23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in the mail from brother loan and finance company stating that I owed money on a debt and that if I didnt make a payment a payment arrangement within in the next 5 days from the letter dated XX/XX/XXXX that they would forward the account to their collection attorney. I called brother loan and finance when I received the letter asking for information on debt due to having no recollection of the loan. They asked for the last 4 of my social in order to pull up my account which at first I was hesitate due to recent scams. I gave it to them anyway and the representative said that the loan was from a long time ago. I asked if they could send me information on the loan and she said she would. I never received verification on the debt so I believed it to be a scam. Then 3 months later I receive a debt collection notice stating I am being sued for {$4300.00} With this letter from their attorney it stated I had a week to get back in contact with him to either make arrangements or set up payment arrangements. His letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. Then on XX/XX/XXXX I receive a summons stating that I am being sued for {$4600.00}. The attorney had already filed the suit on XX/XX/XXXX which is 5 days after he typed up a letter. I live in another state so I did not get this information as quickly as I might have living in the state of Illinois. States that the charge off amount was {$440.00} so how is it now {$4600.00}? I feel this is a scam and the amount they are requesting is obscured.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called XXXX and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. XXXX, XXXX, XXXX, XXXX XXXX XXXX, LexisNexis, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On my bank account I have {$940.00} from a resource that I absolutely know nothing about sir-mam ; why
Product: Vehicle loan or lease

An account was opened with Reliable Credit inXX/XX/2016 The auto loan was for a XXXX XXXX XXXX, we put XXXX dollars down. We never went more than 30 days late, when we called to discuss the payments for some help due to financial hardships the company was not willing to work with either of us on the loan to set something up. I called and talked to the supervisor on different occasions and they refused to work something out.The only option was to pay over 2000 dollars instead of the monthly payment or have the car repossessed, clearly we were having financial hardships and this was unrealistic. We made the monthly payments from XX/XX/XXXX until XX/XX/XXXX, before we ran into financial hardships that made it difficult to make one payment. We could not afford the XXXX dollar payment they wanted us to pay instead of the past due 30 day late payment and the car was repossessed.The car was sold and we are told we still owe XXXX dollars on a car that only cost XXXX dollars. After the car was repossessed we called to try and work something out, instead the car was sold and the company still is trying to charge us for a higher amount the what the car was worth. Shortly after I was XXXX to XXXX and my family had to relocate to a different state. We have since contacted the company to still try and figure out a repayment plan and they told me there is nothing they can do for me not to call them call the debt collector.The negative remarks have been severely impacting our credit scores in a negative way.
Product: Mortgage

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I received a correspondence from Linebarger Goggan Blair & Sampson , LLP, indicating my vehicle was in " numerous '' XXXX. This matter was allegedly forward to the referenced firm for collections after no response was received. I never received any correspondence from XXXX XXXX XXXX XXXX XXXX regarding violations ; therefore, I can not be in violation of no response. The correspondence from " Attorneys Office '' threatens fines and additional fees if I did not pay an amount of {$79.00}. In response, I sent a letter dated XXXX XXXX, XXXX, disputing the alleged debt. Letter was delivered XXXX XXXX, XXXX, per USPS tracking XXXX. No response has been received from this alleged collection company/law firm. I want proof of this violation, proof the original letter was sent to me, an accounting of the violation fees and costs, and proof Linebarger is licensed to collect a debt in XXXX. This letter is harassing and full of lies. When you search this " firm '' online, all that is found is complaints everywhere. I do n't even recall ever driving on any tolls in XXXX. I want the CFPB to investigate the shady and false collection tactics that are going on here. I want a response from the this " firm, '' and I want justice for the stress that this matter has caused my family and I. Thank you.
Product: Mortgage

Subject : Fraudulent Mortgage Origination-Non existent Lender not registered in PA or  any other state and not registered as a Lender in New York. 



Dear Sir, I have recently come across information that I have been paying on a mortgage and note funded by a nonexistent entity since XX/XX/XXXX. 

America 's Wholesale Lender, was never registered or licensed in Pennsylvania or any other state for that matter. It is recorded on my note as being a corporation registered with the state of New York., it is not nor has it ever been. The lender is not a real entity and has no employees. My note was " sold ' to Bank of America in XXXX, with the note endorsed in blank signed by a representative of Countywide, dba America 's Wholesale Lender. Nowhere on the original note appears Countrywide Home Loans or any other Countrywide reference. 

I am XXXX XXXX XXXX, since XX/XX/XXXX. 

