23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one collection from Jefferson Capital Systems for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is XXXX XXXX for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.
Product: Mortgage

URGENT. THIS IS NOT A DUPLICATE COMPLAINT. TIME IS OF THE ESSENCE. MY HOME IS SET TO AUCTION ON XX/XX/XXXX THIS IS A SEPARATE AND URGENT ISSUE. FAY SERVICING HAS CAUSED A NOTICE OF TRUSTEE SALE TO BE RECORDED ON MY PROPERTY. AND AT THE SAME TIME FAY SERVICING HAS STATED THAT THEY ARE REVIEWING MY LOAN FOR A FORECLOSURE ALTERNATIVE. This complaint supplements CFPB Complaint no. XXXX filed and sent to Fay Servicing onXX/XX/XXXX. On XX/XX/XXXXI spoke with Fay Servicing representative XXXX XXXX. And although he seemed a bit confused by his company 's processes. He informed me that my application was deemed complete and was forwarded to the underwriting department for review and a decision. He also said that the scheduled sale date was now for XX/XX/XXXX. This is in contrast to his previously telling me that once the loan modification application was deemed complete that the foreclosure process would be stopped until the outcome was determined. On XX/XX/XXXX however, XXXX said that the foreclosure process is never stopped because, " what if the loan modification does not go through? '' To which I told him that Nevada state law prevents a mortgage servicer from continuing the foreclosure process while reviewing for a loan modification or other foreclosure alternative. On XX/XX/XXXX Fay Servicing caused a Notice of Trustee Sale ( NOTS ) to record on my home. Copy attached. I called back in - XXXX not available, left message. He has not returned my call as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as UD DEPT ED with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There must be a misunderstanding! I submitted a complaint and it was recently closed with no changes and no comments to my report or updates sent to me related to the XXXX items I have listed below which is suppressing my FICO score and causing hardship. 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. Transunion is reporting under public information related to U.S. Bankruptcy Court : This is a direct and clear violation of my rights and I will pursue damages should these items not be corrected/removed. After speaking with the department, they have informed me that they in no way report to any of the credit reporting agencies related to past or present files/cases. If this is accurate as it must be since it came directly from the Texas department, Where is Transunion getting this inaccurate information and able to so call " verify '' when there is nothin to verify. This has gone on long enough and I demand results and instead of the CFPB pushing the responsibility on to Transunion, I demand the CFPB to uphold their duty to protect consumers from predatory actions such as what I have placed in front of you now. Before this complaint is handled with neglect, I would again advise you that I am tired of the run around and do plan on taking action should this avenue not result in the desired result. 

Details of the items in question : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability XXXX {$0.00} Exempt Amount : {$0.00} Remarks Also : I do not live nor have I ever lived at the following address that is present on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX DO NOT JUST UPDATE MY ADDRESS ON THE FILE, REMOVE THE ADDRESS THAT HAS NEVER BELONGED TO ME AND UPDATE MY CURRENT ADDDRESS ) Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX refusal to remove a negative account from my credit report, despite the unique circumstances surrounding this debt. 

XXXX XXXX : A XXXX account was placed under my name, but I did not have access to it. 
The account was managed by XXXX XXXX and all contact information ( including the email and phone number ) was linked to them, not me. 
I was never notified of any balance due because I did not have access to the account or billing statements. 
When I discovered the outstanding balance, I immediately paid the full amount of {$580.00} over the phone to resolve the issue. 
XXXX has since confirmed that the balance has been settled, yet they refuse to remove the negative mark from my credit report. 
This debt was never intentionally neglected on my part ; I had no knowledge of it until it had already affected my credit. 

My Request : Given that I was never notified of this debt and took full responsibility by paying it as soon as I became aware, I am requesting that this account be removed from my credit report as a goodwill gesture. The negative reporting is unfair because I was unable to manage the account or receive billing notifications. 

Desired Resolution : I would like XXXX to remove this negative account from my credit report with XXXX, XXXX, and XXXX. If they refuse to do so, I request that CFPB investigate whether proper notification procedures were followed before reporting this debt to the credit bureaus. 

