23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information needs to be updated and the unauthorized inquiries need to be deleted
Product: Debt collection

A law firm sent to me a letter stating that they were of counsel for XXXX XXXX XXXX , XXXX, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and Crosstown Law, LLC. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by XXXX XXXX XXXX , XXXX. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If XXXX states that they purchased the XXXX debt XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XX/XX/XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of XXXX XXXX XXXX XXXX are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XXXX. XXXX XXXX XXXX XXXX is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Product: Mortgage

For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations experian and XXXX i XXXX  XXXX XXXX XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 points.
Product: Credit reporting or other personal consumer reports

Subject : Dispute request to remove co-signed account due to 1099-C Cancellation of debt Dear XXXX I am writing to formally dispute the inclusion of the following account on my credit report. I co-signed the account listed below, but the original account holder has received a 1099-C ( cancellation of debt ), which signifies that the debt has been forgiven and is no longer owed.

Account information account number:XXXX original creditor : XXXX XXXX Date opened : XX/XX/2020 As a Co-signer, my responsibility for this account was contingent on the original account holder fulfilling the terms of the agreement. Given the fact that the debt has been canceled by the creditor ( evidenced by the 1099-C ), I respectfully request that the account be removed from my credit report.

Please investigate this matter and, upon confirmation of the cancellation of the debt, delete this account from my credit report.

I have attached a copy of the 1099-C form for your reference. If you require any additional documentation to process this dispute, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely XXXX XXXX
Product: Debt collection

I do not owe this debt collection agency the amount of {$970.00}. It is on my credit report illegally because there is no written contract or written notice that validates the debt that I supposedly owe Midland Funding LLC. I would like to request that this is removed from my credit report.
Product: Vehicle loan or lease

On XXXX XXXX my husband had i car accident they maid the car a total lost i had gap on my car just found out by Gap my car was over fiance over 150 % of the car value. Kia Finance never informed me about that information.I perches the car XX/XX/18. I was inform by XXXX XXXX ( GAP ) Company that when they did the surcharge they notice that the car was over fiance.
Product: Money transfer, virtual currency, or money service

I received my first SSI XXXX check from the federal government yesterday, which I've been anxiously awaiting for 16 months. I'm XXXX and am living in my car with my pet and desparately need this {$1500.00} for basic survival needs. When I tried to cash the check at XXXX yesterday, it was declined based on Certegy 's " service '' and was labeled " high risk. '' The check is drawn on the US Treasury! And there is no way to speak to a human at Certegy. Their only offered assistance, through automation, is to mail me a copy of whatever could possibly be in " my file '' that causes this check to be high risk. That's of no help to a homeless person with no mailing address. Unbelievable. They should be sued for this.
Product: Checking or savings account

n XX/XX/2022, Someone impersonating an official from the clerk of the Circuit Court called me and asked for a bond release payment in order to release my friends teenager child. The transaction didnt go through and while waiting on the phone for a prolonged period of time, I became aware of the scam and requested cancellation of the {$700.00} XXXX payment. Shortly after, I received an email confirming the cancellation of the payment. I continued trying to speak to someone from CHASE to make sure the payment cancellation had gone through. At this point, the rep that answered my second call was rude, wouldnt listen to my request and hung up the phone while I was talking to her. I kept on trying to reach someone and the 3rd person I spoke to, asked me if I wanted to cancel the {$700.00} payment YES or NOT, my response was YES. At this point, I requested my account unblocked. After speaking to this 3rd person, I was finally able to access my account online and noticed that the {$700.00} was still pending. I went in person to the Chase branch near my home and I spoke to banker, XXXX XXXX, who attempted to contact XXXX but hung up the phone without speaking to anyone. XXXX XXXX looked tired and unwilling to help. By the way, instead of trying to assist me, she started judging my situation and bragging about her perfect family. I showed her a secure message on my account Indicating that the transaction was cancelled but I was concerned about the pending status. I begged her not to hang up the phone without speaking to the appropriate person but she said that the secure message was enough to proof that the problem had been resolved. I left the branch unhappy with the lack of professionalism of XXXX XXXX. The next day, the payment that was previously pending, had then been released. Many phone calls later, many incorrect answers and many fake promises after, I filed a complaint but after an alleged investigation, Chase and XXXX refused to accept their responsibility which was obviously a mistake of their incompetent employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts currently listed on my Equifax credit report keeps reappearing on my credit report : XXXX XXXX  XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX XXXX, $ {$19000.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$29000.00} and the XXXX XXXX XXXX, {$370.00}, Equifax has deleted the fraudulent accounts numerous times, but the fraudulent accounts keep reappearing on my credit report.
Product: Credit reporting

