23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint regarding COLUMBIA DEBT RECOVERY a debt collection agency that is attempting to collect a debt that I ALLEGEDLY owe. The original creditor is XXXX XXXX, but I believe the account may have been sold to COLUMBIA DEBT RECOVERY However, which is also illegal my personal information cant just be passed off like that. COLUMBIA DEBT RECOVERY has not provided me with any information or documentation proving that they have the legal right to collect on this alleged debt. Details of the Issue : 1. Lack of Debt Validation : I received a communication from COLUMBIA DEBT RECOVERY claiming that I owe a debt of {$6000.00} for an account allegedly opened on XX/XX/year> The original creditor is listed as XXXX XXXX. I immediately disputed this claim and requested debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). However, COLUMBIA DEBT RECOVERY has failed to provide any evidence that they have the legal authority to collect this debt. 2. No Written Contract with COLUMBIA DEBT RECOVERY : I do not have any written agreement or contract with COLUMBIA DEBT RECOVERY. that would establish a legal obligation for me to pay them. They have not provided any documentation that would demonstrate a contractual relationship between us, nor have they provided any documentation from the original creditor authorizing them to collect on this debt. 3. Potential Illegal Collection Practices : I believe that COLUMBIA DEBT RECOVERY actions may be in violation of the FDCPA, as they have not provided the requested debt validation information within the required timeframe. Furthermore, they may be in violation of the Fair Credit Reporting Act ( FCRA ) if they have reported this unverified debt to the credit bureaus without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report stopped updating on XX/XX/21. It is showing no information after XX/XX/21. The report is blank. I called them and an agent tried for about and hour to solve the problem. It has been a week and no contact from Equifax to resolve.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Th Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactions violates federal law and my rights as a consumer
Product: Debt collection

On XX/XX/2019 I charged some items to my XXXX XXXX Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.
Product: Mortgage

Approximately a year, or a little more ago I obtained a VA mortgage through XXXX XXXX XXXX. Throughout this process I opted to escrow my home owners insurance. 

XXXX XXXX XXXX sold my loan to XXXXXXXX XXXX. Shortly after this mortgage company obtained my loan I realized my insurance has lapsed, which confused me because my home owners insurance was still escrowed, and should have been paid by my mortgage company. 

I called XXXX XXXX ( who was my home owners insurance company ) and asked them what was going on. They informed me that XXXX XXXX XXXX never paid my homeowners Insurance. 

At this point I got both XXXX and XXXX ( who purchased my loan from XXXX ) on the line at the same time, and found out what the problem was. XXXX agreed to reinstate my policy, and XXXX agreed to make the payment. 

Fast forward to 3 days ago I found a really bad water leak outside my foundation, flooding my crawl space. I called a plumber, the city, and acted quickly to resolve the problem the best of my ability at this time, to avoid any further issues. 

I then called XXXX to see what was covered, and to my dismay they informed me that my policy had once again been cancelled due to non payment. I, at a complete loss, call my... now XXXX mortgage company after XXXX sold it to Freedom Mortgage, and they inform me they have my policy on file, the same policy that is currently cancelled due to non payment. 

At this point I get both XXXX, and XXXX on the line and spent SEVERAL hours on the phone deducing the problem. 

We all three came to the conclusion that XXXX XXXX paid XXXX 3 months late, resulting in a cancelation, and reversal of {$1600.00}. 

XXXX states that they sent that check to me, however I have to this day never recieved a {$1600.00} check. 

I now look at my escrow account and see with Freedom Mortgage that I have a balance of {$2800.00} approximately. A mortgage account that show I have active insurance, a {$1600.00} missing check from XXXX. 

I also have a Mortgage company that failed to make my homeowners insurance payment resulting in over 6 months in lapped coverage, and future higher premiums, as well as water damage to my house, physical labor that I have to complete on my own, taking time off work, and a house of XXXX children ( XXXX who's XXXX ) who currently don't have running water in the house for the passed 3 days and counting
Product: Debt collection

National Service Bureau - I've asked multiple times to not contact me and denied their claim to debt. They called my wifes cell phone and threatened that my they would report to the state that my license and tags would be suspended for non insurance BUT I have never had a lapse. They scared my wife and when I called back and spoke to a supposedly manager it got no where except that he said write to congress person if I didn't like how they handled their business. This deceptive behavior is clearly violating the FDCPA!
Product: Mortgage

I have a mortgage with NewRez for a newly purchased home. Myself and my insurance agent have both provided my insurance policy information to them. I have tried writing to them and requested they correct their records to reflect my homeowners insurance. NewRez has yet to update their records and are now attempting to charge me for a policy that they took out to insure my home. They keep sending me letters advising I don't have insurance on my house, when I in fact do. I'm not sure what else I can do as my insurance and myself have provided the information to them and they still fail to update the information on there side. I feel as if they are intentionally not doing so. I believe they may get a quick back from the insurance company they use and therefore are intentionally trying to charge me and are not operating in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am sending a complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that CREDIT BUREAU immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605b. Please delete the following accounts as soon as possible : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$750.00}
Product: Checking or savings account

