23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Diversified Consultants  is reporting a collection account on my credit report ( for all   XXXX   credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt.  <P/> The first communication was sent on   XX/XX/XXXX   and was signed for on   XX/XX/XXXX     as proven with  USPS  tracking # :  XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine.   I waited the appropriate 30 days and received no correspondence from  Diversified Consultants.  On day 31 (  XX/XX/XXXX   ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements.   On   XX/XX/XXXX    , I mailed the yet another certified letter which they signed for on   XX/XX/XXXX     as proven with USPS # :  XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account.   As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.
Product: Mortgage

I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. 
I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. 
Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. 
After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. 
So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. 
I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. 
I need help!
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  XXXX Date XXXXXXXX  -XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date XXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As of Wednesday the XXXX of XXXX I havent received my direct deposit. I called capital one they told me it was my employers fault at first. next day comes around and i have to do XXXX step authentication to get into the app everytime until i deleted XXXX XXXX  XXXX that had access to my account. we didnt receive a emails or office statement until Thursday saying everyone should have there deposits thursday night and friday morning. This is by far the worst experience i have had with a bank. they dont answer the phone and they dont have any answers regarding peoples money i have bill i need to pay i am a college student this is not okay.
Product: Mortgage

My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX {$12000.00} Debt included in or XXXX through Bankruptcy XXXX  XXXX, XXXX, or XXXX, XXXX XXXX account number $ {$15000.00} XXXX, DEPT OF EDUCATIONXXXX account number # XXXX, total amount {$20000.00} has violated my rights. Account Info Reference Number XXXX XXXX  US BKPT CT XXXX XXXX Original filing date : XX/XX/2021 Latest status date : XX/XX/2021 1

5 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: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX  XXXX. On XX/XX/2021, I mailed XXXX XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX. 

A complaint was also filed with XXXX XXXX XXXX XXXX  on XX/XX/XXXX, against Resurgent and XXXX. 

I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Product: Credit card

On XX/XX/year>, we tried to buy a stand up paddle board with the card. The purchase was about {$1500.00}. We were {$18000.00} away from our limit and our account is in good standing with a very high credit score. 

The purchase was declined. When we called the company ( Citi ) for more information, we were told a fraud warning had been issued and had been cleared. We could make the purchase. 

After trying again, the purchase was again declined. When we called again, despite trying different solutions for over an hour, Citi could not allow us to make the purchase. 

We were left with no recourse and could not make the purchase with the credit card.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and I noticed some things are incomplete and not accurate.. I sent a letter to XXXX XXXX XXXX XX/XX/XXXX and I asked them to investigate the accuracy of my report when i received the results I noticed they didn't fix anything. They are breaking Federal Law according to 15usc 1681 ( 5 ) i
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding this unauthorized credit inquiry ( XXXX XXXX XX/XX/year> ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with Experian, providing evidence and documentation to support my claim that I did not authorize this inquiry and that it is inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

This is the Fifth time since XXXX that I have requested that Sentry Recovery & CollectionXXXX XXXX XXXX XXXX XXXX # XXXX remove inaccurate accounts on my file.
Product: Debt collection

Collector Sold the same old account that has been disputed n removed from report. Before any knowledge of XXXX  breach I was having issues answering any security questions for verification. After being inform to identifiy thief I started repairing my credit. Thats when a collection near the statue of limitations got sold then re-age also double reporting to hurt my score while being repaired
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have asked this company several times to stop calling me at my place of employment. My office manager has explained that we can't have personal calls at work but they still call. Today at XXXX XXXX I told XXXX with XXXX XXXX  once again to stop calling. 

XXXX the manager has threatened to come to my place of employment. This companies collection practices are illegal. They are heartless and cruel. 

Even though I speak to them they still call my references. They are trying to embarrass me during this rough patch in my life.
Product: Debt collection

I mailed a certified letter to verified the debt and no response and I need ask for removal of deletion off my credit files if cant provide. no response.. NO CONTRACT
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$60000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regard XXXX XXXX  and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
Product: Consumer Loan

I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.
Product: Debt collection

Wakefield & Associates call me even after I told them the person they are trying to reach is not associated with this number. I have received 12 text messages as well without any actual information, just a link and a phone number. This is the detailed call list. 
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX when I told the company there is no such person and to stop calling. 
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX rep hung up XX/XX/2023 XXXX XX/XX/2023 XXXX
Product: Checking or savings account

My husband and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, my husband went to pay his credit card bill, and find out that his account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling him he needed to go into a branch. After several tries, the issue was finally resolved, or so he thought. My account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is asinine.
Product: Debt collection

Amerassist - smile direct club has been reporting on my credit for over two years now as of todays date. I have reached out to the company in the month of XX/XX/XXXX, XX/XX/XXXX in order to receive notification of this debt and its validation being that I am unaware of it.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from PENN CREDIT CORPORATION Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did reply back to my initial letter PENN CREDIT CORPORATION but they are still violating federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter on XX/XX/XXXX. So, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Product: Student loan

My XXXX school loans were being serviced by XXXX XXXX. When I applied to PSLF, Fed Loan Servicing unfortunately took over. I refinanced part of my loans with a private lender XXXX. XXXX XXXX received the check from XXXX for the payoff amount of {$77000.00} to pay off the XXXX ( non -direct loan ) portion of my student loans. XXXX XXXX cashed the check within 1 week. XXXX XXXX then forwarded the money to Fed Loan Servicing. It has been 6 weeks, Fed Loan Servicing has not posted my payment. I have called several times. They keep telling me it takes a while to process a payment. I would like someone to look into this matter. I feel they have misplaced funds. It is unacceptable to wait this long to process a payment.
Product: Credit card

I want the company to respond on the CFPB Website. It is inappropriate for CFPB to give Citi permission to respond outside of this complaint portal. I am not concerned about privacy.. My former complaint was closed without an answer from Citi XXXX XXXX. 

A purchase was made in the amount of {$58.00} on XX/XX/2024. We filed a dispute to retract the payment. XXXX We need details about the transaction and dispute resolution? Identify the bank, account number and owner that received the initial payment? Provide details about the Merchants response and credit received for the dispute.

CFPB wrote : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. ''
Product: Debt collection

Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX  is charging me XXXX of which I have already paid XXXX. I am asking for an arrangement because I have lost my job and they send me a letter that my debt is now XXXX. I think it is not fair and I should seek help to solve this problem.