I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, XXXX take legal action against you.
Product: Credit reporting or other personal consumer reports

I'm requesting an unapproved credit inquiry from my credit record. I discovered inquiry on my credit report that I had not approved when I obtained a copy of my credit report. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX , GA  XXXX  TransUnion, LLC   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       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  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Student loan

I allowed XXXX XXXX XXXX to work with Fed Loans for an income dependent repayment plan. I sent payments ( {$620.00} ) to them every month until I found out that I could make the same arrangements with Fed Loans directly. At this point, Affordable Life did not forward my payments to Fed Loan, because I did not allow permission for them to access my Fed Loan account. Affordable Life told me that if I did not work through them, I would have to pay {$1900.00} a month. At this point, I sent my tax returns ( 2014 ) and filed for another IDR. I did not hear back from Affordable Life and in the meantime Fed Loans reports 120 days late payments to the credit bureaus. I would like this negative and false reports removed from all three credit bureaus.
Product: Mortgage

I had a major storm that damaged the solar system and roofing on my house and garage. My insurance carrier, XXXX XXXX, sent out an engineer to document the damage and an adjuster issued a check to effect repairs. Because Fay Servicing LLC bought my loan from XXXX XXXX, they were included as a payee on the insurance check. The check was for roughly {$110000.00} and I submitted contracts with two contractors to replace the solar system and roofing. 

According to Fay Servicing, the loss claim process was to take 8 to 10 days for me to receive the first draw after they received the check. I was advised to send the check priority mail to them, which I did, and I confirmed delivery was made on XX/XX/23. I called roughly one week later to check on the status of the funds release. Fay told me that they had been trying " all week '' to contact my adjuster to verify the date and type of loss. I was assured the funds had been placed in a trust fund. I called my adjuster right away and was told that he had not received any calls from Fay, but that he did have one mumbled voicemail that was unintelligible and came from a private number so he did not know if that was them. He called them that day, told them what they needed to hear, and then called me back to relay that information. 

I waited another week and called in to check the status and I was told that the initial release for one-third of the funds was in process. I pointed out that, per the contracts Fay told me I had to send to them for review, both contractors had terms of one-half up front and the remainder on completion. Fay then told me that they would have to submit a special request because the amount was over {$40000.00}. I asked why that had not been done since they had the contracts and they had no answer. I was told again that from that point, it would be 8-10 days. 

I have called numerous times to find out where the funds are and each time I am told that it should be done in 8-10 days. I was told on XX/XX/XXXX that a check for {$47000.00} should arrive " this week ''. Then when I called again on XX/XX/XXXX, I was told that the check was written on XX/XX/XXXX, but they were not sure if it had been mailed. I was told that the check should arrive either Wed before or Mon after XXXX. In the meantime, we had a very heavy rain storm and the damaged roof leaked, causing additional damage inside the home. I called Fay to let them know this and asked what they would do about it. Their response was that they would " release another {$20000.00} ''. I told them this was NEW damage resulting from their delays and releasing more of my money that was for the old damage was not a solution. I asked the supervisor to go up the chain and get my original draw released and find out what Fay would do since it was their fault I had suffered more damage. I was told that would happen and I said I will be waiting for a phone call. 

Fay Servicing has been holding my funds in a trust account since XX/XX/XXXX and it is now nine weeks into the " 8-10 day '' process. Winter is setting in and my roofer may not be able to install a new roof due to the colder weather.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX accounts have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Thank you.
Product: Consumer Loan

I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from HSN stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Product: Mortgage

I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.