23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe I'm being defrauded of my property. Telephonic attempts have been denied and a late fee was added immediately upon their loan takeover even though their lack of preparedness caused them to be unable to take a payment because they could not find my account. They've denied me a loan modification telephonically. So I am now restricting communications to written communication. I believe they are a predatory company fully intent on defrauding me of my property. I don't make this accusation lightly, but based on their actions.
Product: Debt collection

Have not received enough information to verify the following debt. I was never contacted or received any letters by the original creditor listed that a closing balance existed. I have paid all balances with the original creditor per notice.HELVEY AND ASSOCIATES have placed a collection on my profile for the amount of XXXXI have attempted to resolve this issue multiple times with this company. This inaccurate reporting has interfered with my ability to get approved for certain financial products such as car loans.
Product: Debt collection

First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EQUIFAX FILE NUMBER RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate information after being put on notice of errors they continue to violate federal law. They are being non compliant which violates 15 usc 1681e. All CRA 's use the same system and the others have removed these fraudulent accounts.
Product: Mortgage

To : XXXX XXXX XXXX ( XXXX ) From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother died from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting

XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.
Product: Mortgage

In XX/XX/XXXX, my mortgage was sold to PennyMac from XXXX XXXX XXXX. Prior to being sold, XXXX had us on biweekly payments that we paid close to {$1100.00} every 2 weeks. Because there is typically a 3rd payment week in a 5 week month, that payment was used by XXXX to put directly towards principal payments. We were unaware of that, however PennyMac worked with us to work with XXXX to have all of the payments credited properly to where we were not considered missing a payment for XX/XX/XXXX when our loan was transferred. 

However, while we were in that months long discussion and changes from XX/XX/XXXX until XX/XX/XXXX, we were making payments under the assumption that we would be caught up once the discussions and decisions were made. As of XX/XX/XXXX, once the account was recredited properly, we only owed {$530.00}. We made that payment on XX/XX/XXXX. We were under the impression that once we caught up, we would be able to sign up for automatic payments but for some reason, our account has a flag on it as that we are more than 30 days late however the account was credited incorrectly in the first place, therefore we are unable to sign up for autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my PayPal account was charged XXXX Euros for a friends and family payment that I did not authorize. The amount after fees was XXXX euros. I opened up a problem ticket to report the fraud. The case number was XXXX. They closed the ticket as being not covered under their Purchase Protection Plan, as it was not a purchase.
Product: Mortgage

The details are covered in CFPB complaint # XXXX I did get a response to the complaint from NewRez, but it is incomplete and inaccurate : 1. The Town taxes listed on the NewRez web portal show {$3200.00} payment due on XX/XX/2020 and {$3200.00} payment due on XX/XX/2020. These are incorrect for the property in XXXX, MA. These are actually the tax values for my property in XXXX, MA. So the tax information is still incorrect and needs to be updated by NewRez 2. The Insurance information supplied by NewRez is for my property in XXXX, MA and it clearly states this in the information that was sent in response to my complaint. The policy premium listed in the Doc and on the NewRez portal ( {$1300.00} ) is for the XXXX property. XXXX XXXX has the policy and loan information correct for both the XXXX and XXXX properties. NewRez needs to update their incorrect information. 

3. I have not received a response to my request for a root cause of the initial problem with the incorrect property address in the NewRez system. And I did not get a response to my request for compensation for the time that I have had to take to resolve all of NewRez 's problem servicing my loan. 

4. I have now left 2 voicemail messages with XXXX XXXX ( listed as the Compliance Department contact ) - with no response.
Product: Credit reporting or other personal consumer reports

I do not typically carry a balance on this store card. However, In XXXX, XXXX, I did place a charge for what I recall was {$25.00}. The payment was due on XXXX/XXXX/XXXX and was considered late after XX/XX/XXXX. My mother was XXXX and I become distracted and paid {$25.00} on XX/XX/XXXX - the amount that I thought satisfied the full balance. The minimum payment amount was {$25.00} for that billing cycle and I thought that I had paid it in full. My mother passed on XX/XX/XXXX and on XX/XX/XXXX Kohls contacted me to let me know that a XXXX payment was due in the amount of $ XXXX dollars. I can not recall the exact amount and the company will not give me access to my e-statements at this time. I explained that I did not believe that I had a balance due with them and they explained that there was a late fee because of the XXXX payment. This did not make sense to me. Nevertheless, they readily removed the late fee and my balance was {$8.00} - the remainig balance from my XXXX purchase. I paid that on XX/XX/XXXX and the balance was {$0.00}. Never were my payments 30 days late and my credit report states otherwise. I want a restoration of my hard earned credit and perfect credit rating - especially since they reversed the late fee.
Product: Debt collection

On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. 

Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. 

I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. 
Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. 
Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. 
Damages continue to mount against me
Product: Credit reporting or other personal consumer reports

ANY AND ALL INACCURATE should be removed immediately. 

12 CFR 1002.2 This issue started in XXXX. 
CHARGEOFF 's ( should not be showing ), 3rd party/sold accounts, DEROGATORY payments with- 30days, 60days, 90days gabs after update of accounts ( SEE ATTACHED dates have time gaps/does not match up ) etc inaccurate ; showing on credit report, student loans, INACCURATE since XXXX. 
7 CFR 1782.3 What happens after a charge-off is declared?

After a charge-off is declared a creditor will often transfer the debt to another party such as a collection agency, which will then try to collect from you. The term write-off is also used in connection with a debt settlement. A settlement occurs when you negotiate to pay only a portion of the total amount due on a seriously delinquent debt. 

