23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victin of identiry theft were my XXXX Account was used to order multiple devices and new numbers. Despite my efforts to work it out with the company, we were unable to come to an agreement. I had 4 phones but only was paying for 2 because of a buy one get onefree promotion. I also had an unlimited data plan. Regardless of my 19 year history, XXXX hanged my plan without .y permission, denied doing it and charged me XXXX XXXX XXXX $ and XXXX $ last summer ( 2017 ) and they never removed the lines that had been added without my consent or knowledge. 
I left then XXXX of this year and went to XXXX. I received a final bill and paid XXXX $ for my final payment. 3 months later, XXXX sent my account to collections withiut notifiying me and did so with their television subsidiary ( XXXX XXXX for XXXX $ ). The tv charges were removed because i never received services but my final bill had changed from XXXX $ to {$3900.00}. The cell phone services were just for me and my duaghter who doesnt even use it really ( shes XXXX ). 

They have neglected their responsibilities and abused their power in a system set in their favor. I have proof of my payment and the final amount being incorrect, the termination fees and 2 phones could not be more the XXXX $ ( i paid 1 year already and they owe me credit from the mistakes they never rectified ). They have ruined my credit and made finding a home for my kid and myself impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a derogatory remark on my report from XXXX XXXX XXXX XXXX. This account should have been closed. XXXX  covered 80 % of the bill and I covered the other 20 % ... Just two nights ago I got a call saying I still owed the money and I told them I did not and that I would send them the receipt stating the money was paid. Before I could get the receipt in the mail and send it to them it was reported on my credit report again after months of fighting it and disputing it. This is the second time it has been reported. It was removed and it is now on there again. They sent it to another collection agency and Equifax had no right to put it back on my report. How do I stop them from harassing me? I also thought it was against the law if it is n't a contracted loan on my credit report. I need to know how to stop these people and get them to not put it on the credit report again. Why does Equifax give these people the right to do this to the consumers? And they 're harassing me, calling me late at night and being rude on the phone. Please help me stop these people from doing this to me. This should of been taking care by them, for i had XXXX XXXX insurance by them to pay the bill, and they should have responded to the insurance company. My health is affected by them, I want to sue them and how do I do this. These people need to leave me alone forever and stay away from my credit report. I need to do something about this immediately. Please again, help me.
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing just bought my mortgage from XXXX XXXX  XXXX XXXX. A person from the firm called me this morning and told me to gather my loan documents - she needed information from me. She asked me the location of my home, the last four of  my social security number without identifying the institution she was representing. I asked her who she was and what firm she was representing. She told me I had to call her back this evening, that she worked at Select Portfolio Servcing. 

I was notified by XXXX XXXX XXXX XXXX that they had sold my loan ; I have never been late on my mortgage payment. I took my mortgage out in XX/XX/XXXX. 

I called this evening and was told that this firm is a " debt collection agency ''. I do n't understand why my 30 year fixed rate mortgage that has never been late is in a " debt collection agency ''. 

The threatening nature of the call, the insistence that I give my personally identifiable information to an individual I do n't know frightens me. 

Is XXXX XXXX XXXX a " debt collection agency ''? I understand they " own '' my loan but what 's with the threatening behavior? They 've recieved my mortgage payment this month because when XXXX sent me the notice they 'd sold my loan, I put XXXX XXXX in my electronic bill pay immediately and paid before the due date. 

The women that I spoke to this evening told me my mortgage " was not in collections yet ''. 

I checked on the CFPB site when XXXX notified me that they had sold my mortgage to this firm. I am single, XXXX years old and work at a non-profit. I am bearly making it but pay my bills on time. My research indicate Select Portfolio Servicing puts their customers in collection w/out cause, forces people out of their homes. 

Please help me get this firm off my back. I can pay my mortgage but feel they are trying to put me in a category where they can abuse me and take my home. 

Thank you very much CFPB.
Product: Credit card

I purchased an speaker and I told the guy I wouldhave to come back and get it because XXXX too big to fit into an car a truckwould have to pick it up I told himI would call him if i could n't get a truckand if so will he just give me an refundi asked all of this before i purchase thespeaker he agreed. I called the next day talk to thegirl that works with him I think its it his girlfriend shesaid he was n't in and she would tell himi want to cancel the transaction she said ok ikept calling him i would be told he was n't inhe only works on Monday so i calledon an Monday still he was never in. 
i disputed the transaction this owner told chase ileft with the speaker that was XXXX feet tall imonly XXXX XXXX tall and it would n't have fit in my carhe presented an different receipt looks as ifit was altered ( read letters ) enclosed in theend he sent in no more than me Chase went withthe XXXX man over me that i took this speakerand left with it he said we took the speakeri went to his store and i have an link of himNOW STATING AS EVER WHITE PERSONSAYS " A TALL XXXX UNKNOW MAN '' picked up the speaker HE USES THE '' THE BLACK '' CARD EVERY RACE USETO GET OVER! Your Exe. XXXX XXXX whoI feel is very Prejudice as he wrote mea letter stating HE WILL NOT GIVE ME ACREDIT I called and called this man overand over he never returned a phone or didhe answer the phone I sent him the video link tohear this liar that we sent a ramdon tallblack to pick up speaker when hejust told chase i took it with me orHasani did when i XXXX was theonly one to pick it up that iswhy all my info is wrote on receiptSOMEBODY IS GOING TO GIVE ME MY MONEYBACK PLUS ALL FEES OR THE SPEAKERSIM LEFT WITH A BILL AND NO ITEM THATWILL NOT WORK TODAY OR NEVERI WILL BE SENDING PAPER WORKSMALL CLAIMS SUEING CHASE FORSTRESS DOCTORS BILLS PAIN & SUFFERING MISSED WORK DAYS FOR THETOTAL AMOUNT I CAN SUE FOR $ XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX MI XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these 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 accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - ; XXXX HOME XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX XXXX : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Mortgage

I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.
Product: Vehicle loan or lease

I found these unknown inquires on my credit reports. I didn't apply for any auto loan. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ally Financial Ally Financial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XX/XX/XXXX {$14000.00} XXXX  - XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$8300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Discover written off {$7500.00} for the credit card account on my credit history and they did not provide me with a copy of a 1099C. Tried reaching out to the company and have gotten no response from them. If Discover wrote this off on their taxes as almost for the company I was suppose to receive a 1099C. The status of the account currently states " Account charged off. {$7500.00} written off. {$7500.00} past due as of XX/XX/year> ''
Product: Credit reporting or other personal consumer reports

As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Mortgage

Shellpoint Mortgage Loan Servicing ( aka NewRez ) continues charging me {$1400.00} each and every month for my escrow/impound account, when the actual yearly total of my taxes and insurance is only {$8800.00}. Therefore, the monthly payment for the impound account should only be {$740.00}. I have asked them multiple times to correct this through an escrow account analysis or, alternatively, to remove my escrow account and allow me to pay taxes and insurance myself, but they refuse.
Product: Mortgage

I am a XXXX XXXX vet. I am exempt from property taxes which includes my mortgage why does Wells Fargo keep increasing my escrow. It seems as if my tax exemption doesn't matter or work for them
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Student loan

I have called several times to get information and filed a complaint with no response. I consolidated my loans in XX/XX/XXXX. I was placed in a 60 day processing forbearance to allow for the consolidation to process. I made payments in XXXX, XXXX and XXXX that were eligible for PSLF. I filled out an employment certification form to apply my payments to my PSLF count in XXXX. The form was processed in XXXX and my payment counts were not updated. When I called Student Aid, they said wait until midXXXX to see if they update. When I called back on XX/XX/XXXX which is after the 15 days for the complaint that I filed, I was told that my complaint went to Mohela and so I have to call them. The Student Aid PSLF service center said that my payments were not applied to my count because I am in the forced SAVE forbearance even though the payments happened before the forbearance started. I was also told that even though I was in a processing forbearance, May would not count because of the servicing pause, but my loans were still in the process of being consolidated and the counts and information on my Student Aid dashboard does not reflect a complete consolidation and it says that I still owe a payment on XX/XX/XXXX which is not accurate. I would just like my account updated to reflect accurate information so that I know how to proceed in the future. I work 3 jobs to pay my loans and pay bills.
Product: Debt collection

I have been disputing this account for years now with Portfolio Recovery. Each and every time that I ask for validation they show me a bill/statement. I reported them to the XXXX XXXX XXXX few days later this account was removed from my XXXX file. No one contacted me or anything all I know it was remove from XXXX. Then recently, I received a notification that there was a new collection added and when I looked it was portfolio recovery. This company has been in violation for years anytime I asked for validation by law they are supposed to remove it from my credit file while investigations are going on. They have never done that. When they respond they respond with a bill. Then they claim that I had a original contract with XXXX  XXXX. I am demanding to see the contract between me and the ORIGINAL CREDITOR OR PORTFOLIO RECOVERY BEARING MY SIGNATURE. A statement, a bill is not an original contract.. please show me my signature that you claim I signed obligating me to this debt. I am entitled as a federal protected consumer. I also have the right to privacy under law. I also never gave you written instructions to report on my credit report. In addition, please show me where I gave Portfolio Recovery WRITTEN INSTRUCTIONS. IF YOU CANT PROVIDE ANYTHING I ASK FOR YOU HAVE TO REMOVE THIS FROM MY CREDIT FILE AND CEASE COLLECTION AND LETTER STATING THAT I DONT OWE THIS COMPANY ANYTHING. I have been responding since your initial communication but you have not given me what I asked for. A bill does not prove my ownership/obligation to a debt. Also, PRA deleted this tradeline and then put it back. NEW YORK STATE HAS UPDATED LAW WITH DEBT COLLECTION PRACTICES. PROVIDE CONTRACT WITH MY ORIGINAL SIGNATURE. PLEASE PROVIDE THROUGH THE CFPB PORTAL PROOF OF THAT CONTRACT AND APPLICATION IF YOU CANT PROVIDE DELETE IMMEDIATELY.
Product: Vehicle loan or lease

In XXXX of 2022 I went with a friend to support him to lease a vehicle with XXXX XXXX in XXXX NJ. During this time I attempted to support my friend by co-signing on a lease for the car. During this time I became a victim of consumer fraud. I was mislead to believe that I was only co-signing for the friend. Instead it actually appeared on separate documents that I was the owner of the car. I also believe there were documents that Honda attached my signature to that I did not sign. Finally, Honda approved a 1099-A that absolves me of the debt. My credit score has crashed as a result of this car that is absolutely not mine. I would like this off my credit report and can submit any documentation required.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX- Account Number XXXXXXXX XXXX XXXX -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports more than XXXX years. 

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.