23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sent this from grain technology stating they are not a debt collector but a first party servicer mean while they are a third Party server -which are under FDCPA regulations and is license for it .. which is a debt collector and in fact send me a bill stating a owe a past due amount and refusing to verify the debt they claim Owe to them .... I sent a debt validation letter including cease and desist order.. to advised them to show where I signed and agree with these terms, the amount the sign agreement they are refusing to previously I was getting emailing stating to verify my identity and needed my social from them. 


This is what they sent me by email not writing At the outset, it is important to note that Grain is not a Debt Collector but rather the first-party servicer for creditor partners. By definition, creditors and first-party servicers are excluded from the debt validation requirements because they are not debt collectors under The Fair Debt Collection Practices Act ( FDCPA ) .As such, its important to note that under the FDCPA, debt validation is not required of a first-party servicer. 

To open an account through Grain, a user must first acknowledge and agree with the Grain Terms of Service, Partner Credit Agreement, and Account Opening Disclosure. After that, the user can refer to their Account Opening Disclosures and Credit Agreement at any time on the Grain Application or refer to the copies sent to the email address the account holder used to sign-up to Grain. 
During the life of the customers credit account, that account is serviced by Grain, including the provision of monthly statements and, through Grains technology, the payment of monthly minimum fees to the associated creditor partner. If the user misses a payment, they will receive notices via the Grain application and/or the email used at sign-up. In doing so, Grain is not a Debt Collector as defined under the FDCPA but rather a first-party servicer. 

If a customer seeks to report that an account was opened without their consent via identity theft or otherwise, a case is opened with Grains compliance department, and an investigation is conducted.
Product: Mortgage

I paid the XXXX XXXX XXXX XXXX people to negotiate with my lender for my loan modification ... .... and theyve ask me to pay {$16000.00} dollars up front, they say this will served as a bond and would be refundable after the loan modification is done. This was way back in XXXX. And then last year if Im not mistaken XX/XX/XXXX, theyve ask me to pay another {$6500.00} dollars for their legal team to handle my loan modification. Then sometime in XXXX of the same year, they send me a confirmation letter that the said modification was already been approved and theyve asked me to pay in advanced the 3 months probationary period so that according to them they can be able to negotiate for a lower monthly payment, which I did.I paid them more or less another {$7000.00} dollars.Then after 3 months I called XXXX XXXX, XXXX aka XXXX XXXX and a certain XXXX XXXX XXXX, that the probationary period already ended and how come I havent received any regular billing statement from the lender. Theyve told me that I was lucky because the lender doesnt ask me to pay anything yet and maybe theyre still evaluating my monthly payment and they assured me that nothing to worry about cause my case are well being taken cared off. I went spoke to them last XXXX of this year, I even told them that one of this days I might receive a foreclosure notice from the lender, and they assured me that thats not going to happen. Then after a month, sometime in XXXX the thing that Im worrying about happened.I received a writ of ejection notice from the lawyers of the bank. And I tried to call this people but can not reach them, I think they de-activated their phones. So I still try calling their office and to my success I was able to speak with XXXX XXXX XXXX, Ive ask him why I couldnt reach XXXX XXXX, he informed that shes in XXXX cause the in law is dying, I told him that what I know she was divorced from the previous marriage and he told me that was the boyfriends mother.Ived told XXXX that I feel like Im getting scammed, he told me theyre doing everything and will update me.Ived waited for their update but it doesnt happens.So I decided to call them again but to my dismay the only thing I got when I dialed their number that it was temporary out of service. Now to hold the foreclosure proceedings for the meantime, I filed a chapter XXXX bankruptcy.Tomorrow XX/XX/XXXX, Ill be attending the said hearing at around XXXX XXXX Hawaii time. With this problem that Im facing right now, I wish that your good office can help me negotiate with Mr. Cooper ( XXXX ) to be able to secure the loan modification that Im trying to for the past 3 years. Hoping that you could help me save my property from foreclosure. Looking forward for your help. Thank you very much in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Fancy law has harassed me, took money out of my account without notice twice. I have been paying on time the one month my credit card info was stolen and I couldnt pay she threatened to sue me and garnish all my wages until paid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ). XXXX U.S.C XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ) XXXX U.S.C XXXX ( a ) ( 1 ) ( A ) - ( B ). As highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations i request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation .The accounts as follow XXXX Account Number XXXX XXXX Reported Balance {$440.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT Accounts and XXXX increase off my credit profile from XXXX XXXX and Trans Union immediately! 

XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX has violated my rights.

