23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our original Mortgage was with XXXX XXXX Mortgage. In XX/XX/XXXX, we learned our loan was sold to Nationstar/Mr. Cooper. We sent our XXXX payment to Nationstar. We have confirmation from our bank that Nationstar cashed the check. We have confirmation from XXXX XXXX Mortgage, they never received the XXXX payment. I have been dealing with Nationstar since XX/XX/XXXX. I have XXXX email correspondences with this company and no one seems to be able to find out where our missing payment is. We are XXXX month behind in paying our mortgage because we are fearful if we pay up, they will never locate our initial payment and we will be our {$2700.00}. What appears to have happened is they misplaced or applied our check to another account by mistake, so they applied our XXXX payment to XXXX, our XXXX payment to XXXX, Our XXXX payment to XXXX. So it looks as if we are XXXX month behind and did not pay our XXXX statement. However, if properly applied we would be up to date. They have waived all late fees since XXXX when we first started this journey, but I get calls weekly from Nationstar 's Debt Collection agency. 
In my correspondence to Mr. Cooper/Nationstar, I have asked them to flag our account for review and early on was concerned about adverse credit reporting requesting that a notation be made so that our credit would not be adversely affected. 
Since XXXX, I have received frequent automated calls from Nationstar for debt collection, and my credit file has been flagged for late payment. On XXXX occasions, once after a XXXX and XXXX hold time, I spoke with a customer service representative who tried to channel me to the missing money research department, however, the robocall for debt collection continues to harass me. We want to get out of this mortgage and move to a more reputable company, but do not want to be out of our payment. Please help! Thank you for your time with this matter!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter requesting for XXXX to validate the debt they are reporting as a charge off and they have not replied to my mail..
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in XXXX place but a XXXX XXXX for mailing purposes only which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. XXXX, Experian, and XXXX now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. Experian I am already suing you because of your inaccurate reporting and you still continue to break the law. XXXX and XXXX now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Records from Capital One Bank and XXXX XXXX ( XXXX XXXX ) ** To Whom It May Concern, I am writing to formally dispute the reporting of late payments from XXXX by Capital One Bank and XXXX XXXX ( XXXX XXXX ) on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), these creditors have violated my rights under 15 U.S.C. 1681, specifically : Section 602 ( Congressional Findings and Statement of Purpose ) : This section establishes my right to privacy, emphasizing the importance of ensuring that credit reporting practices are fair and protect consumer confidentiality. 
Section 604 ( a ) ( Permissible Purposes of Consumer Reports ) : This section prohibits consumer reporting agencies from furnishing a consumer report without a valid reason, such as my direct authorization or a permissible purpose under the law. 
Additionally, payments on open consumer accounts can not be reported as late if they are within the agreed-upon terms or grace period defined in the original account agreement. Reporting such payments as late without clear, documented authorization violates the FCRAs principle of ensuring accuracy and fairness in credit reporting. 

As these rights and protections have been violated, I am requesting the immediate removal of these late payment records from my credit report. 

Please confirm receipt of this complaint and advise me on the steps your agency will take to rectify this matter. I look forward to resolving this issue promptly. 

Thank you for your attention. 

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

This is to inform you that I have contacted Experian Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

RE : Dispute XX/XX/year>, ( 30 Day late Payment Reporting ) I hope this letter finds you well. I am writing to address an issue that has arisen with my credit report concerning my mortgage payment. I would like to formally clarify that I have never missed a mortgage payment. My mortgage payment of XXXX was paid and cashed on XX/XX/year>. I believe this entry on my credit report does not accurately reflect my payment history and could potentially impact my creditworthiness unjustly. My bank records clearly demonstrate that my mortgage payments have been made consistently and on time. Furthermore, Freedom Mortgage processed my payment promptly, cashing the check on the scheduled due date. During the month of XXXX, I was not informed of an escrow shortage, no call, no email, no communication from freedom Mortgage. This is a pure example of payment misattribution and a violation of fair credit reporting. I want to assure you of my commitment to fulfilling my financial obligations. I kindly request that you consider this information and review my credit report considering my consistent payment history. If necessary, I am more than willing to provide any relevant documentation to support my claim, I have the cashed mortgage payments for every month. Freedom mortgage automated recording still to his day informs me no payment is due and that Im not due until the next month which in now XXXX. This unfair reporting caused a huge drop in my credit score during the exact moment I was trying to purchase a home. Due to this inaccurate reporting, I will not be able to pay the mortgage with the high interest rate caused by this situation my credit score dropped XXXX points. I am a hard working minority trying to provide a better life for my family. Thank you for your attention to this matter. I appreciate your understanding and support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX and XXXX XXXX Account Number XXXX ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX XXXX Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.
Product: Checking or savings account

This involving PNC Bank. I called the Customer Service Line to dispute an unauthorized charge that came out of my account for {$320.00} on XX/XX/XXXX. I was informed that the matter would be settled in 10 days. As time went on I noticed the charges never got reversed so I called the PNC Customer Service Center to find out my Dispute was not submitted correctly and I had to drive to the nearest bank to submit an Affidavit. 

I did drive to the bank and faxed the Affidavit and still haven't got this matter resolved from this bank. Because of the mistake PNC made to my account I'm sitting here broke with NO MONEY! I didn't hardly have gas money to drive to the bank to submit an Affidavit.

