23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.
Product: Debt collection

XXXXXXXX XXXX put on my credit XX/XX/XXXX from XXXX XXXX for a total of {$1300.00}. And another XXXX of {$1700.00} XX/XX/XXXX. These are not the original amounts of debts that I owe. And Ive never did business with XXXX XXXX. Ive asked them to verify and please delete with disputes letters. And it is still on my credit. And is ruining my credit life. Ive also contacted them. Please delete. I have never done any business with this company. Aslo XXXX a collection for XXXX for XXXX XXXX XXXX. Ive conctacted and made payment arrangement with the original debt owners. So please delete these collections.
Product: Mortgage

Pursurant to 3-501. PRESENTMENT, 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. OBLIGATION OF ACCEPTOR ( b ). 
This Account has been paid in full and still pending submission of the satisfaction from Freedom Mortgage to file with XXXX deed records.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXXXXXX XXXX  : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}
Product: Credit reporting or other personal consumer reports

*Disclaimer* I do not acknowledge ownership of this debt*! The account in question -- XXXX XXXX XXXX  Account number XXXX reports a balance of {$3100.00} and is marked as a charge-off. However, this company is continually re-aging the account and adding FICTICIOUS payments. The most recent alleged payment is shown as occurring in XX/XX/XXXX, which is impossible as I have no access to or ability to make payments on this account. A simple investigation will reveal that this payment did not come from me and I highly doubt that the fraudster would come back years later and randomly make a payment. That only leaves one option, which is that the bank is re-aging the debt through inaccurate reporting.

I request that this account be deleted from my credit report immediately as it has surpassed the 7-year mark from delinquency. The last actual activity on this account is reported as having taken place was XXXX. Therefore, it qualifies for removal. It is unfair and illegal for me to be penalized for over 8 years for an account that was opened nefariously in my name. 

I have been patient in waiting for this account to age off my report, and the practice of re-aging debt is both illegal and immoral. I urge the CFPB to take immediate action to ensure this account is removed from my credit report.
Product: Student loan

I have recently just gotten my student loans moved to a new provider unfortunately, Nelnet. So far it's been a very difficult experience. Their website is not user friendly and trying to get into contact with them is very difficult. I spent 2.5 hours on hold before I finally was able to speak to somebody. The reason I had to call is because there was no way for me to apply to the payment plan I wanted online. Then, after she updated my information. It took me THREE months for them to process my request.
Product: Debt collection

PORTFOLIO RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Checking or savings account

I was not given what I paid for by a merchant ( XXXX XXXX ) on the Day of XX/XX/2022. I waited for another XXXX weeks for them to provide me with the documentation they said they would provide minutes after the payment was made. That never happened so I filed the report with the bank who temporarily refunded me the {$1100.00} that was charged. On XX/XX/XXXX after their investigation was concluded the funds were reversed because there was a Peer to Peer XXXX  transaction done that was not within the chargeback parameters. I then called back Chase Bank in mid XXXX to show that I had recorded the conversation with the XXXX Representative and how could I submit the documentation. They said fax the link over to the back office with the claim number. This would later be ignored because they did not view the submitted link for review or send to the insurance department for fraud coverage. Yesterday I spoke to them on the phone as well regarding the issue and they were very biased about documentation and said only the company could say it was an incorrect charge. I never knew about a third party in the mix with the debit charge and was never told of this. That means the charge was not authorized on those terms by me or any parties connected to me.
Product: Credit reporting or other personal consumer reports

To : [ Creditor Name or Credit Bureau Name ] Subject : Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am contacting you regarding XXXX fraudulent accounts that are inaccurately reporting on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank These accounts were fraudulently opened in my name without my consent. I have an identity theft police report from my local police department and a notarized FTC Identity Theft Affidavit substantiating that my identity was stolen. 

My credit was compromised due to major data breaches, including the XXXX breach and the XXXX XXXX XXXX breach, which exposed my personal information to unauthorized parties. As a result, fraudulent accounts were opened under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have the right to dispute and permanently delete any fraudulent accounts resulting from identity theft. I formally request that these accounts be immediately investigated and removed from my credit report.

To aid in your investigation, I have included the following : A copy of my identity theft police report A notarized FTC Identity Theft Affidavit I request a written confirmation once these accounts have been permanently deleted and my credit report has been updated. Failure to address this matter appropriately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this urgent matter. 

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

XXXX XXXX XXXX has reported 3 accounts in my name which I have never owned. I don't have anything else fraudulent that could indicate identity theft. I have never lived in Texas or had direct family living there. 

I have disputed the information twice with Experian and they say they have verified the validity of the account, I don't see how they can if I have never opened these accounts. Do they just go by the world of the creditor? The creditor should have to prove that I really did open the account. I have never even lived in Texas!
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my credit regularly, and this time, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the issue remained. This is incredibly frustrating, and I need this matter addressed immediately. Please review the documents I have provided so I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, I have contacted you and the XXXX credit reporting XXXX, XXXX, Experian companies about charge off and stating past due on my reports all have stated verified, a closed account that is an opened account can not show payment history also I have request a 1099c seeing how this account was charged off .I am disputing the accuracy and validity of the charge off. I assert that the information you are reporting is inaccurate, incomplete, and violates the fair credit reporting act { FCRA } 15 USC1681et seq., and the Fair Debt Collection Practices Act { FDCPA } 15 USC1692et. seq. I contend that the charge off is invalid because credit first has failed to provide adequate evidence of the debt 's existence, legitimacy, and proper reporting. I see on all three reports the debt was forgiven or written off this debt as income, as evidenced issuance of a form 1099c, Cancellation of debt. Under the Internal Revenue code 1099 c form represents the cancellation of debt and could indicate that this debt is no. longer legally enforceable. under 15USC1692g { a } I was debt validation the following items1 proof that I owe the alleged debt 2statment the debt was no discharged in through bankruptcy 3 date of discharge 4 any document of a 1099c issued in connection with this debt if information can not be provided I request that this account be removed at once from my credit report. this could be fraudulent reporting
Product: Credit reporting or other personal consumer reports

