23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received the following email for fradulent debt that I both do not owe nor was informed of before. Text of email follows TrueAccord is here to help.

TrueAccord logo You have an unresolved XXXX, XXXX ( current creditor of your original XXXX account ) balance. 
Hi XXXX, Welcome to TrueAccord. We are a third party debt collection agency, now collecting on behalf of XXXX XXXX XXXX ( current creditor of your original XXXX account ). 

We want to help you resolve this balance of {$130.00} through our customized payment plan options. 

Thank you for taking the first step in resolving this balance! 

View available plans Account information TrueAccord Corp. account number : XXXX Balance due : {$130.00} Current creditor : XXXX, XXXX XXXX, XXXX account ending in : XXXX Original creditor : XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to XXXX  with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

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 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Credit card or prepaid card

Purchase direct from bestbuy.com Order was over XXXX they should have shipped signature only. Our home has a sign that states to NOT leave packages on the front porch. XXXX XXXX claims they delivered package but package was not to be found. Citibank is the credit card backer and per our own rights as a consumer, the shipper would be responsible for any claims against XXXX. Both companies are trying to push it off and make me contact XXXX which I have an XXXX stated I can not file a claim. I am currently out of XXXX and the attitude and disrespect from citibank and best buy is ridiculous
Product: Mortgage

XXXX XXXX XXXX sold my modified mortgage to Nationstar Mortgage in XXXX. It has been a nightmare ever since. Nationstar Mortgage Company claims to have paid my insurance through the escrow account I have. The insurance company confirmed today that Nationstar never made XXXX payment for my homeowners insurance. Yet Nationstar took almost {$3000.00} of my money for insurance in XXXX, XXXX, XXXX. Nationstar is currently filing for foreclosure on my house because they claim I am in arrears. They have provided no evidence of this. I have documented extensively my payments. 
I have proof that : 1. proof that Nationstar claims to have paid hazard insurance from the escrow account with XXXX, XXXX, XXXX XXXX forms. 
2. correspondence regarding the complete lack of insurance paid with money from the escrow account 3. I have made the payments that have not been credited to my account In XXXX they took {$830.00} for insurance from my escrow account. 
In XXXX they took {$2100.00} for insurance from my escrow account. 
In XXXX they took {$1100.00} for insurance from my escrow account. 

Because I live abroad I was not informed of this at all. 
Nationstar has not only reneged on the terms of the acquired mortgage in terms of insurance, they have imposed extensive fees and repeated inspection charges ; falsified information about my account ; neglected to credit {$14000.00} in payments they claim are in arrears, and are now foreclosing on my house that my daughter lives in. 
I have tried to correspond with Nationstar since XXXX of XXXX. 
None of my inquiries have ever been acknowledged or responded to. 
My requests for their legal counsel 's contact information were ignored 3 times since XXXX of XXXX. 
I have tried to communicate with the law firm representing Nationstar. 
I have provided the law firm and Nationstar with documentation of every payment that has been received, proving that I do n't owe any money. Nothing has been accomplished. 
I have no lawyer because they all want a {$25000.00} retainer. 
The foreclosure date is on or around XXXX XXXX, XXXX. 
How is it possible that a company, who has numerous class action suits involving hideous levels of corruption, is allowed to take a person 's house away, when they are not in arrears? 
Time is running out.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the several fraudulent attempts. Despite repeated efforts to mitigate these fraudulent activities, they persist, causing significant distress and financial loss. 

Upon reviewing my credit report, I noticed several unauthorized transactions, which I believe to be the result of fraudulent activity. These include any relevant accounts numbers or transaction references. I can assure you that I did not initiate or authorize any of these transactions, and they are, therefore, fraudulent in nature. 

I have taken the necessary steps to protect my accounts. Furthermore, I have attached supporting documentation, including any supporting documents to assist in your investigation and expedite the removal process. 

I request that you promptly investigate these fraudulent items and take appropriate action to remove them from my credit report. Additionally, I urge you to implement additional security measures to prevent similar incidents from occurring in the future and to ensure the integrity of your systems and services. 

