23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEAR PORTFOLIO RECOVERY ASSOCIATES OR XXXX XXXXXXXX ACCOUNTS ; YOU FAILED TO RESPOND AND YOU ARE REPORTING XXXX FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER HAD ANY PRIOR RELATIONSHIP WITH YOUR COMPANY OR ANY OF YOUR AFFILIATES. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I have told them that I have owned this number for my business since XXXX and there is no one here or that we represent named XXXX XXXX. They call and then hang up. Calls ring through from different numbers so I can not seem to block them all. I did call back and told them to stop but they keep on keeping on ... 

Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Fri XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Accepted The call connected to and was accepted by this number. XXXX ( but they actually hung up on me ) Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Tue XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX
Product: Debt collection

Emerge has been billing me for years! charging me 29 Percent interest on a now balance of XXXX I filed bankruptcy in 2009 and this account was closed! 
When I finally asked them what account is this for that I keep paying you for, they could not tell me!! 
Also, when I offered to pay off the balance with a credit card check that I received with 0 percent interest, they said I could NOT do that! which raised a red flag to me that this was not a legitimate company. 
Can you please reconcile this matter for me as I am NOT going to pay them anymore money but I have perfect credit right now and do not want this to effect my credit score or credit report! 
Thank YOU very much for Your Help XXXX XXXX
Product: Money transfer, virtual currency, or money service

Company is JPMorgan Chase Bank. Called XX/XX/2022 because I had an amount of {$200.00} sent by mistake to someone that I dont know and they told me they can not do anything to get my money back. The person I sent the money try to scam me sending a fake check to me. When I tried to send money it blocked me out my account and that money went out to the scammer. The long story short is because he asked me for a drawing and then he sent a fake check and then he wants money back so I tried sent him money back but the I realized its a scammer. Hope someone can help me tru this. Its my first time with a scammer.
Product: Credit card or prepaid card

While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with XXXX  then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a XXXX, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to Community Loan Services and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.
Product: Credit reporting

MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD.
Product: Mortgage

It's disappointing to say the least the Navy Federal would commit to providing a VA loan with the short sale disclosed in the application process and having the assurance that it wasn't a problem only to find out that after more than two months of work and a bunch of inspections later that Navy Federalis going back on that promise. I have previously provided a thoroughexplanation of the short sale and if anyone knows about it, it's Navy Federal Credit Union. This could effectively cost me thousands and a lost home in the process so I am going to start with a complaint to the Consumer Finance Protection Bureau. Other veterans must have experienced this before and I'd hate to think more will in the future so I'm going to seek legal counsel on recourse in order to protect customers. The whole thing is shocking, I should be closing this month but I'm effectively back to square one and the buyer is desperate for money so it'll likely end up as a dead deal. I guess my question is how could it go through the approval process, all the information that was provided and allow the appraisal and all the inspections when this should have been a non-starter? Then it's ok to back out, that just doesn't seem like the operation I'd expect from a Credit Union.
Product: Credit card or prepaid card

CHASE closed our accounts with no warning, or explanation. The card was a XXXX XXXX XXXX XXXX. I found out my account was closed when at the cashier 's stand in a grocery store. A very embarrassing moment. There were no communications from the CHASE either as a text, phone call, and email. In fact when I called the customer service they didn't know why the card was declined. Finally a supervisor came online and said that because of " federal law and US treasury ... '' they couldn't tell me why they closed the account and I must wait until I get a letter in the mail that explains why. They made us, law abiding citizens, feel like criminals. The letter came after nearly one month with bogus explanation that they are closing the account because their affiliate i.e. XXXX XXXX has ended the " banking '' relation with us. An allegation that XXXX flatly denied. Please refer attachment. 

