23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I realized on XX/XX/year>24 that there was a claim on my credit report from XXXX XXXX XXXX. I have never had XXXX insurance, so I called XXXX & opened a dispute. on XX/XX/year>24 I called XXXX to check the status of the dispute and they stated that they confirmed the claim was accurate. I called XXXX who gave me the policy information which was for a car that I have never owned, payments were made for 3 years from a bank account that is not mine, and notices were sent to an email & home address that also did not belong to me. They then told me to file a report that the policy was not mine I need to file a report here and send them a copy of the report.
Product: Student loan

In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided the credit reporting agencies Equifax and XXXX that the account XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agencies ) with XXXX XXXX XXXX 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. 
I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agencies word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. 

The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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
Product: Debt collection

I guy named XXXX XXXX said he was from lakeside recovery solutions said I owed a credit card account of XXXX but I would have to make a lump sum of XXXX or 6 payment of XXXX and had make a decision my the XXXX of XXXX or the would sue me and garnish my wages and send sheriff to serve mr papers
Product: Credit reporting or other personal consumer reports

There are accounts that were supposed to be deleted from my account as they were not mine and fraudulent from both XXXX XXXX and Equifax. Nothing has been done And they keep verifying these accounts they are not mine
Product: Mortgage

I am a prinicipal in a company that assists borrowers in obtaining low interest assumable mortgages that are FHA or VA loans. 
I have been involved in over 20 closed loan assumptions with MrCooperNationstar and all have been difficult because MrCoopers disclosures to the buyer and seller on these FHA or VA loans errantly advise them that " In order to begin the qualification process for the assumption of the loan, the loan must be current at the time of the assumption '' and " please be advised that the loan is not assumable, according to the terms of the note, if an unrelated third party is requesting to assume the note '' These statements are incorrect, wrong and misleading and in addition to violating Section 5 of the Federal Trade commission Act as the sending of these letters are " unfair and deceptive acts affecting commerce '' they are also an UDAAP by CFPB regulations and guidelines.

MrCooperNationstar will not ALLOW an applicant to apply to assume one of their serviced FHA or VA loans until they are vetted by their up front process that mandates they receive and respond to these " welcome letters '' .This violates the CFPA requirements that an " application '' exists when the lender has 6 pieces of information their licensed loan officers refuse mailed applications for credit approvals on assumptions and refer it back to their existing intake process which begins with this " welcome Letter '' .I have clients who have sent their completed URLA, authorizations copy of purchase contract, etc to licensed loan officers specializing in assumptions and have it ignored until they go through their intake process.This welcome letter is intended to dissuade people from trying to consummate an assumption.

The letters I am attaching show reference numbers from MrCooper of XXXX to XXXX and that is over just one year.The question is how many of those XXXX plus inquiries were potential assumptors or assumptees who were disssuaded from consummation of the assumption because of MrCoopers deceptive practices?
Product: Debt collection

On XX/XX/XXXX I received a forwarded email from a relative. The email was sent to my aunts personal email address. The contents of the email were specifically addressed to me and was an attempt to collect a debt from XXXX XXXXXXXX XXXX. The debt collector was XXXX XXXX XXXX working on behalf of LVNV Funding LLC and included information about the alleged last time I paid a payment on the closed account ( {$30.00} on XX/XX/XXXX ). The email also included my name, last 4 digits of my account number and the total balance that was past due {$630.00}. The email also stated that my account was in pre legal status and would be potentially referred to a law firm in my state. 
I have never used the relative that this email was originally sent to on any type of credit application as a co-applicant or reference. I have also never given any credit card company or debt collector permission to contact any third parties or relatives regarding any alleged debt owed as it violates the rights listed in the FDCPA. I plan to seek legal action but wanted to start here first.
Product: Debt collection

