23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a call today regarding my ex husbands uncles debt. I have been divorced 5 years. I recieved a call from an unknown number stating they were with the XXXX courts and that I was being supeoned to testify. They needed my attorneys name to update the courts. When I asked what this was regarding they directed me to contact the plaintiff at XXXX. I recieved this call at work and had to leave my responsibilities to go to a conference and call the " plantiff ''. The number went to a company called a.r.a. asset recovery associates. The woman I spoke with said her name was XXXX XXXX. She said I was a co-dependent in a case against my ex husbands uncle. She provided me with case no. XXXX XXXX. She stated I was a co-defendent in a case against him regarding XXXX charges of check fraud which would be filed today. When I asked more questions she hung up on me. I called XXXX XXXX County and city courts. Neither had the case no. Asset recovery associates provided me with. I called asset recovery associates back at XXXX and the woman who answered the phone did not provide her name but stated she had already spoken with me today. I said I was hung up on earlier. She said that was because I kept calling. I asked her to send me something in writing regarding case no XXXX XXXX. She said you 'll get your supenoa. At that point I assumed she was using deceptive debt collection practices and asked her to cease and desist. She said only my attorney can request a cease and desist She then hung up on me again. These claims she made that I was a co-defendant in a case that had absolutely nothing to do with me caused me XXXX. I may recieved a supeno and if that 's the case then we 'll deal with that. However I feel that they had no right to threaten me on a fake cae
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

Began making Bi-weekly mortgage payments and paying extra each time. Specialized Loan service was not applying my payments to my mortgage. In addition, began charging me a late fee because my early payments were put into a suspense account.
Product: Debt collection

I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Product: Credit reporting or other personal consumer reports

Why this following account still in my accout I send a dispute letter 30 days ago but still nor receiving any response from you. Why? I waiting for the response but no response I sending this complaint to let you know that the following accounts are fraud and unauthorized user. Please make an action NOW please. Here 's the list of accoutns need to delete as soos as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Product: Debt collection

I have disputed said debt via certified mail returned receipt. The company has not validated said debt and proved they are authorized. 
Although they ave provided copies of statements it does not prove that this account belongs to me. they have also provided generic terms and conditions from website, but it does not state an account number, name or balance or reference the alleged debt nor any written authorization to me. 

They also have provided a generic copy of bill of sale. The bill of sale does not provide an account or reference to the alleged debt. Therefore, I reject this information as valid proof of alleged debt. 

I have disputed this alleged debt on several occasions with them and their associates and known associates by way of certified mail, returned receipt. I have requested complete and accurate validation of the alleged debt under the FDCPA 15 U.S.C. 1692 et seq. ( see attached ) Although I continue to dispute this debt you continue to report collection activity and negative credit reporting in relation to this debt and you are in violation of the FDCPA Section 809 ( b ) and the FCRA. 

I have asked them to correct this immediately and I have considered to pursue legal action against them, including but not limited to violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, and Fraud.
Product: Credit reporting or other personal consumer reports

I had my vehicle loan on auto pay for several years with XXXX XXXX XXXX. I would get an email every month for the bill and the last email was XX/XX/XXXX. I never both opening the emails as I know it was on auto pay. Then XX/XX/XXXX I received an email. I thought it was odd since it should've now been paid off - the entire loan. So I called them and they said auto pay doesn't work when the amount is not the same, yet in the emails ( XXXX, XXXX and XXXX 's emails ) it didn't say they could not debit/charge me for the last payment. I promptly made the last payment of {$250.00} the same day XX/XX/year>. I have credit monitoring alerts on due to several companies being breached and was alerted of a negative alert that brought my score down like XXXX points! I called XXXX immediately, and they said they never reported it and to call TransUnion. I called them and they said they only get this information from XXXX and that they don't place this type of information on their own, which of course made sense but I was following the directions of the XXXX representative. Now I have a negative event on my impeccable credit report due to lack of clarity in emails and process for autopay. They never called me or emailed me saying I was late nor are they helping me to remove this negative event considering I paid as soon as the next email came in. There was also no email in XXXX. If I was so delinquent, why wouldn't they email every month or even every week.
Product: Vehicle loan or lease

On XXXX, I acquired a XXXX XXXXXXXX XXXX for personal use in the amount of {$18000.00}. A promissory note was signed and exchanged with Ally Financial for the vehicle. I was unknowingly ushered into an investment with Ally Finacial, then coerced into pledging my labor and vehicle as collateral under the threat of repossession if I did not comply. Ally Financial misrepresented themselves as " lenders '' in this transaction. I have never received a loan from Ally Financial. As a result, I have been defrauded {$15000.00}. On XXXX, Ally Finacial sent a text message threatening to repossess my vehicle. These abusive tactics have caused harm and anguish, as it appears I have been subjected to peonage by Ally Financial. It is my understanding that under a wagering monetary contract, after 3 years the bonds must be broken by the Comptroller of Currency. Ally Financial has deprived me of my labor for 6-years and now threatening to deprive me of my property without due process.
Product: Consumer Loan

I purchased a car from XXXX where they up charged me on the interest rate. I fell behind in my note due to a legal situation where my mother was overdosed causing her to die and I ended up with funeral expenses as well as inherited debt. As of today my car has been reposes and Honda would n't offer me a payment plan. But only a pay off amount of XXXX. I just recently settled my mother 's medical malpractice case and have a check that I am waiting to clear. I asked could they give me 10 days for the check to clear and they wo n't even allow that. Here it is I 'm trying to pay my car off and be done with them so they can be done with me. Only after over charging me for a car and giving me way less than what should have been given on a trade in with less than XXXX miles and XXXX driver in perfect condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX XXXX # XXXX ) AND ( XXXX # XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Product: Debt collection

Ditech Financial LLC is the 5th lien holder of this disputed debt. In XX/XX/XXXX, I purchased a house for {$250000.00} through a bank in NM. That loan was sold to XXXX, which then sold it to XXXX XXXX XXXX, which then sold it to Green Tree Financial, which then sold it to Ditech Financial. The debt was sold four times through XX/XX/XXXX. By XX/XX/XXXX, I made the decision for my XXXX children and me that we could no longer afford to live in the house. I was borrowing from family and living on credit cards in order to make the mortgage payments. I notified XXXX XXXX XXXX that I would be unable to continue to make mtg. payments, but would attempt to remedy the situation. I made efforts to rent the house through a rental company which specialized in this type of transaction, due to the state of the economy, there was n't the market for such a large property. I made sure that the septic system was cleaned, swamp cooler serviced, termite inspection done, furnace serviced, guest house rooms freshly painted, shrubbery trimmed. We also left a usable refrigerator in the garage and the house cleaned when we left. I left the house keys with the next-door neighbor, and notified XXXX XXXX XXXX that 's what had been done. Within a few days, men came from XXXX XXXX XXXX (? ) /Green Tree (? ) -- got the keys from the neighbor, went through the house, changed the locks, then exited. I contacted Green Tree and tried to work through that company to resell the house via their specific division, but was notified by them that since I had moved from the house, I was considered an absentee landlord and they could n't help me! What a joke! I then tried to sell the property through a realtor that specialized in short-sells, verified with Green Tree that I had all of the paperwork, it was all vetted, we had a buyer who was ready to sign the purchase agreement -- of course it was a lot less than the $ XXXX, but it would have saved the property and me. That day, both the realtor and I were notified by Green Tree that the house was being put up for sheriff 's sale and the realtor and I were out of the picture. The house was sold at sheriff 's sale -- by Green Tree to Green Tree -- for {$200000.00}. It was then resold to another buyer. At some point after that, Green Tree sold the loan to Ditech Financial, which really just might be Green Tree/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA Ditech Financial. I was sent a Capital Gains Statement for my XX/XX/XXXX income taxes in the dollar amount of {$180000.00}. We had no gains from this whole nightmare, only losses on top of losses.
Product: Debt collection

The company says they have contacted me and that I stated that I am a single mother and couldn't pay my debt but its not true I am married and have never received a call or a document from them.
Product: Vehicle loan or lease

I am retired and on XXXX and I have paid on this loan forever and I would like very much to end all these ridiculous payments. My money is very restricted, and this is the most ridiculous and ruthless situation I have ever been in. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Reported false information on credit report. I have no late payments.
Product: Mortgage

My loan was acquired by XXXX  XXXX XXXX XXXX, associated with PHH Mortgage Services - after I fell behind two mortgage payment, I reached out to them to resolve the issue - they proposed a repayment plan over 6 months to rectify the issue - I followed through on my part of the agreement, and sent them two checks, which were good, for the first two months of the repayment plan - they held each check for a month and then returned them, stating because my account had insufficient funds for the second mortgage payments, which I had already I acknowledged I missed in reaching out to them, that the repayment plan was now void - this despite the fact the agreement proposed by XXXX XXXX, to which I agreed, was made two weeks after the two missed mortgage payments - I have been in touch with my Case Manager, XXXX XXXX, but he was unwilling, or unable, to resolve their mistake - they have now pushed my mortgage into foreclosure, this when it was XXXX  XXXX XXXX  company who did not honor their part of our agreement, which was both recorded in audio by them, and to which they sent me a letter acknowledging that agreement - this company has numerous complaints against them, according to the XXXX XXXX XXXX website, and should be investigated for fraud - all they want is the deed to my property..
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).