I have attached relevant documentation to substantiate these claims. Additionally, I urge you to conduct a thorough investigation into these incidents and take immediate action to prevent further occurrences. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My report from transunion only shows satisfactory information but is reporting a collections account to creditors. Info doesn't match the report they show me. In addition I am not able to log the dispute online because while they can see the collections on the back end, it is not available for me to see and dispute. I also have letter from original creditor stating balance was paid ( it was sent to collections in error see letter attached collection agency is XXXX XXXX XXXX ) I was repeatedly transferred between their offline, online, and special handling department speaking with multiple supervisors and no resolution provided just more transfers. I am actively seeking a mortgage and funding and this is negatively impacting me in a serious way. I have followed all steps they have asked me to try and there is still no resolve to remove this inaccurate matter. I have also attached a copy of the Transunion report which shows no collections history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this issue with experian time and time again. they keep using my current address as an old address. I can not remove or lift the freeze from my credit report when i need to because they are using information that is not mine. I can not even verify identity using their system because their system is asking me questions that do not pertain to me and it is indicating my current address as an old address. When i file a complaint, they will fix the issue temporarily and them put it right back to incorrect information. I live in XXXX, SD and not anywhere else. I would like them to use the correct information and stop with the fraud tactics. I have a fraud alert placed on my credit but the credit bureaus are committing the fraud.
Product: Debt collection

I sent a certified letter ( requested by my agent with the debt company ) with the relevant information about my account with The XXXX at XXXX XXXX not actually having a balance ( this included the image of the cashier 's check that was cashed by the apartment complex, a note signed by the manager stating the account actually had a XXXX balance, and my copy of the cashier 's check. ) It was delivered on XX/XX/2023 XXXX am to their XXXX XXXX . I also called on the XXXX of XXXX to ask about my status and was told it was " in processing '' by a manager at the company and was told to check back the next day. I have given the company almost XXXX weeks since that specific phone call and have heard nothing. 
I also have confirmation that the manager of the apartment complex in question ( The XXXX at XXXX XXXX. XXXX XXXX ) both called and emailed with XXXX XXXX on XX/XX/XXXX regarding my account being closed immediately, as I was placed with collections by a clerical mistake on the apartment complex 's part. And they sent a follow up email on XX/XX/XXXX with my account number to make sure the debt company had the relevant information to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting an account on XX/XX/2023 on my credit report : Potential Account numberXXXX showing on EXPERIAN report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even experian prior to XX/XX/2023! 

on XX/XX/2023, report as well witch shows you are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent!. all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account amount, you are even providing a different account number. 

Per 15 U.S. Code 1681 Without you being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and EXPERIAN to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! 

Thanks for your help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate late payment accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). I believe these inaccuracies are a result of a late payment, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, ( CFPB Complaint # XXXX ). I submitted another complaint concerning an account on my credit report, citing late payments. I have followed all necessary procedures, including providing valid proof of address, ID, and Social, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. Should you fail to provide a method of investigation. I request that you delete the late payment recorded for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had a house fire in XXXX. We worked with the insurance company to get damage repaired, items cleaned, and evaluated worth of property lost, hotel bills, dog boarding bills, etc. After a long process, the insurance company issued us checks- but they had to be co-signed by M & T, our mortgage company. We were told we had to submit the checks- so we overnighted them with all of the paperwork we received from the insurance company. M & T is requiring us to submit bids, etc. in order for them to determine if they will release the checks. They seem to not be understanding that the work is complete -- and now we owe this money to the vendors ( plus, we need to replace the nearly {$10000.00} we have paid out of pocket ). These vendors are charging us late fees and have sent us to collections- and they are not returning our materials to us until we pay. M & T has told us it's up to them if they will release the full amount of money to us or not. However, this is money already spent and we are on the hook for the amount. M & T has not been helpful- they keep telling us we are missing materials, etc. We have been trying hard to get the money we were awarded to the vendors but we keep hitting road blocks from M & T. We are beyond frustrated. It's traumatic enough to have had a house fire - and now we are being impacted in so many ways financial and emotionally by our inability to receive the money that was granted.
Product: Debt collection

This collection agency keeps calling all day long and later hours at nights too. I have told them that this is not my debt and to not back anymore in the future, but they still keep calling.
Product: Mortgage

To whom it may concern : Why am I having so much difficulty having due diligence completed for a XXXX XXXX with Mr. Cooper? This has been an extremely poor customer experience. 

