23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDIT COLLECTION SERVICES is communicating with me ( such as furnishing information on my consumer report to consumer reporting agencies ) about an alleged debt that I refuse to pay pursuant to 15 U.S. Code 1692c ( c ). CREDIT COLLECTION SERVICES has violated my rights as a consumer under the CONSUMER CREDIT PROTECTION ACT. CREDIT COLLECTION SERVICES is furnishing deceptive information to consumer reporting agencies as well as using deceptive, abusive, unjust means to coerce the collection of an alleged debt that I DO NOT OWE. Debts are the obligations of the UNITED STATES XXXX NOT ME. CREDIT COLLECTION SERVICES furnished information to consumer reporting agencies WITHOUT MY CONSENT. 

I attached my CEASE & DESIST letter with this complaint and the return receipt as evidence that I contacted CREDIT COLLECTION SERVICES regarding this issue and that CREDIT COLLECTION SERVICES received my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is the unable to provide certification and official documents to validate accuracy to the US XXXX XXXX XXXX XXXX XXXXXXXX shows on my Public Records from XXXX and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is XXXX XXXX accurate on there file. Multiple individuals, under my name shows on records, and Lexis Nexis or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Product: Debt collection

I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA
Product: Vehicle loan or lease

I had fallen behind on the payments for my car loan, and in XX/XX/2019 I was able to pay all past due charges, and fees. I had received a receipt of payment from the loan company and my account via their portal had updated to current. Several days later my car was repossessed, the company said they had previously issues a repo order and never cancelled it even after it was paid and current. They advised this was my fault for not calling their customer service dept to inform them of the payment even though you are directed to make payments through their portal. I was then given repossession fees I had to pay to their reinstatement department to have my vehicle released, and that they would have to be paid XXXX XXXX and I would have the car released once the payment was applied to my account for the fees. The fees came to a total of {$850.00}. I paid the fees, and the vehicle was released. I received an email saying that my next payment due date would be XX/XX/19. I logged into my account to pay in XX/XX/XXXX, but I had no bill due. I called customer service to make sure everything was in order with the account and was advised that yes, my next bill was actually due XX/XX/XXXX due to the restructure and payment I made prior to the car being repossessed. In XX/XX/XXXX I received a bill for {$450.00}. I logged into my account to see what this was because my normal payment is only {$350.00} It was listed as a miscellaneous fee, I called customer service and was told this was a repossession fee added in XX/XX/2019. I said that cant be correct, the issues with the car were in XX/XX/XXXX and I paid these fees. I asked to have the reinstatement dept reevaluate the fee, as I had proof of payment. I recieved another bill with the {$450.00} still on the account and now an additional misc fee of {$150.00} added in XX/XX/XXXX. My statement for XX/XX/XXXX is {$530.00}, again no explanation for what these added fees are. They are asking for {$1100.00}, when I should owe {$350.00} for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Wednesday XXXX XXXX XXXX Dear CFPB employees, Subject : Complaint - Request for Proof of Late Payment under 15 USC 1666b To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding a disputed late payment on my consumer report. I have requested proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, that the payments were indeed late based on the specifications of 15 USC 1666b, but they have failed to provide the required information. 

I am a diligent consumer who is well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer financial protection laws. I recently corresponded with XXXX XXXX, specifically with XXXX XXXX and XXXX XXXX, regarding the late payments that they have listed on my consumer report. I requested in good faith the necessary documents to prove that the information required by section 1666b of 15 USC was mailed out or delivered 21 days before the payment due date. 

However, they have not provided any evidence or documentation to support their claim of a late payment. I assert that according to the law, a creditor can not treat a payment as late without complying with the stipulations outlined in 15 USC 1666b. I have not received proof of such compliance. 

This refusal by XXXX XXXX and XXXX XXXX to provide the requested information is a clear violation of section 15 USC 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1666b & 1637 ( b ) of the applicable title. 

I hereby demand that XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX provide the required information and proof of the alleged late payment within XXXX calendar days from the receipt of this complaint. Any correspondence NOT including the proof I am demanding will be deemed a failure to comply. Failure to comply with this request will be deemed as an admission that the reported late payment is erroneous, and I insist on its immediate deletion from my consumer report. 

Furthermore, I will be submitting this complaint and the related facts and correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX and you guys, the Consumer Financial Protection Bureau ( CFPB ) for further investigation and appropriate action if XXXX XXXX XXXX XXXX and XXXX XXXX do not rectify this matter promptly. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and the accurate representation of my consumer report. 

Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I called Experian several times to correct the different names and many address and the work history several times and they still haven't done so
Product: Debt collection

I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting  the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please delete/remove the following unverified accounts CREDENCE RESOURCE MANAGEMENT # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXS # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out and asked them to validate and verify that the account is mines but they couldnt give it to me because they dont have that information
Product: Debt collection

Hello, After my husband 's death, I contacted the mortgage company to notify them and take on the mortgage payments, but the company refused to talk to me. I wrote them several letters, but they refused to talk to me each time. I consulted a lawyer and he said that I should just wait them out because the mortgage company should have handled the situation properly. I have waited eight years. The property has been maintained by me for the last eight years and now they are trying to take the property. Below is a summary of their actions and my actions : Their Actions : 1. In XX/XX/XXXX,  Altisource sent a contractor to preserve the property. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The vendor changed the locks without notifying us. The only way we found out was a neighbor saw him and thought he was breaking into the house ( which he did in my opinion ). 2. On XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX visited the property again. They left the house unsecured. The garage was open and the door to the house was wide open. ( Once again, I am thankful for my neighbors who alerted me about the garage door ). 3. Altisource will not provide any documentation or clear answers to myquestions. My last e-mail was XX/XX/XXXX. I have not received a response. 4. Also, I have several documents ( none from Altisource ). The documents do not make sense and I am not getting clear answers. I hope the documents help you understand all the other things that have happened since XX/XX/XXXX. My Actions : 1. I have written and called to inquire about the mortgage payments, debt collection, and " foreclosure ''. I have yet to receive a clear explanation of anything. Altisource will not provide any clear answers or documentation.
2. I called Altisource XX/XX/XXXX. They told me to call XXXX and XXXX told me to call Altisource. Recently when I called Altisource, they told me to call XXXX. I called XXXX. I talked with a phone representative at XXXX. They listened and said they would call me in two days. I have not heard from anyone. I have sent e-mails to Altisource and they respond sporadically. My recent e-mail was XX/XX/XXXX and I have not received a response. 3. I have contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are rude and will not properly identify themselves. They said they could not talk to me and that I had to call Altisource. Recently, someone named XXXX e-mailed me and wanted to meet at the house on XX/XX/XXXX because he was supposed to give me keys to the new locks he put on the door. I am elderly and I am not meeting someone that e-mails me and demands that I meet them at my house. 4. I have not abandoned this property and have preserved the property since XX/XX/XXXX.
5. I have maintained the lawn. The utilities are still on and operating. I still pay the electricity, water, sewage, and trash bills.
6. I have spent money on other repairs to the house since XX/XX/XXXX.
7. I have paid the taxes on the land.
8. I have paid house insurance since XX/XX/XXXX. The house insurance is up to date.
9. I have done everything that I know to settle this peacefully and legally, but I am getting no where. Please help.
Product: Debt collection

In year XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, Texas XXXX. There were two mortgages, one  {$80000.00} and the second {$15000.00} both financed by XXXX XXXX XXXX XXXX XXXX. Total {$95000.00} with a down-payment of {$6000.00} +.
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XXXX XXXX XXXX XXXX XXXX was then bought by Bank of America. In XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XXXX, Bank of America foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. Bank of America told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe Bank of America any amount on the two mortgages. My three-bureaus credit reports started to reflect XXXX balance on both accounts.
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Then in XXXX, a company called XXXXl, located in XXXX, XXXX XXXX, Texas, XXXX started to call and write to me that I owe them {$15000.00} second  mortgage. Tel : XXXX.
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First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the second mortgage from Bank of America.
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I tried to obtain evidence of sale from Bank of America, BAC but BAC kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only BAC can provide me the evidence of foreclosure sales I needed.
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XXXX then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE.
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The I went to the court the second time to see the judge who thought I lived in XXXX, Virginia whereas I live in XXXX, Texas near XXXX where his court is located.
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After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the two to see what is owed.
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I did. Both papers show and proved what BAC said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX  and could not afford a lawyer.
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XXXX XXXX has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}.
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PLEASE RESCURE ME FROM XXXX. I DO NOT OWE THIS COMPANY A PENNY.
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I will furnish you with necessary documents if you provide me the method ( s ) to.
Product: Debt collection

I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Experian data breach below in the attachments
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, two checks were attempted to be deposited in my account by a XXXX XXXX. The checks were signed using a text box and submitted via mobile deposit. The name used to " sign '' the checks is a name I have not used in over 10 years. Afterwards, a transfer was initiated to a man named XXXX XXXX, to whom I have no connection, by a man named XXXX- assumedly the check holder - of {$1800.00}. XXXX is NOT authorized on my account, I have NEVER authorized another party on my account. I am the only authorized person on my account. 

