23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

QWR, DVR and Complaint against Servicers and debt collectors XXXX XXXX and Sub Originator, Servicer and Debt Collector Blend Labs , Inc for violations of FDCPA, TILA, RESPA, UCC, making false statements to the Government Agency, illegal use of unregulated artificial intelligence for criminal purposes and other misconduct. Both Companies are part of Servicing and Debt collection team, thus are servicers and debt collectors under RESPa and FDCPA. Blend Labs and all hidden parties must be disclosed to me under TILA as well as compensation received by them for originating my faux " VA Loan Transaction '' On XX/XX/XXXX I spoke with call center XXXX XXXX XXXX XXXX who impersonated as a Lender who can sell me VA guaranteed loan ] and its employee XXXX XXXX. 
XXXX provided me a link to " secured website '' which was owned and operated by suborigiantor, servicer and debt collector Blend Labs, inc. which is fully integrated into XXXX XXXX XXXX XXXXXXXX Servicer and debt collector XXXX XXXX XXXXXXXX XXXX. 
I signed the Contract provided to me by Blend Labs , Inc, not with call center XXXX XXXX XXXX XXXX. Blend Lab - who was the ACTUAL suboriginator - forwarded my Application to originator XXXX whose fully automated Mortgage Servicing Platform XXXX XXXX  program and faux branch XXXX generated false " Flood Map Determination ''. XXXX 's XXXX prepared faux " loan documents '' ; provided me " Commitment Letter '' from XXXX XXXX XXXX XXXX XXXX [ fully owned by hedge fund XXXX XXXX ] ; and illegally inserted XXXX XXXX aka Intercontinental Exchange ] as a Mortgagee. 
Closing Disclosures were automatically generated by fintech company XXXX and did NOT disclosed the REAL originator XXXX ; suborigiator Blend Labs ; Caliber - whose commitment Blend Labs sent to me via its " secured website '' and XXXX XXXX who was the 100 % owner of Caliber Closing Disclosures were forged to remove Pacific Time Zone where they were forwarded to Blend Labs who generated them to me via " secured email '' All these documents were sent by suboriginator, servicer and debt collector Blend Labs to the closing Agent XXXX XXXXXXXX XXXX XXXX did not participate in any part of my transaction other than forwarding to me link to Blend Labs , Inc and providing its name for faux documents.

Since my transaction was so-called " VA Guaranteed loan '' it must be FUNDED by XXXX XXXX  and SOLD to XXXX. It never happened because XXXX was not the lender, did not fund the loan and never sold anything to XXXX or anyone else. 
Blend Labs generated a forged XXXX XXXX XXXX on my closing day, XX/XX/XXXX, without any disclosures to me XXXXXXXX XXXX  was not the Creditor and did not owned my alleged " DEBT '' to have any authority to hire XXXX XXXX XXXX XXXX XXXX whose employee XXXX XXXX attached forged signatures on fraudulent and illegal " Assignment of Mortgaeg '' on XX/XX/XXXX when XXXX became XXXX XXXX XXXX who is fully responsible for this Assignment under " respondeat superior, '' meaning " let the master answer, ''
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00} XXXX {$1100.00} XXXX XXXX XXXX {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX. I as alerted from my credit monitoring service that new inquiries were noted on my credit file. So I randomly Transunion credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there were no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. The credit bureaus can only investigate and remove hard inquiries. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. I would like the hard inquiries removed. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, the items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 I, XXXX XXXX , am giving full authorization for this request and removal of hard inquiries as stated above. The purpose of this request is for the removal of hard inquiries on my credit report as listed : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX referred my Account to XXXX XXXX XXXX and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXX XXXX XXXX I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX XXXX XXXX XXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent XXXX days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, XXXX, Equifax and XXXX.
Product: Debt collection

To whom it XXXX concern I reached out to BARCLAYS BANK DELAWARE regarding the charge off that listed on my credit reports. 


BARCLAYS BANK DELAWARE Has failed to provided me with the XXXX for the charge off debt thats listed on my credit file. Its has been 9 years and there still reporting this account as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with Great lakes in regards to my account status being " closed '' " paid in full '' " balance XXXX '' and showing an age of 7 years and 2 months still remaining on my credit report and showing a negative status. i have successfully rehabilitated this loan and have opened the account in positive standing with a new loan through Great Lakes, when contacting the company i was told there is no way to remove it. the acocunt was closed in XX/XX/2015
Product: Money transfer, virtual currency, or money service

Capital One let us cash a fake check that someone sent to us and put the money into our account. Because the money entered our account, we thought that the check was valid. So then we sent a portion of the money received to the person who sent us the fake check as they claimed that it was for moving fees.
Product: Debt collection

Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.
Product: Student loan

I was enrolled in an income driven repayment plan when student loan payments were suspended due to XXXX. Borrowers were told recertification was not necessary until payments were resumed. I did not receive notification to submit any recertification documentation but was transferred to a different repayment plan without my permission by MOHELA. 

In XX/XX/XXXX I applied for the repaye/save plan but was denied due to lack of documentation even though I gave permission for them to access my income through IRS electronically XXXX? I resubmitted an application for Save in XX/XX/XXXX using self certification and was notified the application processing would be delayed for weeks and subsequently got my first bill for a absurd monthly payment of $ XXXX I will absolutely not be making that payment and notified MOHELA of that through email. 

I expected that the process of resuming payments would be complex but transferring people to new payment plans without cause is a huge, unnecessary complication.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE XXXX  THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, XXXX  THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account ASSETCARE XXXX balance {$3600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, ASSETCARE. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Debt collection

I sent a certified debt collection letter to Portfolio Recovery on X/XX/2017. Information was sent, but all they really sent was a copy of some bills from two companies. I sent copies of this information to the credit bureau and asked them to dispute and it came back verified without stating how the information was verified or what additional documentation was received. I have enclosed the copy of the Certified Mail receipt, debt validation letter, the letter and statements that they sent, as well as a copy of the information that I received from XXXX and XXXX. XXXX did not send dispute results and it is still reporting on my report so I can only assume they verified the debt as well.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. 
I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX
Product: Debt collection

In XXXX, my father passed from XXXX, so half of his property went to my mother and other half went to myself and husband & my brother. We live in Kentucky. In XXXX, apparently Asset Acceptance attached a lien to property, but in XXXX, we signed our parts of this property over to our mother. That's in XXXX. Nothing was said or mentioned about the lien and I was allowed to sign it into her name. Then a year or two later, when my mother decided to sell property, Asset Acceptance decided they were going to sue over my debt, my mother 's name wasn't in the debt, this debt act, I think was through XXXXXXXX XXXX over revolving credit card where I borrowed to get a XXXXXXXX XXXXr through XXXX. That debt was around {$5900.00} I think. Anyway they told realtor that over {$9000.00} almost {$10000.00} had to be paid before property could be sold so my mother had to pay that amount to sell her property. We both had financial difficulties at the time and we were planning on paying for some things we needed to get to survive and play catch up. This company, Asset Acceptance has an attorney from XXXX, Just named XXXX XXXX XXXX and I called the phone number on paperwork they showed to claim the debt and ask for exact payoff so I could at least make sure they weren't overcharging on the debt or adding too much interest but they refused to give me an exact payoff because they already had let yhe appraiser know and I felt like they were wrong with how the whole situation was handled and my business was made knowledge to my mother and the appraiser and I wasn't even allowed to check to see if I was scammed because it was very nerve wrecking and already having issues with my finances and now they were allowed to just take without having been XXXX percent sure about everything and at a time in my life where I was having issues already dealing with my dad 's death. I would like someone to just look at the case and my original creditor to see if they were within the law when they collected the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}
Product: Credit reporting

My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX
Product: Debt collection

I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.
Product: Debt collection

This company keeps calling me trying to contact my sister. I have told them several times to stop calling me. They are incredibly rude and wo n't stop. This is not my concern or my business and it is harassment.
Product: Checking or savings account

i made a payment from my checking account to XXXX credit card on XX/XX/2018. my account was not charged until XX/XX/2018. i made a deposist of XXXX usd on XX/XX/2-18. as of today XX/XX/2018 it still has not registered. i called 5th third on XX/XX/2018 and was told the deposit would be availible on XX/XX/2-18. it is still not availible.