23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed a collection account posted to my XXXX credit report XX/XX/2023, by Phoenix Financial Services LLC ( Acct XXXX XXXX ). 

I received notice by mail from Phoenix Financial Services on XX/XX/2023, claiming I allegedly owed Phoenix Financial company {$1800.00}. 

XX/XX/2023, I sent certified Validation Request to Phoenix Financial Services. Phoenix Financial Services received my certified letter XX/XX/2023. I explicitly instructed Phoenix Financial that I was disputing this claim and they were not to report this account as a collection account while this dispute was pending. 

XX/XX/2023, I reviewed my credit report and found that Phoenix financial had gone ahead and reported this disputed account as a collection account to my XXXX credit report. 

XX/XX/2023, I sent second certified Notice XXXX FDCPA Violation to Phoenix Financial Services LLC. Phoenix Financial Services received this letter on XX/XX/2023. This letter informed them that they had violated the Fair Debt Collection Practices Act by failing to respond to my Validation Request and by posting this disputed collection account to my credit report. I further instructed them to remove this collection account from my credit report and discontinue all collection efforts. 

As of this writing, XX/XX/2023, this account is still showing on my credit report as of collection account and I have received NO to written response from Phoenix financial and feel they are now in violation of FDCPA. 

I am requesting assistance from FCPB to help clear this from my credit file and file formal complaints against Phoenix Financial Services. 

Please note, I have taken steps to secure legal representation for the purpose of pursuing damages for what I consider a blatant misuse of our credit reporting system and violation for the FDCPA. 

Best Regards
Product: Student loan

I paid in full XXXX XXXX on XXXX. Received pd in full first part of XXXX. 

I paid loan XXXX in full in XXXX. XXXX. Next day it said I owed XXXX cents. I paid that same day. XXXX  days later Mihela said I over paid loan XXXX {$24.00}. 

I paid loan XXXX and XXXX in full on XXXX. 
I called Mohela XXXX and asked for the overpayment on loan XXXX to be applied to loan XXXX. I paid loan XXXX in full except XXXX. 

To this day I've made XXXX calls and spoke with different supervisors who said they expedited the ticket to correct this. 

XXXX on Mohela site it showed now I have a balance on XXXX XXXX. Also today loan XXXX says XXXX balance but doesn't show pd in full anymore. 

Seems to be getting worse not better.
Product: Mortgage

I do not feel I 've been getting fair opportunities to obtain a new loan modification to keep my home. Even the first modification in XX/XX/XXXX was questionable whether it was fair, my 3.75 % rate remain the same, even though rates were low in XXXX. And a list of following complaints and questions about my mortgage company : Why I am not able to apply my equity to my {$25000.00} plus loan deficit and put the loan in the rear and can get a new modification from my loan company? 
I had and have multiple reduce of incomes over the last two years. 
Previous modification in XXXX was not reduced enough to support my income. My 3.75 % interest remain the same, although rates were down considerably during XX/XX/XXXX. 
I am asking for an investigation of the last mitigation from my loan company whether I was within the 31 % of my income bracket. 
What about being able to get a Tier 2 in house modification? 
I had several hardships in the last two years, but I feel they are overlooked and have not been considered viable to getting a loan modification. 
I am requesting a copy of my loan company DEED, to see if my title was accepted and delivered to my loan company from my original mortgage company, to show if my current loan company has legally obtained my deed. 
I am requesting an investigation into whether my equity in my home has been used by my current loan company during my several requests for trying to negotiate ways to keep my home ... however, my equity has not been used to pay off my {$25.00}, 000 loan deficits. Why??????? 
Whether my income was low or high, the I never was within the 31 % bracket to obtain a new modification, Why???? 
Who are my loan company lawyers that are calling asking for personal information, but do not say who they are and who they represent? Who are the lawyers putting foreclosure information on my door, but do not say who they represent? Are they my loan company lawyers? 
I am investigating whether my loan company is legally my loan company that I been paying since XXXX? Was my deed and title transferred through acceptance and delivery? Or was this another " robo copy '' transfer? '' I am submitting a new Mortgage assistance application on XXXX, hoping my loan company will negotiate another modification, if my loan company is my legal mortgage loan company.
Product: Mortgage

