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

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Product: Debt collection

Today XX/XX/year> around XXXX a young woman driving a personal vehicle ( XXXX XXXX XXXX ) knocked on my door for few minutes and went to the second house to keep looking for myself, she asked for me ( XXXX XXXX ) and she told my wife that she is here to served me from court on behalf of XXXX XXXX. She stated. 
At this point Im not having a good life style thanks to this company trying to scare me or threatening me. Im actually going to see a therapist because of their actions. What they are doing it is not legal and it goes against my rights. They need to stop doing this threats against me and now taking it to court its not helping my mental health situation. Im not functioning well at work and home due to this stress situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX ( XXXX ) Late payment that shows from XXXX of XX/XX/XXXX. XXXX XXXX- ( XXXX ) XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX, I have attempted to get in contact with a physical person for a week and a half, which includes me emailing and calling. I have left my number for a call back from MOHELA and have stayed on hold for XXXX hours only to not successfully get in contact with any representative. Your recorded system disconnects call and provides no direct access to a live representative. At this point, MOHELA has failed to provide any type of customer service and has failed to successfully provide its due diligence and responsibility to provide service to its clients. MOHELA has been negligent. Your pre-recorded messages indicate that NO ACTION is needed and monthly dues will not be taken from accounts for XXXX plans, including the transition to a forbearance. I have been in a processing administrative forbearance once again due to MOHELA 's negligence to provide any sort of responsive service to its clients. There is no ability to get in contact with MOHELA for problems. I have been advised by multiple MOHELA representatives in the past that my account will remain in forbearance and no monthly fee will be collected. Your recordings indicate this as well. However, MOHELA fraudulently took a monthly amount from my bank account without my authorization today. I've tried to get in contact with MOHELA for a week about this charge, due to the account being in forbearance which legally means you can not deduct anything without my authorization. I want MOHELA to immediately remedy this issue. I will also be lodging a complaint for MOHELA 's negligence.
Product: Debt collection

I have XXXX XXXX who informs me when I have a negative mark on my credit. A collection agency I believe it is Central Portifolio Cont with sending me anything to dispute this debt has shown up on my credit as an unpaid bill. By law the are required by law to send you written notification on a debt which in this case they did not. Which you then are allowed to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts made to correct credit report has failed.
Product: Student loan

I have not received an accurate pay-off figure in writing for the debt I am being asked to pay. I have received a total balance demand with no supporting evidence of amount applied from Social Security garnishment or tax rebate applied, which was also garnished. 
Enclosed is all the information I have received. XXXX no longer has my account available on their website. I want to receive information in writing from FH Cann or the US Dept of Education. 

I sent a formal request for information using the sample letter provided from this web site on XX/XX/XXXX. I also asked in writing to receive all correspondence through the mail.
Product: Payday loan, title loan, or personal loan

i established the unsecured loan in XX/XX/2019 and had been making on time payments each month even with the covid out brake i began to look closer at the account because i noticed the principal balance was not moving none at all i even made some double up payments to the creditor i did get a couple extensions in the covid maybe 3 total along with applying for a loan modification because the principal wasn't becoming lower i went on line a couple months ago to see that my interest was 35 % online on the payment portal and for public records it was 9 % on credit karma and 24 % on another visual site so i continued to send them information that was requested which i have proof of that was to be for the approval for the loan modification well i finally read up on the whats happening and they qualify for the term predatory lenders the rules are that the interest on any account can not go past 10-15 % on top of the principal 35 % is trying to financially depress the customer and is a violation of law i have proof of every payment i made with them and totalling i should be 1/2 done with out the last 90 days and with i would be 52 % complete, if you where to check my credit right now the amount is still over XXXX dollars like i've never made one payment and its only been 3 payments since the last one i stopped because of covid and EDD couldn't keep up with issuing everyone 's benefits so they would be like 3-4 months behind i would sit here with no money and they where not willing to process my modification for lower interest so i'm going to begin the legal process to have this loan removed from my name or rocketloans can put my payments at 9 % interest like it says on public record and re allocate the proper amounts and remove those 3or 4 unlawful late remarks off my credit due to the fact that the federal government said while covid is happening creditors where not allowed to put bad marks on consumers credit yet they did it anyway so i need federal help resolving this dispute please help bccaise out here in california they are trying really hard to ruin me and my name and my credit and what ever else they can get there little hands on and that speaks for the community
Product: Debt collection

Associated Credit Services claims i owe a debt to XXXX XXXX of {$190.00}, I do not owe.
Product: Mortgage