A bank is allowing a customer to suffer because of a mistake THEY made! I had to hold off on my bills. I'm about to lose whatever little health insurance I had. More stuff is coming out of my account and more charges will be added. 

PNC has ruined me financially by not handling my dispute properly.
Product: Debt collection

The company failed to discharge the debt as the rule states that all debt is prepaid in the United States since 1933. The company eventually sought to sue me.
Product: Debt collection

After having no luck contacting me ( with a ridiculous number of phone calls at all hours ), the California Business Bureau contacted my mother in XX/XX/XXXX and harrassed her about my medical debt ... ..a debt that I have regularly been paying directly to the medical facilities in small installments. 

After being told they had reached the wrong person, the agency called my mother AGAIN on XX/XX/XXXX about my debt, and asked her to leave messages for me ... .which is a violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692b ( 3 ).
Product: Vehicle loan or lease

The car is inoperable and I have not used it since the beginning of XXXX. I dont know why I have to pay 24 % interest on a loan for a car I can not use. I called on XX/XX/XXXX to make a payment and was granted one month deferment which would be added to the end of my loan term. I still have to it a loan for a car I cant use. Its not fair.
Product: Debt collection

Although Portfolio Recovery Associates , LLC has been forwarded a request via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and per the USPS tracking information : " Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2023 in XXXX, VA XXXX. '' They continue to ignore the following letter : " XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, TN XXXX Portfolio Recovery Assoc. LLC. 
XXXX XXXX XXXX. 
XXXX, XXXX XXXX Mr./Ms. Collector and Portfolio Recovery. 
I am writing in response to your constant phone calls! 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing communication : You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location! 
In accordance with the federal FDCPA, now that you have received this " stop calling '' letter, you may only contact me to inform me that you : are terminating further collection efforts. 
Intend to continue your collection practices and processes, in According to the Fair Debt Collection Practices Act. 
intend to invoke a specified remedy. 
Please update all appropriate records that you are no longer authorized to call or contact me by phone ( s ). Furthermore, I will only accept collection activity in written form. Again, please update your records regarding no telephone collection calls on my account. Thank you for your cooperation. 
If you wish to further pursue collection activities, please forward Validation of Debt : copies of any original documents pertaining to original statements, accounts, letters, and any other original documents pertaining to the same. Also please provide proof that you are legally licensed and approved as a debt collector in the state of Tennessee. 
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805 ( b ) 2 of the FDCPA. Please advise any other collection agency, if that is how you received or learned of any accounts regarding me. 
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me, I will pursue all available legal actions to stop you from harassing me. 
Regards, XXXX XXXX XXXX "
Product: Checking or savings account

I was selling my purse through the app called XXXX. The name XXXX XXXX she said she was interested in my bag send me emai and text message she said shell send me a check amount of {$1900.00} and the rest of the money send it to her daughter through XXXX. It was XX/XX/2020 I deposited the amount of {$1900.00} payment for my purse was {$630.00} and the rest of the money I send it to XXXX after a 2 weeks my checking account was overdrawn {$1800.00}. Please please I need your help
Product: Debt collection

Notice for Proof of Claim Account : Sequium Asset Solution account XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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

Equifaxs process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.
Product: Vehicle loan or lease

GM financial has an electronic contract with my information on it. There is no original copy of the agreement between me and GM financial that has my written signature on it or a copy of my Identification. GM is reporting false information on my credit report.
Product: Credit reporting or other personal consumer reports

I have a XXXX Bank Account reporting on Experian thats a charge off.
Product: Debt collection

XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.
Product: Credit reporting or other personal consumer reports

There's an account on my XXXX credit report under the Commenity Bank ( Your Tuition Account ), that is listed as being closed as of XX/XX/24. This information is innacurate, because the company was still contacting me multiple times every day, ( which is a form of harassment ) up until today which is XX/XX/XXXX more than a month after the account was reported to be supposedly closed. Also, on my XXXX credit report for the same account the account is showing as an open account. So there are inconsistencies with the credit reports which is Why I am requesting for this account to be removed. 
According to this 15 USC 1601 those inaccurate statements posted on my consumer report should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.
Product: Mortgage

I refinanced my Mortgage with XXXX XXXX XXXXXXXX. After close I was notified that the loan servicer would be XXXX  XXXX XXXX ( XXXX ) and my first payment should be made with them on XX/XX/21. On XX/XX/21 I made a payment of {$1400.00}. I then received a notice that the servicing of my loan would be taken over by Specialized Loan Servicing ( https : //www.sls.net ) starting on XX/XX/21. SLS is now calling me asking me why I have not made my XX/XX/21 payment. I have created an account with SLS on their website and it does not reflect the XX/XX/21 payment I have made through my original servicer ( XXXX XXXX XXXX ).
Product: Debt collection

I was denied an employment opportunity due to an item listed as in collections in the amount of {$3900.00} as reported to the credit bureaus for XXXX XXXX XXXX. They have refused to enter of offer me the opportunity to arrange into a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Delaware bank is still showing on my credit report and it has been over seven years it should be removed by now.
Product: Checking or savings account

Account opened and funded. Immediately restricted. 

XXXX in account inaccessible.