23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute and report an inaccurate charge-off entry on my credit report concerning an account ( XXXX ). This charge-off is reported without a corresponding Form XXXX, which contradicts the Fair Credit Reporting Act ( FCRA ) guidelines and IRS regulations regarding debt forgiveness. According to the IRS, a 1099-C form must be issued when a debt is canceled or forgiven, which should be reported as taxable income. However, a 1099-c form has not provided, indicating the debt remains collectible. If the bank has claimed a tax deduction for this charge-off without issuing a 1099-C, it must be corrected to reflect accurate reporting. Furthermore, Toyota Financial Services has sold the debt to a third party ( XXXX XXXX XXXX ) which there is no written agreements signed by me authorizing this action. I demand that this account ( XXXX ) be removed immediately as my rights have been violated under the FDCPA.
Product: Debt collection

On XXXX XXXX, 2016, I received mail from Cavalry Portfolio Services about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Cavalry Portfolio Services to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Cavalry has contravened its 809 ( b ) statutory requirement to validate the debt.
Product: Debt collection

This is the second time Im gon na do a complaint on The Moore Law Group. I did not have any communication with them beforehand. According the XXXX XXXX XXXX Im supposed to be notified before them taking me to court. Regardless of whatever, they broke the law and its unlawful for them to continue pursuing me.
Product: Debt collection

I received a call today from a company called Tate and Kirklin {$3500.00} said they would settle for {$2100.00} I have never received a bill for this amount I have only gotten a bill for {$160.00} never over {$200.00} I am disputing this bill and refuse to pay a dime for as of todays date I have never received a bill for this amount this company is making up bills and exaggerating the amount owed
Product: Credit reporting or other personal consumer reports

This debt does not belong to me. I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

This is an attempt to correct inaccurate information being reported in my credit report published. Upon being denied credit due to information being published in my credit report, I found a number of items on the report that are publishing, which are inaccurate pursuant to title 15 U.S.C 1681 ( a ) ( 1 ) all accounts must be accurate. Accounts has already been removed from XXXX report. 

The accounts in question are listed below along with uploaded screenshot of inaccuracies : TRANSUNION DPT/ED/XXXX  XXXX DPT/ED/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I made payments to my mortgage company, M & T bank, XXXX through XXXX. The money left my account every month to M & T bank. In XXXX when I call to pay my XXXX bill I am told I owe 3 months of mortgage bills. After hours of discussion I am told I was given the incorrect amount to pay in XXXX as it was around {$300.00} short. I figured perhaps thats why they never applied multiple payments and they were just sitting somewhere but after more discussion they tell me all payments since XXXX were returned to me. I knew this was incorrect but I called my bank, XXXX, to be sure that 3 months of payments were never returned. XXXX confirms they never received any such funds back. I have since sent statements from my bank showing they never returned any funds. I have talked to multiple people at M & T over weeks and still have not received any resolution. They have seemed to misplaced my payments somewhere and late fees are accumulating. I do not know what else I can do from here as they know have evidence from my bank statements. This has been incredibly frustrating and time consuming and this is the only other option I have short of contacting legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXXXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Vehicle loan or lease

Exeter Finance Corp is in violation of my consumer protection rights 15 U.S.C. 1692 ( g ).

They were to notify me of this debt in writing 5 days prior, I was not. As the consumer, I feel like they have caused defamation against my credit and my name. This is what this company, Exeter Finance Corp, has done to my credit profile. They auctioned the vehicle for {$20000.00}, they did a tax write-off for {$29000.00} and then they sold the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. exter finance still report updates on my credit file XXXX which on my credit profile the loan was processed XXXX i need you're help
Product: Checking or savings account

I had a bank account with chase and XXXX. I was using them perfectly fine then traveled to Connecticut for a church trip and they flagged my account for fraudulent transactions. When I reported to them that I did the specific transactions they still told me they were closing my account.
Product: Credit card

I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit reports from TRANSUNION, XXXX, AND XXXX. I have noticed the presence of multiple illegally re-aged accounts being reported to my consumer reports. This information is in fact damaging my credit worthiness and prolonging the statute of limitations on the debt regarding the accounts. The companies that have illegally re-aged the date of last activity on my report after each account 's default includes the following companies and their dates : XXXXXXXX XXXX Account Number : XXXX ( TRANSUNION XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX ( TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account Number : XXXX ( TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX, and XXXX Account Number XXXX XXXX ( TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). All of these companies are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605B for intentionally reporting fraudulent and false information. I want these accounts blocked and removed from all consumer reporting agencies regarding my credit reports.
Product: Debt collection

i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information given for the reason of the credit score from Equifax.Issued me XXXX based on two wrong reasons, too few accts currently paid, andtoo many accts with balances on XX/XX/2021, and another came today XX/XX/2021 with a score of XXXX.Isent the first letter back to their address, and nothing was resolved.I have a credit score of XXXX, as of XX/XX/2021 wit XXXX XXXX.This needs to be resolved as it affects my borrowing power for a lower interest rate.Thank you.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell DISCOVER BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

DISCOVER BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this complaint is for me and my mom XXXX XXXX we need to dispute inaccurate reasons codes for Reason Code XXXX XXXX XXXX Description TIME SINCE XXXX INQUIRY ACTIVITY INSUFFICIENT XXXX  INQUIRY ACTIVITY SAME XXXX XXXX XXXX XXXX XXXX INQUIRY HISTORY so we can open a bank account in a bank branch in person I told to dispute it over phone call and online but I couldnt dispute it over phone call or online our XXXX is XXXX and XXXX for her is XXXX and Consumer ID : XXXX and her is Consumer ID : XXXX read the attachment letter is below etc. so please dispute it for us and give us the decision letter etc.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Money transfer, virtual currency, or money service

I reached for classes online for my children. I was called constantly by XXXX that offering classes and discounts for longer sessions. They gave me a trial session for eah child and then I decided to go forward. I opted to choose the 3mth sessions for each child and paid {$190.00} on XX/XX/20. Then he started asking to do trial for another instrument. I said not until I start receiving the classes for which I paid. Then I received a text that was timed at XXXX, " why did I not come line online, if I was having internet issues. '' I advised no such thing. Then was advised to use a link, could not access it, got no help and after that could not reach anyone for help. XXXX then said he quit the company. Then he said there was a server issue, how would he know that if he did not work there anymore. They would send a text when I complained but nothing when I respond. Once I asked for a refund heard nothing and then reached out to Wells Fargo, who gave a temporary credit and then rebilled us. 
I did get one request to close my dispute and then they will credit me but I did not trust that they would really do so. Also how does Wells Fargo accept the response from them, it was not even XXXX months when I contacted then, so even then obviously fee would be for 2 months at least refunded. This was information on XXXX email received XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX - XXXX || XXXX - XXXX || XXXX XXXX XXXX Headquarters : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX 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

I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX '' by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to NEWREZ-Shellpoint on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law
Product: Mortgage

XXXX held the papers on XXXX sold to Carrington Mortgage XXXX XXXX. I called to either refinance the XXXX or begin paying for taxes and insurance. Carrington is only a servicing agency they gave me www.reversemortgage.org to locate the company, had no phone number. Tried that which listed financing agencies but NO Reverse Mortgage company listed under that name. I contacted them XX/XX/2023 at XXXX and to date no response. How do I contact the holder of my XXXX?
Product: Mortgage

Our home was flooded by Hurricane Florence and our Flood insurance company sent us a check in our names and the mortgage company Nationstar Mortgage d/b/a as Mr Cooper.

I registered my disaster claim with Mr Cooper on XX/XX/XXXX and received a Tracking number and information. 

I have been asking questions for more accountability and transparency of them for how my claim check is going to be handled, such as : XX/XX/XXXX Why is my claim monitored diffently then my flood Matthew disaster? I was told Fema guidelines and because of the amount of my check. Is my money going to be placed in a interest bearing acct.. I was told no. Later I am told yes. Every time I call the special disaster relief number I speak with a different person and receive conflicting information from before or new information that gives me a little bit of the BIG picture of how and where is my money being held. No accountability to me how they are governing my check and Not fully being transparent to me what I have to do to have some of my money sent to me for needed repairs as well as reimbursement of our out of pocket expenses. 

I have been asking basically the same questions over and over again and have requested this information be put in writing to me. As of this time and date I still have not received this information. 
I have been told it is on the website. Just need to register and I can read it there. NO it is not on : XXXX So I call back again, I am told I can find the information on MrCooper.com. NO its not there either.

I can go on and on how I get the run around from Mr Cooper servicing department.

# 1 When I send this claim check in I want to know who and where my money is being held. This money is not a payment and not escrow money.

# 2 How is the money held? Trust acct? Escrow Names on acct etc?

# 3 insured?

# 4 Can we do self contracting? What are guide lines? And Hire Contractors too!

I have been asking these questions and have asked it be put in writing and as of this date have not been given or received requested information.

This is our home. We have had an Excellent mortgage history on this loan before Mr Cooper took over and since he took over. We repaired our home after the XXXX Hurricane Matthew flood. We have continued to improve our home and will do the same to repair and improve our home after this Hurricane Florence disaster.

I feel we and any consumer deserve more respect than what I have received from Mr Cooper and full transparency and accountability for this insurance money they want to hold. Today is XX/XX/XXXX.. They have had long enough time to honor my request so we can move forward to repairing our home. They have left me in limbo long enough. I request your assistance.
Product: Debt collection

The debt collector named Firstsource Advantage , LLC is unlawfully in possession of my non-public personal information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know Firstsource Advantage , LLC, and have not contracted with them in any way. They should not have possession of my non-public personal information. They also shouldn't be sharing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from Heartland ECSI who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o XXXX who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with XXXX and have a file # XXXX thus far Heartland ESCI has not responded. Using the account number from them  XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan.  XXXX also confirmed that they only have XXXX and has no knowledge of Heartland ECSI and according to their records it appears that Heartland ECSI maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
Product: Debt collection

I am writing this letter in because I received a lawsuit in the mail from Law Office of James R Vaughn about a debt reported by XXXX XXXX in the amount of {$2600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and a copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.