23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed for Chapter XXXX Bankruptcy in XXXX in XXXX. I have been consistently making my Trustee payments. XXXX XXXX XXXX HELOC was included in this bankruptcy. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will no longer service my loan. The new servicer will be Specialized Loan Servicing, LLC. I never received any information from Specialized Loan Servicing regarding my account, monthly payment amount, and how to submit payments. I attempted to set up an online account with Specialized Loan Servicing ( SLS ) and was prevented from doing so. I called SLS and spoke to XXXX and he told me to pay {$830.00}. I called my attorneys office ( XXXX XXXX and spoke to his legal assistant XXXX to inform her that XXXX has not provided me with any account number nor any written documentation regarding my loan. My attorney contacted XXXX  and XXXX  wanted me to pay {$4000.00} to start a payment plan. I told my attorney that I only have {$3000.00}. I sent a personal check to XXXX for {$3000.00} and XXXX sent the check back to me. Around this time I noticed XXXX charged off approximately {$80000.00} onto my credit report. Again, I contacted XXXX at my attorneys office to let her know XXXX  did not accept my XXXX payment and has now put the full balance owed on my credit report. XXXX told me she will contact XXXX. I told XXXX that I will not make any payments unless XXXX pulls the loan back from my credit report and provide access to a monthly statement. On XX/XX/XXXX I received a formal Creditors Certification Of Default from SSLs attorney XXXX XXXX XXXX, XXXX, XXXX, Fl and sent to the US Bankruptcy Court Chapter XXXX, Case No. XXXX. XXXX is proceeding to foreclose on my property without even giving me a chance to pay. XXXX  also never introduced themselves to me by lette, nor did XXXX provide a payment plan as they should have since this is an active Chapter XXXX bankruptcy. XXXX  was also making it difficult to make payments because they only wanted me to use Money Orders or Certified Cashier Check.
Product: Credit reporting or other personal consumer reports

Transunion Information Services violated the FCRA 15 1681 ( a ) ( 1 ) ( 4 ), by furnishing my credit file to lenders without my permission. I have several inquiries on my credit file, that has been recorded under my social security number, and furnished to lenders of whom I have not done any business with, or do I have account with. I am asking Transunion Information Services to remove the fraudulent inquiries from my credit file. Attached is an FTC Statement that outlines the information that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called out to Experian at phone # ( XXXX ) XXXX on XX/XX/XXXX I spoke with a representative by the name of XXXX in the dispute department, I explained to her that I sent in a dispute letter to Experian dated for XXXX XXXX she confirmed Experian received the dispute on XX/XX/XXXX, I ask them why did they not delete the accounts I disputed, she advise me to give them a example, I said I Disputed a account with XXXX XXXX XXXX account # XXXX and instead of Experian doing investigation she advised they notified XXXX XXXX XXXX which gave them the right to update the account instead of doing there own investigation and finding it to be inaccurate to delete the account, she advised me that the account can not be deleted if even if its inaccurate according to FCRA , she advise the only way for the account to be remove is the creditor must send in a delete letter. This is very inaccurate according to FCRA.
Product: Credit reporting

reinstating the same ole stuff plus i can ; t get information about my credit because I answer all the question to identify me and they said it wasn ; t me and thats because they have set me up for some one else. and there not trying to hear me.i.m XXXX and need some one check this situation out.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.
Product: Credit reporting or other personal consumer reports

Account as it appears on my XXXX file : Monterey Collections SV XX/XX/23 for {$3700.00} Incorrect Address : I have also seen on my profile that your reporting incorrect addresses that doesnt belong to me please update my address as it appears on my drivers license. This is my only accurate address. All other addresses should be removed. 
Correct Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against a collection agency that has placed a collection on my consumer report without adhering to the legal requirements outlined in federal law. Below are the specific violations I believe have occurred : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer report, which is unlawful without proper validation.

2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the ability to contest the validity of the debt before reporting it is a clear violation of my consumer rights.

3. Misleading and Deceptive Practices : The collection agency has employed false, misleading, and deceptive means in their attempts to collect the debt. This is a violation of federal law, which prohibits such practices when interacting with consumers.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to furnish any account information to consumer reporting agencies without first providing all required disclosures. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate specific procedures and disclosures before a debt can be reported to credit bureaus.

I request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are protected. I also seek the removal of the erroneous collection account from my consumer report and any other remedy deemed necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

Medical bill was from workers compensation case. I have given company the information for the case and they refuse. I asked them to send me a bill then so I could submit it to the workers compensation company and again they refused. This company sounds like a huge scam that just wants you to send them money. I contacted the hospital where Credence states the bill is from and they have nothing.
Product: Debt collection

Debt collectors harassing me, they keep texting and calling my phone.
Product: Mortgage

Closing date was XX/XX/2022. 
What was not disclosed at closing was the Note-Promissory note that I signed paid for the house, then moments later after signing Mortgage that I conveyed the paid in full house back to the XXXX XXXX XXXX None of the information above was disclosed to me about what just took place. 
This is mortgage which they the lender are having make payments to them on a loan I never received plus the house was paid in full because the Note was monetized deposited into an account which it was accepted for value to pay the seller. 
I have done research on this for several months now.
Product: Debt collection

