23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly. 

After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here.

1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place.

2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement.

3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment.

4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies.

5.
Product: Debt collection

I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX ACCT # 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: Credit card or prepaid card

My accounts were closed without any prior notice to me. I had award balances that were forfeited from my account, with no recourse to claim them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
XXXX and Equifax credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for XXXX and just in a late 120 days with Equifax. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for XXXX for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.
Product: Mortgage

In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. 

On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. 

Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! 

I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. 

My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX was reporting my home mortgage payment late for several months. I contacted XXXX XXXX   XXXX in XX/XX/2019 regarding this issue. They wouldn't respond so I filed a dispute with all three credit bureaus and included bank statements to document all of my mortgage payments were paid on time. 

XXXX  XXXX XXXX has destroyed my credit score due to this error on their part. But what's more disturbing is the fact that none of the three credit bureaus even looked at the documentation I mailed them. They replied that they checked with XXXX and the reporting was correct. 

I've been fighting this for over 5 months with XXXX  and finally have received a Payment History Report from them that shows my payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my XXXX credit report for a credit builder account I had with Kickoff Lending LLC. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with Kickoff. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with Kickoff was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with Kickoff, or any other institution. I do not owe a balance to Kickoff that I never used.

I have attempted to dispute this account with Kickoff Lending LLC and XXXX and have reached no resolution with either company.
Product: Credit card or prepaid card

I did two balance transfer with Bank of America and the expiry dates as follows. When this balance transfer about to expire. I was about to pay the near expiry one which is {$9600.00}. I did pay after 2 months of expiry. So I incurred interest charges on {$9600.00} balance, to avoid the further interest charge, I paid the {$10000.00} on XX/XX/XXXX, and it got returned because of the insufficient amount in my bank account, which was my bad because I chose the wrong bank account while paying the amount for my credit card ( BOA ). So I again went ahead and I paid {$10000.00} with the right account this time and it got credited successfully with Bank Of America. But BOA didn't apply the payment towards Balance Transfer which expired already on XX/XX/XXXX and they applied my payment on Balance Transfer 0 % which expires on XX/XX/XXXX. 

I was under the impression that I paid my expiring balance transfer of {$9600.00} and I have to only pay the balance of {$3300.00} which will expire on XX/XX/XXXX. 

Recently I noticed that I'm paying only the interest of {$420.00} on my credit card, not the remaining balance. It was a big surprise and shock for me to accept that Bank of America didn't consider my payment towards high-interest charges and they closed my 0 % Balance Transfer amount and now collecting interest charges which they shouldn't do because I paid for my promotional balance transfer fee of 3 % in advance for the balance which I'm carrying now. 

Bank of America is denying to revert all the interest charge of {$420.00} and not honouring Balance Transfer offer which has not expired yet. I explained a lot and complained about the system inability to distinguish about returned payment and they are considering it as a purchase instead of return payment. BOA system thinks that returned payment is a purchase and applying future payments towards lower APR balance instead of applying to higher APR balance. I waited a lot for their reply and there was no solution and finally, they concluded that they can not do anything on this matter. So I left with no option than reaching out to consumer finance to resolve this issue. 

Solution : I want Bank of America to revert all the interest charges ( {$420.00} ) from XXXX since I paid my expiring balance transfer in XX/XX/XXXX. Please find my statements in the attachment. 

Balance Transfers Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$9600.00} Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$3300.00} Payment history : XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$20000.00}
Product: Mortgage

My husband non citizen/legal resident was pre- approved for a FHA mortgage through his bank. ( US Bank ) we even checked with FHA.gov beforehand regarding his immigration status to make sure he fit the criteria, and they assured me as a Legal Non Permanent Resident on a Work Authorization he did. US Bank declined him in underwriting after we told them this and submitted copies of his visa, drivers license, work authorization, etc. Saying because of his Visa Type could not verify residency for the mortgage address so he was declined. A few days later. XXXX XXXX approved us for the house FHA mortgage and we closed on our loan with the exact same paperwork and no delays. US Bank discriminated against my husband because of his national origin. After our first mortgage payment we got a letter stating US Bank bought our mortgage and will be our new servicer, so in the end they ended up with our loan! However discriminated againsy my husband with a denial because of his national origin. US Bank should be sued for clear discrimination, this caused us so much unnecessary stress and harm in the home buying process.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 a dispute letter was mailed certified to Lexus Nexus. 

It was received by Lexus Nexus on XX/XX/23, and assigned case # XXXX On XX/XX/23 I called in to check on dispute status, I was informed that Bankruptcy was never entered in dispute. 

Per represented from Lexus nexus the dispute was initiated on XX/XX/23 with case # XXXX. This is means per FCRA to have item deleted from consumer report. 

FCRA Stated consumer agencies and credit agencies have 30 days to complete investigation or deleted negative item from credit report. 

Per Cfpb complaint # XXXX Lexus Nexus replied on record the investion was completed on XX/XX/23 per Response from the company ( attached ) Case # XXXX Is clear the attached disputed letter was clearly received on XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair Practices and Malicious Treatment to through Experian and XXXX XXXX XXXX XXXX XXXX. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call XXXX XXXX XXXX XXXX XXXX. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position XXXX XXXX XXXX. Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXX, XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, XXXX XXXX XXXX flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called XXXX XXXX  XXXX after being notified by Experian and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XXXX, XXXX. So, I don't understand how XXXX XXXX XXXX XXXX XXXX. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXXXXXX from XXXX Hawaii XXXX and made fraudulent accounts like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Plus LVMV funding llc
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your
Product: Credit reporting or other personal consumer reports

This is my second time asking these XXXX XXXX XXXX to remove these collections : 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 that have been falsely reported on my credit reports. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax or XXXX ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.
Product: Credit card or prepaid card

I have used 5 XXXX XXXX over the past one year. I always had an issue with spending the last dollar or two. I contacted customer support and they do not know why I can not use this. I tossed these cards. This is the 5th card and I decided to report the problem. 

I can check the balance ( XXXX cents ) online ( see attached ) but unable to use this online or at store. I tried at XXXX, XXXX XXXX, and XXXX XXXX XXXX  XXXX. At cash out, I asked the associate to put numbers manually and run this as credit. It just does not go through. 

I could toss this one, but this is not fair. This is WRONG.