23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, SLS assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to SLS to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, XXXX, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of SLS was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.
Product: Debt collection

I have recently been garnished by a debt collection agency called XXXX XXXX  office via XXXX XXXX. XXXX Missouri. Tower loan is the original debtor. The debt had a COURT JUDGMENT XX/XX/XXXX TO TOWER LOAN TOTAL AMOUNT WAS XXXX. I DID NOT PAY THE JUDGMENT AND TOWER LOAN DID NOT GARNISH OR TAKE ME BACK TO COURT. IT IS XXXX. THAT IS 11 YEARS. THE DEBT IS NO LONGER ON MY CREDIT REPORT AND THE STATUE OF LIMITATIONS TO COLLECT THE DEBT HAS PASSED PER LAW. I RECEIVED PAPERS IN THE MAIL OF THIS FRAUDULENT GARNISHMENT AND THEY ADDED XXXX TO THE FINAL JUDGMENT FROM 11 YEARS AGO AND THEY SENT THE GARNISHMENT TO MY EMPLOYER BEFORE I RECEIVED IT GIVING ME NO CHANCE TO FIGHT IT. THEY ALTERED THE ORIGINAL JUDGMENT PAPERS FROM THE COURT OF 11 YEARS AGO. ALSO TOWER LOAN HAS BEEN DOING HARD INQUIRIES ON MY CREDIT REPORT XXXX SOFT INQUIRIES WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE BEEN GARNISHED TWICE ALREADY AND I AM HEAD OF HOUSEHOLD AND THIS IS TAKONG A FINANCIAL STRAIN AND EMOTIONAL STRESS AND I CANT PAY MY MONTHLY BILLS WITH THIS. I WOULD LIKE FOR THIS TO BE TAKEN CARE OF AS THEY HAVE BEEN SUED BY SEVERAL PEOPLE AND A CLASS ACTION LAWSUIT AS WELL. KNOW THEY ARE DOING THE SAME ILLEGAL THINGS TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Product: Debt collection

I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX
Product: Checking or savings account

My ex-wife ended up using my capital one 360 account to make several payments to her credit cards. After she realized she used the wrong account she called me and told me and told her credit card companys however they told her I needed to work it out with capital one 360. I opened several claims ( Claim # XXXX for account ending in XXXX ) and told capital one these were unauthorized charges and needed to be kicked back to her credit card companies. There were other claims open as well however the rep I spoke with couldnt find them. I come to find out today they capital on denied my claims and stated I capital one I gave them authorization which I didnt. They pulled they call and told me I was right however they wouldnt reopen my claims of unauthorized credit card payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, delete the accounts violating the FCRA
Product: Credit card

An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to work with XXXX  and Transunion, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card ( serviced by XXXX XXXX in XXXX. I never had a late payment since I had the card. On XXXX XXXX, XXXX, I attempted to use my card to make a purchase at a XXXX XXXX store. At the time, I was told my account had been closed. 

This was a surprise to me, as I had checked my account online before going to make the purchase. I have included screenshots of my online account from XXXX XXXX, XXXX ( you can see the dates in the lower right hand corner ). It clearly shows a zero balance and a {$4500.00} credit limit ( see screenshot # XXXX on the attachment ). It also shows that I have a next statement date of XXXX XXXX, XXXX. 

I called their service number and spoke with a customer service representative. They told me that my account was closed in early XXXX, XXXX. I asked why this was done without notification or warning. The representative checked and confirmed that no letter or email was sent to me to notify me of the closure. They could not explain the account showing as open on the website. They told me I would need to apply for a new account. I told them I did not want to open a new account because that would require a new credit pull, which would be unfair to me. 

I asked to be escalated to a XXXX who told me the account was closed and confirmed there was no adverse action behind closing my account. They refused to open or allow me use of my account. 

I am confused that my account was closed without warning or notification. I am also confused that I was sent marketing material information in late-XX/XX/XXXX when my account had been closed XXXX see screenshot # XXXX, email dated XXXX XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX closed my credit card after I paid off the full balance owed. I make the payment on XXXX XXXX.
Product: Debt collection

An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

looking over XXXX credit report and their are two collection agencies thats trying to collection on the same account which I have to knowledge of and never contacted about this debt.
Product: Credit card

On XX/XX/XXXX, I notified Citiback of a disputed charge in connection with a gift card purchase that I used at XXXX. The gift card was issued by Citibank Shop your Way Master Card. Each month since XXXX, I have have had to call Citibank Master Card to address the {$17.00} under dispute. I was told on XX/XX/XXXX when I called Citibank that the late fees of {$2.00} which were charged on the disputed amount was waived along with the disputed amount of {$17.00} was waived. Citibank also charged another {$19.00} in duplicate and this was also waived. The case was taken by XXXX in Customer Service and all of this was recorded in case iD # XXXX. Since this time, I received collection phone calls from Citibank on XXXX/XXXX/XXXX at XXXX and on XXXX at XXXX regarding a past due amount of {$17.00}. I have made Citibank aware that again Federal Credit Law for disputed amounts to be placed under collection, but the Collections Department seems to be unaware. I have tried diligently to resolve this matter, but I refuse to be held responsible for being charged for a purchase that was paid for using my digital gift card that was issued by Shop your Way Gift card. Since XX/XX/XXXX, I have received no word from Citibank regarding the results of the investigation. -- the only action that they have taken is to send the account to Collections to appears.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account balance is showing the wrong amount on my Experian, XXXX XXXX XXXX. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.
Product: Debt collection

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX  a request for removal from my consumer report to the company involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 I disputed a charge off due to inaccurate information, in which ( Flagship Credit Accept ) reported different account types, status dates, original balances, and terms to XXXX, XXXX, and XXXX and due to these violations, the account needs to be removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Debt collection

Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.