23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.
Product: Mortgage

ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD
Product: Debt collection

I am a co-signer on a loan that my deceased grandson originated with Sallie Mae and later transferred to Navient. I asked my daughter in law to contact them on my behalf to request a copy of the loan documents, payment history and proof that he opted out of an insurance that would have covered the debt ( according to Navient ) which I have requested in the past and never received. She sent that request XX/XX/2018. We did not receive any further correspondence from Navient until XXXX when the transferred it to collections and filed negative reporting on my credit history. They also said they mailed a letter on XX/XX/2018 stating they had to have authorization to release information to a third party. My daughter in law did not try to obtain anything until XX/XX/XXXX so I don't know why they would send a letter the day before. As of today I still have not received any of the information that has been requested. Up until XXXX I made all monthly payments timely because they told me it was owed although I have been requesting documentation to show how much was owed for how long and now I have started to question everything that has been paid because to date I haven't received any paperwork other than monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.
Product: Mortgage

I applied for a refinance of my existing mortgage through PHH on XX/XX/2022. I was conditionally approved during the application process after my credit evaluation and income verification. I was then told by my loan processor XXXX XXXX that I needed an appraisal for my home at my expense. I paid appx {$580.00}. My loan app proceeded to underwriting in which they sent me over a list of conditions. I submitted all the required documentation. A week went past and o didn't hear anything so I reached out to my loan coordinator XXXX. She told me that my loan was being sent back because I didn't have enough income to support the loan. I told her that I was already approved to refinance with cash out after I submitted my paystubs and w2 's. She said well they must have over looked something. You will be contacted in 24-48 hours with a decision. I waited 48 hours before I called XXXX to check on the status. She never returned my call however she sent an adverse action letter to my email. I emailed her in reference to the denial notification and she said she thought my income was good she doesn't know why the loan was denied. I felt this was very unprofessional and unethical of PHH to have me go through the process only to deny me after they pulled my credit which dropped my points by XXXX. Also caused me financial hardship by paying for an appraisal that I'm not going to get reimbursed. In addition to the mental and physical stress this has caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I wrote to Equifax, XXXX and XXXX asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX Equifax -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX
Product: Debt collection

I have sent numerous letters to Portfolio Recovery Associates beginning over 3 years ago until recently. After receiving unsolicited threatening phone calls I have also been asked to be removed from the call list. Since this debt appeared on my credit I have disputed this account, and requested for this debt to be validated. I have requested a copy of a valid contract with my signature from this creditor. This has been a very trying process. I had no knowledge of this account until it appeared on my credit file. I have been fighting this collection agency for several years now to no avail. I was a victim of identity theft in XXXX and XXXX and I do believe this were opportunities for individuals to open credit accounts using my personal information. I have added fraud alerts to all 3 major credit bureau reports as a result of this. Portfolio Recovery Associates have been responsible for harassing phone calls after several requests to be removed from their call list. There are laws that protect consumers such as myself from third party debt collectors using these questionable tactics.
Product: Debt collection

This debt was not mine as this is a business account and I am only an employee. The company has been notified by my employer as well as XXXX however they continue to report. This account was a commercial account, I was just a contact person not the responsible party. This company has reported this as a residential account despite being updated from XXXX. Numerous faxes, phone calls, and letters have been written. They have only updated the account to thw bureaus stating that this has been paid however this is not my account and must be deleted as they are reporti g it fraudulently. They are well aware. They have been explained the urgency however they refuse to remove and continue to hang up calls, my escrow has been delayed and may even be cancelled XXXX to the derogatory report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to TransUnion asking that they need to delete and remove this information, but they responded saying that the information was " verified as accurate. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that TransUnion reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with TransUnion. The Courthouse responded with a letter saying at they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FDCPA and my privacy has been breached without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXXXXXX, NC, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with American Express and was not given enough time to dispute the derogatory account. Within 2 weeks I was told that my account was going to collections and this affected me negatively for a number of years.

One of the collectors called me and told me that I was going to be able to re open the account and bring my account back to good standing. After taking this offer into consideration, later when I called I was told there was no such deal. I was then asked to pay a portion of the amount and that they would not report to the credit agency as a settlement but it was, which that was not the agreement. 

I then tried to contact the company to find a better resolve and was told there was nothing that could be done on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX XXXX fraudulent on my Account Number : XXXX
Product: Credit card or prepaid card

I had an XXXX  XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

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.
Product: Debt collection

Finance systems of Toledo keep trying to collect two {$50.00} amounts and one {$120.00} dollars amount that's not mine. I have asked for a itemized statement and they won't provide it. I understand the amount is small but it's not mine I'm sure it would be easier to just pay it but that's not right!
Product: Credit card

I am writing to address serious concerns regarding my account, which has been paid in full, but still reflects multiple violations of consumer protection laws, including unauthorized charges, unfair collection practices, and inaccurate reporting. 

Regarding the details, I purchased a {$78.00} product, but my payment was never properly processed. Following this, Comenity Bank imposed unauthorized fees totaling {$370.00}, an amount exceeding 31 % interest, which constitutes a violation of the Truth in Lending Act ( TILA ). Furthermore, these charges violate Minnesota laws as fees continued to accrue beyond 180 days of delinquency, constituting usury, predatory lending practices, and a breach of the Minnesota Consumer Protection Act. 

