23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was not aware that Wyndham Capital Mortgage would sell my loan to a very shady company with a horrible rating -- XXXX XXXX. Now I have to stay with them or incur the cost of refinancing to have a new mortgage company. I think there should be more regulations in place and consumers should be made aware of such practices -- actually having to sign documents before such transactions between companies can take place. The company my loan was sold to, XXXX XXXX, has not paid my city taxes, which has caused a lien to be placed against my home and could potentially impact my credit rating.
Product: Debt collection

This is NOT MY DEBT. This is the second letter I received from ProCo. I responded requesting a validation of debt letter and never recived one yet they continue to send letters for debt that is not mine. I have had multiple conversations regarding this matter and explained why it is not my debt. I was tested to be a XXXX XXXX donor for my mothers XXXX. This should be charged to her insurance, not mine. I spoke with XXXX, from XXXX XXXX XXXX practice at XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA, in person when at an appointment with my mother and she confirmed this was to be charged to my Moms insurance. XXXX took the initial collection letter and stated she would make sure my Moms insurance received the bill and not me and I would not receive another notice. Not only did I receive another notice, I started getting phone calls and spoke with someone on XX/XX/2020 at approximately XXXX XXXX. The number dialing me was XXXX and I called back the number in the message, XXXX, reference number XXXX. I explained the whole story to her and she stated she put the notes into the system and if they need more information they will call me back. My brother and sister also got tested to be a XXXX XXXX donors and they are not dealing with this. I DEMAND you show me evidence of this being my debt ( Validation of Debt )! If I receive another letter or call regarding this matter, I will take legal action and inform the applicable regulatory agencies of the violations of the Fair Debt Collections Practices Act and the Unfair, Deceptive, Abusive, Acts, and Practice occurring. I will also be taking legal action against XXXX for not only reporting this as a debt but for wrongful death.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I sent letters to Orion 's management Group requesting & was told on a phone call that it was sent to the wrong address once and to my current address as well. I have no record of receipt of the documents. I requested : 1. Full documentation of the original debt, including : o The original agreement or contract between me and the original creditor, showing my signature or any other binding consent.

o A clear chain of custody proving that the debt was lawfully sold and transferred from the original creditor to your company.

o Any and all documents supporting the claim of ownership or collection rights on the debt by your company.

2. A statement of validation for this alleged debt, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), including an itemized breakdown of the amount owed, and verification that the debt has not been settled, canceled, or discharged.

3. A copy of the original signed contract or any other legal documents between myself and the original creditor that demonstrate a valid contractual obligation on my part.

4. Proof of authorization for the sale of my personal information, as required by the applicable consumer privacy laws, specifically the Gramm-Leach-Bliley Act ( GLBA ), along with documentation of my consent ( if applicable ).

5. Affidavit of Debt Ownership from your company, confirming you have the legal right to collect on this debt and that you have possession of the original documentation and contract, in compliance with UCC Article 9, Section 9-203.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the faccount listed on my credit report : XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit card

XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All the following dates have been the same continuing issue. I can purchase a few large purchases roughly between {$500.00} to {$6000.00} which banks enough points to purchase something worth a few XXXX dollars. I will go to purchase something and the card will be declined. Later, without my consent I will receive a new card in the mail, between these times my points will expire. I have called in regards to this on all of the dates I have provided and more. Unfortunately I have not documented all of the instances. Their telephone representatives are extremely rude and will talk over you and interrupt you intentionally attempting to confuse the situation. They will then transfer you to an alleged supervisor through a continual loop until you frustrate and hang up, the longest loop was the second to last phone call which took XXXX XXXX hours I have spent over accumulative XXXX hours on the phone trying to resolve this issue. I own a chain of stores and have purchased hundreds of thousands of dollars of Tech through Best Buy. I feel the system is put to place to avoid allowing people like me to benefit. The last attempt I made I was refused any assistance, and I was not explained to why my card was canceled and a new one was mailed. I will now lose the remaining points I have for {$1600.00} purchase for a drone. Ive never been spoken to like this in my entire life. I believe we will be closing the cards and I will be requesting full reimbursement for all lost points over the last four years accumulating over {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

