23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. XXXX and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.
Product: Money transfer, virtual currency, or money service

Needed to transfer XXXX to a worker and the money got withheld and the money was not available for a couple days
Product: Mortgage

The lender, Select Portfolio Servicing sent a letter out to me after I was denied a loan modification. The letter was dated XX/XX/2018 and had options in which I choose to short sale my home. The letter also stated to have the requested documents back to SPS no later then XX/XX/2018. I sent the signed documents to my agent XXXX XXXX and she sent all of signed docs and listing agreement to the lender on XX/XX/XXXX and XX/XX/2018. My agent then called SPS to make sure the docs had been received and she was told we longer were eligible for a short sale, that my only options were cash for keys or a reinstatement of the account. The letter SPS sent and it is attached, clearly states we had until XX/XX/2018 to get the requested documents in for the process of the short sale. My agent was also told by the reps that the letter is generalized and the options offered expired. How would any consumer know that? Where on this letter does it state my options would be expired before the date they gave me to have all of my documentation in? The letter states to reach out to the lender within 30 days of the date of the letter whish is dated XX/XX/2018, that's not 30 days, we just received the letter last week. I would like for upper management to review this file and letter that they sent to me and I am requesting that I would be allowed to short sale my property to avoid the set foreclosure date they have set. This is a bate and switch for sure, I have never seen any kind of trickery like this ever and it can not possibly be legal, I am seeking legal representation on this matter.
Product: Mortgage

Iberiabank serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XX/XX/2018. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 

https : //www.iberiabank.com XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Iberiabank licensed as a mortgage loan servicer in Texas in 2018?

2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX   County or anywhere else for this mortgage loan?

7. What was the loan amount of this fraudulent mortgage loan? 

Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.
Product: Mortgage

Case number : XXXX. 
I have already submitted a complaint, and received a response. Citi Mortgage 's response is that my loan is currently under another mortgage company, and I should contact them. There is no statute of limitations on this issue, and they are the only responsible party. Of course they know this, but they just simply pass the issue on to somebody else ; just like they do everything else Since there is no other way to contact CFPB on this issue, I am forced to submit another complaint. So I am doing just that.
Product: Money transfer, virtual currency, or money service

I have tried several times to close my account with this service provider, but to no avail. There is no online option to close to account. When I call their customer service center, they handle me all the way to the point where they need to close the account, and then " by chance '' drop the call. When calling again, I get the runaround and am unable to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested unauthorized inquiries to be removed from my equivalent credit file. I have never given permission for these inquiries to be made. I expressed this to equifax via certified mail and the response given to me is that these were facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  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: Checking or savings account

JPMorgan Chase bank is involved. I sold a manufactured home using Sun Communities as the realtor. I opened up a new account with Chase and deposited a {$39000.00} check.

They deposited it then told me they couldn't verify with the contact info from sun community. 
They have refused to release and XXXX XXXXXXXX won't verify it. 
I now don't have a house or money from the sale XXXX XXXX XXXXXXXX charged a XXXX XXXX fee. 

Please help, i have submitted some photo 's.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Installment RISE LOAN ( Account number ) XXXX ( Amount XXXX {$3600.00} COmpany Rise credit or Rise Loan LOAN defaulted XXXX possibly XXXX XX/XX/XXXX and STILL remains on my credit report
Product: Credit card

On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with See Tickets *XXXX  in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXXXXXX  with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. 

While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. 

After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( See Tickets *XXXX  ), and the charge was reinstated on my account. 

Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. 

I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank.
Product: Credit card or prepaid card

I noticed American Expess on my credit report supposedly stating their company loan money to me. I have sent them multiple letters requesting answers to questions that they should be able to answer as a company. I have sought after someone with firsthand knowledge. That could tell me more about this alleged account and give me answers. Unfortunately they can not answer them and have not taken their Tradeline off my credit report. With not responding and not showing proof that the company has loan money to me from their own funds. They do not have a legal right to be on my report. Ive sent them question they chose to ignore and not answer. These question would give me a good look if they indeed loan money from their own funds to me, complied with the truth and leading act, and has a legal right to collect on this alleged loan. American Express to this day, has not been able to answer.
Product: Credit card or prepaid card

Dear CFPB I am writing about my credit card that i had since XX/XX/2015. My credit card was closed. i called to find out why they informed me that supposedly i tried to call me verify if i changed my address and they were not able to, I responded that yes i changed my address and nobody tied to reach me and ask me if i changed my address, after escalating situation to supervisor i was told to go to branch and provide driver license SS card and my recent pay stub to personal banker so my account can be reopened. I went to branch and provided all requested documents and personal banker asked me to fax to number XXXX XXXX XXXX which i did, after couple days i called to get information i was informed they can not verify information. which is not accurate i provided valid and genuine documents and i was inside branch two different occasion. I do not want my account remain close because its my oldest account and it will have effect on my credit. 

I AM GIVING MY CONSENT TO DISCLOSE ALL INFORMATION HERE AND COMMUNICATE HERE IN CFPB WEBSITE Thank you
Product: Mortgage

Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. 

Thank you for your urgent help.
Product: Credit reporting or other personal consumer reports

accessed all XXXX reports from XXXX, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, XXXX, XXXX REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER MAY HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL XXXX XXXXL, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX XXXX. Owned : {$1100.00} XXXX XXXX XXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}
Product: Debt collection

XX/XX/XXXX is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form toXX/XX/XXXXand the bank after my savings account was frozen. 
Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX   XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by XXXX  that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that appeared in XXXX from XXXX on my Equifax report. Just Equifax. I originally disputed it with them. It came back as verified as mine. I contacted XXXX they couldnt find this account or ANY account in my name and Social Security in their records. They said " we cant send you anything that says this isn't yours since we are not reporting anything under your identifiers '' you will need to dispute this with the bureau again. I did. It was then removed. It remained off for months. Then reappeared. I once again disputed this with Equifax and was told its been verified as yours. How? Where is the proof. They have to provide me a copy of the lease/loan agreement with my signature, or credit app something! Nothing. Neither them or XXXX has ever done so. They just keep making this account reappear at will. It costs me XXXX XXXX points each time this appears. Its causing me financial devastation since I have NEVER had a late payment in my life or a collection account. Just this account that isn't mine appear and disappear. This has to be removed in full by XX/XX/XXXX at that point the debt is 7 years past the time whoever had this would be out of the statute of limitations. I shouldn't have to wait 3 more months for this to happen naturally since its NOT MINE!
Product: Credit reporting or other personal consumer reports

*** THIS IS MY 6TH TIME ATTEMPTING TO GET THIS CORRECTED*** on XX/XX/XXXX I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be XXXX  without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 
*** this is a clear violation under FCRA ** willful negligence in reporting i have provided 1099C forma to show there is NO DEBT and the credit agencies continue to allow incorrect reporting for almost 2ys and more in some cases i have attached : 1099c for 1 ) Equity prime mortgage ( debt has been discharged since XXXX ) XXXX ) XXXX XXXX XXXX ( debt has been discharged since XXXX ) 2 ) Us Department of education debt has been discharged since XXXX )