Both attempted deposits were returned, but the transfer was not. This resulted in my account going negative by {$1400.00}, transfer and overdraft feels hitting my husband 's savings and knocking it down to {$0.00} for a total lost of {$700.00}. I filed claims on all charges IMMEDIATELY. I closed my account, opened a new one, changed all my passwords, and put flags on my social security number, credit report, and with all my other existing credit cards. I told Wells Fargo I do not know how this person got my information, how the mobile deposits were made, or how the wire transfer went through. I know my logins were compromised so I changed my password AND username immediately with Wells Fargo as well. I submitted the fraud claims on all counts. 

OnXX/XX/XXXX, I called to follow up on the claim status. I was advised my claim was denied because " the user had access to my account ''. This is exactly WHY I filed the fraud claim in the first place, I do not know how they gained access to my account. I have run an antivirus on my laptop, reviewed all potential phishing opportunities I may have missed, and have gone through my texts to see if anything was placed on my phone to steal my saved passwords. I have escalated my claim due to the denial, the lack of investigator contact, and no attempts being made to fact-find from me, the account holder and victim. I am now thousands of dollars in debt, unable to pay my bills, and the victim of BLATANTLY OBVIOUS FRAUD that the bank has denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected. 

XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I tried to contact this collection collection, Dynamic Recovery Solutions in reference to XXXX XXXX XXXX asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$42000.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX  and XXXX  Credit Report.
Product: Student loan

I submitted an application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ) on XX/XX/XXXX, after making my 120th qualifying payment. On XX/XX/XXXX, I received a letter telling me that my loans were in the process of being forgiven under the TEPSLF program since I had met all criteria for forgiveness. 

It is now four months since I applied for forgiveness and three months since I received confirmation that my loans were being forgiven under the TEPSLF program and I have not heard a single word. I check my FedLoan account regularly, waiting for some sort of movement. I have called to inquire as to the status of forgiveness and am told they have no information for me, and perhaps I should wait for 5-6 months to go by for forgiveness on my loans to be granted before I follow up with them again. 

This delay is unacceptable, especially when a term of the forgiveness program is that one must remain in qualifying employment up to the day that loan forgiveness is granted, and when the TEPSLF funds are finite. I have done everything asked of me to achieve forgiveness, I qualify for forgiveness, yet I remain at the mercy of FedLoan and the Department of Education to process my application. This should not take months and months to accomplish given all the hoops one must jump through to qualify for forgiveness.
Product: Debt collection

I originally submitted a complaint through CFPB, which shows to be closed due to being forwarded to FTC ( CFPB Report # XXXX ). Included in original complaint was the debt collection agency, XXXX  XXXX XXXX ( CFPB Report # XXXX ). 
Information from CFPB advised " Company 's Response : The subject account was recalled from XXXX by XXXX the day this complaint was received. XXXX had previously provided Ms. XXXX debt validation. XXXX is no longer handling the matter, however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall, has requested removal of the account trade-line from Ms. XXXX XXXX credit history. '' Since this time, I have received multiple phone calls, and multiple letters in the mail, from Source Receivables Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. XXXX ) in reference to this same debt/issue. I have explained the situation to all of the representatives who called, and it has done nothing. 

Original complaint info : " Original complaint info : " Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from XXXX XXXX XXXX  stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!! ''
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccuracy on my credit report. I am promised maximum accuracy in my credit report by law. according to 15 USC 1681 XXXX states that it shall follow reasonable procedures to assure maximum possible accuracy. In my credit report I find that a charge off has be reporting C/O every month thus extending the statue of limitations. Reaging the account is illegal. Not indication if the account has been sold is misrepresentation of account status and not reflection a transferred/sold/paid is double jeopardy.
Product: Debt collection

On XX/XX/2021 I have received an email from some kind of collection agency I do not recognize. Claiming I owe a debt of {$1700.00} from a XXXX  XXXX that I never had in my life. In the email it clearly states to dispute or pay the amount owed. I click to dis put and the information with listed address is all wrong. 
When I reached out to the collection agency, they said they can not sue or report to credit agency for an old debt but wants me to pay for something that I never had in my life with all the wrong information provided in the email. I have told them numerous of times that I never had a XXXX  XXXX nor resided at the address listed. Now they are mailing me a bill that dont exist that they claim exist over 30 years ago.
Product: Debt collection

I just received a notification from this collector Rausch Sturm LLP, and i NEVER received any communication from XXXX XXXX also i not have any credit card with XXXX XXXX, this account is not mine, i demand proof of this account, also Stop to call me you call many times to my phone number inclusive when i work, again this account is not mine. See attach Reference # XXXX