Recently and occurring now my Servicing Company, XXXX XXXX XXXX has sent me Act 91 documents threatening foreclosure. They say I have missed 3 consecutive months of payments, not true. My mortgage payments have always been 100 % current and on time. This 30 day late mark has dropped my credit rating 87 points, XXXX refuses to remove the mark and restore my former credit score of XXXX. I have bank records showing the payments directly wired from my bank account to XXXX XXXX XXXX XXXX bank account using the Bill Pay feature, that I was advised to use by XXXX XXXX XXXX personnel. XXXX XXXX XXXX has my bank statements, yet still send me foreclose letters. The only way in the past I can get any thing correct with XXXX, is to go through XXXX Ombudsman Department. For the current situation I have had no success with resolution over the incorrect missed or late payments. I would also like XXXX XXXX XXXX to prove to me the original mortgage documents are not fraudulent and the debt is valid, the stated lender is a nonentity, not licensed and not registered. I'm afraid to do so, worried XXXX will retaliate by initiating a court case against me. I have no money for representation in court and fear I would lose my home. My home was purchased by my Grandparents on XX/XX/XXXX, it has always been home. I suffer from XXXX XXXX XXXX, XXXX and XXXX XXXX being under constant professional care since XX/XX/XXXX. The current situation is causing great XXXX XXXX and worsening my XXXX XXXX. I am exhausted from explaining to XXXX representatives the situation everytime I call them. When they do pull up my account information, there are no records of my calls, just records of the letters they have sent me. I can't continue to maintain semi healthy living with this threat and worry on my shoulders. Anything you can do for me personally will be greatly appreciated, I need permanent relief from this situation with XXXX that is causing me physical, mental and financial injury. Please send me some kind of status report on what is being done on my behalf. 

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

I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XXXX but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX funding is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

XXXX. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had verizon and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

XXXX. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX Colorado XXXX, CO XXXX, and XXXX names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.
Product: Credit card

I initiated a balance transfer with a Barclays agent. The agent read the credit card number back to me and it was correct. However, after weeks of the transfer not reflecting on the card that I transferred the balance from, I called Barclays and they admitted that the account number they sent to was one digit off. They opened a case and said they needed to investigate. Its been weeks and I still have the balance in my original card, now I also have it on my Barclays card and Im paying interest on it in both places. Ive made multiple phone calls and agents say that the case is still pending.
Product: Debt collection

I have previously submitted a complaint with this company, they have stated they would delete the trade line, and they still have not done so, on XX/XX/2019, I have paid the original creditor, XXXX XXXX in XXXX PA, the amount of {$20.00}, since this has been paid, and the trade line was not deleted or updated in any way, I do believe Quality Asset Recovery LLC is attempting to commit fraud, and I will also be filing a complaint with the Pennsylvania State Attorney Generals office, as well as pursuing criminal and civil charges against the company
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Hello There, I tried reaching out to XXXX regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, XXXX placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time XXXX did not reach out to me regarding my account they continued to let the days accumulate. XXXX has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. XXXX continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I visited the LexisNexis website to request my annual consumer report. I followed all necessary steps, including completing their questionnaire and uploading the requested identification documents. 
On XX/XX/year>, I received a response from LexisNexis dated XX/XX/year>, stating they were " unable to process requests '' because they could not identify me. This response is puzzling and frustrating, as I provided all requested documentation to verify my identity. 
I believe this action by LexisNexis is a deliberate stall tactic and constitutes a violation of 15 U.S. Code 1681j ( a ), which mandates that consumers are entitled to one free annual consumer report from each consumer reporting agency upon request. If LexisNexus needs any additional documents from me other than what I already provided I will be happy to provide and submit those documents. If LexisNexus continues to ask me for the same documents over and over again and stall me I will hold LexisNexus accountable for violating my rights.

I request that the CFPB investigate this matter and take appropriate action to ensure LexisNexis complies with the FCRA and provides me with the consumer report I am entitled to receive.
Product: Debt collection

XXXX, Wells Fargo and XXXX were all harassing me while making the minimal payment. I found a company that said they could consolidate my debt and after paying them off I would be in the clear. I paid off the consolidation company back in XXXX  and I am still receiving correspondence claiming that I still owe money.
Product: Mortgage

I have requested a goodwill adjustment from my mortgage company so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the periods : XX/XX/XXXX and XX/XX/XXXX. I have sent letters and faxes all on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each letter, the response from the mortgage company has been " they will get back to me shortly ''. But I never receive a follow-up from anyone at the mortgage company which is why I continue to send a letter and a fax each month. 

I have been in good standing and making my mortgage payments on time since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( Equifax, XXXX, XXXX ) that this happened and have gotten no help so please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Citicards CBNA, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

This is a debt for a vehicle of mine that was repossessed around XXXX, the car was then sold by the company and there was a balance not the amount they are saying it is for, and that balance was paid through a representative over the phone. Fast forward to XX/XX/XXXX I out of nowwhere received an email from my employer about a garnishment for an obscene amount. I contacted the attorney for the debt collection and requested to dispute this garnishment/collection and they stated they would send out documents to get this disputed, XXXX weeks from then I have yet to receive those documents and I called and they are saying they don't know when it will be sent out, but there is a note on the account. Meanwhile I am get over XXXX XXXX dollars taken out of my salary illegally while they give me the run around on sending what I need to get this disputed. Its just crazy when things are already bad. Not to mention this debt is over over XXXX XXXX XXXX.
Product: Student loan

The lender is claiming that I did not pick a fixed rate and when asked to provide signed documentation they can not do so. I have called a variety of times and they tell me there is nothing they can do for me. My payment is currently {$1200.00} and that is more than my mortgage payment and is causing me to struggle with other bills along with causing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.