23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

All three Credit Bureaus have reporting from LVNV Funding LLC which I discovered was actually Resurgent Capital Services. They are reporting a debt owed on two separate Credit Card Accounts ( one XXXX XXXX, the other XXXX XXXX ). The amounts shown are for {$730.00} and {$710.00} on accounts showing to have been CLOSED in XX/XX/XXXX and XX/XX/XXXX. 

I currently have open & Current Accounts with both of these banks and as I TOLD this Collection Agency in Writing on 3 Separate occasions I have NO KNOWLEDGE of these CLOSED Accounts. I therefore asked them to provide ANY PROOF these accounts are really mine. ONE FORM showing my signature would serve as such proof and since I sign numerous charges with BOTH Banks I currently use. This seems to be a Logical, Simple and Common Sense Step in aquiring PROOF of Ownership. I stated that with such proof I would be happy to resolve the issues. But again, I have no knowledge of such accounts so I also asked that if they were unable to provide such documentation they REMOVE the false reporting from my credit file. 

Rather than providing me any supporting documentation OR removing the false reporting. This collection Service has instead actually put in writing they expect me to provide PROOF I don't have an account. That's INSANE!! It is impossible to prove you don't own something you don't have. They even provided me with duplicate mailings stating they would NOT continue to correspond with me and have made NO attempt or provided any reason for their FAILURE to provide any proof the accounts exist. And through that action they are basically EXTORTING me to make payments on accounts about which I have no knowledge. 

The Reference Numbers I have been Provided by Resurgent Capital Services are XXXX XXXX And those are the ONLY Actual Numbers I have EVER been provided.
Product: Checking or savings account

I filed bankruptcy on XX/XX/19 and included my checking account balance my savings account remained open. I had my unemployment direct deposited into my savings account and my whole check was taken for the balance on the checking account which is no longer open.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against Macy 's for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 
I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
Im also aware that once a debt is cancelled, it now becomes gross income. 
Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 
Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If Macy 's has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX  XXXX, and XXXX  conversions. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

I have a collection listing on my credit report that I have NO IDEA why they are reporting! 
This is not my account and I need it removed asap! 

XXXX XXXX XXXX NOT MINE 2. US Department There are 4 XXXX Loans listing. These are my loans. However, I have NEVER been late. I am on auto draft for my payments and as you see I make every monthly payment. 

a. The dates on my credit report that are showing no payments is because ; The interest-free student loan payment pause, known as forbearance, began as an emergency pandemic measure in response to the COVID-19 pandemic in XX/XX/year> under then-President XXXX XXXX. It was eventually extended nine times over the course of three and a half years.
Product: Debt collection

On XX/XX/XXXX at XXXX, I received a text from someone ( XXXX ) saying " call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference number XXXX. Your rights from our recent letter remain. Other rights make payment. " I do not have any debts in collections. I never received a letter from any collection and I tried calling the number to XXXX XXXX which is different than the one in the text XXXX and spoke to a service agent and they kept transferring me as they could not locate the reference number. I believe this text to be a scam.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX  to see if they could ask experian to remove this collection from my credit report or to see if it would be a way to remove this paid collection from being in a negative position on my credit report. I was emailed a copy of my payment made to XXXX XXXX XXXX I noticed it is different from the statement on my credit report
Product: Credit reporting

I submitted a fraud dispute on XX/XX/2016. Equifax actually deleted the account from my credit report but Experian failed to conduct a proper investigation and the account still remains on my credit report. It only took Experian two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
Product: Debt collection

