23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sent the balance of my account to XXXX XXXX XXXX, XXXX. My application number with XXXX XXXX XXXX, XXXX is XXXX. 
I received an email that said " Once you are signed in, you will see that you have XXXX options : You can pay the account in full and receive a XXXX XXXX  discount. You can set up a payment plan. '' I kept choosing to pay the account in full for XXXX XXXX XXXX discount but it kept reverting to the payment plan. I was told by customer service that they could not help me with this issue until I finished activating my account and paying the balance minus the XXXX XXXX  I did that and when I called back I was told I would still need to pay the {$120.00} which is the XXXX XXXX  discount. I have emailed XXXX XXXX XXXX, XXXX and received the following response " Once the account has been set up for financing on our end, we are not authorized to make any changes to it. You may contact XXXX XXXX XXXX at XXXX to ask for any further assistance regarding this matter. '' I contacted XXXX XXXX XXXX who told me I need to contact XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX calls, texts, and emails me constantly about the {$120.00}. I have explained to everyone that calls me about the issue but they refuse to correct it. I paid the amount owed in all at once minus the 15 % discount which is the {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  has violated my rights : 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 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: Credit reporting or other personal consumer reports

Lendmark Financial is reporting false information this account was charged off and I never received a 1099 C cancellation of debt from this company, I would like a copy of the 1099 C and verification it was filed with the IRS
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability claim referenced under section XXXX XXXX XXXX that has recently come to my attention. I want to clarify that I do not recognize the validity of this claim, nor am I familiar with your company. 

Upon reviewing the claim, I believe there has been a misunderstanding or error regarding the alleged debt. Specifically, I have not received any prior notification or documentation that would substantiate the existence of this claim against me. Therefore, I have several concerns that I would like to address : Lack of Documentation : I request a detailed account of the basis for this claim, including any associated documentation or contracts. 

Verification of Debt : Under the Fair Debt Collection Practices Act, I am entitled to request verification of the alleged debt. As such, please provide adequate proof that this liability is mine. 

Non-Compliance Under XXXX XXXX XXXX XXXX : I believe this claim to be in violation of the established regulations unless proper documentation is provided, indicating that no reasonable steps were taken to adhere to compliance requirements. 

I have enclosed copies of relevant correspondence that demonstrate my position on this matter. I kindly ask for a thorough review and immediate response. Please respond to me in writing by [ specific date, typically XXXX weeks from the date of the letter ], so we can address this issue promptly.
Product: Debt collection

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. As my earnest pleas for resolution regarding the inaccuracies plaguing my credit report seem ignored. I want to underscore that I am not just a statistic but a victim of identity theft, demanding immediate and resolute action. According to FCRA Section 605b, you are obligated to swiftly remove/block any account listed on an identity theft report. Enclosed are the necessary documents for expeditious action. The accounts in question, including 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, demand your immediate attention. FCRA Section 605B ( a ) mandates Experian to block such information within 4 business days. Immediate and unwavering compliance is not just expected ; it is demanded for the rectification of these rampant errors.
Product: Debt collection

This collection agency is in violation of the law and did not gave such validation also reported inaccurate and misleading information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again and the message machine said " I reached them outside of their business hours of XXXX, Mon thru Fri PST. It was XXXX PST when I called.
Product: Mortgage

Nationstar Mortgage LLC D/B/A Champion Mortgage Company file suite XXXX in XXXX XXXX on a reverse mortgage XXXX never took on a property I never owned on a mortgage I never signed. 
The law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. 
The demanding I pay or file a response with the court. 
Filing date XXXX2022 amount is XXXX I have contacted a lawyer. 
This is not my obligation it is not my debt. 
I also understand reverse mortgage are not the responsibility of any heirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in equifax and XXXX. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.
Product: Bank account or service

My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
XXXX5 U.S.C 1681 Section 602 A. State 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Vehicle loan or lease

