23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX XXXX  I was notified that a Notice of Default was filed on my home due to delinquent payments that were not made due to an unforeseen hardship. I made contact with Shellpoint Mortgage Servicing and spoke with Loss Mitigation Representative, XXXX XXXX. During that call, arrangements were established to send {$120000.00} via wire. On XXXX XXXX XXXX  he sent me wiring instructions via e-mail from an e-mail address of XXXX  and confirmed my wire was received and applied to my mortgage loan on XX/XX/. He advised verbatim that everything looks good to continue payments as we discussed. He advised that I would receive a forbearance agreement in the mail concerning these arrangements which I never received. He also advised me that within a week, he would advise the total amount it would require if I was interested in reinstating my account and that the NOD would be cancelled once my loan was fully reinstated. I was under the impression that the foreclosure was suspended. An additional wire was sent to Shellpoint in the amount of {$15000.00} in accordance with our verbal arrangements which was verified received on XX/XX/. I waited several weeks for this forbearance agreement outlining the terms of our arrangement which allows partial payments to be made however ; never surfaced. Thereafter I receive a Notice of FC Sale Date XXXX It is my believe that this is a wrongful foreclosure due to the following ; ( 1 ) I never received a forbearance agreement outlining the terms of our agreement ( 2 ) That the funds were accepted and remained applied to my loan from XXXX XXXX XXXX to present. ( 3 ) That acceptance of funds validates that there were arrangements and that my foreclosure should have been placed on hold ( 4 ) I have written e-mails from XXXX XXXX with Shellpoint that partial payments would be accepted and applied. After being notified of the Foreclosure sale date, I contacted Shellpoint on XX/XX/XXXX and spoke with XXXX to get an explanation as to why my foreclosure was not suspended and why the funds in the amount of {$140000.00} were never applied. She reached out to a supervisor and advised me that the funds would be applied and to allow 24 hours for posting and that I would see it online the following day. She also told me that I would get a letter as to why the funds were never applied within one week. Furthermore, I was told that there was no formal agreement in place and that a forbearance agreement was never generated by XXXX XXXX concerning such arrangements. I was also advised today XXXX XXXX XXXX XXXX XXXX XXXXLoss Mitigation that a " Breach Letter '' was generated on XXXX XXXX XXXX  and that I had 30 days to cure the default before my loan would enter foreclosure. He said that MY LOAN WAS REFERRED TO FORECLOSURE IN ERROR. I was also advised that my funds were reversed off of my loan as of XXXX XXXX XXXX  and that they were not able to advise if it was mailed back to me or wire back to an account that has now been closed.
Product: Prepaid card

I requested for a new Venmo card and my account was frozen. They sent a email stating that my account was frozen due to suspicious activity. I sent them the documents they requested and in a response I got a email saying that my account was deactivated and that they couldnt offer me Venmo services and my money would be held for 180 days for loss and prevention and that my emails wouldnt get answered I need that money to be able to pay rest of rent and get medication. I dont know what activities were on my account that broke the rules. Or why they are holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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
Product: Mortgage

Hello, I recently tried to do a refinance on my home and was told I owe XXXX, XXXX and XXXX to XXXX  XXXX my payoff was XXXX. I purchased this home in XXXX of XXXX and I've never once taken any loans. I did a modification in XXXX where Hud applied XXXX to my principal bringing it down to XXXX plus I've made monthly payments. As it stands today I owe XXXX. I've reached out to USBank many times regarding this and no one seems to know what I'm saying only that I still owe this amount. I have since pulled my own documents to look into this matter. Only to find a lot of payments going up after once going down and there's no explanation for it. I keep telling them it makes no since that Id still owe XXXX on a home purchased XXXX ago at XXXX when Hud has paid XXXX toward it in XXXX. I'm just very frustrated and don't know how to get it throw to them there is something wrong. Somewhere down then line someone made a mistake and now it's costing me the customer. At this point XXXX cant refinance due to all the confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of XXXX XXXX account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
XXXX XXXX failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
XXXX  XXXX sent a letter datedXX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors is unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : 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 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 XXXX XXXX XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I Called XX/XX/XXXX XXXX XXXX asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy Experian XXXX XXXX XXXX Please Remove this Account Immediately as this is a Violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

TekCollect has been calling and emailing me since XX/XX/XXXX concerning a debt on behalf of payment processing service company, XXXX XXXX XXXX, for the provider XXXX XXXX XXXX who has filed bankruptcy, broken contracts, offered customers services and guarantees that could not be met, and now owe readings to thousands of patients. 
I contacted TekCollect XX/XX/XXXX after discovering they reported me to all credit bureaus for collections at stating that I owe {$2100.00}. I asked if there was a written VALIDATION LETTER sent to me because I have not received one, instead only emails ( which is illegal ), as of XX/XX/XXXX, and they stated, No, they have only sent emails. So, I had to verbally request a written validation letter be sent to me so I can dispute the debt. They said that I should receive it in 7-10 business days.
Product: Debt collection

Was charged fraudulently under my social the company didnt review nothing nor check the if the social even matched whoever used my social, I tried disputing it many times and they have yet to help me nor try to get rid of it. I was a minor barely XXXX when this charge occurred theres no way I could of made it.
Product: Debt collection

Collection agency : Harris & Harris Ltd ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL ) keeps calling me, and sending collection mail to my home AND work. After repeatedly asking them not to call and send me these harassing ( and embarrassing ) letters they have refused to cease. 

