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

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Product: Debt collection

I have been receiving collection notices in the amount of {$56.00} the collection had been reported past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX
Product: Checking or savings account

I found that my Marcus saving account was locked. Today I gave them a phone call and they told me that they closed my account without my notice with one of the following reasons : i ) inaccurate information ii ) illegal activities ( money laundary, etc. ).

I did provide accurate information when I opened this account and I made one deposit of {$500.00}. and have never taken a withdrawal. The account was opened in XXXX and they claim closed in XXXX. They advised my money is now with unclaimed property. How can it be unclaimed when I was never notified? This entire time I thought I was earning interest to pay for my daughters education. The only reason I reached out was because I was trying to deposit {$3000.00} into the account. I just want my {$500.00} back please. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received notification that my credit score had dropped. I  reviewed my report and noticed a collections account was added from XXXX funding. I disputed the account through Transunion asking for verification of charges. Transunion is showing the result of the investigation as meets FCRA requirements. What I specifically requested in the dispute is not addressed in the response. From what I researched online, XXXX is a third party collection agency.
Product: Debt collection

On XX/XX/year>, I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

No information was provided to me from the company. I simply as the company to provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete Audit Trail calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. XXXX ) The purchase agreement. XXXX ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to the company requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Product: Credit card or prepaid card

Capital One closed my credit card account, took my security deposit and applied it on the balance, then I paid the entire balance is full of about {$36.00} and they still have me owing a balance of {$3.00} and some change. I paid the statement balance is full and they aren't getting any additional money out of me. The like to defraud customers into paying off a balance but then apply additional fees that's not even associated with the balance that's been paid off in full
Product: Credit reporting

I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than XXXX times. XXXX is an abusive 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes your company policy. 15 USC 1681c-2 establishes what I, the consumer must provide you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate obviously experian did not read the documents these are fraudulent inquiries listed in the ftc report XXXXXXXX XXXX XXXX  Date of request XXXX XXXX XXXX XXXX XXXX  Date of request XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX Date of request XXXX XXXX XXXX  Date of request XXXX XXXX Date of request XXXXXXXX XXXXXXXX XXXX Date of request XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXXXXXX XXXX XXXX  Date of request XXXX XXXX XXXX XXXX  Date of request XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX Date of request XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Method of Verification Request for Disputed Item Dear XXXX, I recently disputed Portfolio Recovery XXXX on my credit report XX/XX/year>, and your response stated that the item was verified. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting the method of verification used to validate this information. 

Please provide : XXXX. The name, address, and contact information of the entity that verified this information. 
XXXX. A detailed explanation of the verification process, including any supporting documentation received from the furnisher. 

If you can not verify this item with proper documentation, please remove it from my credit report immediately and I would like to be compensated for all inaccuracies. 

I expect a response within XXXX  days, as required by law. Failure to comply will result in further action, including possible complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Mortgage

I found out on the CFPB website there was a lawsuit against or CFPB ordered Citi-mortgage and citibank to pay XXXX XXXX dollars to home owners that pursued modification from citi-mortgage which I did for 2 years and continued to be denied. Therefore I lost my home to forclosure from Citimortgage of XX/XX/2017 and we were forced to seek rental property that was hard to find. I called citimortgage to find out about the order and they were aware of the XXXX XXXX dollar order but they wouldnot give me the information so I can claim my potion of the lawsuit. 

My wife and I lost our home which we lived in for 10 years because no matter what documents we sent to Citi-mortgage they wouldnot give us a loan modification. 

So please help us find the correct Citi-mortgage department so we can claim out portion of the XXXX XXXX dollar lawsuit
Product: Credit reporting or other personal consumer reports

A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and XXXX : Account number XXXX. MUST BE REMOVED NOW EXPERIAN : XXXX account number has never been late. This late payment MUST BE REMOVED FROM Experian immediately. 

I disputed XXXX XXXX  on XX/XX/2023 as well.
Product: Debt collection

Hello, I received a complaint from XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Discover Bank vs. XXXX XXXX XXXX. 

Amount of {$2100.00} and costs of {$110.00} Docket # : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX. 
XXXX, NJ XXXX An am pretty sure according to the Fair Debt Collection Practices Act : XXXX : XXXX https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on XX/XX/2021, the CFPBs new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights. 

Kind regards, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$XXXX}
Product: Credit reporting

I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my report.
Product: Vehicle loan or lease

I was recently made aware of a fraudulent account that was open using my personal information without my knowledge or permission. There were two different auto loans as well several credit cards. 

1. XXXX Account Number XXXX 2 ; XXXX XXXX XXXX Account Number XXXX
Product: Credit card or prepaid card

Barclays closed all 5 of my cards back in XXXX and didnt give a real reason why. They told me reapply for those 5 cards which i did That was back in XXXX Its XXXX and its still in pending Ive sent them every single document they have asked for -Drivers license front and back -social security front and back -bank statement All of them passed verification but the social security card XXXX I was told it was hard to read since it was faxed. 

