23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account in question : XXXX Company in question : NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX The Company National Credit Adjusters are attempting to collect a debt that I do not owe. They also failed to send me any notice of the debt and my right to dispute before sending the account in question to my consumer Reports. This account is damaging my financial reputation and I wish to have it deleted. 

My current phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harassed by this XXXX, The names, not my name, the address is not mine and doesn't even exist, XXXX it, XXXX, CA... never lived in XXXX and the address is not an address for commercial or residential, a bill they sent me this month from 7 years ago after saying that I was 30ddays late 6 times on a loan that's not even in my name and not even with my signature, then they remove the 6 -30 days late and say I owe them over {$2500.00} six years later, and place this on my Equifax report when it's not been a XXXX on my Equifax in the past 6 years, all the sudden this shows up on my report. 

https : XXXX? usp=sharing
Product: Mortgage

Our mortgage company charged us 2 payments one week XX/XX/20 and XX/XX/20. We are on a bi-weekly auto draft with them. They did eventually refund the one payment but it took several days and put our account in negative for several days. I have tried to request the NSF charge of {$32.00} to be refunded to me from them several times and have still yet to get that refunded. Every time I call I'm on hold for at least 30 mins and usually the call takes up to an hour. Hardly anyone there knows what they are doing. I requested to speak to a supervisor and was told one would have to call me back. If one ever did call me back I never received a voicemail. We were supposed to have a payment taken out on XX/XX/20 and one still has not been taken out. I have tried calling the customer service line several times and after being on hold for about 10 mins I get someone's voicemails saying I'll get a call back and no one has ever returned my voicemail. Their service is horrible. I could manually make a payment online but I don't want to do that and then auto draft come out as well and it double charge us.
Product: Credit card or prepaid card

We sent American Express our Biling Dispute for XXXX domain name registration services, whom I have had an account with since XXXX. 

The charges on my XXXX XXXX that ends in - XXXX inXX/XX/XXXX are absolutely discpouted and I do understand the domain names would also be cancelled. 

XXXX was really awful when I contacted them, saying that I only had 3 days to have the cancels and refund done. And they falsely claimed that they had pre-notified me about the charges for these ( 3 ) :  XXXX.org XXXX.XXXX XXXX.net and cancel the names and Refund the {$180.00}. 

I am really angry with American Express, because they communicated in our statement datedXX/XX/XXXX that they are investigating, on the above and attached documentation, including proof that XXXX did cancel at least 2 of the above domain names after I asked, but refused to refund our Credit Card with American Express! 

2nd- The worst problem of all- AMERICAN EXPRESS DECIDED TO DECLINE COMMUNICATIONS WITH ME, THEIR CARD HOLDER. INSTEAD, THEY TALKED TO XXXX ONLY AND PLAY THEIR FAVOR AND NOT ONLY DECLINE TO PROVIDE ME WITH DOCUMENT ( NOT EVEN A LETTER ) ON WHY THEY COULD NOT ASSIST IN THE LEGIT REFUND OF {$180.00}. THEY ARE VERY SNEAKY AT AMERICAN EXPRESS! 

THEY ADDED IT INTO THE FOLLOWING MONTHS STATEMENT IN XXXX AND THEY ARE VERY DECEITFUL. 

PLEASE FIND OUT WHY AMERICAN EXPRESS WILL NOT ASSIST WITH THE FRAUD AS DESCRIBED ABOVE AND WHY THEY REFUSE TO HONOR OUR CARDMEMBER AGREEMENT. 

Please see 2 docs attached! 

Thanks! 

- XXXX XXXX
Product: Checking or savings account

This is a resubmission of a previous complain that WAS NOT RESOLVED. The previous complaint was erroneously marked as a duplicate. 

I had a past due balance with Ally Bank that is on my XXXX report. The account has been paid off. 

I mailed in money orders totalling {$1900.00} on XX/XX/22 and they were deposited by Ally Bank on XX/XX/22. I checked my XXXX report on XXXX and it is still showing that I owe {$1900.00}. 

Please see the attached file showing proof of payment and negotiation by Ally Bank. 

I checked my XXXX report again on XX/XX/22 and the incorrect information is still there.
Product: Mortgage

Going through refinance of original loan with cash out. Ordered appraisal of which mortgage company charged me for and I willingly paid. 
Appraisal of home completed XX/XX/22 @ XXXX Appraisal report completed and uploaded to their file by appraisal company ( notified of this on XX/XX/22 ). However was told by mortgage company employee ( Freedom Mortgage - XXXX XXXX ) that the appraisal report can not be disclosed until a notice of value is determined by the underwriter. As per her statement her managers instructions was that she can not disclose until this notice of value.
Product: Debt collection

I have received multiple phone calls a day from XXXX. to XXXX from midland financial saying I owe a debt for XXXX credit cards. I asked for documentation showing what was owed and a breakdown of payments and outstanding debt as well as showing that it is in fact me. I was told they do not need to provide info I requested. I told them if is my debt I'd like to work with them to resolve the debt but they need to work with me. I was told it's me who owes and they do not need to work with me. My accounts will be going to a lawyer for legal actions. I responded with if you aren't willing to provide info I guess I'll see u in court
Product: Debt collection

On XX/XX/XXXX Cavalry Portfolio Services was contacted via mail by me because they sent a letter claiming that I owed an amount of debt. I sent them a validation letter to prove this amount because I do not owe this debt. The information was removed off all 3 of my credit reports. Now I received a letter on XX/XX/XXXX about this same unvalidated debt and according to the date of XX/XX/XXXX as the open date listed on the letter, this debt has reached its statute of limitations. This debt remains unvalidated and it has expired but this company keeps contacting me regarding this debt saying it will resume collection efforts. But at the bottom of the letter, it states that due to the statue of limitations they can't sue me for the amount.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/2013. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by XXXX and TransUnion. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : XXXX and TransUnion are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, XXXX and TransUnion have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by XXXX and TransUnion. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by XXXX and TransUnion.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : Account # 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 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: Mortgage

I am a XXXX XXXX XXXX XXXX homeowner who paid my mortgage on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX through XXXX XXXX. I pay through this company because Bayview Loan servicing always says they didnt get the payment or its late. When I got a letter of foreclosure process starting in XX/XX/XXXX. I was confused. They said I was 6 months behind. I called them and they said they returned my payments. Why I asked. I really dont know XXXX with Bayview Said. So I have been talking with him since XXXX and have got further behind because he wont accept payments. I told him I recovered 2 of  the payments through XXXX XXXX but have not been able to get the other 2 yet. XXXX and XXXX. I offered to give him {$2000.00} right then in XXXX. He keeps telling me he will accept the {$2000.00} and two more payments and then hes going to pull my account out of foreclosure status. Nothing has happened with many phone calls and numerous emails which he said to email him and he will call me immediately but never does. I keep calling and I get the run around every time. I am XXXX due to XXXX XXXX XXXX XXXX that are XXXX and my husband has had XXXX XXXX XXXX. I have a XXXX XXXX son that resides with us who needs serious medical help but cant even pay our mortgage on time due to medical expenses. Can you please help us. 

Sincerely yours, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited XXXX check account was flagged for XXXX checking and savings was frozen and ins check was held. This has been since XXXX. I received a check for savings today but nothing for checking or ins check. Have called and went into bank several times I am not able to get access to my money at sll
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off my collection account. I had disputes with them due to the verbal agreement that was had with them. A charge off is a tax write off for them why did they turn around and report it to XXXX Experian and XXXX XXXX. This is a violation of my rights. They did not get permission to do this. XXXX XXXX has committed fraud against me and I would like it fixed immediately.
Product: Debt collection

Comenity Capital Bank / Forever 21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Consumer Complaint Regarding Disputed Debt Account Number Ending in XXXX To Whom It May Concern, I am submitting this complaint regarding the above-referenced account to the Consumer Financial Protection Bureau ( CFPB ) due to noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. This is a formal dispute of the alleged debt and a demand for validation in accordance with federal law.

I do not recognize this debt, and I request that the following information be provided promptly : 1. Validation of the debt : Include all documentation substantiating the debt, such as the original signed agreement.

2. Verification of collection authority : Proof of your legal right to collect the alleged debt.

3. Itemized accounting : A breakdown detailing the original balance, interest, fees, and any additional charges.

4. Creditor information : The name and address of the original creditor.

Pursuant to 15 U.S.C. 1692g, I remind you that collection activities must cease until the requested validation is provided. Any further attempts to contact me, directly or indirectly, without providing the requested documentation constitute a violation of the FDCPA.

Furthermore, under 15 U.S.C. 1692c, I demand the following : Cease all telephone communications with me. Future correspondence must be in writing only.

Avoid contacting third parties regarding this matter unless legally required.

Failure to adhere to these requirements will result in further action, including escalation with regulatory agencies and potential legal recourse. I expect a complete and documented response within 30 days.

This dispute highlights your obligation to comply with federal regulations, and I look forward to your prompt resolution through this formal channel. 
Sincerely, XXXX XXXX
Product: Mortgage

Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.
Product: Debt collection

XX/XX/2022 Weltman, Weinberg & Reis Co send me notice that I owe {$200.00} to a XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ). 