I received a collection notice from Professional Placement Services , LLC about delinquent account that has been placed with above collection agency. 
I notified the debt collector in writing within 30 days of the notice that I'm disputing the validity of this debt and requested to validate a debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA and I'm legally have obligation to pay a debt. 
Professional Placement Services sent me in the mail a statement dated XX/XX/XXXX, that shows that I owe an original creditor {$54.00}. Upon reviewing " validation statement '' made by debt collector, I noticed that debt collector did not comply with requirements for Fair Debt Collection Practices Act ( FDCPA ). The debt collector did not obtain copy of original statement from creditor. They ignored my request as a consumer and did not provide me with verification that debt was assigned or sold to them as debt collector. The creditor provided a service back in XX/XX/XXXX and statement was dated XX/XX/XXXX. The debt collector did not provide verification that they licensed to collect a debt in state of Illinois, did not complete accounting of alleged debt. 
The above agency violated the Fair Debt Collection Practices Act and reported the alleged debt to credit reporting agencies. 
Therefore, I will take legal action against this debt collector since they did not comply with Federal law and did not validate the debt according to Federal Debt Collection Practices Act This action constitute fraud under both federal and state laws.
Product: Mortgage

Hello, I filed a complaint a few weeks ago about problems with the servicer of my loan Dovenmuehle. I have tried talking to them and they recently responded to a state agency in Wisconsin and the lender Dovenmuehle is lying to the regulators. They have not mailed these documents to me. I have not submitted any documents to apply for a loan modification as XXXX XXXX the Corporate counsel states. I have an FHA loan that is delinquent and I am trying to get help from the lender to apply for and be considered for loan modification. I have been TRYING to get a loan modification application but Dovenmuehle lies and obstructs the process. I don't know how or why it is happening, but it should not be happening. I have called Dovenmuehle last week to get an update and see if I could get an application to send in the information. The agent told me they were not Dovenmuehle, he said they were XXXX XXXX and then he put me on hold and hung up on me. When I called back the voice mail said they were closed. I called back the next day and was told by an agent that because of the way my file was coded, they could not talk to me, I had to call the foreclosure Attorney XXXX and XXXX at XXXX XXXX XXXX. I called them and told them my name and address and the Attorney said all they could do was give me the reinstatement amount owed, they have nothing to do with loss mitigation or modification applications and he said he would notify Dovenmuehle that I called and that they need to work directly with me. I called Dovenmuehle again yesterday and told the agent I had spoken with the Attorney and she said she would email me the application so that I could apply for a loan modification. She verified my email and said I would receive the paperwork in 24 hours and it would include a loan specific application as well as all of the instructions on the documents needed and how to submit them. It was never received. I called back today to ask them to re-send the application. Again they began the obstruction and denial of access to homeowner assistance programs which they are required to offer on a government loan. The agent said I had to call the Attorney again. I explained that I had already done this and that they have nothing to do with the loss mitigation. I asked for a manager and was told that XXXX Washington was the supervisor and that according to her, Dovenmuehle was not allowed to communicate with me. I then asked for the Dovenmuehle corporate counsel XXXX XXXX who sent the fraudulent letter and lied to your agency. They told me they would no longer speak with me. Something fishy is going on here. I make enough money to afford my mortgage payment but due to XXXX I fell behind. They are REQUIRED to review me for modification then they lie to the state agency and tell them that I recently applied. I can't access their online portal, I am blocked out of it because I am in pre-foreclosure. Maybe they are sending documents to the portal, but I assure you they are not being mailed to my house. This response is not acceptable and your agency should launch an investigation of this company, they are trying to steal my house so that they can cash out
Product: Checking or savings account

On XX/XX/2023, I deposited money orders totaling {$2100.00} and what Citizens bank referred to as a " HARD HOLD '' on the funds, without any legitimate basis. I contacted customer service ( XXXX ) XXXX on XXXX and spoke to XXXX and requested that the hold be removed. She stated that this could not be done because they need to verify the availability of the funds. I asked for a supervisor and after being placed on hold was told that one was not available. There should not be an extended hold on money orders which are equivalent to cash. I also deposited another check in the amount of {$3500.00} on XXXX and do not know when that will be released. Citizens is holding my money for an impermissible period for its own use.
Product: Debt collection

I have an ongoing case in Pa with XXXX XXXX XXXX XXXX. I had the city closed down and condemn a house i lived in because they refused to fix all the leaks and roof that caved in. House was condemned by the city for being inhabitable to live in. Afterwards i became a victim of a landlord retaliation tactic in which this extreme debt amount was put upon me wrongfully and unlawfully!
Product: Credit card

