23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RentDebt Automated Collection representing XXXX XXXX XXXX {$9300.00} XX/XX/2017 request reasonable accommodation and modification for my XXXX  XXXX son at the apartment complex where we start living on XX/XX/2017, after providing the form they requested together with doctor recommendations letter, the administration never responded forcing me and my family move out from the community. I spend again in deposit and first month new rental with the moving spent, Administration apologies letter received for how residents where affected by the violent environment. But never did anything in particular for my family. 
I start receiving calls letters from this collection agency who is reporting that I owe $ XXXX, I try to talk to them and XXXX XXXX XXXX they still reporting this false debt statement into my credit, preventing me from purchasing a house for my family.
Product: Debt collection

On letter dated XX/XX/2022 by XXXX XXXX requesting post-judgement discovery on a debt collection from Portfolio Recovery Associates that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.
Product: Mortgage

Hello, This is XXXX XXXX, PHH Mortgage bought my loan and have failed to do their jobs at every step ... Due to their nefarious plan to steal my house. 
I have many XXXX reviews that show that this company is not just doing this to me but a lot of their customers ... 
They dont notify you when they buy your loan and then if you miss any payments they block you and send the account to their lawyer to forclose on your loan after two to four missed payments caused by their failure to notify you .... when you try to make payments they refuse to accept it while also sending letters that they are mandated to send by law requesting payments ... When you call or log in to their aweful website to pay off your debt they refuse to accept payment ... requesting the entire balance of the loan instead ... essentially demanding you refinance or give up your home in default. 
you call for a modification due to their actions and they say they will consider it but its a delay tactic as they ask for no information but always decline it while buying time for their lawyer to forclose on the home ... they dont want payments ... they want the house which will increase in value and even if you get a lawyer to sue them into taking payments ... they just charged a whole bunch of late fees for blocking you from paying on time ... They know that Under Trump the CPFB has no claws as Trump has  hollowed out the CPFB since they held him accountable for his fraudulent schemes in the past ... suing the supreme court to dismantle it entirely! Companies know there is no cop in the beat and they are taking advantage of the elderly and disabled to make millions!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  shows up on my credit. I never did business with this company. Their business information is inaccurate. The number on my credit report shows for a Business by the name of XXXX XXXX XXXX on XXXX. And on the company name.doesnt match on the website they have or their XXXX account. The number they provided belongs to a man by the name of XXXX XXXX. All of this information is on XXXX. I would like this removed. It is ruining my reputation. I am not irresponsible person. Some places are complete scams.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account Number # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Mortgage

In XXXX I received a billing from Union Home Mortgage indicating that my next payment was due in XXXX. I contacted my representative and he told me it look like my account is a month ahead. 

At the end of XXXX I received a letter from Union Home Mortgage that there was an accounting error and they had double counted XXXX and XXXX payments. 

By the middle of XXXX multiple people had contacted me about an XXXX payment and multiple emails had been exchanged. I had agreed to make up the billing error by paying XXXX a payment plus normal payment in XXXX, XXXX, and XXXX. The promise in writing from the company was there is no effect on my credit score, and no late fees.

Last month I tried to obtain credit. I was informed there is a late payment on my mortgage and it will affect my loan. I disputed with XXXX. XXXX did not resolve the dispute, but I got payment records reported to XXXX from XXXX XXXX. 

XX/XX/2024 balance {$74000.00} due {$690.00} paid {$690.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XXXX 2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 My bank records show : XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XXXX {$0.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} As I am XXXX  and XXXX I don't have access to much credit, but terrible accounting like this on my credit report hinders my ability to use what little I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8700.00}
Product: Credit reporting or other personal consumer reports

My information has been used to receive unemployment in 2019 therefore my identity has been frauded against since then.
Product: Debt collection

XXXX XXXX XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year. They directed me to I C System. The representative for the collection agency I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted I C System again at this time and they informed the previous agent I spoke with was out for the week. He continued to say that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX XXXX or XXXX service.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXX XXXX  XXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXX XXXX # XXXX - BALANCE {$18.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$14000.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$9300.00} - Date opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$570.00} - Date opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

At XXXX Eastern on XX/XX/2024, I received a call from someone claiming to be from AWA . The caller ID was ( XXXX ) XXXX. He refused to tell me what AWA stood for until I confirmed my name ( which was my maiden name XXXX XXXX XXXX ). Isnt it illegal that he refused to identify himself properly upon request? 

Then he said that he was with XXXX XXXX XXXX XXXX, and that I had a debt in excess of {$4000.00} with XXXX XXXX XXXX. 

As I have never had any interaction with XXXX XXXX XXXX, this is not my debt. The attitude of the person on the phone is more troubling, though, beginning with his refusal to identify himself properly and demanding my personal information before doing so. This made me very suspicious, and his combative attitude made things even worse, especially coming from a company that calls itself a Compassionate Collector With Exceptional Results on its website. 

