23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called ABR Recovery Service keeps putting a derogatory collection on my credit report that is decades old. They keep putting it on there as if it were a new debt asking for {$1100.00}. The name of the original credit card company is XXXX, and I think I had a credit card with them over 20 years ago, but cut it up when I got divorced in XXXX. 
Now, ABR Recovery Service can't even keep track of how many times they have put this on my credit report, so now the exact same thing is showing up on my credit report twice, only on one they put the origination date of XX/XX/XXXX and on the other an origination date of XX/XX/XXXX, so it is completely destroying my credit on XXXX  because it's appearing as two separate derogatory marks on my credit. To be clear, nothing was " originated '' on either of those dates. I looked it up and this is called illegal re-aging, taking a very old debt and making it look like it's new.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : 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  ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.
Product: Checking or savings account

XX/XX/2022 XXXX ;. Frost Bank account ending... XXXX Frost 's banking records indicate that an account was opened in my name on XX/XX/2022. 

I have received several emails and letters regarding fraudulent activity. From Social security, to XXXX accounts to checking accounts.
Product: Vehicle loan or lease

Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment. 

Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway. 

Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX, XXXX. XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

Midland Funding has violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Midland Funding violated my rights by furnishing information on my consumer report without the intent to coerce payment in the amount of {$590.00}. On my consumer profile this account they are aggressively attempting to collect on is listed as a collections account with the account type DebXXXX buyer. XXXX XXXX XXXX  XXXX assigned and sold the alleged debt to Midland Funding. I am requesting Midland Funding to provide me with a forward flow agreement between the XXXX. I called Midland Funding to ask for a debt validation. They could not provide me with the necessary documentation proving they have the right to collect, harass, or furnish incorrect information to the credit reporting agencies. Midland Funding is purposely furnishing the amount of {$590.00} as a balance owed to all CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Bridgecrest several times keep violating my consumer rights I never received goods or services from this company. I have told both Bridgecrest and XXXX several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both Bridgecrest and XXXX state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax repeatedly about an old account with XXXX XXXX The account has been deleted and removed from my XXXX   report due to XXXX XXXX inability to resolve the situation or to offer resolution .... Equifax is just as guilty as XXXX XXXX and they seem to be operating on some behind the scenes business partnership level .... I need this XXXX XXXX account removed from my credit report as per my XXXX report. This is causing my credit score to spike and drop every month. It is absurd! They also lost all my data to hackers and I submitted a claim for damages which they appear to be retaliating against!!! This company is the evil corp for the show XXXX XXXX  They will be remembered as an evil company. They should not exist! We do not need 3 credit reporting agencies, especially when this one is purposefully leaking our data on the internet to sell their services ... .. This has to be stopped!!!!!!
Product: Mortgage

I paid off my mortgage loan on XXXX XX/XX/2022. I wired {$330000.00} to NewRez. This represents an overpayment based on the debt reported on my credit report of {$320000.00}. I called NewRez and that they stated that a underpayment was received and this delayed settling the loan. They calim to have received roughly {$10000.00} less than I sent. I have now emailed them repeatedly and they do not reply to my requests for information and updates. It is now XXXX XXXX, more than a month later, and the debt still shows on my credit report and I have received no communication from newRez. i have also not received any money that is still owed to me for the payoff of the mortgage I attached a bank statement showing I wired the {$330000.00} to NewRez on XXXX XX/XX/2022 and it specifies the loan number to be paid off and my name
Product: Mortgage

I had some issues with my online account with  XXXX  Mortgage. I had been in contact with them regarding these issues and my issues with my payments not being processed correctly. The issue started in  XXXX   XXXX  was resolved in  XXXX  of  XXXX . I had my credit report pulled in  XXXX  and was unaware that  Gateway  had reported  three  (  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ) 30 day late mortgage payments on my account. I had been in contact with them about these payments and even had the late fees removed after speaking to someone about the issues. I contacted multiple people  at gateway trying to  get these removed off my credit report do to the issues that I was having and the fact that I have never had a late payment on my credit report in the last 8 years. The were unwilling to work with me in my situation. After writing a good faith lette r ( which I have included ) to the CEO, I asked for them to removed ju st the late payment from  XXXX   XXXX  off my credit report and I was told that they were unable to do this and that I would need to file a dispute with the credit bureaus. They advised me that they would be willing to work with me this way. I filed with all  XXXX  credit bureaus and they did not do what they said they were going to do on my credit report. I am very upset with he lack of customer service provided  by Gateway Mortgage  and their inability to work with their customers.
Product: Mortgage

I have been trying to get access to a verification of mortgage document for the past XXXX weeks, since I am trying to refinance my home. Every time I call to inquire over at Security National Mortgage Company. I always get a different message. That it takes several days. Later on, that the request was never entered into the system properly. Later on, that I need authorization to be able to access these types of documents. Finally when I tried speaking with a supervisor, on several occasions I have been placed on long wait times, to later be hung up on. My second to last call lasted close to an hour and nothing was done. Moreover, prior to this, it took a whole month to get a payoff letter. It has been a nightmare trying to get any sort of assistance and or documentation related to my loan. Sadly, I missed my deadline for document submission to prove my loan was in good standing, and my refinance was denied.
Product: Vehicle loan or lease

i contacted the Santander in reference to my account in XXXX, XXXX and XXXX because my maturity date kept changing. The company sent me a right to cure which was never received. i know this because i called the company and the representative mentioned this to me. the notice states that i was late on my loan payments. Reviewing the attached, sent tome by the company, Santander USA, it clearly shows i made all monthly payments. This is not a true reflection of my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the attached information shows the dates of payments for said months, sent to me by the Santander USA. In XX/XX/XXXX, the loan was paid off with an overage. i was told that Santander XXXX was sending me a $ XXXX check for this overage but this was never received. This is clearly a problem with accounting as i should have been contacted by phone or XXXX mail at the correct address on the legal and binding agreement i signed at the dealership in XX/XX/XXXX. 
My correct address is on the legal and binding contract signed on XX/XX/XXXX. during the time of the loan Santander USA changed my address by not typing the correct address on any correspondence. 
I also asked why i was not part of the XXXX Lawsuit. " Santander has agreed to pay {$65.00} XXXX in restitution to the XXXX states participating in the investigation. This restitution will compensate certain subprime borrowers who defaulted on Santander auto loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I sent in complaint XXXX. Nothing was done as a result & it has been well over 30 days for this issue to be resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Product: Student loan

I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
Product: Payday loan, title loan, or personal loan

Affirm has not refunded my money for item that was returned. 

I purchased an e-bike from XXXX which I financed through Affirm. I paid for the bike in full prior to receiving it. Once the bike was delivered, it did not meet my expectations and I returned it. Because I financed it with Affirm, XXXX refunded them directly. According to Affirm, they received the refund of {$3900.00} from XXXX on XXXX. As of today, I still have not received my refund from Affirm. I called Affirm at least 4 times, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ( I believe I called 2 other times but I do not have the dates ). I've summarized the calls below. 
XXXX : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. 
XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. 
XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. 
XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for 60 minutes, no manager available. 
XX/XX/XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. 

Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been 53 days since they received the refund from XXXX for the returned bike. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.
Product: Debt collection

There was a Company name Receivable System Inc. sent notice to me on XX/XX/2019 to pay 1 Company debt. I requested that company to first show me the evidence that what evidence they have that I want to pay the debt to the company. And I informed this also that within 30 days they won't need to touch my credit report and if they touch it I can take some action under them if I see if negative item. I can give them 30 days to investigate and sent me to result in the mail. 

It's been 30 days and more they didn't send me to investigate result and placed their name in my credit report as a collection agency. 

So I want to report their name to CFBP to help me solved that problem. 

Thank You, XXXX XXXX
Product: Debt collection

I've told them multiple times to stop contacting me the case went to court and was Dismissed without prejudice and LVMV was ordered to never contact me or take legal.action again yet they took it back to court XXXX  years later but this time are trying to say it's a breach of contract yet they still refuse to provide information of this contract they say I legally signed. They have called 13-20 times a day on my cell phone and have also contacted friends and family harassing them to get a hold of me as well.