23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LAST WARNING BEFORE LEGAL ACTION. Wells Fargo 's response to last complain ( case # XXXX ) DID NOT address my attachment so I am submitting it again. 

Please see my UCC Filing Search Results Report RE-ATTACHED from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.
Product: Debt collection

U was contacted by this collector out of the blue i constantly told the guy that there was some mistake and that I never even do much as received any mail from this company I also stated that I was sent new furniture due to the faulty furniture given the first time and the amount of time taken to even get help with that and I was told I did not need to pay for the new frame due to the time it took for me to get assistance as well get another frame. I never received any phone calls from the prior company after the new frame was delivered or nothing came in the mail just all contact had been done. Frontline Asset Strategies is the name of the collector that keeps calling me although I explained all of this to him he pretty much forced me into signing something to pay this huge balance back. Even after I assured him of everything that had gone on he was rude in my personal opinion because no matter how many times I explained everything to him he just XXXX down everything and said well you have to pay this if they never gave you anything in the mail or email in regards to that then you have no choice but to pay this.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Mortgage

On XX/XX/XXXX, we contacted a company called Mr. Cooper about refinancing one of our high interest loans with them after receiving a mail inquiry invitation from them at the end of XXXX. We spoke with Mr. XXXX XXXX and went over our situation and credit scores to see if we qualified for their re-financing invitation. We provided full information on income, credit scores available through each credit bureau, reason for re-financing, all income and debt information and everything they requested to see if we would qualify to submit an application for re-financing and for them to pull the hard credit inquiry that would damage our credit report numbers. We were told and assured that there was absolutely no problem, we would definitely qualify with the credit scores and all other information was within the requirements for re-financing. Application was submitted based on these assurances, along with the documentation requested to support the information provided. We were told 3 or 4 weeks to send to underwriting and approval of loan re-financing. Ten days later we received an email identifying the loan processing officer name of XXXX XXXX who was assigned to our loan. We were assured by her that the loan process would take bout three weeks and that closing target was XX/XX/XXXX. Over the following couple of weeks we were asked to submit additional and duplicate documentation, which is usual for most underwriting scenarios so no concern. On XX/XX/XXXX, we received a call from XXXX stating the the finalization of the re-financing was on track and that there were " no problems and that the loan was still on track for closing on XX/XX/XXXX. '' Then there was a three week period on dead silence, ignoring multiple emails nd phone calls and complete lack of professionalism or customer care. In the meantime, my credit scores rebounded from the hard credit pull by Mr. Cooper and they steadily increased above submission numbers. We have three mortgages with Mr. Cooper and have paid all on time for the past four years since they took over or issued the loans. Why the scam of refinancing invitation and fraud from the promises and assurances that we were qualified, everything was fine and on track with the loan, and that they acknowledged our payment history as their customer rather than being honest and up front - not forcing us to suffer the negative impacts of their pulling a hard credit on our credit report. Their action cost serious delays, additional financing costs, and complete loss of faith and trust the professional ethics of the " Mr. Cooper '' brand and group. They should be held accountable and everyone should know and be aware of their actions so others will not make the same mistakes from their unconsionable actions. We will be moving our mortgages from them and not doing business with cons like this in the future and soon as the damage from their actions against us are repaired.
Product: Debt collection

I paid a collection in full to XXXX XXXX XXXX on XX/XX/2015, account # XXXX. The original creditor was XXXX XXXX XXXX. 

This complaint is about Pendrick Capital Partners LLC. Their account is XXXX. They sent me a collection notice for a debt that was paid. I sent receipts over email showing it was paid. They claimed they needed more information. I contacted XXXX XXXX XXXX and was told they no longer had information on my account as it was too old. Pendrick Capital demands information from the previous creditor who no longer has this information. Receipts are apparently not good enough
Product: Checking or savings account

Originally called and reported some fraud charges on my Chase Debit Card on XX/XX/XXXX. Reported charges that I was able to see at that moment and told them if I found anymore I would call back and let them know so they can help me out with the fraudulent charges I had been experiencing. 
They agreed that those charges were not on my behalf and authorized the funds back since I didnt make those transactions. They closed the card out and replaced it with a new and everything was fine. I finally had time to look at previous bank statements and noticed some more charges from XXXX and XXXX and called to Report those charges to the original claim that was made on XX/XX/XXXX. Again, those disputed charges were reversed and they agreed that it wasnt authorized on my behalf. Now in XXXX, I called because I had time to review statements from back in XXXX and they helped submit a claim for those charges. Well now they state that those charges in XXXX were outside the 60 day window to dispute charges and wasnt originally attached to the XXXX Claim and they took away all the settled fraud disputes after they were already acknowledged to not have been made by myself. I called and spoke to a supervisor who said that unfortunately when they submitted the XXXX charges in XXXX it removed all the settled claims from my bank account since they stated that the XXXX Charges werent made past the 60day rule and that there was nothing they can do. I just dont understand how they didnt tell me this upfront when submitting the claim in XXXX that it can affect the original claim that was already approved from XXXX. Really disappointed and extremely upset and how there is not clear upfront explanation. They have now left my account owing thousands of dollars and with not help insight where I can submit my case.
Product: Debt collection

There is a company called United Check Recovery their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for XXXX. I dealt with the original creditor XXXX and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX of United Check Recovery XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only 1 1/2 ago. She said she found my information through a system called XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company United Check Recovery XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I worked out an arrangement with XXXX  XXXX  to settle a Collection account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and XXXX returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that Experian had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with Experian and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for seven years. 

Yesterday, after paying Experian {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX, whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to XXXX, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from XXXX.
Product: Debt collection

XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX, Acct # XXXX
Product: Mortgage

I am coming off of a forbearance and the mortgage company offered me a flex-modification. 

The flex-modification offer is supposed to offer a combination of extended payments and a lower interest rate. They originally indicated I was not eligible for the lower interest rate because my loan was behind before the forbearance. This was completely incorrect. As such, they did not apply the flex-mod rules correctly. Instead, they just extended the loan by 140 months ( over 10 years ) to give me a 2.6 % reduction in monthly payments. This adds {$380000.00} to the total cost of a {$400000.00} loan for a minuscule reduction in monthly payments.. It isn't reasonable nor doable. 

It's own instructions say that, if I can not afford the modification offered, that I need to call them to discuss other options that may be available. However, they will not put me through to anyone authorized to discuss this with me. The authorized individuals will not return my phone calls and the company will not provide any other contact information ( such as email ). I have called them five times, including requesting supervisors. Each time, I am promised a return phone call within XXXX hours. I have never received a return phone call. 

I have documented every call with them. I do not think they have any intention of talking with me and are letting the limited time I have to respond just run out. 

This is a Fannie Mae loan. The mortgage company is Guaranteed Rate, although I believe that the forbearance is being handled by another company contracted by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 TRANSUNION WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD EXPERIAN I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, XXXX XXXX, XXXX, XXXX my name needs to match my officail documents
Product: Debt collection

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 


Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX {$650.00} Date : XX/XX/XXXX Creditor : LVNVFUNDG ACCT # XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Product: Student loan

Navient took over Sallie Mae in XXXX. I haven't been given credit for XXXX. National Data base system doesn't allow former students./students to retrieve info about their payments. Was told the service provider is supposed to report every payment made toward their Student Loan, which is not the case here for me. I've been XXXX over by Navient for 48 yrs. And they aren't deducting the payments from the Principal, Making sure interest incrues instead!!! Balance is staying the same, even though these crooks take my income tax, SS ck. & garnish wages all to line their pockets, Dept. of Education works with these crooks & turns a blind eye. Basically, keep your credit looking bad & will never be out of debt to their sorry crooked XXXX!!! And want to be wrote off, giving me the credit for all the payments I've made between XXXX. And would like to know I can contact to sue/retrieve my archive payments. And how to find out for sure what paperwork I signed for business college.
Product: Debt collection

While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

There should be XXXX reference number but I was informed there are XXXX reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser. 
It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 
I continue to request validation of this account and I have yet to receive it. 

Furthermore this alleged account has already been deleted from my credit file through XXXX. 

As I looked further, I see the other XXXX credit reporting agencies are still reporting the alleged account. 
The reason they are still being reported on the other XXXX is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. 
XXXX has not validated this alleged account and can not continue to report inaccurate and inconsistent information. 
I am submitting exhibits to show that XXXX did not report accurately and consistently. 
You will also see " terms frequency '' is inconsistent between the XXXX major reporting agencies. 
The " loan type '' is inconsistent. 
I see that this alleged account is being reported as closed and as a collection across all XXXX major credit reporting agencies. It should report the same all across the agencies. 
I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported. 

I am requesting that XXXX be removed from the XXXX remaining major credit reporting agencies immediately!
Product: Vehicle loan or lease

I paid off the balance on my XXXX XXXX to XXXX during the first week of XX/XX/XXXX. 
Despite a call and an email, XXXX has neither sent my car Title nor reported the payment to credit agencies.
Product: Payday loan, title loan, or personal loan

I applied for and received an XXXX dollar loan from Net credit. I had just had a XXXX XXXX and needed money to help pay the hospital bills. I was in a very bad place and did not throughly review the documents. 

I was unaware that the interest rate being charged was 59 %! Which is absolutely outrageous. 

I have made numerous payments since XXXX and my principal has not declined. 

My FICO score was XXXX at the time of the loan. I am now aware of my situation and what to payoff this debt but the company is not cooperating. 

If this is not predatory lending..it certainly should be!
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations Please make all listed below update or deleted in my credit report!