I completed a modification with Ocwen Financial account no. I 've made all my payments on time but they are reporting it thirty days late on my credit report and refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The XXXX credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$71000.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : - CXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection from CREDIT COLL on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XXXX, 2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

I used my CashApp to send money to my family and kids and pay my landlord. One day ( can't remember the date ) my son asked if I could send him money to buy something. I went to the app, and entered the amount I was sending and once I pressed send, it told me that my account was closed due to suspicious activity... so I called the team and they asked me a few questions and told me that I would have to wait 30 days for then to review my account. It has been way passed the 30 day mark and my account is still closed, but not just mine ... my son 's account as well. I wasn't able to pay my rent, which was late. I had to explain to my landlord what was going on with my account. This is frustrating and either they fix the problem, or take this app down and stop taking Americans hard earned money, for themselves...
Product: Debt collection

While trying to do a refinance on my home it was learned that Evergreen Financial had put a judgement lien on our property for $XXXX. This was from XX/XX/XXXX and was discharged in our bankruptcy that was discharged onXX/XX/XXXX. They are refusing to give us proof that it was expunged. They are also refusing to remove the lien. Our “attorney” stated he dropped the ball on getting this taken care of as well. We were ready to close on the loan XX/XX/XXXX until this happened. The attorney, XXXX XXXX is wanting me to go to the Superior Court to get any docs showing it was expunged and then he will fill a motion at my expense. Evergreen is making no effort to resolve this issue even though the case is so old it is no longer in the system.Their contact info is :Evergreen Billing SolutionsXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws,  and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XX/XX/XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put Southwest Recovery services on notice to stop sharing my private information on my consumer report as I explained before you have no authority to furnish this collection nor do I have contractual obligation with your company, its partners, and affiliates. This is your final attempt to remove this collection from my consumer report as you are infringing on my right to privacy once again as I stated in my first notice. 
As you are aware you are not privy nor is it lawful to ruin my credit, reputation and cause me emotional distress for obligating me to pay an alleged debt when UCC9-109 ( d ) ( 5 ) clearly stated no creditor can transfer An assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only .Therefore I demand your company, its partners, and affiliates to ( Insert your demands ) for infringing my right of privacy within XXXX business and I prohibit your company from transferring this account to another debt collector. 

I am giving your company 10 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. And an attorney is not licensed to practice law pursuant to the supreme courts XXXX v. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( 1957 ).
Product: Debt collection

Portfolio Recovery placed unlimited calls on my cell. I am XXXX XXXX to the XXXX XXXX. I can't use my cell now because of all the Voice over IP calls. 
They put a XXXX dollar plus ding on my credit. I call the police the police came out said it is a sham. I am calling the FBI next IC3.
Product: Debt collection

My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting XXXX XXXX and Fidelity Properties off my XXXX report due to illegal reporting practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : Account number # XXXX XXXX  : Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX XXXX : Account number # 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Pnc bank switched the order of transactions on my checking acct on XX/XX/XXXX causing a pending charge of {$8.00} ( XXXX ) to pull from available funds before a charge of {$9.00} ( XXXX ) that was run a week prior and cleared the account. This deceptive and predatory practice resulted in me being charged an overdraft fee on the {$9.00}. Also I made a deposit on XX/XX/XXXX of {$120.00} to cover a further negative balance in the account. I was charge an additional overdraft fee after I made the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau TransUnion, XXXX and XXXX about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Vehicle loan or lease

When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is  clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.
Product: Credit card or prepaid card

In 2005, I opened a Best Buy credit card and purchased a computer. I remember it well, as it was my first credit card and a very large purchase at the time. I was careful to review everything I was signing. However, I recently learned that, at that time, a monthly recurring charge was added to my account. I never authorized or wanted this " debt protection '' service, as I already have insurance. Nevertheless, I have been charged every month for the past 14 years. When I learned about it, I called, cancelled, and disputed the charges. However, Best Buy reviewed my account and determined that I had signed up for the service at the time of my purchase and have had the coverage since. So, according to them, I legitimately signed up and they will not refund my money. I now believe that the employee at Best Buy who sold me the computer may have used my information to purchase the debt protection in order to receive a bonus or something like that. I can only say that I am certain I did not.