15 USC 1681 Section 602 Section I have the right to privacy.

15 USC 1681 Section 604 A : Section 2 : It also states a consumer reporting agency furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

Spoke with XXXX XXXX from National Credit Systems in XXXX Ga, several times regarding my collection account. She notified me of the amount that was owed. In addition, explained I could pay as low as $ XXXX/ month, to prevent my account being reported to the credit bureaus. I asked repeatedly what all necessary steps I must take to get this account situated without being reported. She explained as long as I make the monthly payments, and call her to verify the transaction approval ; my account would be satisfied. I asked if it would be okay to pay the account online with my credit card. XXXX confirmed that method of payment would be sufficient. I agreed to pay $ XXXX/month, and received verbal confirmation from XXXX. As I continued to make the payments in XXXX, XXXX, and XXXX. I was notified that the account was still reported to the credit bureaus in XXXX due to neglect to make on-time payments. I contacted XXXX directly to dispute the concern ; I explained to her that I received a mailing notification that my account was reported even though she stated several times it would not due to my on-time payments. She placed me on a brief hold to research the account. Shortly, another woman picked up, and explain XXXX was with another customer and she would be handling my concerns going forward. I explained to her my situation. She confirmed that XXXX provided me with false information. I needed to setup re-occurring payments through my banking account, and paying online with a credit card was not a qualified method of payment. I asked could this be disputed due to negligence on National Credit Systems representative providing me false information. She explained that they could not dispute the charges despite I made on-time payments, but was giving false information of the method of payment. I asked to speak to a manger/ or supervisor. Once I spoke to the supervisor, I explained my situation. Once again, I was told they could not dispute my case. In addition, the supervisor said my $ XXXX/ month was too low of a monthly payment. I explained to her that XXXX told me I could pay as low as $ XXXX/month. She continued with saying I needed to pay the amount in full over the phone that moment to have the situation handled. I explained to her that it was unfair that my account was reported even though I made on time payments, but have to suffer due to her representative providing me with misleading information. I made on-time payments, and I was never told I had to specifically setup reoccurring payments with my banking to prevent my account being reported I was told that all calls were recorded for quality assurance, and legal purposes. I asked to receive a copy of the recordings, to have proof that I was giving false information from my account representative, therefore I could dispute the case on my own. The supervisor explained, that the recordings were property of National Credit Systems, and she would not release them to me. I explained if I could not receive the recording, that I may have to take legal actions ; due to Misrepresentation, Misleading Information, and/or Fraud.
Product: Debt collection

This company is a scam.

You send a complaint to LVNV Funding and then get information about a sister company called Resugent Capital Management. ( Send Below ) Your Account Has A New Owner : LVNV Funding You still owe your debt but the new owner is LVNV Funding. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Resurgent may contact you directly or may ask one of their collection agency partners to help them reach out to you. 

I've send certified letter to both of these companies over a series of months. I asked for proof this debt was mine and they ONLY sent a statement to my mailbox. 

I told them, I NEVER received this card. Anyone could have used the mailbox and forwarded it to another address. 

They still have not removed this false account from my report.
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX credit report after not reviewing it for some time. To my surprise, I noticed a Bank of America credit card listed under my name or Social Security Number ( SSN ). I have never opened a Bank of America credit card, so Im unsure how this occurred. This unauthorized credit card record appeared on my report. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding this issue. However, when the dispute results came back on XX/XX/XXXX, they refused to remove this incorrect Bank of America credit card record on my report. 

I contacted Bank of America directly, and they confirmed that I do not have any account or credit card with them. I am requesting that XXXX remove this erroneous Bank of America record from my credit report immediately to prevent it from negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX Banking to U.S. Bank as of XX/XX/2016. I had already made my mortgage payment for XX/XX/2016 on XX/XX/2016 to XXXX XXXX XXXX XXXX as soon as I received a letter saying my loan will be transferred I called and XXXX advise me that my payment and loan information will be transferred over to U.S. Bank. On XX/XX/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are accessed or any late notices reported to the credit bureau. I have been calling U.S. Bank in regards to this issue and they say they received the loan information from XXXX XXXX XXXX but never my payment for XX/XX/2016. I then had a manager from XXXX XXXX XXXX XXXX to call U.S. Bank and advise them that all loan information as well as the payment was transferred over on XX/XX/2016 the representative from U.S. Bank then advise XXXX XXXX XXXX to fax over the balance on the loan and the last payment that was received I was also advised to send over my bank statement where the funds were deducted on XX/XX/2016 for my XX/XX/2016 from my XXXX XXXX XXXX Checking Account the fax number that they gave me was XXXX. I called back 3 business days later and no seems to know where the faxed information that I sent over was and they did not receive anything I then asked the representative what happens with my payment and the response was we have n't received anything you would have to send another payment or you will go in default.
Product: Credit card or prepaid card

My statement dated XX/XX/XXXX stated that my minimum payment due was {$92.00} and I needed to pay {$200.00} to avoid paying interest on my PayPal Credit balance by XX/XX/XXXX. 

