a party to the suit. 

Tennessee Dept. of Human Services is reporting a Texas Civil Judgment. The State of Texas only gave them the authority to enforce child support. The Dept. of Human Services has refused to give me a hearing to contest this negative information and Tennessee law strictly prohibits adverse actions without an opportunity for a hearing. The account should be deleted immediately.
Product: Student loan

I was discharged from my student loans as part of the XXXX XXXX XXXXXXXX lawsuit. My school was named and I received the approval from US department of education. Borrower defense department has sent over the discharge paperwork to Mohela and they have refused to discharge my student loans. The loans were due for forgiveness by XX/XX/2024. Mohela has since placed me back into repayment, when they are not supposed to, according to the lawsuit. 

I am needing immediate discharge of my student loans as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report inaccurate.
Product: Credit card

I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.
Product: Credit reporting or other personal consumer reports

They are reporting wrong information seeing my credit score is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with XXXX XXXX and Equifax and experience to fix these issues, but they have still not
Product: Checking or savings account

Beginning last Tuesday, XX/XX/year> I began dealing with an identity theft / bank account takeover to the point where the only thing I could do was close the bank account and credit card account at SoFi to stop the unauthorized use. Once I closed the account, SoFi reps informed me that I could no longer appeal their denial of my misuse claims ( so on the next page I will provide what was my account number, but it no longer exists ). The credit card division at SoFi found the charges to be fraudulent totaling over {$1000.00} but the banking side of the SoFi arm found around {$2400.00} in bank card use not fraudulent... even though I reside in XXXX  ( and have not been out of the State for months ), never authorized anyone ( including my wife ) to use my card, and the purchases took place in XXXX.
Product: Debt collection

I have a debt collector contacting me about an amount that XXXX XXXX claims I owe them under the name Online Information Services, I want this debt dropped from my credit report.
Product: Mortgage

Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.
Product: Debt collection

I am not aware of this company, I do not know the debt or what it actually is and why they are trying to collect from me. This company has 2 collections on my account witch is ridiculous I disputed last year and did not realize until now when I am trying to lease me apartment that the dispute was denied and they have now increased the collection and there are 2 collections on my credit for this witch really makes no sense. I have no communications of any company trying to contact me within the last decade ( 10 years ) regarding any funds or anything that I owe. Witch is much like the other collections on my account. I need this looked into as soon as possible because I will keep dispute every single year until these fraudulent collections are removed from my credit.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions, under 15 US c 1666B a creditor may not treat a Payment on an credit card account under and open and consumer creditor as late for any purpose.
Product: Money transfer, virtual currency, or money service

Initial deposit made from personal bank account XXXX, several case tickets were assigned when information was requested- ( 1 ) XXXX, ( 2 ) account closure notice ( no ticket available ), ( 3 ) XXXX, ( 4 ) XXXX, ( 5 ) XXXX. 

Had been promised phone contact which never occurred. 

Allegation that there was " scam activities '' on the account. 

Attempted account transfer on three occasions, however, each transfer failed. 

Account appears to remain " under review '' and each day a further date for completion is posted on the home banner. 

Copy of initial funding wire request is attached.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX BANK ACCOUNT IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I'VE CONTACTED THE CREDITOR NUMEROUS TIMES AND THE CREDIT REPORTING AGENCIES FOR CONSTANTLY REPORTING THIS INACCURATE INFORMATION. 

THE LAST CORRESPONDENCE WITH THE CREDIT REPORTING AGENCIES RESULTING IN THIS INFORMATION BEING UNVERIFIABLE. 

THIS ACCOUNT WAS CLOSED AND CHARGED-OFF, THIS BALANCE HAS BEEN CLAIMED ON THE CREDITORS ' TAXES. THIS ACCOUNT CAN NOT BE REPORTED AS IT IS NOW TAXABLE INCOME WITH A 1099 ISSUED.

THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from am finance that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my XXXX history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone or group keep erase my email forwarding call ..they made attempts on my life.. I'm XXXX haven't received a dime on trust fund ..I filed fraud the government seized it refunded back now some group is doing to the same .the won't let mr on social media because there my portals..need help back.
Product: Debt collection

There is a debt collection agency by the name of COLUMBIA DEBT RECOVERY LLC DBA GENESIS MANAGEMENT. This company sent correspondence in the past stating that they were licensed to collect in the state of TENNESSEE. This debt collection company is not licensed to collect in TENNESSEE. TENNESSEE require debt collection companies to have a legal license to collect debt. The company was registered in TENNESSEE but has no legal license to collect debt. The statement saying they were, is a lie and a violation per 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and since they are damaging my financial reputation, they are violating 15 USC 1692d ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Charge Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance - Terms Revolving Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. They stated it was verified with no facts or a method of verification behind it. All is being investigated by the ftc.
Product: Debt collection

I called the company they stated i had to pay {$1.00} to have my report reviewed by them, prior to to accepting payemtn from me, when i asked if that was procedure i wasnt given an answer, i know the FCRA states no payemtn can makde that is not directed towards thge owed amount.