I have a debt that XXXX XXXX is reporting on my credit report that is paid in full and closed. The original company is XXXX electric. I contacted XXXX and they send me an activities sheet showing my bill was paid in full. I've disputed it with the other credit reporting agency and they have removed but XXXX XXXX has not. Aarogon Agency is the debt collector that is providing this false info. I have documents from XXXX that prove I owe nothing.
Product: Debt collection

enhanced recovery put this XXXX collection on my credit without notice which is a violation per the fair credit act. also it was disputed in XXXX of this year and removed becuase they had no proof it was mine and there was no validation of that. well on XX/XX/2021 i woke up to it back on my credit. i do not owe this debt period.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Tried to do the debt repair for survivors of trafficking but keep getting kick back on the information I sent in the mail several times.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported this hard inquiry on my credit report that is FRAUD : US SM BUS ADMIN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I DID NOT apply for any Government loan. They will not remove it. 

XXXX still shows this fraudulent address after I have called 15+ times with a police report that states this is fraud : I have lived in Indiana at my current location 3 years since XXXX and in Indiana since XXXX. I have never been to NEW YORK or EVER lived there. They refuse to delete it. 
XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Also they still Show CAPTIAL ONE/XXXX XXXX in XX/XX/XXXX as a hard inquiry that I went through you guys for them to remove. It is still there showing a hard copy on my credit report bringing my score down.
Product: Debt collection

On XX/XX/XXXX, ABILITY RECOVERY SERVICES , LLC, with a mailing location of, XXXX XXXX XXXX XXXX, PA XXXX claimed I have a debt with them in the amount of {$710.00} for computer schooling. I sent a certified letter to them requesting the debt be validated. 
That certified mailing came back as deliverable. I disputed the debt with 3 credit reporting agencies and 2 removed the alleged debt as not validated. 
In XX/XX/XXXX, I applied for a loan and the loan officer questioned me about the debt. She called the alleged debt collector and put them on speaker phone. Many questions were asked of them and they had a lot of bad information on me including spelling of my name and and wrong address. 
The alleged collector was argent, ignorant and out right verbally abusing calling me a deadbeat. 
I have no knowledge of this as already know how to fix XXXX and have been working with XXXX since XXXX when was XXXX them in high school.
Product: Debt collection

They are spoofing their number now they do it alot but now they are using a XXXX  number or spoofing that they are XXXX but from Georgia and I am in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to XXXX, XXXX, and TransUnion on XXXX XXXX  to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by Pentagon Federal Credit Union to the credit reporting agencies XXXX, XXXX, and XXXX. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXXXXXX XXXX. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with Pentagon Federal Credit Union. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX grant to help with my mortgage payments were compounded by the difficulties imposed by Pentagon Federal Credit Union. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and 1 instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that Pentagon Federal Credit Union correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of Pentagon Federal Credit Union. 

I hereby request a timely response from Pentagon Federal Credit Union and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.
Product: Debt collection

I called and spoke with someone in XXXX and and we discovered that the account wasnt mine. We had completely different account numbers and addresses. I disputed the account with a receipt attached showing that the information they have is incorrect and someone elses account. I C System Inc. is trying to collect on debt that clearly do not belong to me. They told me the only way they will take it off my account is if I pay or file for fraud. I dont understand why when I provided evidence proving that the information is incorrect.
Product: Mortgage

Hello. I received a letter from Green Tree Servicing that my interest rate is being adjusted higher. I have attempted to call them to resolve this situation as I should not have an adjustable interest rate. They have supplied me with documents, but I have not signed them. Green Tree continues to tell me they ca n't access the documents as this mortgage started with XXXX prior mortgage companies.
Product: Credit card or prepaid card

On review of my account after opening, I noticed a {$29.00} activation fee after the first charge was made to the account. I was not informed nor did I notice any documentation regarding this fee when signing up for the card. 

On XX/XX/2018, I requested a copy of my credit card agreement. About a week later, I received the credit card agreement and noticed that there was no disclosure of an activation fee under the " fees '' section of the agreement. 