I paid {$92.00} on XX/XX/XXXX and I paid {$200.00} on XX/XX/XXXX. 

The {$200.00} should have been applied to XXXX XXXX in the amount of {$81.00}, which consisted of 2 late fees at {$40.00} each plus interest, and to a No Interest If Paid in Full charge in the amount of {$120.00}, consisting of the remainder of a deferred interest promotion plus interest. 

Instead, the {$200.00} payment was applied to another deferred interest purchase, which was not due until XX/XX/XXXX. 

When I paid my next bill, I paid the remainder shown on that deferred interest purchase, in the amount of XXXX, as shown on the PayPal credit website, unaware that my previous payment had not been allocated correctly the previous month. 

This confusion caused me to unknowingly carry a balance and accrue more interest under " standard purchases ''. I had signed up for paperless billing and detailed statements were not available to me to understand how I was being billed. My statements on their website would not even upload. It was not until I had paper statements sent to me after calling to inquire why my balance was listed as higher than what I owed on a deferred interest charge that I was able to figure out, with much difficulty, what had happened. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about their hidden statements on their website, and have not yet received a response from the company. 

On XX/XX/XXXX, after receiving the paper statements, I called and requested that the interest I have been charged because of their misallocation be subtracted from my bill. They said they could only subtract one month 's interest. I said this was not satisfactory. They continued to claim that the interest charges were valid and hung up on me.
Product: Checking or savings account

On XX/XX/2022 to XXXX XXXX Someone hacked, Spoofed, Pirated, Accessed my Wifi to get into my phone to Access my Wells Fargo Bank Account. Once this scammer Accessed my Wells Fargo Bank Account they made 36 Unauthorized XXXX Money Transfers to another account totaling {$5000.00}. I reported this Unauthorized activity to Wells Fargo Fraud Department. But Wells Fargo did nothing. Wells Fargo didn't even contact XXXX. From the start I told Wells Fargo that I did all my banking from my phone and my phone had to have been hacked. All Wells Fargo could tell me was that the transfers came from my phone, and that I made the Transfers. I tried to explain that when your phone is hacked and a scammer steals your funds, the scammer has taken over your phone so yes it will show that the transfers was made from my phone. But Rather than do their job and investigate, Wells Fargo seems to think I did this. I did not authorize these transfers, I did not authorize anyone else to do this. I have no idea who did this. I want my funds {$5000.00} returned to my account. I have hired a law firm to represent me and Wells Fargo has already been served the Legal paperwork to start the Legal Process. I have also Filed a official Fraud Complaint with the Indiana attorney general 's office. I have also Filed a complaint with the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo and XXXX  should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from wells fargo XXXX    XXXX XXXX XXXX  name goes on and on
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Experian 7 times in 7 days and held for one hour and when they answered and then transferred me to a dispute person, i was disconnected each time. 

I would like to have someone call me immediately at XXXX and if I do not answer, I would like for them to leave their name and direct line to call them back.
Product: Mortgage

I have a home which was damaged by water. We received the homeowners insurance proceeds. These proceeds were made payable to me and the mortgage company, Roundpoint mortgage. We have provided Roundpoint mortgage all documentation to release said funds so we can get the repairs done and move back in the home. Each time we call to see what the delay is, they request for additional documentation on the contractor. We are behind on the mortgage and are submitting a loan modification, but we really need Roundpoint Mortgage to release the funds so the repairs can be done.
Product: Credit reporting or other personal consumer reports

Credit bureaus rejected to investigate my hard inquiries dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO XXXX XXXX ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a request to TransUnion and XXXX asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and noticed accounts reporting that I don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX here in XXXX Texas, when trying to trade it in I had issues. I went to the XXXX Dealer -XXXX XXXX they advised me the finance company SAFCO is not one they use. I explained it was their sales manager that did the financing. I eventually called the finance company to come and get the car. They sent a company. About 4 months later I called to get the paperwork as required by Texas repo laws. They said I did turn the car in. After numerous calls this company decided to report late every month for the past year after confirming the resold the vehicle. I gave the car back in 2016.