The worst part, I have repeatedly informed them that I DO NOT have any debt or balance, and asked them to please contact XXXX to verify. I even got a XXXX representative on the phone and called them to confirm and was met with further hostility and told that it did not matter. " The only way to get this settled is to just pay us '' is what I was met with. 

XXXX has verified repeatedly that I have NO accounts or balances with them. 

Sending collection letters to someone 's work is a real low, especially when in attempt to collect a debt that is not even valid or owed. Harris & Harris Ltd Collection agency is the lowest of the low.
Product: Debt collection

Yes. JTM Capital Management in New York purchases old debts, including credit card debts, payday loan debts, etc. They never send letters verifying the own the debt. They use horrible debt collection agencies who call you and pretend they are going to serve you papers and try to scam you out of money you don't have by threats. JTM Capital Management is a horrible company who outsources to debt collection agencies who have illegal practices trying to get money. They need to be watched. They use XXXX XXXX XXXX in New York and XXXX XXXX XXXX in Florida-both who consistently use illegal practices to collect debts. They call and pretend they will serve you papers and never do and never send any documentation. Horrible, horrible, horrible.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fail to remove or reinsert errors on report, I have been going through with experian for months I dispute late payments on my account on XX/XX/2024 I got email stating that information is correct two days after I dispute it. They have my name spell different on my credit report I dispute it 2 days later they said the information will remain on my credit
Product: Debt collection

States Recovery System continues to, despite my demand for them to cease, contacting my employer. 

State Recovery System was informed by telephone on XX/XX/XXXX, and again on XX/XX/XXXX, that my employer prohibits personal calls ( specifically relating to debt collection ). Specifically, on both of the above dates, State Recovery System 's representative XXXX XXXX was told this and also informed that calling my employer ( with knowledge ) of the prohibition is a violation of Section 805 ( a ) ( 3 ) of the Fair Debt Collection Practices Act. 

States Recovery System again, on XX/XX/XXXX, at approximately XXXX XXXX contacted my employer. 

States Recovery Systems violated FDCPA Section 804 ( 5 ), by informing my employer of their business name, i.e. " States Recovery Systems '' which connotes the call was related to the debt collection business, and the call relates to the collection of a debt. 

States Recovery Systems ' conduct is harassing and abusive. This is the exact conduct prohibited by the FDCPA, and because it has been repeated with directly knowledge of the violation, it is therefore reprehensible.
Product: Debt collection

I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX5 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. 

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

On XXXX XXXX, 2017 I read news that a huge number of people 's social security data maintained by credit reporting agency equifax has been compromised. I visited the website - XXXX XXXX XXXX - provided by Equifax to check if my social security data was compromised as well and the tool informed me that I *may* be affected. This is very concerning to me & the company is not providing accurate information and is only offering free credit monitoring service as a consolation. 

The company should instead accurately, and with certainty, inform me if my data has been compromised and provide steps or take action to correct the misdoings.
Product: Credit card or prepaid card

I paid my full balance on my Citibank card on XX/XX/XXXX {$1700.00}. I was contacted by then that I still incurred a late fee. So I paid this on XX/XX/XXXX. My account was closed and I was assured by them that it would close my account. I no longer had access to online banking. Much to my dismay I kept incurring late fees. Up to {$67.00}. The only way I knew about this was they sent a text message. I received no mail notification. They refused to reverse any of these fees. I paid the full balance again today but they could not reassure me that I still would not incur late fees. I am going through a Mortgage selling and purchasing and they would not report me for late payments to the credit bureaus. I spoke to XXXX people including the escallation team. None would help me.
Product: Mortgage

Nemours of time I have been report this Mortgages thru this portal, again one more time i have to do it since they still not respond the letters that send XXXX. XXXX, this company and FTC have been attached to my email to My loan Care LLC, please see attached docs. 
you will be found all the problem in detail that this company continued to do, breach of contract, fraud, and they refused to accept payments of the forbearance. 
I request immediate attention in this matter since they continued sending letters mentioned that they will be fix the error and i will be notified, but is not true. I had reviewed certain acts and practices of LoanCare , LLC and they continue in misrepresentation and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Product: Debt collection

Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.
Product: Credit card or prepaid card

My son XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023 He was receiving Social Security XXXX through a DirectExpress card through Coamerica. When I contacted Social Security to report his death, I was told I could receive the balance on his card to help pay for his burial. I contacted XXXX, and I needed to send a copy of his death certificate, the last 4 digits of his XXXX XXXX  and the last 4 digits of his Social Security number. I also sent my own information as to being the person to whom the remainder of his card money could be sent. Because my son had an XXXX his death certificate took longer than usual. When I got it, I emailed the information to XXXX. They sent me a letter saying I needed to send them the certified death certificate copy and one other document such as Letter of Probate, etc. 

When I tried to call both XXXX and XXXX, to try to find out how much money was remaining, both places and numerous phone numbers at each all reported that they didnt even have any accounts in my sons card number or Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody is using my name an information. I have 4-5 inquiries on my credit that I did not approve. All of XXXX inquiries was not me along with any inquiries from XXXX. Totaling about 2500 in debt. I need to speak with someone ASAP. I can be reached via email @ XXXX or through phone XXXX