I called the number on the website to report the call and gave the caller ID number to them. They said theyd look into it, but I do not have much confidence that they will, so I want to make sure that my complaint is on record.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character
Product: Mortgage

I applied for a Loan Modification with Select Portfolio Servicing, Inc. ( SPS ), which was deemed complete as of XX/XX/2022, per the attached SPS correspondence dated XX/XX/2022. In said correspondence, it states that if any scheduled sale date is in place, SPS will contact the attorney to have the foreclosure sale postponed. SPS failed to reach out to their counsel XXXX XXXX XXXX to request a postponement of sale while the review of modification was taking place. 

SPS kept the sale date of XX/XX/2022, and denied the loan modification within 6 calendar days of saying the loan was complete. However, stated they would need roughly 30 calendar days to review. I am not convinced my loan was probably reviewed for all options. However, in the denial, it states I could consider a Deed in Lieu as an option and that I had an appeal period of 30 days before any sale would be scheduled, or conducted. It also states in the right to appeal section that SPS would again request a postponement of any scheduled sale date with their counsel XXXX XXXX XXXX. Once again this did not happen! 

However, SPS kept the sale date of XX/XX/2022, in the system, which should have been postponed after the complete loan modification package was received. Also, the sale date should have also been postponed for the appeal period. SPS failed to comply with their own correspondence and furthermore failed to comply with Federal law regarding the required time period before a sale date can be scheduled during the appeal period and once the appeal period ends. In addition, did not provide a timeframe to apply for the Deed in Lieu of foreclosure which they said I was eligible for. I am looking for the CFPB to provide justice so that I don't lose my home.
Product: Debt collection

XXXX sold this account to 2 different collection agencies and the debt is not mines and now its on my credit report as a duplicate account source receivables and receiveables performance for the same amount of XXXX neither of the accounts belong to me. They just dropped my score XXXX points I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission
Product: Debt collection

XXXX XXXX XXXX XXXX Had a bill for a little less than XXXX $ never received any information about this. They turned it into collections and they were helpful and bill is paid. But then I had another bill for XXXX $ and they sent it to collections. Nobody every contacted me about this bill. I discovered it on XXXX XXXX I called credit col XXXX XXXX XXXX, XXXX wv XXXX ( XXXX ) XXXX on XX/XX/2022 at around XXXX or XXXX XXXX The lady was so rude and un helpful. Originally told me I couldn't make payments. I asked if they would settle the debt for another amount because i dont have the whole amount and she hung up on me. I understand if they want to full amount but I'll just need to make payments. No need to hang up on me and be very rude about my question. I tried to verify if the debt was mine. I don't have any recollection of this debt. I did set up a payment plan and I paying it off. When I went to make the payment they said card payments XXXX $ or check payment was free. I told her I didn't have checks but would go to the bank and get one. Then she was so rude and snapped at me and said I never said you had to send a check. If someone tells me to pay by check I have the understand that means to send a check to them. She said I just meant I need the account number and routing number. I never received anything about these bills and i was trying to settle them and was bullied and treated like trash because I was requesting a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX XXXX XXXX XXXX have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX, Inquiries : XXXX XXXX Inquiries : XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I sold my property in XXXX and there was an overage due to me. I have called three times and the check has still not been sent.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I hope this message finds you well. I am writing to bring to your attention a matter of great concern involving American Express Bank that has caused me significant distress and inconvenience. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received a promotional email from American Express Bank. The email was personalized with my name and was specifically targeted at me as a valued card member. The offer was enticing : a {$350.00} cash bonus if I deposited {$25000.00} or more into a new American Express High Yield Savings account by XX/XX/, and maintained that balance through XXXX XXXX XXXX 

Believing in the credibility of American Express and the clarity of the offer, I promptly deposited the required amount into the new account. In fact, my account was credited with {$25000.00} on XX/XX/XXXX, well before the XX/XX/XXXX deadline. I made sure to maintain the balance as stipulated in the offer, expecting the bank to honor its promise. I maintained these funds until XXXX or XXXX, well beyond the required period. 

Despite my numerous attempts to resolve this issue with the bank, I have not received any satisfactory response or the promised bonus. This experience has left me feeling misled and unfairly treated. The bank 's failure to honor its promise and its lack of clear communication regarding the offer 's conditions have caused me considerable stress and disappointment. 

I have reached out to the bank 's customer service multiple times, only to be asked to wait, sometimes for as long as 15 days. Each time, I am given vague responses and promises of escalation to the corporate office, but to no avail. The bank continues to buy more time, leaving me in a state of uncertainty and frustration. It appears that the bank is using delay tactics and providing baseless reasons for not crediting the promised bonus. 

I kindly request your intervention in this matter. I believe that consumers should be able to trust the promotional offers they receive, especially from reputable institutions like American Express Bank. I am attaching all relevant documents, including the screenshot of the exact offer I received, the terms and conditions mentioned in the offer, and my bank statements showing the balance maintained throughout the offer period. 

Thank you for your attention to this matter. I trust in your commitment to protect consumers and uphold fairness in financial dealings.
Product: Debt collection

Received a notice in the mail for a massive debt. The debt said I owed XXXX the company a debt of over {$20000.00}. I have never had XXXX as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is Afni, Inc. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.