I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 
The account in question was opened on XX/XX/year>, and JEFFERSON CAPITAL SYSTEMS LLC is currently attempting to collect a debt. I have not signed any contract or agreement with XXXX XXXX XXXX or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ), XX/XX/XXXX XX/XX/XXXX is required to provide me with validation of the debt, which should include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement of my rights under the FDCPA, including the right to dispute the debt. 
I have not received this information. Furthermore, as this is a debt that XXXX XXXX XXXX claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.
Product: Money transfer, virtual currency, or money service

I recently sold a XXXX XXXX XXXX  for around XXXX XXXX  everything went fine with that transaction but I never took the money out of my account. I then sold a couple of XXXX XXXX XXXX XXXX for XXXX XXXX. After that payment was made Venmo suspended my account and requested information from me. Which I provided I then never heard back from them. The buyer filed a dispute on the payment. I used all the information that I shipped the products and that they were delivered. Venmo ended the dispute in my favor yet terminated my account and will not tell me why or allow me to withdraw the over XXXX XXXX  amount from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to pull my report through the annual credit report site and got this error message ( see XXXX  ) Also attempted to pull my Equifax report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).
Product: Credit reporting or other personal consumer reports

Due to an Equifax data breach, I've had more than XXXX hard credit checks to my information which lowered my credit score. More than all were credit checks I did not recognize.
Product: Mortgage

TO XX/XX/XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TEXAS XXXX ( FAX XXXX COMPLAINT REGARDING SPECIALISED LOAN SERVICING FOR INCORRECT PAYMENT COLLECTIONS REGARDING A SECOND MORTGAGE ACCOUNT XXXX The above named SLS charged off a second mortgage account in XXXX reported it to all reporting ( XXXX, XXXX and XXXX ) credit bureaus as charged off Collections However since XXXX SLS has been collecting a charge off account as an active account plus charging additional fees to a charge off mortgage account. This has adversely affected our credit scores due to the derogatory reporting. 
XX/XX/XXXX we pursued to refinance our primary mortgage that is when it was brought to our attention to explain a write off charge as reported by SLS organization. FYI we monitor our credits reports yet SLSs this incorrect reporting was not visible to from all 3 reporting ( XXXX, XXXX and XXXX ) company. 
XXXX XXXX, We contacted SLS via phone XXXX to raise concern on the incorrect reporting. Customer Care Representative Mentioned an internal review with the collections department will performed and provide reason why a charge off account was still billed as active account From XXXX till XXXX {$9500.00} plus additional late fees XX/XX/XXXX Contacted SLS on status update Customer Care Representative. mentioned that on XX/XX/XXXX the issue was corrected however no supporting evidence was provided as SLS does not provide any follow up documentations XX/XX/XXXX SLS due to incorrect reporting and unresponsive process from SLS still has not resolved the incorrect reporting of a charge off account affecting the interest rates on new loan and the refinance mortgage process Request that SLS refund all charges from XX/XX/XXXX to XX/XX/XXXX for incorrect payments taken from us, update all credit bureaus with correct status of account plus the XXXX XXXX XXXX and provide written proof of corrections I look forward to your reply and cooperation to resolve this matter as requested. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Product: Checking or savings account

I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time. 
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.
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 a right to privacy.

15 U.S.C1681 section A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

A suit was entered in WI XXXX XXXX for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been 10 yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification.

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor.

Statute of limitations and last payment missed on the debt. 
An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX  bearing my signature.

Provide insurance claims of the debt.

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.