Debt was never incurred I paid traffic fines within time allowed in XXXX. This is a total scam. On XX/XX/XXXX, I attempted to communicate with law firm Perdue Brandon Fielder Collins & Mott LLP but they werent receptive and said a warrant was issued for my immediate arrest and Id be jailed. 
I contacted XXXX XXXX XXXX of the Courts and they have no outstanding fines against my license plus I had applied for a job several years ago that required a lifetime driving report and there wasnt any outstanding tickets or suspensions.
Product: Debt collection

this is fraud! someone has requested information on XX/XX/2015 and XX/XX/2015 in my name and I did not authorize it.
Product: Payday loan, title loan, or personal loan

I acquired a line of credit from Sunbit in XXXX of this year. At the time I was unaware the agent set up automatic payments when the account was set up. Payments are for the amount of {$130.00} and due on the 6th of the month. I sent a certified letter to Sunbit in XXXX to cancel automatic payments, per the contract and I began making manual payments in XXXX, XXXX, and XXXX. For some reason, Sunbit resumed auto drafting my account in XXXX. I woke up this morning to see they've auto drafted my account for the second consecutive time without my written or verbal consent.
Product: Credit card or prepaid card

Hi, I open an American Express XXXX credit card in XX/XX/XXXX, and it advertised that after I spent XXXX within 90 days ( and extra XXXX within first 6 months ), then I will receive XXXX points. So I open an account. 
However, I did not receive any welcome rewards points now ( XX/XX/XXXX ). I called them in XX/XX/XXXX, and they said they need to do some investigations for about 4-6 weeks. After 2 months, I still did not receive the points. Then I called them again in early XX/XX/XXXX., and they said I will receive my point within 10 days. However, I still did not receive the point, and they hanged me off when I called back. So far, I still did not receive any rewards point as they advertised or promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the credit bureaus that the address on the account was not mine and keep reappearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a Score Boost feature that promises to link your utility history if you link your bank account to your Experian membership. I did this and they still are having issues reporting my utility history, despite giving them the exact dates and amount of the utility transaction. This amounts to fraud, also considering the fact that for their premium membership, the online chat feature is NEVER available, so you can't contact anyone to fix any issue. There is a message on the members ' site that states all of their agents are busy, no matter what time of day. 

It is nearly impossible to reach their toll free customer service to fix any issue. I was hung up on three times by their system before I was able to reach someone there. It is highly deceptive to request personal financial records from another institution ( Score Boost ) and not follow up on the promises made by your service. I would appreciate a prompt response to this issue.
Product: Credit card

Platinum card charged me {$130.00} in interest as of XX/XX/XXXX. The rate is 26.74 % My aim is to pay credit card balance in full. It's becoming onerous to do this when more than half the minimum payment is made of interest charges. I just made a significant payment towards bringing down the outstanding balance. I'd like to contest charges/fees/interest on the basis that I had a 22.49 % interest rate back in XXXX.
Product: Mortgage

Selene Finance LP took over my mortgage fom XXXX on behalf of the holders of the XXXX XXXX Loan Trust, Mortgage-backed notes, Series XXXX is the owner of the account, and sps is the mortgage servicer of the account, which gave it to Selene Finance, who put me under a Trial Modification Plan from XX/XX/2015 to XX/XX/2015, paying {$700.00}, plus an additional amount was previous the trial modification. Selene never offered an modification after the full amount of the Trial. I would like my money back since I was not given a modification. I gave money which I did not receive any financial help from selene, plus, they sold it to XXXX.
Product: Mortgage

My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.
Product: Debt collection

Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests and a fraud alert placed on my reports with Equifax and XXXX, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at Equifax that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I asked Experian who was reporting in accurate information to my credit report.! they told me XXXX XXXX XXXX! I had over 23 inaccurate information I had to dispute 15USC 1681B ( A ) you can not furnish a consumer report without written instructions from consumers whom it relates I have not given ( Experian ) this right and privacy at 1974 The FCRA 616 ( b ) states : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured not its harder for to get or apply for credit because of these violations on my report.
Product: Debt collection

This company, commercial acceptance located in XXXX PA XXXX XXXX XXXX # XXXX XXXX XXXX  pa XXXX. 
They are calling all of our family members throughout the United States. They are calling my XXXX year old son. We did not receive any letters or emails regarding this debt we owe. We are reporting them so they stop harassing my family. They need to take better approaches to debt collecting besides attacking ones family.
Product: Bank account or service

I opened a Citigold checking account in XX/XX/XXXX with an offer for XXXX AAdvantage miles. I completed the offer requirements and was told by a Citibank representative that the offer had been applied to my account and the miles would be credited by XX/XX/XXXX. They now tell me I wo n't be receiving the miles.
Product: Payday loan, title loan, or personal loan

I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
Product: Debt collection

Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX ''