23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency is furnishing an alleged debt of {$2100.00} that is on my consumer report with all XXXX credit bureaus. The collection Agency HUNTER WARFIELD which is at XXXX XXXX XXXX XXXX XXXX, FL XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the XXXX things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from different credit repair agencies can be produced if need be.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XX/XX/XXXX, XXXX XXXX XXXX Credit Report Team about a duplicate inquiry on Equifax credit file ( XX/XX/XXXX XXXX. I was told the duplicate entry would be erased from Equifax credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. Equifax, XXXX XXXX XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
XXXX. No response from XXXX XXXX, after letter of verification sent. 
XXXX. Equifax reporting inaccurate personal information XXXX multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
XXXX. XXXX  reporting Incorrect personal information : Middle names are incorrectly listed as one name XXXX XXXX XXXX XXXX, when its actually two names XXXX XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Product: Debt collection

I called asked them to send me a letter of debt validation they told me they couldnt and still wont remove from my credit report I keep disputing it with all three credit bureaus and they keep pushing the date up on the collection acount I have asked them to remove all old names and addresses and they will remove them and put them back these addressses I can not receive us mail there they have continually ignored my request on all things that I have asked they keep saying it has been verified thats not possible I dont have a contract with midland credit management and it also states that it has a past due balance of {$930.00} it shouldnt have a past due balance I have been asking them to remove this misinformation off of my report they need to remove XXXX XXXX XXXX I live in another city I cant get mail there
Product: Payday loan, title loan, or personal loan

I refinanced my loan through XXXX and a distribution was sent to Marcus on XX/XX/2021, in the amount of XXXX via USPS with my loan number, XXXX noted. Since that time, I have opened two cases with Marcus to location the check and confirmed with XXXX  that the check was sent to the correct address below : Goldman Sachs XXXX XXXX XXXX, PA XXXX Marcus had delayed the posting of this amount and refuses to investigate the situation despite my to requests to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA XXXX The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX   {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX XXXX XXXX {$0.00} # 5 ) XXXX XXXX XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX XXXX XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX  {$860.00} # 12 ) XXXX XXXX XXXX XXXX XXXX {$31.00}
Product: Vehicle loan or lease

When I first purchased this car and put my money down I had problem after problem with the engine the engine light never went off the place I got the car from wouldnt fix anything and neither would credit acceptance they wouldnt even take the vehicle back
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX  XXXX XXXX   - XXXX  XXXX XXXX
Product: Student loan

I began attending XXXX XXXX XXXX XXXX XXXX XXXX for the fall semester of XXXX. I was seeking a XXXX XXXX in advertising. I applied for FAFSA and was fully enrolled. I began attending classes, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXXXXXX XXXX ( loan ID # XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That spring of XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. 

As of today, more than {$6.00} billion worth of loans are set to be forgiven for anyone who went to an XXXX XXXX school between XXXX and XX/XX/XXXX. The Biden administration said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card

on XXXX XX/XX/2023 started communicating with XXXX to reserve two tickets one for myself and one for my brother. the final communication was to charge each one of us on our credit card. but first, he charged both of us on my Capital One account which he later charged to my XXXX account and my brother paid on his XXXX account separately. On XX/XX/XXXX he sent me an email with an attachment of the ticket that was charged and did contact Capital One at first thought it was a fraud but later found out it was the agent 's fault for charging two different flights. I did not use the XXXX XXXX  as it shows a show for the flight I have been submitting and communicating with XXXX, Capital One, and the vendor. Capital One said they couldn't credit my account and they did not provide me with any reason. they said is past 60 days. all I need is to credit the charges which I have not used. according to their contract, they will be credited back for faulty charges up to. {$10000.00}.
Product: Credit card or prepaid card

Missed a payment due to the Nordstrom website not allowing payments. I was unable to connect to a phone and make the call. I was able to access the website via my computer but the website was broken and not allowing me to make a payment. Hoping to dispute these charges and get them removed to have less of an impact on my credit score when it was the company 's fault where I wasn't able to make a payment.
Product: Debt collection

DONT HAVE KNOWLEDGE OF THIS ALLEGED DEBT COMPANY NEVER SEND PROOF OF CERTIFIED MAIL WITH MY SIGNATURE ALSO THIS COMPANY IS NOT LICENSE TO COLLECT ANY DEBT IN TEXAS
Product: Mortgage

