23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Product: Debt collection

CCS Credit Consulting services employees are rude, impolite and they are harassing me
Product: Debt collection

This account was previously removed from all three credit bureaus due to fraud, but a new third-party creditor has acquired it from another third-party creditor stating that is was for a Navy Federal Credit Union account XXXX and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. I requested to see the original signature that I agreed to on the contract for this Navy Federal. Reference # XXXX. ACCOUNT NUMBER ENDING IN : XXXX, I also Requested to know has there been any insurance claims found on this debt? I wanted to see the chain of title that allows you to collect on this debt, and I wanted to see the chain of title that allows you to collect on this debt in the state of Georgia. The account is closed, and Navy Federal has claimed insurance on it. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX is legally entitled to collect on this account. None of this has been provided to me by neither of the third party collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit profile I did not make the charge I've asked Experian to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile
Product: Debt collection

Loan # XXXX XXXX  Opened- XX/XX/2016 at XXXX XXXX in the amount of {$3500.00} Deposit in XXXX XXXX XXXX  Reference : XXXX XXXX and XXXX XXXX  I have no idea where this account came from. Please remove from my credit report.
Product: Checking or savings account

The problem i have been having with this bank, i have asked for a full disclosure of my accounts that i had with them in 2013 the account was closed and became a charge account. I was told on the telephone that the account was settled and paid in full in XXXX of XXXX was never made aware of anything, I recently went into a branch here in XXXX XXXX XXXX XXXX fl and asked for the full disclosure of debits and credits, the banker only provided me with a statement of debits, i asked if i could get the bookkeeping entries, but i was not provided ant of the documents i requested.I believe this is very unprofessional, I was the depositor of those accounts, I have a right to know how the account was operationing, there are GAAP laws the banks are supposed to abide by in the business of banking. Could you please look into this matter please.I dont believe i was treated fairly. I never even received my original note back from the back when i first opened the account AND MY settled account paid in full..
Product: Debt collection

I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!
Product: Debt collection

I received a notice via snail mail on XX/XX/XXXX stating I had an outstanding debt and had 30 days to dispute in writing the validity of the debt or it would be considered valid. Also the original amount owed and a discounted amount of 25 % off if I paid in full with in 45 days from date of the notice which was XX/XX/XXXX dated on the letter head. The agency is Commonwealth Financial Systems they listed 2 accounts on the statement XXXX in the amount of XXXX with a discount of XXXX account XXXX with a date of service from XXXX for an emergency room visit. The other XXXX with a discounted amount of XXXX if paid in full within 45 days from the same visit. I paid the accounts in full the day I received the notice. With my credit card one a XXXX  XXXX card the other XXXX XXXX XXXX  XXXX XXXX // which I have provided transaction information below..XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX COMMONWEALTH - XXXX XXXX - XXXX , PA {$880.00} // XXXX  XXXX TRANSACTION XXXX COMMONWEALTH - XXXX XXXX  - XXXX, PA.. 
XXXX {$38.00} I had an alert on my credit score which showed these were reported on my credit on XX/XX/XXXX which is against all credit collection polices as medical bills can not be reported until 180 after debt is received. How should I go about handling this I have excellent credit always pay my bills as I did these and without the 30 day lawful time period that is aloud to dispute debt or respond to a notice of debt from a creditor. This is highly unprofessional I have been paying on a bill from that same visit which the original amount consisted of approximately1900.00 since the day I was notified in XXXX. All of my information remains the same if I received notice of that bill why I am just now receiving a debt notice for others from the same incident, same hospital, and same billing providers is another question I have?
Product: Mortgage

I have been attempting to obtain a loan modification with  Caliber Home  Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents.     Most recently a complete modification package was sent in   XXXX  2017   . On   XXXX   XXXX   , 2017, I co ntacted  Caliber Home  Loans to inquire as to the status of the modification package that had been sent.  XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a  XXXX  form in order to finish the review for my loan modification. When I advised  XXXX  that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days  from that date. ( Foreclosure sale was set for   XXXX   XXXX   , 2017 ).  He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point.     As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is  XXXX   XXXX  , 2017.      I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven  days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home.     I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so   Caliber   would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX
Product: Debt collection

I noticed this on my credit and this was paid off through the company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I have attached to this complaint. Even if I still owed XXXX it would have been XXXX payments under {$100.00} each not the {$310.00} they are posting on my credit report.
Product: Debt collection

I have made attempts to communicate with the debt collectors but they can never answer my questions or concerns about the account. I'm already making payments and this is the second time they have attempted to sue me after setting up pay ment arrangements an currently making payments on time. The person who served court papers left documents on front porch. When attempting to contact them they would not answer questions just kept saying I was contacting wrong department. When they call to collectors call they would let it ring once an hang up.One account is 15 years old.the reason for default on account was due to COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was going over my credit profile a few days ago and noticed a couple of unauthorized inquiries on my credit profile
Product: Vehicle loan or lease

My auto was finance with Exeter Finance and I refinance my loan and then paid it off from the finance company.. I purchased the XXXX warranty with XXXX and cancel my coverage therefore it was an overage in the amount of {$2500.00}. I can several times to Exteter finance and was informed that the check was sent out on XX/XX/XXXX. I reached out to Exeter Finance several times and they stated the same thing! My last call was XX/XX/XXXX and they stated that it wasn't approved until XX/XX/XXXX and the check was not sent out! I received a call from a supervisor from Exeter and he stated the check would be sent out overnight Monday XXXX and ask for my XXXX account number and would receive my check Tuesday XX/XX/XXXX. I called several times on XX/XX/XXXX and they stated its still processing.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX  - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME AM XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

In early 2024, I filed a dispute with Experian regarding a negative mark on my credit report. They initially informed me that the account would update to a positive status by XX/XX/year>. After following up in XXXX, they revised the date to XX/XX/year>. Now, after contacting them again in XXXX, I have been told the update will not happen until XX/XX/year>. 

This constant change in the timeline is unacceptable, and Experian has failed to provide any concrete resolution despite their commitments. The negative mark is continuing to affect my credit score and financial situation. I am requesting the CFPB 's assistance in ensuring Experian follows through on their promise and either clears the negative mark immediately or provides a reliable and fixed date for resolution.
Product: Debt collection

COLLECTION, CHARGE/OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. 
COLLECTIONS MEANING THAT THERE SHOULDN'T BE REPORTING ACCOUNT OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against These Agencies regarding a late payment on my credit card account. The following accounts are listed below XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX 
Account number : XXXX Late Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe. 

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX