23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : MERCANTILE ADJUSTMENT BUR # XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Mortgage

I have been trying to do a loan modification with Chase and all they do is give me the runaround I'm 72 mo behind they dont let me make payments I have aens all doc in but always asking more
Product: Credit reporting or other personal consumer reports

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile..
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I was apart of the credit inquiry problem that transunion had when they took the inquirys away then put them back
Product: Debt collection

Hello, Today XXXX XXXX representing Harbor Front Acquisitions, LLC contacted me and also called a relative of mine. XXXX XXXX left threatening messages on both of our voice mails and falsely claimed that he was calling in regards to a file assigned by the state. He also said that I had serious allegations against me. When I called XXXX XXXX back he explained that he was calling on behalf of XXXX XXXX XXXX and stated that they would pursue criminal charges against me if I did not cooperate. I explained to XXXX XXXX that I was unable to discuss this issue over the phone as I was at work and I requested that he send me information in writing. I also explained that I had no way to verify he was who he said he was. XXXX XXXX told me that the next documentation that I would receive would be in the form of a lawsuit. 

I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/ to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I asked Experian, and XXXX to reinvestigate all disputed accounts in question on my credit file as of XXXX XXXX. I sent everything in to all three Credit Bureaus by certified mail, every document. I have asked what method was used to verify it was I that supposedly opened these accounts and I requested a copy of my signed signature with my name and address on the original contract. I did not receive anything back. My disputed accounts have been ignored since XXXX of XXXX. It's been way over the 30-day mark. By State and Government law, these disputed accounts were not removed. This is a violation of my rights.
Product: Debt collection

For the past several months on my landline called ID a company named Portfolio Recovery has called and left no messages therefore I am familiar with the name. Today, approximately 25 minutes ago this company call my daughters cell hone and asked to speak with me and stated it was a personal matter and could not give her details. I than called the call back number for " Portfolio Recovery '' and asked what this was in fererence to giving my name only. They wanted my date of birth which I DID NOT provide as I feel this is a scam on my behalf. I am a low income XXXX XXXX with no credit cards nor do I own a home and I am on XXXX XXXX My concern is how and why they have called my daughters cell phone and I am frightened they may now have her personal information as well as any financials. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, I noticed a collections account pop up on my credit report that I am not aware of. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

This loan was paid as agreed and paid off with additional late fees that were disputed by myself but I felt forced to pay due to One Main requesting i pay the end part of my loan on full and included the XXXX dollars in fees. I was in the hospital for last two months and i still managed to pay off this acct as agreed as reflected on my report with all current payments. When explained and the response to the incorrect reporting was insensitive on One Mains part and this should discourage people from doing business with this company due to improper handling of situations concerning their long time customers.
Product: Debt collection

I have been instructed by XXXX XXXX of XXXX to file this complaint. Please see case # XXXX, the representing firm for XXXX XXXX XXXX XXXX XXXX had no knowledge or information concerning this debt. 

Scott & Associates PC are claiming to represent XXXX XXXX XXXX XXXX XXXX and are seeking collections costs for a previous debt company.
Product: Checking or savings account

On XX/XX/18 I received a text alert from XXXX  XXXX XXXX regarding suspicious debit activity in Florida. I contacted XXXX XXXX XXXX and told them it was not me and put my account on hold. I later discovered that the unknown suspect had used a fake California license and my social security number to request a temporary debit card. I did not give anyone permission to use my information nor withdraw funds from my checking account. A new debit card that I never requested was mailed to my address in XXXX XXXX, CA a few days later. Additionally, I found out that another debit card linked to my account was over-nighted to someone named XXXX in XXXX, FL. I never received an authentication code nor an e-mail from XXXX XXXX XXXX. The unknown suspect withdrew a total of {$6000.00} from two branches of XXXX XXXX XXXX located in Florida. The unknown suspect also used the temporary debit card at XXXX and XXXX in Florida and applied for credit cards with XXXX XXXX and XXXX XXXX XXXX. I was at work in XXXX XXXX, CA when the events herein occurred and have never been to any of the locations where the transactions took place.
Product: Mortgage

IN THE PREVIOUS COMPLAINT WITH CFPB REGARDING THE FACT THAT I PAID AS DIRECTED BY OCWEN FOR THE XXXX MODIFICATION FROM XXXX, XXXX EVERY MONTH, {$660.00} PER MONTH, UNTIL XXXX, XXXX. OCWEN CLAIMS THAT A PERMANENT MODIFICATION WAS SENT IN XXXX, XXXX. IN FACT, OCWEN DID NOT SEND THE PERMANENT MODIFICATION. 
IN FACT, THE PERMANENT MODIFICATION WAS SENT BY AN UNKNOWN LAWYER FROM AN UNKNOWN COMPANY THEREFORE IT WAS NOT RECOGNIZED AS A DOCUMENT COMING FROM OCWEN. THIS IS MORE EVIDENCE OF THEIR ILLEGAL ACTIVITIES. 
THIS LAWYER WAS NOT ASSIGNED TO THE LOAN UNTIL XXXX, XXXX. 
OCWEN REFUNDED THE PAYMENTS FOR THE MONTHS OF XXXX, XXXX, XXXX AND XXXX, XXXX. REFUNDS ARE NOW DUE FOR XXXX, XXXX, XXXX, XXXX AND XXXX, XXXX. THEY CAN NOT BE APPLIED TO THE LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these fraudulent charges IQ DATA from my credit numerous times. XXXX is done with their so called investigation less than 24 hpurs after i dispute it and now won't allow me to dispute it at all. BOTH other reporting agencies have removed it because it is unlawful. 
In XX/XX/2018 my XXXX XXXX XXXX daughter were in a XXXX  XXXX situation for our safety I had to leave the state abrubtly and relocate..XXXX XXXX XXXX ( purchased by XXXX homes AFTER my tenancy ) was aware of the situation. Never once was I informed of ANY of the charged they are reporting fraudulently. That home was left unlocked with a key left the inside at THEIR request. I have requested documentation for this {$16000.00} debt that is OUTLANDISH and haven't received anything from either company detailing WHAT and HOW I owe that money. I was never notified of the debt or given the opportunity to defend myself against this debt or even that it existed at all until it hit my credit. If there's a judgement I was never informed That's FRAUDULENT and illegal! It's been disputed a thousand times it's been completely removed from my other reports as FRAUDULENT and now i need someone to PLEASE help me remove this absurd amount of non existing debt that wasnt incurred by me from XXXX. This has held me back from having a place to live for my child for 2-3years and I deserve answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.
Product: Checking or savings account

Over 15 fraudulent Atm withdraws were done XX/XX/XXXX totaling to {$1700.00}. A claim was open with Chase claim department which an investigation was made and claim they were all legit transactions. I requested for claims to be reopened for further investigation, no help! Phone representative states it could not be re-open If there isnt new evidence. I went into the branch with police report, branch manager spoke to claims department to reopen the claim. They stated the same thing, unable to open claims due to no new evidence. This was sent over to escalating department over 2 weeks ago. I still havent heard back from them. I want these claims to be opened for further investigation and for my money to be returned to my account ASAP.
Product: Student loan

Graduated from XXXX XXXX XXXX Bankruptcy filed XXXX - Have paid on Student Loans during that time. 
Borrowed {$36000.00}. Have already paid back more than {$80000.00} and they are telling me I still owe more than {$100000.00}. 
Someone please tell me how this is not extortion? Since when could financial institutions charge more than 4 times what they lent out? 
My student loans are currently paid in full 2.76 times what I borrowed. 

Upon request I am more than willing to provide communication and records of amount paid and amount still owed. I just need to see a light at the end of the tunnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from XXXX XXXX saying we were turned down for loan. We never asked to apply to XXXX XXXX. Dealer never mentioned XXXX XXXX or that they were going to apply. Never signed a credit application for XXXX XXXX. 

This hard inquiry will negitively impact my credit score. I never requested a loan from XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX, I emailed the Escalation Department about my 2nd Deferment and on XX/XX/XXXX, the response I received was unacceptable and irrelevant to my inquiry, in other words, the response omitted or did not mention details about the second deferment. 

On XX/XX/XXXX I sent another email request to the Escalation Department regarding the 2nd deferment but that request has gone unanswered, so I am filing a complaint for assistance. 

I was granted 2 deferments. The first was a ( verbal ) forbearance that converted into a deferment from XXXX, XXXX and XX/XX/XXXX. 

The second deferment was in ( writing ) and signed by a Shellpoint officer. See attached. HOWEVER, THE SECOND WAS NEVER HONORED AND NO ONE HAS PROVIDED ANSWERS. I received a cover letter dated XX/XX/XXXX with an enclosed written deferment agreement dated XX/XX/XXXX XX/XX/XXXX. The cover letter stated that the deferment was granted but correspondence might not have been sent to me. 

The written deferment agreement was signed and dated XX/XX/XXXX by Shellpoint Officer ( XXXX XXXX XXXX so why I was told on XX/XX/XXXX ( all calls into Shellpoint Servicing are recorded and I recorded calls too ) that I was not granted a second deferment and if payment is not made ( by the next day ) XX/XX/XXXX, that a late fee would be assessed and if no payment is received by the XXXX, then possible negative credit reporting, upon hearing this, I panicked, scrambled up a payment and made it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 5 accounts all show late 120 days, but they are collections and shouldnt show past due, this is a violation delete immediately
Product: Debt collection

The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide
Product: Debt collection

I checked my XXXX  credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX and XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to XXXX. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company.

At this time I will also inform you that your office reporting invalidated information to to XXXX  constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All Navy FCU accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Between XXXX and XXXX Called to get payoff wasnt what I expected
Product: Credit card

Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX cards, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN XXXX DAYS!
Product: Debt collection

Newly opened checkings account fund were garnished by a 3rd party debt collector on a debt from a joint account opened in XXXX. Original outstanding debt before my moved out of a state in XXXX was around {$6000.00} ... debt was bought by a 3rd party debt collection agency and moved a judgment against me, which was renewed in XXXX and is now at {$19000.00} I was not notified or no communications attempt about garnishment. 
is this illegal?
Product: Checking or savings account

In my checking account with US Bank I sent my rent check for {$820.00} to my landlord for my XX/XX/2025 rent. US Bank only paid {$530.00} to my landlord instead of the {$820.00} I made the check out for. The bank 's excuse was someone thought the check said {$820.00} so only paid the aforementioned amount when actuality the hand written amount beneath the digital amount on the check stated XXXX XXXX twenty-five and XXXX. I phoned them on XX/XX/2025, and questioned why they only paid part of the amount and the above was their replay and stated they would pay the remaining amount of {$290.00} and they responded they will be sending the rest of the amount. To date, my landlord has not received this yet. I am afraid I can not come up with this amount as I am XXXX XXXX XXXX and live on social security retirement. I do not get paid until the 3rd week of this month XXXX and am not sure I would be able to come up with this amount if the bank does not make good on their promise to submit the balance.
Product: Credit reporting or other personal consumer reports

This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.
Product: Debt collection

The debts from RMP Services LLC appears to be a debt collector. I originally owed XXXX XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX ) for medical bills which I could not pay. 

I was told that the debt would not go to a collector due to the hospital is deemed a county hospital, for uninsured, insured. I would like all the debts for this company removed if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST PREMIER BANK is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Product: Credit card or prepaid card

Back in XXXX I took advantage of a balance transfer offer that would end on XX/XX/XXXX. I paid a 3 % balance transfer and it was a 0 % APR interest offer. 

In XXXX I received a notification that I should take advantage of another offer, that would end in XX/XX/XXXX, at 1 % APR, for which it also had a 3 % balance transfer fee. Seeing the opportunity, I transfer some other debt that I had with this offer. 

Come close to XX/XX/XXXX, I noticed that my payments were not reducing the amount for the offer that was going to be finished in XX/XX/XXXX, I even made a huge payment to remove the balance for that debt, but it was applied to the offer that would end in XXXX. 

Now in XX/XX/XXXX, the offer for XXXX is already paid off, but the one for XXXX is going to accrue interest because not much was applied to this balance. 

I requested them to go and apply my big payment to the account saying that it does not make sense to apply it to something that was going to expire in XXXX. 

In other credit services, there is a way for the consumer to choose how balances are applied because set rules are not always the best for the customer, and at least you let the customer make the mistake, but it is not fair that the financial institution sets you up with an offer, misguide you on how the payments are made and trow your financial planning out of the window in order to collect additional interest. 

I understand that the payment order was on the agreement, but that is something not easily understood and you would have think the Financial Institution was better at common sense.