On or about XX/XX/2021 I attempted to pay off the balance off my car loan in settlement of the entire debt, after getting no resolution form the agent, supervisor or manager, I asked to speak with the department head of the loan department. I was told that I needed to get a call back that was scheduled to be returned within 24 bto 48 business hours and that was the only way to speak with them. I never received any return phone call from the Bank of America Car Loan Department head, and I again made another call on or abpout XXXX XXXX. I again spoke with an customer service agent, a supervisor, and a manager and was again told that another call back would be scheduled and I would receive a call back from the department head within 24 to 48 business hours. i NEVER RECEIVED A RETURNED CALL. All of this time the bank allowed the interest to accrue on my debt daily, while I waited in accordance with their policy for a return phone call that never came On or about XX/XX/2021 I went into a bank branch and addressed the issue to a branch manager, who stated all she could do was put me on the phone with a car loan person, I again spoke with the car loan agent, then a supervisor, then themanager, but this time the manager transferred me to a person whom identified hiomeself as the car loan director. After some discussion he indicated that he would credit the payoff as being made on XX/XX/2021 since the banks failure to contact was their fault, and I notified him I would deposit the funds into the bank account to pay the balance. On or about XX/XX/2021, the same day, I deposited the funds into bank, and paid the entire balance of the car loan at the teller window. I was charged interest rate for XX/XX/2021 - XX/XX/2021, despite the fact that I paid the balance IN FULL on XX/XX/2021. The bank then took two days ( until XX/XX/2021, to credit my account. Even though the bank posted my payment on XX/XX/2021 ( When it was actually paid on XX/XX/2021 ) They still charged me and forced me to pay daily interest for XX/XX/XXXX - XX/XX/2021 in my final payment. I demanded that the clerk give me an accurate account of the bill, and the same day pay off amount but she stated it was nothing that she could do as the payoff amount through XX/XX/XXXX was what she showed in the system. I subsequently called bank of america again, and again spoke with a customer service representative, and supervisor, and magaer and was again told that I would receive a callbak which never came.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Credit Acceptance Corporation closed my account ( XXXX ) referring it to an outside lawyers office for handling. The account with Credit Acceptance was opened in XXXX of XXXX. After 5 years and 3 months of the account being reported as " Closed - Referred to Outside Collection Agency/Attorney '' - Credit Acceptance re-opened the account, along with falsely updating the payment status to reflect past due 120 days. During a time in our world where we are not promised tomorrow, I find it extremely disappointing this company would resort to these measures. Credit Acceptance is intentionally reporting these inaccuracies to further delay the statue of limitations of this account. As previously stated, with this account being reported as Closed since XXXX, it was scheduled to be removed from my credit report in XX/XX/XXXX. With the current reported information it has extended the time until XXXX. I never received any calls from Credit Acceptance requesting the account to be re-opened, neither the co-applicant or myself make any payments on this account nor were there any recent payment arrangements. In contacting the Credit Acceptance I spoke with a Supervisor by the name of XXXX - who stated the following : " I'm quite sure us reporting the account closed for five years benefited you but I have nothing to do with that ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, I bounced a personal check from XXXX XXXX in my BofA account. The reason I wrote it was cause my XXXX ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and XXXX XXXX shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were already sent.
Product: Mortgage

I am extremely upset with PennyMac and its loan modification team. In 2024, I was out of work most of the year and was able to make many of the mortgage payments. We needed help for 5 months and went on a forebearance agreement with PennyMac. I complied to all of their requests and spoke to them multiple times through the process including the monthly touchpoints. None of the advisors brought to light the fact that once I was back to work and able to resume my monthly payments that PennyMac would report my payments as 150 days late to the credit bureaus and significantly damage my credit score. So now, even if I wanted to sell my house, I would not be eligible to rent an apartment or house. Not only is this a deceitful practice but none of the representatives spoke clear English making me wonder and doubt if they understood my questions because their answers were so basic and repetitive. They would send me letters with extensions and names to call but I was never allowed to speak to that person ( wonder if they even exist ) and the phone agents could never connect me to their extensions and there was not an option to select their extension on the phone menus. Very deceptive and frustrating to deal with their organization.
Product: Checking or savings account

On XX/XX/XXXX I was contact from key bank about fraud on my card. I called the costumer service and was transferred to a number with a case number XXXX. I gave my information to resolve the issue. When I tried to order a new card the phone hung up and the voicemail message that was left disappeared. I cant get in touch with key bank. I took a picture of the XXXX number and searched with turned out to be a robo scam.
Product: Credit card

A fraudulent account was opened in my name. This account is now being collected by a collection company. The company has refused to provide the requested documents that i have written on 3 separate occasions. A formal complaint was placed with the FTC, cfpb and all 3 CRA 's, and they did nothing. Now that i know its a fraudulent account i am herby notifying all 3 bureaus and the CFPB, The FTC and the company. I recently was made aware that 3 separate accounts were fraudulently opened in my name and have since placed a fraud report on Identitytheft.gov and have named this company in the findings. The company was made aware the account was not started by me and refuses to remove or provide competent evidence the account belongs to me. I have notified the collection agency that the account is fraudulent via mail and phone and they refuse to send fraud documents and are still trying to collect the debt in violation of FTC 's notice to furnishers of information guidelines. This account is fraudulent and was not authorized or started by me. The company should have no problem providing a signed contract, or note with my signature if the account is valid. The reason they can not is because the account is fraudulent. Verifying my address and name can be done with a phone book and is not proper validation.