In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.
Product: Student loan

This loan is currently being serviced by MOHELA. The initial loan was with XXXX who then transferred it to XXXX. This loan was included in my XXXX  XXXX bankruptcy filing and a representative from XXXX completed the required claim documents. Payments were made to XXXX throughout the bankruptcy. At the end of the bankruptcy, MOHELA was notified of the discharge. I received bills starting in XX/XX/year> and reached out to MOHELA and informed them of this. The representative confirmed that the discharge documents were received and proceeded to inform me that not all loans are discharged. I informed my lawyer and was advised not to pay the loan. I have been contacted daily regarding this by MOHELA. Now the balance has been reported as past due on my credit report. XXXX discharged my balances with no issue.
Product: Money transfer, virtual currency, or money service

The company know as " Block '', formally know as " Square '', reported over {$24000.00} of income to the IRS for the tax year of 2021. I have never had any business with this company. It is currently end of XXXX and I have been attempting to resolve this with the company since the beginning of XXXX. I have called them several times and each time they provide the same responses, " we don't see a profile in your name '' and " we'll research and get back to you. '' I have yet to receive any follow up from the company. 

I called again today and they said they would open a case for me, which I was in disbelief this was not done during XXXX of the numerous calls I've made to them in the recent weeks. 

I need the company to provide proof i don't actually have an account with them or used their services so that I can resolve the now {$8000.00} debt I have with the IRS.
Product: Credit card

XXXX and called the company right away and the purchases were not authorized by me. Another month goes by and the credit card company sent me another letter of saying I am, responsible for the amount and its gon na be reinstated on my credit card statement. I called them again and they told me they can try to get the money back from the criminal and if they dont, I have to pay it last time I spoke to the credit card company was XX/XX/year>. They said they cant do nothing for me which led me to contact you guys. I have proof to back up what happened to me forms of text messages as well as photos. I went back to the street where I was XXXX and saw the guy and was able to take a pic from far. I saw a local policeman and stopped him and asked him for help since I was scared to approach the guy he went to look for him based on the photo I provided, but could not find him. I did not file a police report at the time that I was talking to the cops. I had a XXXX with me and was not able to drive to the police station.My credit card is a Barclays card which I pay XXXXXXXX XXXX  XXXXyear.
Product: Debt collection

They call me numerous times a week from unknown phone numbers or multiple numbers. It is portfolio recovery, sometimes it will say portfolio recovery and other times it does not. I always block the number number and they call me from a new number. I've answered once and I hung up on them. I would pay the collections if I had the funds. No other debt collections agencies have contacted me whatsoever. But portfolio recovery calls me so often.
Product: Debt collection

XXXX XXXX XXXX has been attempting to collect a medical debt from me. The debt is listed as XXXX XXXX XXXX on my XXXX XXXX credit report. I have supplied PSC with digital images of the court documents clearly showing that my ex spouse is responsible for this debt to no avail. This debt should not be on my credit report and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I checked my Credit Report on Credit Karma and I found that there was an unauthorized hard inquiry on my XXXX Credit Report. The company was XXXX XXXX XXXX XXXX XXXX from someone checking my credit report to proceed with a loan from this company. I did not authorize a check on my credit to get a loan from this company. I have not reached out to this company yet but I will to let them know that this is fraudulent activity
Product: Checking or savings account

On XX/XX/XXXX, Chase Bank closed my bank account. They said they had mailed me the balance in my account via check. I never received the check. I called several times and they told me that my check had been cashed. If I could prove that the check was not cashed by me or my family, then I had to authorize them to recover it ( I will upload all relevant information including the inquiry number of the letter they mailed to me at that time ). Until now, XX/XX/XXXX, I still haven't received any news. 
In addition : My authorization letter has been mailed in XX/XX/XXXXXXXX XXXX
Product: Debt collection

Years ago I had  XXXX . After a year of up and down service, we went the  last 6 weeks  with no service at all. At  one time they even stated that they did n't show us having service. I canceled and went with another p rovider. I returned all equipment as required. They sent a bill for service we did not receive. After numerous calls to  XXXX , I finally got a lady who said she saw were the issue was and would take care of it. Next thing I know it 's placed with a collection company. I proved my case to them and they removed it form my credit report, then  XXXX  sent it to another collection company, I proved my case to them, then it was sent to  a 3rd collatio n company! Attached pictures show how  XXXX  installed our service.