Fair Credit Reporting-4.3.9.2 Problems in the Reporting of Charged-Off, Transferred, and Closed Accounts 16 CFR Part 680 : Affiliate Marketing Rule What is the 7 year rule for student loans?

Typically, a defaulted debt, including student loan debt, will be taken off your credit report 7 years from the date of the first missed payment. This debt was resold in XXXX, multiple times. Why is still on the report? And how many times have I had to file for removal, over 12 times.

There are really old charge offs still showing since XXXX.
Product: Debt collection

on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with Penny Mac ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. 

I believe this adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and someone stole and used my North Dakota driver 's license XXXX and social security card to apply for a XXXX credit card account. Whoever the individual is, that stole my personal information impersonating me, they applied for a XXXX credit card account fraudulently using my personal information. The following XXXX credit card account : XXXX is fraudulent and unauthorized. The account do not belong to me. I did not apply for a XXXX credit card account. The fraudulent XXXX credit card account is listed on my XXXX XXXX, XXXX and Experian credit report.
Product: Credit reporting or other personal consumer reports

Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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 XXXXXX/XX/XXXX Accounts That do not belong to me that need to be deleted that are identity theft. 


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 or other personal consumer reports

AMERASSIST AR SOLUTION is the company I contacted by mail, making several attempt & have not been contacted back. I need this deleted from my credit report because this is not mine & the company mentioned above failed to provide me with information I requested.
Product: Vehicle loan or lease

I had a GM Financial Loan since XXXX XXXX  XXXX. I paid off the loan in the beginning of XXXX. Their app was messed up and gave me an inaccruate payoff amount which included an OVERPAYMENT of approximately {$18000.00}. I paid the " PAYOFF AMOUNT '' Which was {$17.00}, XXXX, then the following morning it showed a new " PAYOFF AMOUNT '' of ~ {$200.00}, which I paid. The loan has been paid AND there is a credit balance with a refund due to me of approx {$18000.00}. 

GM Financial is refusing to release the title.

I have already traded the vehicle to a GM Dealer who is now unable to sell the car because GM Financial is refusing to issue me the title to the vehicle I have paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my leased vehicle and purchased a new vehicle with the same dealership, XXXX, in XXXX of 2019. The sales and finance departments both told me at the time of purchase and financing that my final car payment on my lease is not to worry about, they will roll it into my new financing since I purchased a car with them. I've been paying my new car loan on time with zero problems. 

I never received any bills, calls, or anything in regards to a balance. But they decided without communication to put a balance in collections. 

Why would I pay my lease for years, on time, buy a car from them near the end of the previous lease, then decide not to pay? 

Now, they will not remove what they put on my credit report. I have been hit twice, knocking my score approximately XXXX points now, for a balance I do not owe. 

The last dispute I sent in, they finally wrote me a letter asking for documentation. I sent them a letter back explaining what happened in 2019. No other communication was made, they ignored my letter, and hit my credit score again a few days ago. 

I do not have a balance and this is actively harming my finances.
Product: Debt collection

On XX/XX/2018, I was contacted via phone from a representative claiming he was from the Law Offices of Robert A. Schueger Co., LPA, stating he was representing the Ohio Attorney General and they were hired by XXXX XXXX University regarding a Student Loan Debt. He went to state they were preparing a lawsuit against me and were going to do a search for assets. 

I explained that XXXX XXXX had already been receiving money and I had several Debt Collection Agencies contacting me trying to collect on the same debt. I also explained there were no longer any assets to seize and I asked for a Letter of Representation for my records. 

A week or so later, I received a letter from the Law Offices of Robert A. Schuerger Co. , LPA stating they were appointed by the Ohio Attorney General that demanded an amount of {$4500.00} on behalf of XXXX XXXX University. A few days later I also received another letter from yet another Debt Collection Agency demanding {$12.00}, XXXX also on behalf of XXXX XXXX and the fraudulent US. Department of Education. A separate complaint against them will also be filed. 

On XX/XX/2018, I called the Law Offices of Robert A. Schueger and spoke with a secretary named, XXXX. I explained the reason for my call was to ask for proof of the debt since I had also had money taken from other agencies on behalf of XXXX XXXX and I was continuously getting letters and threats from several agencies. 

XXXX became defensive and started arguing that I could look up their law office on XXXX so I stopped her by stating it was my right by law for them to send proof of the debt and that was all that was required from her. XXXX responded by threatening litigation and then disconnecting the phone call. Reactions and threat tactics such as those are usually indicative of fraudulent and abusive debt collection practices. 

I called back and spoke with a Mr. XXXX, who politely asked if I would like to speak with a Supervisor after advising me they had several people there named XXXX. I agreed and was then transferred to a voice mail for a XXXX or XXXX XXXX. I did leave my name, contact information and reason for the call, in addition to feedback for XXXX 's unprofessional and threatening communications.
Product: Debt collection

I have paid this account. I then received notice the account was paid off when I checked my credit report. I made 8 attempts over 2 hours today to call fingerhut. Each time I entered my last 4 digits of my social, an agent answered then while talking hung up. This happened each time I called back with the 8th call ending with me speaking woth XXXX who did the ae thing. I then called Experian who told me since I disputed akd the creditor agreed to the account I need to contact XXXX. I tried to explain I did 8 times with no help. I then went to the website and reset my log in info. When I logged in, the account state Midland Funding have the account. I called XXXX and the agent told me he did not care what I paid with XXXX, but I need to pay {$940.00} which in wrong. Midland Funding stated they sent a letter on XX/XX/XXXX and I confirmed I did not received it and asked if a copy could he emailed or faxed ; the agent told me " no, if you didn't get it that's too bad ''. 

This incorrect information need to be removed from credit because its incorrect.