Additionally, as I had rented my car while on a business trip with the same card, I could not extend my rental period because the card was declined and I ended up paying a much higher rental rate because the one I had negotiated at time time of original contract was no longer applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX I'm employed at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any 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/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX
Product: Debt collection

I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.
Product: Debt collection

Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The -- - Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Mortgage

I started out with Landhome Financial Services about 2 months ago The agent`s name is XXXX XXXX and the complaint is about this individual. He was referred to me by the owner of the property. The owner is also the buyer and the real estate agent for this property. His name is XXXX XXXX. At the very beginning XXXX relayed to XXXX XXXX that I can only qualify for XXXX This was not relayed to me. XXXX kept dragging the situation never telling us whether we would qualify for the loan which is held at XXXX. and also never telling me that we would not qualify. Next I was suggested that I should find another job which I did but had to resign after 2 weeks as the job was not on par with my qualifications i.e. the job entailed me XXXX 5.5 hrs for 4 nights a week. I am a XXXX and our XXXX is very much restricted to at most 9 hrs per week. This coupled with a XXXX and being in XXXX I had to resign. I was grilled by XXXX and XXXX as to why I resigned when they were so close to closing. XXXX XXXX advised me to find another job and quit after securing the loan which is a fraud. I have to apply for a job in the academic market which has its own timing so I refused to look for a job and wait until the academic market opens up again. 
XXXX and XXXX also informed me that the property needed some repairs and such should be included in the loan amount which then makes it a XXXX. XXXX called his agents to make an appraisal and came up with this price. I objected to this and told XXXX that I do not want to pay a larger tax and interest and I would rather pay for the repairs out of pocket which I never received any bills for. In addition I received an email from my lawyer in XXXX that notified me of a deed as per a land sale. Under legitimate conditions the translation is done via the XXXX XXXX XXXX in XXXX XXXX via sworn translators who have the permit to operate in the US. XXXX got this translated via google translation which naturally came out as a nonsensical set of words that have no legitimacy. I was in the process accused of lying as well. 
XXXX XXXX also allowed us to stay in the property until the loan is closed as we were lead to believe that this would close. Now the interim contract is about to expire and the purchase contract which is signed is also about to expire. We are also told by XXXX that he advised XXXX to list this home after all to be sold in the market rather than selling this to us. I dismissed him from this job but now XXXX is still interfering with the process. I also have the emails from XXXX asking us to leave his property right now. This is the type of greed that collapsed the housing market in the U.S. I am not sure if the loan officers and the real estate agents are scrutinized.
Product: Mortgage

I have a mortgage for my primary residence at XXXX XXXX XXXX XXXX, XXXX, NM XXXX, with Rocket Mortgage. XXXX XXXX from Rocket Mortgage called in late XXXX and offered me an opportunity to lower my mortgage payment by changing the loan term from 15 years to 30 years. Me and my wife have a high credit rating and stable jobs but lowering our financial burden is desirable at this time. So we went along and made some financial plans anticipating a lower house mortgage payment in near future. We really thought it will be a quick process since we already have mortgage on the house with them. We completed the application, provided needed information and documents, consented to pay all their fees for the loan refinancing. Later we were told that appraisal was a bottleneck and if we stick around she will get it done. In XXXX XXXX told me to stay patient that she will get it done and that Rocket Mortgage has never turned down a loan because of appraisal. In early XXXX she told me not to go with another mortgage company. She said Rocket Mortgage is willing to pay for the appraisal fee {$600.00} if we wait for another couple of weeks. She said she was pressing on the Appraisal Team in their office to expedite it. In the middle of XXXX I received a call from someone in the Rocket Mortgage office who said that they do not keep applications open more than 60 days. It is company policy to withdraw an application which we can not process within 60 days. " I am sorry. Please find some local mortgage company '' I thought it was unfair and deceptive process. I believe they should not be charging me so much in refinancing costs or asking for an appraisal when they already service my loan for over XXXX years and I have paid off almost half of my principal amount. Why would they even need an appraisal when they already service the loan. 
XXXX refused to talk to me or called back to explain or offer a path forward.
Product: Checking or savings account

I have a checking account with Citibank and have had {$7800.00} of my money locked for over a year now and they refuse to allow me access to my funds or allow me to close out the account and get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//22 I paid XXXXXXXX XXXX {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with Experian and XXXX to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.