23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX, XXXX XX/XX/XXXX last four SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
Discover agreed to settle my account at 60 % of the balance which was around {$3400.00}. I called into Discover to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from Discover since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by FDPA. 
Discover is stating I owe over {$6600.00}!!!!!! I called Discover 14 times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! Discover REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the law firm XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from Discover. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this Law Firm is operating under Unfair, Abusive, Deceptive, Acts and Practices ( UDAAP )! 
To recap Discover either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of UDAAP and FDCPA 1006.34 Notice for validation of debts. 

I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of Discover telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 
I am a single mother of two boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 

DISCOVER AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information
Product: Debt collection

Harrasment! XXXX XXXX at XXXX XXXX XXXX as well does not do his job, i sent him proof because i got XXXX and only went to the gym like 2 times for 10 minutes! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX manager email is XXXX // XXXX ( XXXX ) XXXX he is not doing his job properly. I spoke to his employee in 2 ocassions since may and she spoke to him and told me he said that he will check out the email. Never called me or responded. Very immature and irresponsible! XXXX XXXX! I told him I have XXXX and was not cleared by my doctor to work out. That was in XXXX and also in XXXX!!! That is an act of discrimination because I XXXX XXXXXXXX limiting me from working out or using stair master or treadmill and this is causing so much emotional turmoil as well as this company now harrasing me and threatening me to pay before it goes to collections! From Aldous & Associates XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

his letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Product: Debt collection

I've noticed that there was a debt with Klarna under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.
Product: Mortgage

FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.
Product: Debt collection

Since XXXX  I have been working with Stark Collection. This bill is for XXXX they are reporting that XXXX XXXX XXXX gave them this collection, but Stark Collection has not been able to provide proof that collection belongs to me, my signature, and XXXX XXXX XXXX even removed this from my account and credit XXXX because it is incorrect. They are sharing my information that is incorrect, and a violation of my rights and consumer privacy.
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 CARD - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX. Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was shocked to find unauthorized inquiries that I can not explain. I thought it might be a glitch, so I refreshed my browser multiple times, but the inquiries didnt disappear. This issue is causing me serious frustration, and I need it addressed immediately. Please go through the documents Ive provided carefully, as I do not want to face this problem again.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some unauthorized accounts.
Product: Debt collection

I checked my credit reports with all XXXX major credit bureaus ( XXXX, XXXX and XXXX ). I noticed a collection account with Midland Credit Management XXXX. I sent all XXXX credit bureaus disputes back in XXXX 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the Texas Finance Code 392 or delete the tradeline from all XXXX credit bureaus. I never received a response back and they are still reporting inaccurate information in clear violation. Midland Credit Reporting has recently been investigated by the CFPB for its deceptive collection practices and violations of federal and state laws.
Product: Credit reporting or other personal consumer reports

I am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being. 

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

The current financial institution is Mariner Finance, previously, XXXX XXXX. Since the beginning, I've been doing business with them for around 6 years or more and I had never pay late, never to them. But last year I had to apply for Bankruptcy chapter XXXX, XX/XX/XXXX, and by that time I decided to keep the loan and the vehicle. When I received the payoff letter with the amount of little more than {$6000.00} and the vehicle market value, salvage value, any kind of value is less than a {$1000.00} more close to {$500.00} it was not worth it to keep it. I was going to pay more than {$6000.00} for almost 4 years and the vehicle won't last that much. In XX/XX/XXXX I talk to my lawyer and it was included in the Bankruptcy surrendering the vehicle. The Chapter XXXX was discharged in XX/XX/XXXX but, even though it was included in the Chapter XXXX in XX/XX/XXXX, Mariner Finance kept charging me the monthly amount of {$190.00}. I know it because in my credit report it appeared as an active account and in XX/XX/XXXX I had a past due amount of over {$1200.00}. After talking with them a few times to send somebody to pick up the vehicle and close the account, they did nothing about it and the vehicle is still in my front yard. I'd file a dispute with XXXX Credit Report Agency and finally Mariner Finance close the account as of XX/XX/XXXX for the purpose of the credit report only. As of to-date I had enter their web site and into my account and I have a past due balance of {$1400.00} that is of payment from XX/XX/XXXX to XX/XX/XXXX, 7 months of {$190.00} = {$1300.00} plus a late fee charge of {$15.00}. Do the math. Obviously, this account was included in the Chapter XXXX, discharged in XX/XX/XXXX, so, this account should be totally close, not adding a monthly payment at all. {$0.00} debt, closed, XXXX, period. As a matter of fact, Mariner Finance still has the title of the vehicle, I don't have a problem with that. But, if they are not going to pick up the vehicle, don't you think they should return me the title? I can't do anything with the vehicle. It's just sitting there. Can you help me, please? Note : If you need the account number, please, email me and send me how to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX XXXX XXXX is reporting inaccurate factual information on my Experian and XXXX credit report and according to the FCRA XXXX it should be removed from my credit report. XXXX is reporting the number of months ' terms as XXXX and Experian is reporting it as XXXX. Experian is also reporting date last active as XX/XX/XXXX and XXXX is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by Experian as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You
Product: Credit card or prepaid card

I took a cash advance from Capital One on XX/XX/2020 in the amount of {$200.00} at an interest rate of 26.74 %, understanding that there were different fees and interest terms applicable to the advance than to that of my typical card transactions. Specifically, that there was an upfront fee of {$10.00} and that there was no grace period in which you could pay off the amount of the advance to avoid interest charges, as the interest charges begin the moment you take the advance and are applied daily. 

On XX/XX/2020 I made several other credit card payments using my Capital One card. 

Also on XX/XX/2020, after receiving my Capital One statement in the mail, I called Capital One to confirm that the charges and interest I incurred were in fact on behalf of the cash advance and to pay it off in order to avoid further interest charges and fees. 

I got through to a customer service representative named XXXX whose Employee ID is XXXX. She explained to me that in order to pay off my cash advance, whose fees and interest are applied differently than the other transactions on my card, and was accruing interest daily with no grace period in which I could pay to avoid interest, Id have to pay off the cards balance in full, including the new charges I made earlier that day. 

Additionally, I was told the new charges I made that day would not post on my account until at least the following day, so even if I paid the cash advance total, the fees, and the daily interest that had all already posted on my account, Capital One would not cease to collect interest on the cash advance. 

They would not cease to collect interest on the cash advance until the card balance was paid in full, and I could not pay the card balance in full even if I wanted to, because I could not pay charges that hadnt posted yet. 

She then escalated the call to a senior supervisor whose name was XXXX and Employee ID was XXXX. I asked her if I could pay the cash advance and associated interest and fees off separately to settle that debt. She told me no, and that even though the transactions have differing fees and interest application rules, that once the charge was on the card with other transactions she could not apply payment to the specific transaction. 

The call was then ended with no resolution, and I was told the only way to pay off the cash advance was to wait until all my transactions posted, incur more daily interest charges, and then pay the card off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These TWO ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!
Product: Mortgage

CHASE BANK MORTGAGE LOAN # XXXX WAS NEVER AGREED UPON AND MODIFICATION NEVER SIGNED, CHASE HAS SINCE AQUIRED XXXX TO TAKE OVER LOAN WITH A NEW MODIFICATION XX/XX/XXXX, CHASES AND XXXX HAS COMMITTED DUAL TRACKING FOR OUR PROPERTY XXXX XXXX XXXX , XXXX CA XXXX WE RECENTLY RECIEVED OUR FIXED NOTE ( PAID IN FULL ) WITH THE CHASE LOAN # XXXX AND A FULL RECONVANYCE WITH THE XXXX LOAN # XXXX BOTH LOANS HAVE DIFFERANT LOAN NUMBERS AND DIFFERANT XXXX # FOR THE SAME PROPERTY. THEY STOLE OUR PROPERTY OF OVER 23 YEARS AND WE WERE CURRENT WITH OUR ! ST LIEN HOLDER, AND NOW THEY SOLD OUR PROPERTY UNDER OUR NAME FOR XXXX, BUT SENDS A RECIEPT FOR {$150.00} WE WERE EVICTED OUT OF OUR HOUSE IN XX/XX/XXXX BY FRAUD AND THE PROPERTY IS STILL IN OUR NAME IN XX/XX/XXXX WITH CORRESPONDANCE OF FEES AND INSURANCE CLAIMS ON PROPERTY, BUT WONT SEND OUR FINAL CLOSING STATEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, Phoenix financial, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the XXXX XXXX XXXX account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.