Inaccurate late payments 1. 120+ other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120days. XXXX XXXX  has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX  I circle all these inaccurate things on these reports. Need fixed or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues that have not been reported correctly. Great Western Bank has reported late payments several years ago because multiple payments made at one time were credited to my account as one payment. XXXX Hospital XXXX has reported a collection account on a balance resulting from XXXX XXXX Co taking several months to pay entire bill. A collection referral is indicated but there was never any contact or collection activity pursued since the hospital was aware of the yearly deductible being met and the insurance company finalized the claim in three months. Both of these accounts have been paid in full for many years but still remain active despite contact several times to resolve.
Product: Mortgage

I'm a victim of the XX/XX/XXXX derecho storm in Iowa. my House got severely Damage. I got the roof repair as soon as I could and got bill for it XX/XX/XXXX ( shingles got repair/change ). 
my insurance company send me check for what their estimated of the damage it is, the check is on my name and the NewRez LLC mortgage company. NewRez now in possession of the money refuse to give me my money back even after I send the bill. they are requesting more documents even after I offer pictures proving the job its being done. now the company send me a pass due bill ( my credit can get ruin/ I could face legal issues ). 
NewRez refuse to liberate my money or pay the company, they keep asking for documents. they cause my XXXX and XXXX issues sore ( I'm XXXX percent XXXX XXXX ) to the point I can't work. Who is going to pay for the days are not working because what the Bank its doing?. I being force to request credits and use my credit card ( who is going to pay for the cost of this ) all because they want to profit with the money the insurance give me? 
I feel they are taking advantage of a VA loan, and I feel they make the process unbearable to use the founds. all they need its to send a inspector or having me sign an affidavit. I'm vulnerable and they are taking advantage of my tragedies.
Product: Checking or savings account

I spoke with a rep with Connecticut Dept Of Banking today, XX/XX/XXXX, regarding an affidavit for fraud, was told said affidavit should be issued/reissued for signature forgery. The amount of which is {$4200.00}, check intercepted in XX/XX/XXXX while on vacation. This matter was brought to Capital One 's attention in XXXX/XXXX of same year, a XXXX XXXX replied by attempting to infer the person whom forged is related, failed to issue affidavit at the time. Subsequent reps including a XXXX, XXXX also failed to do the same. Most recently, a XXXX and a XXXX refuse to reissue, original affidavit closed out in error, no funds received. As explained in prior CFPB complaints, a prior statement was twisted around by Capital One rep named XXXX, whom then refused to reissue affidavit. A XXXX then attempted to refer me back to person whom cashed check in which case it is not my responsibility to do so, once brought to Capital One 's attention for fraud. Failing to refer me back, she then turned around, refused to reissue affidavit... She provided a number to reach out, does not accept or return calls as per usual, XXXX XXXX did not return seven messages left in the past... This is typical behavior for Capital One reps. This matter has been ongoing since XXXX, Capital One refuses to cooperate in reissuing affidavit..
Product: Credit card or prepaid card

I applied for Amex XXXX  card and received the welcome offer -- XXXX points will be posted to my account within 12 weeks ( this is the max time ) I have reached the required spending. However, it's been 12 weeks already and their customer representatives have also confirmed that the spending has been met. I still haven't received the points. I have contacted their customer representatives more than once regarding this. It hasn't been resolved.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX Date Opened : XX/XX/XXXX Account name : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX opened : XX/XX/XXXX Account name : XXXX XXXX opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I

am filing this complaint because my identity was used to open multiple accounts fraudulently without my consent. Despite taking immediate action by notifying the credit bureaus and providing them with a copy of my FTC Identity Theft Report, these fraudulent accounts and the associated debts continue to appear on my credit report. These unauthorized accounts are negatively affecting my credit score and causing significant stress and financial harm. The credit reporting agencies have failed to remove these fraudulent accounts, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a thorough investigation and promptly remove any inaccurate or fraudulent information from consumer credit reports.
Product: Debt collection

Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.
Product: Checking or savings account

Started with Suntrust bank opening an account with someone with my same name then BB & T opening an account from internet application this all started when suntrust and BB & T merged as truist. 4 years ago i had a car loan with suntrust so it is just to coincidental for me. I want a letter from both banks stating accounts are closed and that someone needs to look into the policys of opening up accounts via internet. easy identity theft and why do they not require a valid photo ID for uploading on the web sites.I thought it was a goverment law you had to show 2 forms of valid IDs for identification.
Product: Debt collection

THE COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I HAVE SENT A NUMBER OF DISPUTE ASKING THE COMPANY FOR PROOF SENDING IT CERTIFIED AND THE MAIL HAS BEEN RETURNED TO ME AND THEY HAVE FAIL TO RESPOND PROVING ME ANY PROOF THAT THE COLLECTION BELONG TO ME THIS COMPANY IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT WHICH HAS HURT MY ABILITY TO GET CREDIT FROM OTHER COMPANY ALSO PREVENTING ME TO OBTAIN A JOB KEEPING ME FROM PROVIDING FOR MYSELF PLEASE LOOK INTO THIS COMPANY THEY ARE REPORTING ACCOUNT AND THE CREDIT REPORTING AGENCY ARE ALLOWING THEM TO REPORT THE INFORMATION EVEN IF IT DOES NOT BELONG TO THE CONSUMER
Product: Debt collection

Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.