I responded with a letter XX/XX/2022 stating that I'm not responsible for this debt ( see attached XXXX ) XX/XX/2022, Weltman , Weinberg & Reis Co send me letter ( XXXX ) with attachement ( XXXX  )
Product: Debt collection

On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX. 
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX  balance and the account is resolved. 
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX  XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX   XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else. 
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold. 
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything. 
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention certain inaccuracies present in my credit report. Upon reviewing my credit report, I have identified fraudulent accounts, addresses, and personal information that do not belong to me. I kindly request your prompt investigation and correction of the following discrepancies : Fraud Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraud Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX - Account Number : XXXX 3. XXXX XXXX - Account Number : XXXX 4. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Fraud Names : 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 I have never resided at the mentioned addresses, opened the listed accounts, or used the provided names and phone numbers. These discrepancies are indicative of fraudulent activities, and I request your immediate attention to rectify these errors in my credit report. 

I hereby demand the removal of the mentioned fraudulent information within 14 days from the date of this letter, in accordance with the Fair Credit Reporting Act. I explicitly state that I do not require a response from E-Oscar, and any communication regarding this matter should be directed to my address or email provided above. 
Failure to comply with this request may result in legal action to protect my rights under the aforementioned Act.

I have attached supporting documentation, including copies of my identification, to verify my identity. Please use this information to conduct a thorough investigation and update my credit report accordingly. 

I appreciate your urgent attention to this matter and expect a resolution within the stipulated timeframe. 

Sincerely, XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 accounts that Experian are negatively affecting my credit. They have failed to send me any documents as to how they investigated my dispute or send me any information that verified the debt they claim I owe. I am certain that the items I disputed are incorrect and should be removed immediately. I have also disputed the fact the have so many different names for me on file.
Product: Mortgage

Dear Team : Please see attachments CFPB 7 Exhibits XI, VIII, XXII, XIII, XXIV, XXV, XXIX. 

Account # XXXX ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Customer : XXXX XXXX XXXX ; Case # : XXXX ; CFPB XXXX ID : XXXX. 

This communication is in regard a verification of XXXX XXXX 's Note and Mortgage, who owned it from XXXX until XX/XX/XXXX, as stated in a letter that I received from your office, on XX/XX/XXXX. Attached please find the refered letter, Exhibits " 1 ''. Also, please refer to XXXX XXXX 's letter received on XX/XX/XXXX, Exhibit " 2 '' Then, the mentioned Note and Mortgage was acquired in a foreclosure sale Bid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and a Certificate of Title recorded with the XXXX XXXX, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Attached please find exhibits. 

So, if XXXX XXXX in XXXX was already the owner of the subject Note and Mortgage, why was it assigned, sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX )? 

Please keep me inform of the investigation 's progress. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently have looked at my credit report there is multiple inquirys that were not made by me.

The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX. 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by elan financial done not by me.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent existence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant risks to my financial well-being and reputation. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in my records. 

I urge you to conduct a comprehensive review of my credit file and the procedures and systems used by your organization to manage credit information. 

Furthermore, I request that you prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This may involve verifying the accuracy of the information, initiating disputes with credit reporting agencies, and advocating on my behalf to rectify inaccuracies in my credit report. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address these concerns and provide me with regular updates on the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt or credit management

I contacted FLLG to help consolidate my debt before exiting the XXXX. I was concerned about securing employment and wanted to ensure I had a healthy path to pay my debts. Once I secured employment, I increased my payments, thinking my debt would be paid down faster. Several times, I was told they could not pay more than monthly because this would affect the settlement agreement. When I requested to decrease my monthly payments because I was paying 3x the amount paid to the creditors with no progress, they said that would also be a breach of contract. They could not show how this was a breach of contract and stated that if I paid more, they would save the money in my account and pay the debtors once they had enough money to pay off the debt. They also stated the monthly payment included their 27 % fee. When I viewed my XXXX account, they would withdraw the remaining overpayment amount as a settlement fee, leaving just enough to cover the XXXX XXXX XXXX. This prevents consumers from " saving enough to pay off their debts. '' In one case, their " settlement fee '' was {$690.00} when they paid the creditor {$320.00} monthly. {$690.00} is more than their 27 % settlement fee, which is included in my monthly payment. I closed my account with them, and they are keeping my remaining {$1000.00} as a settlement fee. At a minimum, I would like my {$1000.00} back, but I should receive all of my settlement fees for 2024 since they were already covered. I filed a previous complaint through XXXX  with no response, and I filed a complaint through CFPB case XXXX, but the case was closed after I chose to close my account.