I opened a Checking account in Chase Bank on XX/XX/2019. I opened it online and there was an offer that if I make direct deposit of {$500.00} in first 60 days of account opening, then I will get bonus of {$200.00} within 10 days. While opening the account online, it says " COUPON APPLIED AUTOMATICALLY '' so i don't need to apply any coupon or visit the branch for the same. My first direct deposit was made on XX/XX/2019 ( {$2000.00} approx ). After that second direct deposit was made on XX/XX/2019 ( Almost same amount ). But I didn't get my bonus. I called customer care on XX/XX/2019 to enquire my bonus, they said that I did not applied coupon so I will not get the bonus. I explained them that the website is saying that coupon is automatically applied. Then they asked me to visit branch. I visited the branch on XX/XX/2019 and meet the relationship officer " XXXX XXXX ''. She said that as I opened account online so branch has nothing to do in it and sent an email to branch manager Mr. XXXX XXXX. Address of branch is XXXX XXXX XXXX XXXX XXXX, Il-XXXX. I got a call from the manager on XX/XX/2019 regarding same and he also tell me the same story of coupon. If the coupon is not applied, then it is the glitch on the bank end, then why should I suffer. 
Please help me to get my bonus. 
Thanks. 
XXXX XXXX XXXX
Product: Debt collection

I received a letter from Transworld Systems Inc. regarding a debt to the " XXXX XXXX XXXX '' creditor. I checked my credit report and have no such debt. I have not received any services or communications through this creditor and do not recognize the account number.
Product: Credit reporting or other personal consumer reports

I've completed an Identity theft report and contacted XXXX, XXXX and TransUnion to remove un known inquires
Product: Checking or savings account

For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,
Product: Debt collection

A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, After perusal of your company credit report, I felt the strong necessary to check whether your company still have the security freeze, because of the concern on the other credit report companies, which report content changes several times in short period. Therefore, I tried to log in your company website. As far as I remember, I could log in last time when I tried to add both/either extended fraud alert and/or security freeze about one month ago. However, today, when I tried to log in, I just could not. Even though your company stated to add the security freeze before other credit report companies advised me, your company continued to ask it again. Since I could not check whether I have both security freeze and extended fraud alert at your website, I have decided to send the necessary documents for them along with the necessary personal information. Also, I tried to create the account with your company website to check the security freeze and fraud alert, I could not make account from the beginning ; that meant I could not do anything for that process. 

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

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to give me my report and information inside such there response is they want me to ID myself I did attached as well informed them of my new address XXXX XXXX XXXX XXXX XXXX  CA XXXX again attached verifying myself
Product: Payday loan, title loan, or personal loan

Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.
Product: Student loan

I agreed to a XXXX XXXX Payment Schedule dated XXXX XXXX, 2002 showing an interest rate of 3.46 % with a principal balance of {$41000.00}. A few years later XXXX XXXX started repeatedly contacting me via letters and phone calls claiming that I needed to consolidate my loans in order to " lock in '' my low interest rate. I was told if I did n't consolidate then my interest rate would increase. I agreed to consolidate on the terms that my interest rate would DECREASE to 2.875 % per their letter. I never received any paperwork from this consolidation. Nothing to sign or read. I have since learned that XXXX XXXX INCREASED my interest rate from 3.56 % to 5.375 %. I NEVER AGREED TO THIS! My loan terms were fraudulently changed. XXXX XXXX deceptively changed my interest rate at the time of consolidation. Their own letter says my rates will decrease, not increase. I contacted them via telephone and writing but they merely state the interest rates are set by the government and I agreed to this change at the time of consolidation. They told me to call XXXX if I suspected fraud was involved. I contacted that number to file a fraud claim but they said I ca n't and there is no way to file a fraud claim. Their own letter said that was the fraud department. Where and how do I file a fraud claim against XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I try several times to contact the Equifax to resolve the problem that i have on my file.They take action against me not remove the item after a reporting company request.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed 31 points from my credit score when XXXX reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The Republican Congress capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my PhD program at XXXX XXXX. In resolving this issue I have learned my FSL consolidated loan is not being serviced by XXXX it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. 

This is a lie as TransUnion reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud TransUnion, XXXX, XXXX or all three of you? 

Complete XXXX  response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( XXXX  ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of XXXX. XXXX contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

My personal information has been inaccurately linked to my former spouse and his parents. Specifically : 1. Their address has been incorrectly associated with my credit file.

2. Personal details that do not pertain to me have been added, creating confusion and inaccuracies in my report.

This information is not only incorrect but has also affected my personal credit record and privacy.
Product: Debt collection

They contacted me said they company was unified global XXXX and threatened to sue me and garnish wages they were very hostile and mean and said the Federal trade commission was liars because I contacted FTC about it and they said that company was banned from debt collection said I owed XXXX
Product: Credit card or prepaid card

I was in XXXX for XXXX XXXX and I was victim of XXXX, I send to the company all the proofs that thats really happens and also of the police report, they have in my statement the stuff that I buy days before and the thieves take it, is been 5 months since I made the claim and always they have a excuse to no give me money back, they answer one month after every time they need some documents for me to make this longer. I send it!! But today was to much, they ask me for the receipts and how I will get that after 5 months!??? Im tired because I send all the proofs and its no fair they say to have that benefit and dont give it to me.