So i resent did all the copies overnight mail TWICE and out of all the documents once again they said all the documents are good but the social security. 

Im confused because its literally my social security card and signed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are 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. I am doing this on my own behalf and really need someone to help me with this.
Product: Debt collection

XXXX XXXX XXXX XXXX has sent me to Genesis Collections for {$11000.00}. I lived at this rental property for five years. They renovated the whole unit once I moved out and am charging me for that renovation. They are dishonest and this is reflecting poorly on my credit report. I paid a deposit that should cover new carpet and paint. This is an egregious amount and I will not pay it. They are unethical and should not be in business. I have witnesses that helped me move and know what condition the unit was in when I left it.
Product: Debt collection

I called XX/XX/XXXX after receiving multiple calls from their XXXX number. I asked for a debt validation and verification letter to which the woman on the phone refused to send it out. She provided me with a reference number to pay the bill online but said she will not send out a letter. They have not only called me multiple times throughout the day/week they are making it even more difficult to verify information for said debt if there is any because I couldn't know as I haven't gotten any verifications or validations.
Product: Student loan

Over 3 years ago I applied for the PSLF program. I filled out all the paperwork and my employer signed verification forms. I was told I qualified and my loans then had to be transferred over to Fed Loan Servicing from XXXX. I didnt think there was anything wrong, as every time I called customer service, they verified my loans were on the PSLF.  Each year I would have to fill out the paperwork and as I made more each year, my payments kept going up. About 3 months ago, on a random customer service phone call, I find out my loans were never put on the PSLF program and they lied and said they never had my paperwork when I applied over 3 years ago. I was told by numerous customer service people that I would need to reapply and have my employer verify my employment and they could back track all the years I qualified. I recently got approved and my current employer of 3 years has qualified and they are telling me only 1 payment has qualified so far. I have had so many past issues with this company and now this. I was told there was no one I could file a complaint with. Im writing this now as I just read the news how the teachers are suing this company for misleading information and many issues I have been through. I would really like to take action against this company, as this is wrong to be untruthful and unlawful to its customers.
Product: Debt collection

There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Item : XXXX XXXX XXXX XXXX Date Filed XX/XX/2022. Please delete this item ASAP.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and discovered several inaccuracies listed on my credit report. This account is hurting my ability to obtain credit. I believe this item is incorrect and should be verified for accuracy in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. 

XXXX Account number : XXXX Date opened XX/XX/year> Balance updated XXXX XXXX, XXXX  Open/closed Closed
Product: Debt collection

I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid XXXX XXXX directly, but I definitely paid someone. Once I learned National Credit Adjusters was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.
Product: Mortgage

I purchased the home at XXXX XXXX XXXX, XXXX, MN with my ex-husband, XXXX XXXX on XX/XX/XXXXXXXX Due to financial hardship, we refinanced our modest mortgages on the home on XX/XX/XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. We took out a mortgage with XXXX for {$160000.00} and were required to also sign a separate second mortgage to XXXX for {$42000.00}. Specialized Loan Servicing ( " SLS '' ) began servicing the junior mortgage on XX/XX/XXXX XXXX XXXX according to its internal records. SLS did not timely abide by the notice of servicing transfer guidelines under 12 USC 2605 or Minn. Stat. 47.205. subd. 2. 

Due to financial hardship, I filed for XXXX XXXXXXXX bankruptcy protection on XX/XX/XXXX. An attorney filed a proof of claim as representative for SLS as " Attorney in Fact for XXXX XXXX XXXX XXXX as Trustee '' on XX/XX/XXXXXXXX XXXX  listing the total debt of {$42000.00}. No documentation was provided in the bankruptcy case nor recorded on title to show either SLS or XXXX 's interest in the underlying loan, mortgage, or the property. SLS accelerated the loan on or before XX/XX/XXXX but then did not complete foreclose within the 15 year statute of limitations under Minn. Stat. 541.03. 

I subsequently filed for XXXX XXXX  bankruptcy protection on XX/XX/XXXX. An order of discharge was granted on XX/XX/XXXX, which included a discharge of personal liability on the junior mortgage. 

In late XXXX, SLS suddenly began reaching out to me with new attempts to collect on the debt, threats to foreclose the junior mortgage, and pressure to enter into loss mitigation to pay an amount almost three times the original amount of the XXXX junior mortgage. I was confused and questioned whether this was a scam and against the law given my bankruptcy discharge in XXXX, and having heard nothing from SLS since XXXX about making further payments on the junior lien that was written off. In these activities, SLS violated 15 U.S.C. 1692f ( 6 ) of the unfair debt collections act and several provisions of Minnesota Statutes Chapter 58 relating to mortgage servicer standards of conduct. SLS is also in violation of the terms that it agreed to in the Consent Order with the United States of America Bureau of Consumer Financial Protection filed XX/XX/XXXX.