Since contacting XXXX and settling the balance I was able to transfer the accounts contact information, and address into mine to prevent this situation from happening again. 

Thank you for your time and assistance in resolving this matter. I look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania, XXXX
Product: Debt collection

I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills.
Product: Debt collection

Portfolio Recovery states I owe them money for an uncollected debt from XXXX via a purchase from XXXX XXXX XXXX around XXXX. I do not recall this debt or any transactions from this store. Since then, XXXX has issued me a credit card via XXXX XXXX XXXXXXXX. I have a hard time believing if I did not pay them and they sent me to collections that they would issue me another credit card. If you look at my credit history for the last XXXX years, there has never been any missed payments. I find it odd that at of all my car payments, credit cards and personal loans that I would have not paid this one.
Product: Consumer Loan

I co-signed for a vehicle loan in 2014 for a friend. I was just informed today by Chrysler Capital that the car note is late 33 days and they have not been able to contact the co-owner of the vehicle. I want to know my rights as the Borrower. I want my name removed from this car loan asap to avoid my credit being badly affected. What can I do at this point?
Product: Mortgage

XXXX, a subsidiary of Lakeview Loan Servicing, is servicing my mortgage and they offer what appears to be a customer support hotline at the number of XXXX. This number goes directly to an automated line, with the option to speak with a representative as needed. I called today ( XX/XX/2023 ) several times, at approximately XXXX XXXX  CT, and XXXX CT, and as listed on their website-- https : //lakeviewloanservicingXXXX, their center is supposed to be staffed between XXXX XXXX  - XXXX XXXX  ET M-F. However there is no ability to actually contact an individual, as both the path to speak to a representative to make a payment and reach out directly for assistance go to an automated response that " Our agents are unable to assist you '' with an automated disconnect of the call. I am having trouble interacting with their website and need human confirmation on whether a payment went through, so not being able to contact them is causing stress and frustration.
Product: Checking or savings account

XX/XX/scrub>XX/XX/2024 my card was stolen for the XXXX  time this year and they took out a amount of XXXX  $ from my debit card and the bank ended up saying i was the one that took the money out and charged my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, and historically and well-known Credit Reporting Agency, should have used better precautions to secure personal information for my credit. This incident can possibly have a life time effect on me as a consumer. Now, I am not sure who has my information are what they have or what they could release. I surely do n't want to see something released on the news that could be related to anything regarding my credit. Having a truly free credit report for one year does n't fix this problem. And I am open to negotiations as to how we can best fix this quickly.. for example, how do you plan to compensate me for such a totally irresponsible Act?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian Credit on a fraudulent credit account has been open in my name and submitted documents, and the account is not minds, and they stated the collection agency " XXXX XXXX XXXX  '' stated they verified the account, I never received any Documentation that showed this account is minds,. And the credit bureau " Experian continued to report this account as delinquent as of XX/XX/2021, in the amount of {$1000.00} this is not my account. I have a Credit fraud alert on my account. All I received was an email alert stated they verified this account in a short amount of time within a week, I never received any collection letters from this company or documentation proof of validation
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX - Account # XXXX
Product: Mortgage

On XX/XX/2018 I received approval from XXXX  ( XXXX XXXX XXXX ) for a loan recast. The letter states the new payment will start XX/XX/2018. 
As of today, XXXX  has still not corrected my account. I am due interest so my balance due is showing incorrectly. 
I called and emailed numerous times. I dont get a call back and no one replies to my emails. When i phone customer service, I am told the modification dept only works by email but yet they do not respond. 
I would like for this to be resolved and for XXXX  to complete the recast that i applied for back in XX/XX/XXXX and they approved on XX/XX/2018.
Product: Debt collection

The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX.
Product: Debt collection

In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my XXXX XXXX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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
Product: Debt collection

Jefferson Capital Systems is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Jefferson Capital Systems does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Mortgage

On XX/XX/XXXX we purchased a condo at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX Our mortgage bank is Ameris Bank When we closed on this property, our title company estimated yearly property tax as roughly {$14000.00} based on a purchase price of {>= $1,000,000} and a property tax rate of 1/25 %. Since closing, we have been paying approximately {$1200.00} each month to Ameris bank escrow in anticipation of property taxes due. 

The first half of our property tax came due on XX/XX/XXXX. On XX/XX/XXXX, we received a notice from Ameris bank that they made a property tax payment of {$27000.00} - 4 TIMES MORE THAN THE ESTIMATED TAXES. 

When we noticed this error, I called Ameris support and asked them to correct it. The Ameris representative told me that the City billed them for that amount and they paid what they were billed. The representative also told they would investigate the discrepancy and get back to me in 10 days. I have not heard from them since. 

Since that time, we spoke to the City assessors office and learned that the XXXXXXXX XXXX  XXXX never formally assessed our unit, and therefore never issued a tax bill for it. However there were two tax bills outstanding for THE ENTIRE BUILDING, one for secured taxes and another for supplemental taxes. The City never sent either of those bills to us, nor did they send those bills to Ameris. Ameris found the secured tax bill online and paid it using our escrow funds. THEY PAID THE WRONG TAX BILL AND CHARGED OUR ESCROW ACCOUNT. 

The City also told us that they had not yet received the payment from Ameris. Since Ameris was not working with us to issue the correct payment, and in order to avoid penalties and impounding of property, we worked out with the other building occupants what each of us owed, and we each paid our portion to the city via personal check. AS UNIT # 1 WE HAD TO PAY {$5700.00} IN PROPERTY TAX DIRECTLY TO THE CITY OUT OF OUR PERSONAL CHECKING. 

So at this point, Ameris has overpaid {$27000.00} in taxes to the XXXXXXXX XXXX  XXXX XXXX, and has still not credited that overpayment to our account. And, on top of that payment, we had to pay {$5700.00} out of pocket to meet the property tax deadline. 

Further, because Ameris continues to debit our escrow account with their erroneous tax payment, our credit report is now showing that we owe them {$12000.00}, and THIS HAS ADVERSELY AFFECTED OUR CREDIT SCORES We are beyond frustrated at the incompetence of Ameris Bank in handling this situation and are asking the CFPB to get involved. We have spent over 40 hours trying to fix this mess. Ameris bank has been incompetent and non-responsive this entire time, and this is now affecting our credit score.
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, XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I was attempting to send about {$250.00} to someone but it ended up going to someone else who was using XXXX ( through Chase bank ) for fraudulent purposes. I was unable to cancel or change what had already been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX reports
Product: Mortgage

XX/XX/XXXX We had a house fire. The repair were finished and I was told I would receive all my money to pay for repairs in refund. That never happened. I was told to get a letter with our signature to have the last of the funds put on the mortgage. I said ok. XX/XX/XXXX After HURRICANE HARVEY SHELLPOINT MORTGAGE HAD XXXX XXXX IN LOST LITIGATION TO CALL ME AND STARTED CALLING ME A LIAR AND I NEVER SENT ANY PAPER INTO THE INSURANCE COMPANY THAT PAID FIR THE REPAIR XXXX   XXXX IN INSURANCE. XXXX XXXX told me none of this never happen and that Shellpoint mortgage will kick us out for being XXXX people. XXXX XXXX XXXX told me she can not talk to the insurance department. I told XXXX XXXX XXXX I talk to the insurance department and email the insurance department today XX/XX/XXXX and XXXX XXXX, I spoke to loss litigation on XXXX XXXX. I so gave XXXX XXXX XXXX my medical disclosure ( I XXXX XXXX have a XXXX XXXX I can not keep getting upset because XXXX XXXX XXXX hate customers, XXXX XXXX XXXX hates the XXXX, XXXX XXXX want XXXX XXXX to have a XXXX or XXXX. I do not understand what is going on with Shellpoint mortgage and who they hire to do out bound call but this XXXX XXXX is harassing me and my family.