Around XX/XX/2018, I contacted Synchrony Financial in regards to this fee and only received responses on an explanation of the fee. They did not address my concerns that this fee was never disclosed to me and is not part of my credit card agreement. Furthermore, they were unable to produce documentation showing that I agreed to such a fee, as I had requested. As such, I believe this fee was inappropriately charged to me and Synchrony Bank is refusing to refund it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my free annual credit report. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX   account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Product: Credit card

I received a new credit card from Chase Bank in XX/XX/XXXX with a credit limit of {$500.00}. I used {$480.00} of that limit and paid the balance in full on XX/XX/XXXX in order to establish a good payment history. My payment cleared my credit union account on XX/XX/XXXX, however when attempting to use the card after the payment cleared my credit union account, my Chase card is showing a {$0.00} balance, a credit limit of {$500.00}, but an available amount of {$15.00}. I contacted Chase Bank on XX/XX/XXXX and after being transferred 4 times between offshore representatives, I finally reached a state side representative who told me that Chase placed a 'payment hold ' on my card because I opted to make my first payment one week before the due date and made a full payment of what was owed instead of the minimum payment of {$40.00}. I was also told that the {$480.00} payment made was considered by Chase as a 'large payment ' despite my total credit limit being only {$500.00}, and that the 'payment hold ' was put into place to prevent the possibility of 'money laundering '. What an insult! I was also told that Chase will continue to place 'payment holds ' on my card until the account is no longer new. I was told that a 'payment hold ' would NOT be placed if I make only the monthly minimum payment of {$40.00} on the XXXX of each month. This makes no sense. The fact that Chase bank basically labeled me ... ..a XXXX old woman, as a 'possible money launderer ' for opting to pay back the amount that I used relating to the card is totally mind boggling and discrimatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX DOFD : XX/XX/XXXX IS THE SAME AS MY LAST PAYMENT DATE CLOSED : XX/XX/XXXX DATE CHARGED OFF XX/XX/XXXX DATE SOLD XX/XX/XXXX DATE OF MY LAST PAYMENT XX/XX/XXXX When an account is sold and paid in full the ACCOUNT STATUS should be reporting CLOSED or SOLD OR PAID IN FULL and not be reporting CHARGE OFF or DEROGATORY because the status of the account has been sold and the charge off remove because you can't write a charge off for an account you sold and got paid for that will be stealing from the IRS. 
you can not have both an account status and a payment status being reported as charged off IF YOU DON'T OWN THE ACCOUNT you can't charge off the status of an account BUT you can charge off the payment status but not the account status. 

If the account is sold or paid the status of the account is now sold or paid not charged off or DEROGATORY the account was never late to be reporting derogatory XXXX is not reporting the date close which must be reported or trade line deleted for inaccurate reporting a sold charge off that was never closed and for credit reporting you must be closed before the account can report charge off you can't charge off then closed the account when you are reporting on credit reports read the law suite it states when you must close and charge off PROOF OF DATE OF FIRST DELINQUENCY XX/XX/XXXX IS IN THE BILLING STATEMENT ENCLOSED WHEN I MADE MY LAST PAYMENT AND GAVE UP THE CAR BECAUSE OF A DEATH IN THE FAMILY I TOLD THEM TAKE THE CAR IM PAYING NO MORE CANT AFFORD IT SO EXPLAIN AND PROOF THAT MY DOFD IS 2 MONTHS AFTER MY LAST PAYMENT AND A MONTH AFTER THEY REPO THE CAR I WANT PROOF OF THE DOFD XXXX XXXX XXXX SAYS my DOFD is AFTER THEY AUCTION THE CAR ON XX/XX/XXXX how is that
Product: Checking or savings account

XXXX XXXX charged fees to close the account I remember it was outrageous
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage and Transunion returned with a " suppressed File '' notification. There verification system question had information completely unknown to me and locked the file. As just my Broker can not start the underwriting process. 

After attempting to contact online, by phone, and by chat, I referred to the Special Handling Department. While they explained the situation well and told me how to remedy it. They are requiring a mail in of sensitive personal information ( SSN Card copy ) to remedy. 

It would seem to me that the Company should notify a consumer when they take action on their file like suppressing it.
Product: Debt collection

My phone has been ringing every 30 - 45 minutes. I block the numbers and they call with new ones. I asked them to stop. I told them this was abusive behavior and if it didn't stop I was going to report them, but they keep calling. I don't want to turn my phone off, but that's what I'm going to have to do for a few minutes of peace. I've been called 8 times today and blocked every number.