Another credit card from Synchrony bank slashing my credit for NO reason! 
Reasons given were inaccurate or outdated. Report sent to them by email with no response. Instead they just slash more and more of my credit cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXXXXXX XXXX I spoke with a customer representative with Trans Union LLC. I called them into in regards to some inaccurate addresses that is still being reported on my credit report after I disputed fraudulent accounts and had those accounts deleted, but the addresses that were used to initiate those fraudulent accounts are still on my credit report. I spoke with the Trans Union representative and they told me I didnt qualify or pass the clearance to have my address updated. I dont understand as to why my address hasnt been updated when I have been receiving mail from Trans Union about my credit report at the address Im living right now. These addresses shouldve been deleted along with the fraudulent accounts that they were tied to recently. I would like for these addresses to be deleted because Ive never lived at these places and I do not recognize these addresses and they are tied to fraudulent activities. The addresses I am referring to or in the attached files thank you.
Product: Debt collection

I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting this creditor has violated my rights under 15us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Product: Mortgage

PHH Mortgage has failed to pay my property taxes from my escrow account. The amount due is {$3700.00}. My taxes were due on XX/XX/22. Because of their failure to pay my taxes timely, the due amount is now {$4100.00}. PHH agreed to pay the penalties at {$340.00}. But the penalties continue to accrue. And I have no confidence that my taxes will ever be paid. I received a delinquent tax notice from XXXX XXXX in XXXX. I immediately reached out to PHH for resolution. But PHH continues to stall me with excuse after excuse for why they haven't paid my taxes. First they told me they escalated with the Tax Department for researching. This took weeks. I continued to call and email. Next I hear XXXX XXXX is verifying due tax amount w/ XXXX XXXX XXXX I wait weeks. Then I hear my case has been escalated w/ the legal department. I ask why my case has been referred to the legal department. They can't tell me why. They don't really tell me anything except that my case is being " escalated '' and " researched ''. After reading the overwhelmingly abysmal reviews about this loan servicing center where many complaints are similar to, I am truly disheartened and afraid that my taxes will never be paid. In researching this company, I learned that 30+ Attorneys General filed a class-action suit against PHH for shady financial dealings and for a pay-to-pay scheme ( customers forced to pay a service fee for making payments online ). I received a notice from PHH advising that if I don't switch to auto-pay, I will be billed for making payments online. I understand that PHH has acted in violation of RESPA. I am desperate to get my taxes paid. I can't afford to make this kind of payment out-of-pocket. They continue to hold my monies hostage in my escrow account. They called me tonight to tell me that that they called XXXX XXXX but couldn't get through to them. I have called my tax department many times to discuss my case and have never had a problem with getting through. Please help me CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA 605B THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. 



Apple Card/GS BANK USA  - OPEN XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXXXXXX XXXX - OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT
Product: Mortgage

I have been out of work due to illness, however I was able to meet my monthly expenses, even though it was difficult, with help from family and finding little work here and there. I heard about the XXXX program and decided to apply last year XXXX through my mortgage company. I was asked to submit certain documents and I did so in a timely fashion, fearing that by the end of the year this program was not going to be available any more Initially I received calls from a service representative requesting additional information. That was submitted immediately. When I stop hearing from my mortgage company I called for updates. Every time I called, I was told that the case was at underwriting and that someone will return my call. This never happen, However I kept calling every week for an update, of which I got the same response. At XXXX of the calls I was told that there was an missing document. The representative checked the uploaded file and found that the documents were already there. they proceed to put a note on the file to inform underwriting that all documents were in. On XXXX XXXX, 2017 I received a call from the mortgage company looking for the payment. So I asked for an update. I was told that the case is closed because they did not received the information on time. I believe I was ignored. That my mortgage did not make an effort to help in my situation.
Product: Debt collection

Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail.
Product: Credit card or prepaid card

