23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAD A COLLECTIONS ACCOUNT POP UP ON MY CREDIT REPORT FROM NATIONAL RECOVERY AGENCY IN XX/XX/. I INITIALLY CALLED THEM PRIOR TO THIS WHEN I RECEIVED A LETTER FROM THEM TO ASK WHAT IT WAS THEY STATED IT WAS A UTILITY BILL FROM XXXX XXXX IN NEW YORK. I TOLD THE REPRESENTATIVE I DID NOT LIVE IN NEW YORK AND WANTED TO DISPUTE THE DEBT, SHE STATED SHE WOULD NOTATE IT AND IF NOT WOULD REPORT TO THE CREDIT BUREAUS. I DIDNT HEAR ANYTHING BACK FROM THEM AND ALSO DISPUTED ON MY OWN WITH XXXX . I ALSO CALLED XXXX XXXX ASKING FOR A DEBT VALIDATION LETTER THAT I DIDNT RECEIVE THEY STATED SINCE THE ACCOUNT WAS IN COLLECTIONS I WOULD NEED TO DEAL WITH THE COLLECTION AGENCY. I CALLED NATIONAL RECOVERY AGENCY AGAIN AFTER THEY KEPT TEXTING ME WHICH I NEVER AGREED TO, I TOLD THEM NOT TO TEXT ME BECAUSE THIS WAS A SERIOUS MATTER NOT A TEXTING MATTER AND THEY KEPT TEXTING ME AND NEVER SENT ME A PAPER BILL AGAIN NOR DID THEY CALL ME. WHEN I CALLED AND SPOKE TO THE REPRESENTATIVE I TOLD THEM I HAD PREVIOUSLY DISPUTED THIS SHE SAID THERE WAS NO RECORD OF A DISPUTE WHICH I DIDNT UNDERSTAND AT ALL BECAUSE I EVEN DISPUTED TIS MYSELF WITH XXXX . SHE STATED SHE WOULD TEXT ME WITH THE PROCESS ON HOW TO DISPUTE. AGAIN TEXT ME??? AFTER I REPEATEDLY TOLD THEM NOT TO TEXT ME ITS INAPPROPRIATE. I THEN RECEIVED A TEXT WITH A SETTLEMENT OFFER NOT ONCE BUT TWICE AND THEY NEVER SEND ME A TEXT ON HOW TO DISPUTE THIS THEY SENT ME A SETTLEMENT OFFER. THEY ALSO NEVER SENT ME THE DEBT VALIDATION LETTER THAT I HAD REQUESTED FROM THEM.I SUBMITTED A COMPLAINT WITH THE XXXX  BECAUSE THIS ISNT A DBT IM RESPONSIBLE FOR. I NEVER HAD A CONTRACT WITH XXXX XXXX, I HAVENT LIVED AT THE NEW YORK ADDRESS IN TWO YEARS, I NEVER RECEIVED A DEBT VALIDATION LETTER, AND WHEN I LIVED IN NEW YORK THE LANDLORD SPLIT THE METER BETWEEN ME AND TWO OTHER TENANTS THAT WERE LIVING THERE. ALSO, I WAS ON TEMPORARY ASSISTANCE AND I HAVE PROOF DSS PAID XXXX XXXX DIRECTLY FOR YEARS BASED ON MY INCOME. WHEN I SUBMITTED THE XXXX  COMPLAINT THEY REPLIED BACK I DIDNT GIVE CONSENT TO REPLY ON A PUBLIC FORUM WHICH I DID WHICH IS WHY I SUBMITTED THE COMPLAINT. I NEVR HAD A CONTRACT WITH XXXX  XXXX  OR NATIONAL RECOVERY AGENCY. THEY ARE STALLING AND RUINING MY CREDIT!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Access and Use of Personal Information Through recent correspondence dated XXXX, LexisNexis stated that they accessed my bankruptcy information from PACER. 
I did not authorize LexisNexis to access, collect, or share my personal information, including bankruptcy records. Under the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), access to a consumer 's credit information requires a permissible purpose. Their actions constitute a violation of my rights if they are unable to demonstrate a lawful reason for accessing or distributing my information. 

Additionally, the accuracy and completeness of the reported bankruptcy information must comply with 1681e ( b ) of the FCRA. If the information is outdated, inaccurate, or unverifiable, it must be removed immediately. 

The bankruptcy in question has been inaccurately reported by LexisNexis to the major credit bureaus by the following : Missing or incorrect discharge details and filing dates. 
Failure to ensure the maximum possible accuracy of the information ( 1681e ( b ) ). 
Failure to mark the bankruptcy as " disputed '' when I filed a dispute ( 1681c ( f ) ). 
Dissemination of unverifiable or incomplete data to the credit bureaus ( 1681i ( a ) ( 5 ) ). 

Despite my formal dispute, LexisNexis failed to conduct a reasonable reinvestigation and continues to allow incomplete information to persist across the credit bureaus. This has resulted in significant damage to my credit profile, including higher interest rates and difficulties obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize the hard inquiries.
Product: Credit card

I recently refinanced my home. I received checks dated XX/XX/XXXX to pay off creditors and mailed them immediately. XXXX of the creditors was Barclays Bank. Check # XXXX {$2800.00}. I included my account information on the front of the check. After approximately XXXX weeks the payment had not posted to my account. I notified XXXX XXXX XXXX to find out what needs to happen. XXXX sent out a replacement check to Barclays and voided the first XXXX. This I was unaware of until being contacted by XXXX. Barclays cashed both checks and applied only XXXX check ( the voided check ) to my account. I filed a fraud case with Barclays on XX/XX/XXXX. On XX/XX/XXXX I received and email that my fraud case had been resolved and closed. I contacted Barclays at the same time looking at my account. They reversed the voided check from my account. This has put my account over the limit. XXXX on my credit. I asked if Barclays had found the replacement check. They have not. So why was my fraud case closed? I demanded they reopen the fraud case on XX/XX/XXXX to find the other check.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report. 
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
Product: Mortgage

On XX/XX/XXXX, I spoke with Roundpoint Mortgage Servicing llc 's customer service. I explained to them that we XXXX XXXX XXXXXXXX  that need to be in the XXXXXXXX XXXX and I missed the XXXX payment by 5 days. I have never been late in 30 years on any payment, but we had a baby in the hospital. I paid the amount due and asked if they could remove the late payment fee of {$85.00}. The lady stated we don't usually but we can do it this time. I then called today, XX/XX/XXXX and the gentlemen on the phone stated that he can not do it, it was the company 's fault that my XXXX XXXX XXXX XXXX XXXX. I asked to speak to a supervisor, he said no one was available. He put me on hold and said his supervisor said he could do nothing for me. I stated, I had a XXXX XXXX XXXX XXXX  and your saying that its not your problem that is inconsiderate and unprofessional. His superior 's name was XXXX XXXX I asking the CFPB to investigate as to why the company won't credit me the {$85.00} one time and why is it having a XXXX XXXX XXXX XXXX not a serious event. We are paying our mortgage on time and have never been late. The courtesy to a customer would be warranted due to the circumstances. The major issue is that on XX/XX/XXXX they said they would credit the late fee back but the XXXX XXXX XXXX XXXX XXXX was not serious for Roundpoint Mortgage Serviving, LLC.

Informed XXXX XXXX as well as they hold the mortgage.
Product: Money transfer, virtual currency, or money service

PayPal froze my funds and would not allow me to withdrawal them. I was told I would be able to withdrawal them after XXXX  days. I was still not able to access them after the XXXX day. I called again and was told I could transfer them after XXXX hours, but I am still unable to access my funds. The balance is {$100.00}. I have called multiple times in an effort to resolve this. PayPal representatives will not provide the reason for freezing the funds.
Product: Mortgage

I filed a bankruptcy on 2017 and did not include mortgage in bankruptcy. They added attorneys fees on to my mortgage {$2000.00}. According to the creditors breakdown there were 2 checks sent total of XXXX and XXXX. I was unaware of the claim from Midland. I called and the person could not help me. I was told that payment does not have telephone and he could not them. 
I have been struggle through COVID to make my account current and this money has there this whole time.
Product: Debt collection

On XX/XX/XXXX, I received a collection letter via USPS from National Enterprise Systems attempting to collect a debt that they claim dates back to XX/XX/XXXX. I have no knowledge or records of this debt, and I believe it is time-barred. The letter acknowledges that due to the age of the account, XXXX XXXX XXXX is unable to file a suit against me. 

Despite this, National Enterprise Systems is still attempting to collect the debt. I have never received any prior communication or billing statements related to this account, and I do not owe any money to XXXX XXXX XXXX. I believe this collection attempt violates the Fair Debt Collection Practices Act ( FDCPA ) due to the misleading nature of trying to collect a time-barred debt. 

I request the CFPB investigate this matter to ensure that National Enterprise Systems ceases their collection efforts on this time-barred debt and verifies that it is not reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint requesting my BK XXXX XXXX reporting on XXXX and BK XXXX XXXX reporting to all 3 XXXX, TU and XXXX be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.
Product: Credit reporting or other personal consumer reports

This is a formal complaint made by me XXXX XXXX that you Equifax block information listed on my consumer credit file that result in identity theft and fraud pursuant to FCRA 605b ( 1681c-2 ) The fraudulent, false & inaccurate information consist of the following accounts : XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX  - account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX -account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX I have attached a copy of the Ftc Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all credit account and collection are the result of identity theft
Product: Debt collection

I have no account with them. They will not stop calling despite numerous requests to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of XXXX continues to report inaccurately. According to XXXX  XXXX, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to bring to your attention that all 3 credit reporting agencies XXXX XXXX  and Experian are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...
Product: Debt collection

Creditor, continues to change the amount of debt upping by XXXX dollar a month to hurt my credit more. Currently the balance owed keeps going up from original amount, just to continuously drop my credit score. Falsely showing I owe more than I do..
Product: Mortgage

I ACQUIRED A LOAN THROUGH XXXX XXXX XXXX XXXX. THIS LOAN WAS OF MANY TOXIC LOAN THAT XXXX XXXX WAS THE MASTERMIND OF THE LARGEST BANK FRAUD IN THE UNITED STATES WAS CONVICTED IN 2011. THIS LOAN CAME FROM THIS LINEAGE. THE LOAN WAS SET UP WITH NEGATIVE AMORTIZATION FROM THE CONCEPTIONS OF THE LOAN. THE LOAN WAS PLACED IN A TRUST THAT HAS BEEN SUED IN MANY STATES FOR MORTGAGE FRAUD. THEY ARE USING FRAUDULENT ROBO SINGED ASSIGNMENTS TO FORECLOSE ON MY HOME. I HAVE ASKED FOR THE GAP ACCOUNTING IN 2 DIFFERENT QWR, DEBT VALIDATION AND NEITHER WERE ADDRESSED. THE LOAN BALANCE IS DOUBLE WHAT THE LOAN START. XXXX XXXX XXXX IS SERVING AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX CERTIFICATES SERIES. HAS TAKEN IT LOSSES AND BEEN SUED FOR FORECLOSURE FRAUD.
Product: Student loan

I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.
Product: Credit card or prepaid card

Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX  Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXXXXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed
Product: Credit reporting or other personal consumer reports

I submitted a complaint and Tranunion investigated it. The are still reporting inaccurate information and is in direct violation of my consumer rights under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX  XXXX Inquiry from XX/XX/2021 This inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014, I entrusted this company called Clear One Advantage/XXXX   XXXX XXXX to help me consolidate payments to five creditors. I should have known something was wrong when I received paperwork with another company 's name on it. The rep insured me that their team was working with them to be able to make lower payments. I was instructed by the rep to NEVER answer the creditors phone calls to explain anything because the person calling probably would not know Clear One Advantage was working behind the scenes with the company.

My credit score was a nice XXXX and NONE of my payments were late. In fact, I had a perfect payment history with all of them. I fell on hard times and wanted to be proactive about making sure my credit score stayed intact. Clear One was receiving payments from me. 

Several months went by with me being reassured things were being taken care of ... and then I found out NOTHING was happening because this fraudulent company was WAITING for my debts to go into delinquency so they could come save the day. All the payments I sent them were just sitting, nothing going to the creditors. By the time I realized what was happening to me, it was already too late. My debts were going into charge-off status and there was nothing I could do. 

My great credit plummeted 200+ points. I suffered XXXX  and hopelessness. What did I do wrong? I had researched this company, saw good reviews, researched more - I did everything I knew to do. 
Finally, I confronted this company some months later and I was told conveniently the rep assigned to me abruptly resigned. No one helped me. They left me to rot and be among those who are subprime targets. All the years of perfect credit down the tubes.
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, TransUnion and XXXX duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with TransUnion and XXXX, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, TransUnion and XXXX refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX  ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''
Product: Credit reporting or other personal consumer reports

under the F.C.R A consumer law 15 usc 1681 a ( 2 ) exclusions- consumer report DOES NOT include transactions & experiences ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( corporation ) making the report. Meaning there should not be any late payments showing on, my credit report and must be deleted immediately such as. 

XX/XX/XXXX90-day delinquentXX/XX/XXXX 15 usc 1681 ( B ) 2 permissible purposes of a consumer report- in accordance with written instructions of consumer ( me ) to whom it relates. I did not give written instructions to any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XX/XX/XXXX ( bank ) XX/XX/XXXX 
XX/XX/XXXX ( bank ) XX/XX/XXXX
Product: Checking or savings account

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 


ATM Withdrawl - XX/XX/XXXX - {$1600.00} ATM Withdrawl - XX/XX/XXXX - {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.