For these reasons, I am requesting compensation of {$5000.00} for the damages and hardships caused, including : The unauthorized fees and the financial hardship they created. 
Unlawful collection of improper charges. 
Inaccurate and unauthorized reporting of my account to credit bureaus, failing to reflect a {$0.00} balance after the account was paid in full. 
Additionally, I note that the final account statement has not been provided, which is another violation of TILA and transparency requirements under consumer protection laws. 

I request a formal response no later than XX/XX/year>. If I do not receive a satisfactory response by this deadline, I will initiate arbitration proceedings to resolve this matter and seek appropriate compensation.
Product: Credit card

Beginning the first week of XXXX XXXXXX/XX/year> I began to notice suspicious activity on my Capital One account. I placed several phone calls to find out that someone had gained access to my account and profile on multiple occasions, changing the account information, requesting new cards, opening new user profiles under my account. I have called Capital One no less that 20 times in the past three weeks, had to continue to correct my account information each time because the thief was allowed to continue to gain access. 
I provided identifying information and a copy of my photo ID, yet Capital One continued to allow a thief to access my account and request new cards. I was not given any kind of privacy protection, the account specialists were no help and I spent hours on the phone going over the same information multiple times. They would not set an account passcode that was only known to me. I would be given instructions to call to speak with a specific department... then when I would call, they would refuse to route my call to that department. 
I finally had to close the account I have had for years with Capital One because they would not protect my account from a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX  CT XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Credit reporting or other personal consumer reports

Account Information Credit Reporting Agencies : Equifax, Transunion & Experian Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : OFFICE OF THE ATTY GEN XXXX - collection XXXX  XXXX - collection XXXX  XXXX XXXX - late payment XXXX XXXX XXXX XXXX XXXX  XXXX - collection XXXX XXXX  XXXX - collection XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX
Product: Credit card

I have bogus charges from XXXX. These charges are illegal. They are not even allowed to do business in the United States or with any U.S. citizen. They 've asked me for a fraud statement and I sent it in TWICE! They claimed they never received it and recharged my account {$11000.00} in bogus charges. I 've given them all the info they requested. I am not paying for these charges.
Product: Debt collection

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to IQ Data to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Product: Bank account or service

Citibank issued a prepaid/debit card for a refund from XXXX XXXX after switching service from XXXX XXXX. This refund was issued in my deceased husbands name b/c the account was in his name. The card has been lost/misplaced and is due to expire on XXXX XXXX, 2016. I have contacted Citibank 3 times in an attempt to have the missing card replaced. They have refused to do so without paperwork from an executor. I have explained that there was not an executor of his will as nothing went through probate and faxed them the will ( twice ) to show that all of his possessions were left to me. They have not noted the account as such and say that they have not received the will. I find their refusal to replace the card invalid as the first card was sent out after my husband 's death and feel that they are keeping the money unfairly. I am a XXXX year old widow living on social security and the {$87.00} they are refusing me could supply groceries or other needs.
Product: Vehicle loan or lease

I put down XXXX on a used XXXX XXXX XXXX from XXXX XXXX in XXXX wa in XX/XX/XXXX and its been in the shop since then for water and or oil pump tires and now the whole brake system is out and the warranty they gave doesnt cover any of it and that not including the engine problem its a bucket
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}
Product: Credit reporting or other personal consumer reports

Equifax has been reporting this account late and has not verified the information is accurate. I have asked Equifax to show PROOF of the steps they have taken to validate the reporting and Equifax still hasnt done so. I was also affected by the Equifax breach which also questions the accuracy of their reporting. ( see attachments )
Product: Debt collection

I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XXXX  or XXXX XXXX consumer report ( s ) : Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : A letter date : XXXX XXXX,2020. 
Explanation of item being disputed : o I received a notification of a response from The XXXX XXXX XXXX. That my fraud complaint had a response from the company falsely listing a debt on my credit report. In remiss this letter a person named XXXX XXXX XXXX, esp. addressed me as XXXX XXXX XXXX Which is not my name as the duplicities attempted to codify my identity with his fraudulent debt claim. By conjuring false identities for me which would then appear on my Credit Report and other platforms for public reference. Creating these false Identities directly effects my lively hood. As I am subject to regulatory security checks per my employer. When this false name appears if gives the false impression, I have a fake identity. This causes me to lose consideration for Contracts, raises, Investments, Etc.

o After researching this company, I was able to discover that NCA has multiple complaints of a similar nature. While XXXX XXXX  has been investigated multiple times by the FBI for their fraudulent acts. I then contacted this company ; but prior to sending the letter to the XX/XX/XXXX, I notified the AG of XX/XX/XXXX and the Consumer Finance Division of my legal name. As to prove this company is using unethical, Fraudulent, Defamation tactics to collect debts they know are not legitimate. I provided the three recording of NCA Staff making false names, refusing to provide dispute information, lying about escalating the matter at hand. True to form NCA- XXXX XXXX XXXX , esp . made an abhorrent, fraudulent, and passive aggressive attempts to get me to respond to a name that is not mine. I have tried to resolve this matter without out escalating it to XXXX  Court. But my efforts have failed and need to moved forward in the process. 
o This matter was closed on XXXX XXXX2020 by XXXX XXXX XXXX , esp . of NCA. Though the was no actual resolution. Just a remiss attempt to pacify me. While giving the bare minimum to adhere to the legal standard. 
. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports. Now I have verifiable proof that NCA has attempted to collect a debt that is fraudulent. As well as falsify a fraudulent identity to legitimize the fraudulent debt in question. 

Resolution : Remove item Exponentially. 


Thank you for your assistance. 

Sincerely, [ XXXX XXXX. ]