On XXXX XXXX, a QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT, VALIDATION OF DEBT LETTER, & TILA REQUEST was sent to Nationstar Mortgage on behalf of our client. Per RESPA law, we are required to receive written acknowledgment within a few days. On XXXX XXXX, nearly 17 days had passed with no acknowledgement. I called Nationstar and spoke with an agent who faxed me an acknowledgment letter dated for XXXX XXXX, advising their goal was that a full response to our request would be provided no later than XXXX XXXX, 2015. As we have crossed that deadline, today i called Nationstar to find out where our legally required response would be. I was advised by an agent named XXXX, that although they acknowledged receipt of the QWR verbally and in writing, and even established a time frame for this response - that Nationstar has seemingly ignored the complete request and we would have to send another to POSSIBLY get a response. As this violates RESPA and TILA protocols, we have escalated to complain through your regulatory agency, who has jurisdiction over RESPA matters.
Product: Student loan

Hello, I have been requesting financial assistance in repaying my loan with HESAA since XXXX of 2017 to maintain a good credit score and payment history. My attempts to arrange special payment arrangements with HESAA, such as stopping payments due or lowering my monthly payment -- have been futile. Their response is always to either ignore my applications or reply days later saying to resubmit the entire application with a list of proof and documents. After I email what they request, I get no answer so I assume everything is set and my payments put on a special forbearance, only find out later my account is behind and delinquent. 

I have the most recent emails and application for Financial Hardship I submitted, to which their response, once again, has been to resubmit with more documentation. They are requesting my last two w-2 's and my 1040. The documentation they are requesting I can not provide. I have not worked in years due to illness and I haven't filed my 1040 as of yet -- I have filed for an extension through my accountant. I became a widow on XXXX of 2017 and I no longer have any form of income. What little I have in the bank is for food and utilities and other basics only. 

HESAA has sent me and my brother, the cosigner, a wage garnishment letter. After I applied and requested financial hardship assistance with HESAA in 2017, the turnaround time between their replies and their requests for " more information '' and instructions to resubmit a new application, has taken MONTHS and they have placed me under a wage garnishment threat. Wage garnishment, as I understand it, isn't only for wages ( which I have none ), but they can only include tremendous lawyer 's fees and other penalties and they can freeze and take what little I have in savings and loans I use to survive. Once they take your bank account savings, it is very difficult to get back from them. 

I see this as pure abuse and HESAA has the power to simply ignore or purposely elongate the time to grant you desperately needed payment assistance. Of course, if I had the money to hire lawyers and take this to court, I would, but I barely have enough to survive so I am at the mercy of HESAA to freeze my bank account, tack on tremendous fees, come after my brother as cosigner, ruin my credit, and place me on welfare and state assistance.
Product: Debt collection

At this time Debt collections agency Team Recovery is reporting to the credit bureau two medical bills from XXXX XXXX XXXX that are not greater than XXXX XXXX XXXX. One is {$500.00} reportedly from XX/XX/year>. The second one is {$540.00} reportedly from XX/XX/year>. Attempt made to dispute that included requesting date of service, service provided etc as I dont have any notification of outstanding bills with XXXX XXXX XXXX XXXX When going to XXXX XXXX website and entering account number unable to retrieve details of service as it states no such account exists.
Product: Credit card

I have been in a dispute for over a year between my apple card ( goldman sachs ) and XXXX The current dispute case numbers are as follows ; XXXX ( {$92.00} from XX/XX/XXXX ) XXXX ( {$75.00} from XX/XX/XXXX ) in early XXXX it was discovered my XXXX account had been compromised and nearly {$400.00} ( {$390.00} ) worth of fraudulent charges were made. I reported these to apple/goldman sachs and was refuned all but the two amounts listed below. Since then, I have been fighting and disputing these charges. The case is opened then two months later the charges are found to be " valid '' by apple. I've contact XXXX with no resolve, even filling out an affidavit of theft and submitting it to goldman sachs along with all conversations between myself and XXXX and myself and goldman sachs. I don't know what to do anymore. This is theft and I'm at my wits end for getting this resolved. I would be happy to submit all evidence I have regarding these charges. Below are the dates for all the charges : XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$11.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$45.00} Again, I have all sorts of conversations and evidence to submit if you need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX SIMPLE # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.
Product: Mortgage

FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX,  shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.