Without any success, for over a year, I have been trying to obtain straight answers from Mr. Cooper about opportunities to XXXX XXXX. 

As an example, on today, Monday, XX/XX/XXXX, I called into Mr. Cooper at XXXX around XXXX XXXX  EST. I gave the Representative all of my application information and he ran a hard credit inquiry on my credit report. There after he asked me several redundant questions and I answered, he proceeded to answer me again with the same redundant questions and then hung up on me without a call back. I called back into Mr. Cooper at XXXX and I was told that the Rep that I talked to has gone to break. I had to basically beg for this particular person to escalate the issue and have someone else call me back. I am reporting this issue, because its not the first time that this type of situation has occurred. It has occurred on at least two other occasions, which seem like a systemic issue. 

I need to have this situation resolved because this is multiple occasions whereas there has been hard pulls on my credit, which bring my credit rating down. And I still dont know the results of my credit application for a XXXX XXXX XXXX with Mr. Cooper XXXX 

Also, an issue occurred in XXXX with a XXXX application. I have included the email communications in this letter as reference. I complained about this issue on several occasions for months without any resolution. And still to this day, I lost money with this issue due to following the steps that Mr. Cooper advised and still did not attain a Refinance.
Product: Credit reporting or other personal consumer reports

They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past 30 days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.
Product: Mortgage

Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and Other Corporation, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, dob, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of Consent, Reporting Incorrectly, and mainly breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I had XXXX credit card with a perfect credit history and a score that was near excellent ( XXXX ). In order to improve my score further I was told by multiple sources that needed to wait for 6 months to apply for a second credit card. I was also told by those sources and multiple internet searches informed me that I could expect a temporary drop in my score of XXXX to XXXX points. I could deal with that. Shortly after XXXX XXXX approved me for a {$1000.00} credit line I noticed a huge drop in my TransUnion score although nothing else had blemished my credit history. Prior to this date my TransUnion, XXXX, and XXXX scores were all similar. Afterward, the XXXX and XXXX scores dropped temporarily by XXXX to XXXX points. My TransUnion score dropped nearly XXXX points and after 3 months of low charges and quick payoffs it has barely improved. I have contacted TransUnion more than once to learn why they destroyed my credit score yet show I have a perfect track record. They refuse to respond. Please investigate this agency for me immediately. My TransUnion score is now approximately back where it was prior to my applying for my first credit card FOR NO REASON. I have worked my XXXX off to improve this credit score after paying off past debt and I refuse to believe that the 3 credit bureaus have no one to hold them accountable for what is obviously gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is on the dark web according to my credit monitoring agencies. I spoke with a representative about some enquiries that did not originate from me or with my consent. I will want these enquiries removed from my profile. Below are the enquiries 1. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( No address or phone ) XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX These four enquiries are not recognized and unauthorized
Product: Debt collection

XXXX XXXX has been calling me multiple times per day. They have also been contacting my mother multiple times per day and have been asked repeatedly to stop calling that number as I can not be reached there. They even told my mother that I missed a credit card payment and thats why they are calling. Not only have they harassed me and my mother, but they have breached my privacy. I told them to stop calling and instead they now just call from blocked numbers and hang up like 4 times a day. This last time I had my husband answer the phone to confirm it was them and sure enough it was. They leave no voicemails, they just call and hang up constantly.
Product: Debt collection

I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan.
Product: Credit reporting or other personal consumer reports

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, I am its customer, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments 1 through 7.

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I now enforce this right, as I was not able to before. American Express shall not report, share, or sell my accounts ' information, past, present, or future, to any non-affiliated third party or credit reporting agency.