Credit card company entered me into a payment plan XX/XX/23 for {$230.00} a month at 5.9 %. I accepted paid my first payment XX/XX/23. Was charged 29.99 % regular interest and late fees totaling {$160.00}. That has been waived. I am trying to be enrolled in the program however their website keeps giving me an error future tense. I accepted the offer XXXX.
Product: Credit card

I was sent an unsolicited credit card and purchases were made on the card without my knowledge ( authorization ).
Product: Student loan

I personally filed a complaint against Navient, alleging that Navient promised that my loan was eligible for public service loan forgiveness, only to find out later that my loans did not qualify. 
Phone recordings from Navient, selectively produced by Navient, seem to indicate that I was told my loans don't qualify. 
However, Navient never told me that my ineligible loans could be made eligible very easily by converting my loans to direct consolidated loans. I assumed that if my loans were not eligible for PSLF that I could never take advantage of PSLF. I didn't know that the nature of my loans could be changed, as Navient never told me they could. Instead, Navient told me I wasnt eligible for PSLF, but that there was good news because I qualified for lower payments with an income- based repayment plan. 
I have a phone recording from Navient ( given to me by Navient ), wherein a Navient supervisor tells me that Navient reps, once they know you are a public servant, are supposed to immediately notify you that to qualify for PSLF, you must convert to a direct loan. I posited that it must not be in Navient 's best interests to tell public servants about converting because that would mean that Navient loses my loan and interest payments to XXXX XXXX. The supervisor agreed with me. Then she reiterated that she was shocked that I wasn't told to convert to a direct loan. 
Navient has had my loan since XXXX. Had they told me about converting to a direct loan back then, I would have been eligible for PSLF by XXXX! Now, I'm not eligible until XXXX, 6 years after i'm scheduled to retire! 
I am also curious as to whether CFPB 's lawsuit against Navient is at least partially based on Navient, in order not to lose thousands of loans, not telling public servants of the need to convert to eligibility direct loans to qualify for PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CC CFPB CERTIFIED MAIL RETURN RECEIPT # XXXX XX/XX/2022 ACCOUNT NUMBER:XXXX BALANCE REPORTING INCORRECTLY PLEASE DELETE Dear XXXX XXXX XXXX XXXXXXXX : 2ND DIRECT REQUEST AND 3RD BUREAU XXXX ***PLEASE NOTE THAT MY CORRECT ADDRESS IS LISTED AT THE HEAD OF FOOT OF THIS LETTER. *** This letter is to inform you that I am disputing your company 's references on my credit report because of lack of completeness, accuracy, and proof of verification. I recently disputed this account with the credit bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete through investigation leaving you and them both in non-compliance. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : PLEASE VALIDATE THIS ACCOUNT ENTIRELY FOR COMPLETENESS AND ACCURACY. I WOULD ALSO LIKE ALL INFORMATION YOU HAVE ON FILE FOR THIS ACCOUNT TO ENSURE THAT IT BELONGS TO ME. THINGS SUCH AS A CONTRACT, FULL ACCOUNTING HISTORY, SOMETHING THAT PROVES THIS ACCOUNT BELONGS TO ME AND I AGREED TO PAY THIS ACCOUNT. ALL DATES OF ACTIVITY, SUCH AS DATE OPENED, DATE CLOSED, DUE DATES, AND DATES PAYMENTS WHERE ACTUALLY RECEIVED. DOCUMENTS THAT SHOW WHAT WAS PURCHASED, THROUGH WHO AND WHEN. 

PLEASE PROVIDE ME WITH PROOF WHEN THIS ACCOUNT WAS OPENED, WHEN THE LAST PAYMENT WAS RECEIVED ON THIS ACCOUNT. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account, a description of the records reviewed, and a copy of all of the documentation, statements and information in your possession that you used to conduct your investigation so that I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. If this address is different from the one you have on file, please update your records to my one and only current address listed above. 

Thank you for your prompt attention to this matter. 

THIS IS MY SECOND REQUEST. IF THIS REQUEST GOES UNANSWERED I AM PREPARED TO SEND ALL CORRESPONDENCES TO THE FEDERAL TRADE COMMISSION AND SEEK LEGAL ASSISTANCE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX :