23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery called me in XXXX around XXXX. They told me about a debt they bought and I paid it. Then they told me about a second debt they had. I told them I would pay it later 2-4 wks? But I got a job offer that required me to move and I needed the money I was going to pay the debt with. They called me once a month then once a week before I had the money again to pay them. I got angry and changed my cell phone number. However I applied for credit again and shortly thereafter XXXX  started calling me again, sometimes 2-3 times a week. I had received an email from them asking my permission to contact me that way and I agreed. After numerous calls, I emailed them rescinding my permission for all contact. When they kept calling me, I sent a letter. I answered a few of their calls and asked them to stop calling my personal cellphone. After they say they're collecting a debt they say they can not take me to court and it feels intimidating. If they can't take me to court bc of the age of the debt and I've asked them to stop calling me WHY ARE THEY STILL CALLING??? I DO NOT RESPOND TO HARRASSMENT AND INTIMIDATION.
Product: Debt collection

Select Portfolio Services have been calling me about a mortgage debt that I owed to XXXX. I was told that they debt was transferred to them and that I owed them for debt from XX/XX/XXXX. XXXX billed me for XX/XX/XXXX mortgage and I attempted to pay this debt. 

. On XX/XX/XXXX asked XXXX XXXX XXXX my mortgage payment was not withdrawn from my account. I was told that my loan was transferred to another company. This transfer for servicing or sale of my mortgage did not follow 1024.33 Mortgage Service Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected mortgage payment from me on XX/XX/XXXX and also responded to complaints in the said month. In XXXX I received a call from an unknown creditor who identifies as Select Portfolio Services ( SPS ) informing that I was late on mortgage payment that was due XX/XX/XXXX. The call from unknown creditor came a few days after I asked XXXX XXXX XXXX about why my mortgage payment from my bank account. Regulation XXXX explicitly states that payments are not considered late during the 60-day period beginning on the effective date of transfer of the servicing of any mortgage 33 ( c ). See attached XXXX bill sent to me on XX/XX/XXXX. How could another company state that I owed them XXXX first bill? Automatic payments were set up wit XXXX which shows my attempt to pay this bill. Either XXXX or SPS reported late payments to the credit bureaus. Yet I have no details about the transfer of my loan. This is the only late payment I have on my credit and this significantly impacting my credit score. Was my loan sold. 

When will I get a information from the SPS about the delays of my loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Student loan

I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.
Product: Mortgage

I applied for an FHA Loan through XXXX XXXX a licensed mortgage professional in Washington state with Cobalt Mortgage. He kept on sending me emails asking me the same questions over and over again. He kept asking me if I wanted an FHA loan over and over again. Finally, after two months, he told me that he cancelled the application that I had completed without my knowledge or consent. He told me that it was the law and that he had to cancel my application. When I wrote an email and asked him which law he was referring to, he could n't tell me what law it was. I think he was just making it all up. He should not be lying to his clients. People trust him to handle the applications completed on his website. He should not be leading people to believe something when it 's not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

it is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting 1 inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit reporting or other personal consumer reports

I received a collections notice from ProCollect XXXX XXXX XXXX XXXX, Tx XXXX Account XXXX stating I owed XXXX. It also stated that had until XX/XX/year> to dispute the debt. On XX/XX/year>XXXX  I miled a letter of dispute requesting that they stop all collections activities until I received all documentation to validate the debt. On XX/XX/year> ProCollect posted the account on both my XXXX  and XXXX credit reorts as an open collections account that has reduced my credit scores and negitively affected me financially. I disputed the debt because I have never received a request for payment or an itemized statement of any kind from the company that ProCollect alledges is the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX ) reported my account as late unlawful XXXX ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}? 
XXXX ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called Well Fargo dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by Wells Fargo that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within XXXX XXXX of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as XXXX XXXX late by Wells Fargo because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that XXXX ) my due date would be adjusted and XXXX ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note Wells Fargo confirmed that they do not report to the bureau for late fees. Also, phone conversations with Wells Fargo note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with Wells Fargo XXXXXXXX XXXX  I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, Wells Fargo XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request XXXX They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Product: Debt collection

I received a " second notice '' letter dated XX/XX/XXXX from Phoenix Financial Services LLC Registered as XXXX  XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but Phoenix can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. Phoenix reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries on credit report. victim of date breach. 


fraudulent inquiries are : 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX . Date of Inquiry : XX/XX/XXXX
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was stolen. I 'd expect a company whose job it is to keep personal information private have at least a competent security system. Now my information is available for unauthorized use forever. Given that they stole my SSN and all other personal information, I believe this will be an issue I will deal with for my lifetime.
Product: Bank account or service

I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.
Product: Mortgage

I was promised a 3 % down payment with New American funding for loans less than XXXX and was also provided approval letter to the seller for getting into the contract as proof of loan for buying the house. But after getting into the contract, the lender asked for 5 % down payment. I had two approval letters with 5 % for XXXX and other with 3 % for XXXX.It seems 3 % down payment is applicable in case of loan amount less than XXXX. Lender provided the wrong information and caused lots of hassle and put the contract of buying the house into jeopardy. I was forced to look for another lender when the valid preapproval that I had was not honored.
Product: Credit reporting or other personal consumer reports

I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for 2 years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to Sensible Auto last month and the credit bureaus about the issue. A supervisor at Sensible Auto stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Checking or savings account

On or about XX/XX/year>, I noticed a withdrawal from Continential Finance out of mXXXX XXXX XXXX  Account No. XXXX. There was a transaction from for Continential Finance for {$990.00}. I do not have an account with Continential Finance, the transaction and account are fraud, and the {$990.00}, needs to be returned to my account immediately. I filed a dispute with XXXX explaining these transaction are fraudulent, I never authorized any payment from Continential Finance, and I requested my money to be returned to my account to no avail. XXXX and Continential Finance are refusing to credit my account or return the money stolen for {$990.00}, for the fraudulent transactions. XXXX XXXX XXXX XXXX Department Police Report XXXX. XXXX.
Product: Debt collection

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : ELAN CACS CC Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. * Please remove all non-account holding inquiries over 30 days old. Thank you for your cooperation in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I received a collection letter for medical services, I sent a written response the same day, I have confirmed that SAVIT COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Received my response. I did not receive a response from the agency. The unverified and contested debit was put on my credit report on XX/XX/year>, with no explanation no response and no explanation. This has destroyed my credit.
Product: Debt collection

I paid off this debt on XX/XX/XXXX. Previous to this, they were calling all hours of the night and day ( after XXXX. ) They provided no receipt, nor confirmation of payment. When I called asking for proof of payment they were incredibly rude with me. I then requested a letter stating the debt had been paid. I was told to wait 10 business days, I did. I then called asking for the letter, I was told I'd receive in 1 - 2 days. I never received the letter or receipt. I've now called every day for the past few days. They say they'll send the documentation but they don't. They are rude and nasty with me on the phone. One accused me to using profanity ( I didn't ) then hung up on me. I need this letter, or even some sort of proof of payment in order to get financial aid for my schooling. I've made it clear how important it is. They keep hanging up on me, or tell me they'll send by the end of the day then never do. I get similar responses to emails, stating " someone will send you the letter '' then never do.