23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently am In a repayment program with PHH Mtg services. I have been trying to get in touch with PHH for 16 days now. I keep getting a message saying " Due to unforseen circumstances we are unable to take your call at this time. The one time I did get through I stayed on hold for 69 mins before it sounded like it was transferring to a person and hung up. I can not get on to their website because I currently am in a modification that Im not satified with. When you go onto their website it says " Please contact support, your account status is limiting you to certain information ''. This is unacceptable firstly because we started this process in XXXX XXXX. I made two payments, {$1400.00} and {$180.00}. which brought the total to {$1600.00}. The Mtg payment was {$1600.00}, I paid this because the customer service agent that I spoke to on XX/XX/XXXX told me that this is what I owed. In XXXX my Relationship counselor XXXX called me and told me that the modification was denied due to me making 2 payment instead of one and that I did not make the correct payment. I asked to speak to the supervisor of which I was not afforded the opportunity, instead they told me that they would give it to the research department for further research. The next information I got was a new modification that was {$200.00} more claiming that I had to take it because of the computer error, and that they couldn't reverse anything because everything is done by computer. I told them that I would be struggling to pay that but they said it was the only option I had. So made the first payment on XX/XX/XXXX, and have been trying to make the second payment everyday since XX/XX/XXXX. Today is the last day of the month to pay and I am still getting the error message that I have mentioned above. I do I take care of a situation that they wronged when ( 1 ) I have limited access to my mtg account and ( 2 ) they won't answer the phone. To make things worse, they are reporting that I have a balance of {$300000.00}, and that they have had my account since XXXX which by law under they FCRA they have to remove if they are erroneously reporting. Please help all I want to do is make my payment and also have my credit report corrected. Furthermore, this account was sold to this company with wrong information given, and when I requested what they have proving that I owe as much as they say I do they can't provide the information
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/2016. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXXon the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX hospital XXXX XX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both XXXX XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But XXXX XXXX and Experian both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However XXXX XXXX and Experian decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK N.A. ) XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$600.00} XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX SIR XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX-XXXXXXXXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports Innovis, XXXX XXXX and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Product: Credit card or prepaid card

Complaint against Vanilla Gift card. Card was purchased as a gift in the amount of XXXX dollars, from XXXX grocery store. The card funds were stolen in less than XXXX hours. Contacted Vanilla Gift card they said they would email a form. Never happened. Card was purchased on XX/XX/XXXX. Funds were gone by XX/XX/XXXX. I seriously doubt I will get the money. It was spent. Talked to 3 agents. Git the run around. 1 agent wouldn't even talk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/year> {$23000.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on all credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Items were deleted and put back on my credit account As I mentioned above I will like the actual steps you have taken to investigate this matter as well as the proof you received from the company if such investigation did not exist I will sue for monetary compensation I ask for immediate deletion Respectfully XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was locked by them because of it being hacked I was not giving any chance to change any information before they locked it it's been locked for almost a month now I've been going back and forth through email them with very little response to any of my questions I just feel like they're trying to get my money and actually very annoying but I mean it may not be that much but I've needed that money for almost a month now and haven't been able to access it.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$100.00} from my XXXX  XXXX XXXX Bank account to my Capital One ( Venture One ) Credit card ending in XXXX. I decided to cancel that payment due to low funds and instead paid {$150.00} from my XXXX XXXX XXXX XXXX bank account. The payment was accepted, but on XX/XX/XXXX the payment was returned and on XX/XX/XXXX my autopayment of {$50.00} was declined without my knowledge or consent, and that same day they charged me {$38.00} late fee. In XX/XX/XXXX the {$50.00} autopayment was made and I paid an extra {$270.00} on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the {$50.00} autopayments were made but {$40.00} past due fees were charged to my account. On XX/XX/XXXX I reviewed my account and saw the extra charges and that the payments were returned in XXXX. I called Capital One customer service and they said that the payment from XXXX XXXX was returned because I had never paid with that account. They had no reason why the autopayment was declined but the Representative said she could not help me. This was all reported to the credit bureau. I immediately began paying the account off and I sent Capital One a letter requesting that they correct their reports to the credit bureau. After a month and a half, they sent a letter declining my requests. I believe Capital One is engaging in unfair and deceptive practices in order to receive late fees, and to cause consumers ' credit scores to go down so that they can increase their percentage rate. This is exactly what they did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear XXXX  of my my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When the car was bought the loaner said if anything was to happen to the car and it was total that it would be taken care of and paid in full by them and the car was totaled but yet the balance is still showing up as a collection on my credit which should not be there. 15 USC 1692c Law Clearly States A debt collector must halt its collection efforts upon receiving a written request from a consumer to cease collection efforts or a written refusal to pay the debt.
Product: Debt collection

To Whom It May Concern, I am contacting you because I am being harassed by Comenity Bank. I have been getting calls after hours and they have Twice now called my father 's phone to try to talk to me! I have never given my father 's cell phone number or his house phone number to this bank, so how did they get these numbers? And it is ILLEGAL to call My father 's house and cell phone to try to locate me and in doing so it creates a breach of contract with me. I know so because it states this with the Fair Debt Collection Practice Act. 
I am getting calls before XXXX XXXX in the morning and calls up until XXXX almost XXXX at night from this bank and that is clear harassment. They are not allowed to call me before or after hours. 

This has been going on for a few months now the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

WestLake Financial is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.
Product: Debt collection

Hello, I've reported this number before and nothing has changed, they called again today @ XXXX XXXX. The number is XXXX. I am really tired of them calling for over two years now. I've spoken to them as well as texting them. they are looking for someone named XXXX XXXX. I am not her nor does any person by that name live here.
Product: Mortgage

Nationstar mortgage continues to harass me to refinance my mortgage relentlessly. I 've blocked all of their phone numbers so they ca n't call me. I refuse their mail ( except statements ) at least once a week, if not XXXX XXXX times. Nationstar is the last company I would want to refinance with, however, I fear, if I refinance with anyone else, my mortgage will just end up back at Nationstar. They are very predatory!!! I just want to be left alone and allowed to pay off my mortgage in piece.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account we're not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete these items. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions.

15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Debt collection

On XX/XX/XXXX I submitted a claim on XXXX XXXX XXXX XXXX XXXX to validate debt that was owed. I reach out to them but they didnt respond to my request. I reached out again on XX/XX/XXXX when the claim came back to me as a duplicate. I havent heard anything from the company as of XX/XX/XXXX which is well past the 30-45 day timeframe. According to my consumer laws which they are violating this must be removed immediately from my consumer report. Furthermore they are still trying to collect on a debt that is pasted the statute of limitations to collect in my state of Texas which is 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXXXXXX XXXXBalance Owed : {$2100.00} ; 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and SUNTRUST have repeatedly removed the SUNTRUST BANK CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
Product: Debt collection

USI Solutions , Inc. initiated calls midXX/XX/XXXX telling me I had an outstanding debt from a car I purchased in XXXX. They found that I had paid most of it in XXXX and was calling to collect the rest of the debt of {$2100.00}. The man on the phone was very polite and offered a quick payoff and to negotiate. He offered the payoff of {$1700.00}. I told him I didn't have that and he pressured me to pay off different amounts. After I told him I'd be willing to do payments, the line cut off and another man came on. He started pressuring me and threatening me with legal action and perhaps police to come to my house. He claimed that the company that had my debt went out of business. I know the car company also went out of business and that I have paid that car off because I wasn't able to get a license for some time. ( It was also a tense subject in my new marriage. ) I told him I wouldn't pay anything until I received something in writing. I did receive mail from them, but it was suspicious as it did not have a creditor name ( see attached ). 

They called again XX/XX/XXXX but I ignored their call. 

On XX/XX/XXXX, they called my wife and left a voice mail saying they needed to speak with me about a debt, which she forwarded to me. I called them back not knowing it was the same people. I spoke with a man named XXXX XXXX. He was polite and offered to resolve the matter for an over-the-phone payment then and there. I told him I couldn't do that. I fell in the gullible trap again and engaged him in conversation for about 22 minutes. I brought up the XXXX XXXX XXXX reports I had read ( https : XXXX XXXX and he disputed those. After I told him I'd make payments, the line cut off again and another man, XXXX XXXX, came on the phone and asked for my debit card number. I told him I didn't feel comfortable giving him that information over the phone and that I would happily go to the website he gave me and pay it there. He then said that for some FCC reasons, they could not accept online payments. ( Here is the website : http : //unitrustsolutionsinc.com/ ). There is a tab for online payment. 

I agreed to call him back after speaking with my wife. He told me since she was not on the account and that she had no say. I told him that it mattered because we are financial partners in our marriage and he finally hung up. 

I did research about statute of limitations and my rights as a consumer. I also found a lawsuit against USI Solutions in  Illinois with the exact description of what was happening to me. Court date is scheduled this year. 

I also checked with the major US credit reporting companies and there is no record of that debt. The car dealership they said they represented went out of business years ago and by their admission, so did the debt collection agency they represented. 

I have now had to contact my personal relations and let them know that they might be harassed about this. I've had to report it to several state and federal agencies as well as flag my credit report. They have made me question my integrity and caused strife in my marriage.