Dovenmuehle Mortagage, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Il XXXX. On XX/XX/20, I called this company to make a principal payment on our mortgage loan. I was instructed to put in writing a letter requesting to recast the mortgage, attn : special loans number ( our loan # ). On XX/XX/20. the " research '' dept. acknowledged my request. I have called the company on XX/XX/20 and XX/XX/20 requesting the status of determination to my request. I was told, I couldn't talk to anyone, because they didn't even know the name of the person handling my request because their staff was working from home. They also informed me my loan was being sold to another company XX/XX/20. It has been over a month, no written response, no accountability, no customer service, the response being a non- response. What business operates in such a wreck-less, evasive, secretive manner. I turned to the XXXX-IL, there are 208 complaints re : Dovenmuehle, so that tells me this company is not operating above board in an efficient, responsible manner, with very disturbing customer relations. I want my request in writing pronto. All they have to do is plug in some numbers, then instruct me where/what department to send my check. Why, is this so hard? This company was assigned to us, by another mortgage company, we didn't chose them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST Portfolio Recovery Associates shall remove the listed fraudulent and misleading account below from my consumer report. Reporting this account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe Portfolio Recovery Associates. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to Portfolio Recovery Associates. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX,2025 and you can also violate 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access my free annual credit report and Trans-union refused to provide me with my free Annual Credit Report online.
Product: Credit reporting or other personal consumer reports

Dear Covington Credit, I am ONCE AGAIN disputing the accuracy of the accounts you are reporting to the credit reporting agencies. The information provided is inconsistent, missing key details, and contains inaccurate payment history. 

In your response to my previous complaint, you stated that the information was verified. I request that you explain how this verification was conducted and provide supporting documentationmere hearsay will not suffice. You also mentioned the business operates under the name " Structured Settlement, '' which, upon investigation, also has no valid presence. 

To avoid further legal action, I demand the immediate removal of these accounts from my credit report. It is unacceptable that I must track down a company that lacks credibility. I am keeping a clear paper trail of our communication. My credit report is attached which is highlighted and I've even included text because there seems to be some incompetence as to why the account is inaccurate. I hope this helps.
Product: Checking or savings account

On XXXX XXXX, 2017, US Bank closed my bank account with no notice to me whatsoever, via email, phone or mail. I only discovered it when I went in to check balance. When I called, I was treated extremely rudely, then told that I needed to go see the bank manager in person. Unfortunately, my nearest US bank is hundreds of miles away. They told me they would not help me speak to anyone further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that Barclay Bank Deleware forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. Barclays Bank DE responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that Barclays Bank DE, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. 

On XX/XX/XXXX, I also requested that XXXX XXXX Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-CXXXX XXXX XXXX Bank Charged-Off account numbers XXXX and XXXX in XXXX. XXXX XXXX Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being given.
Product: Checking or savings account

I am resubmitting this complaint as Chase is referencing the incorrect transaction. I clearly stated in my original complaint that the transaction took place on XX/XX/XXXX, not XX/XX/XXXX as is stated in their response ( attached ). They have purposely withheld funds and mislead the CFPB. Here is my original complaint : " On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00} ''
Product: Credit card

I am writing to dispute the delinquency reported by Synchrony Bank to my XXXX. A hacker charged {$7000.00} in merchandise to a Belk credit card issued to me. Belks bank, Synchrony, charged me {$1900.00} of the loss. After I refused to pay for these charges because I had not bought any items on my account, they created a new credit card in my name without my permission, added the debt to that new credit account, and then went after my credit report. I had no access to the newly created account. This represents an attempt by Synchrony Bank to extort money from me by threatening to ruin my credit rating. Furthermore, the amount in the account grows each month as they charge fees and interest. As of XX/XX/2023 the amount billed has increased to {$2300.00}. Synchrony is weaponizing my credit report by attacking my credit rating. They never showed me how they came up with the {$1900.00} amount in the first place. I am not resposiible for the hack ; none othe purchases were mine.
Product: Credit reporting

I froze my Transunion credit in 2014. Today I discovered that Transunion charged my credit card {$19.00}. When I called to find out why they said " do you remember opening an account and requesting a credit report in the last seven days? '' I said " no ''. They said " well someone opened an account with your SSN and requested a credit report ''. I said " how is this possible, my credit is frozen? Please verify that my credit is frozen! '' They responded that " yes your credit is frozen ''. At this point my brain is exploding. I ca n't even believe the conversation is real.
Product: Vehicle loan or lease

I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally.