23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SN Servicing Corporation is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. The last payment made on the subject account according to SN Servicings internal records was XX/XX/XXXX. 

SN Servicing became the servicer of the subject account on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX became involved via Assignment of Mortgage XX/XX/XXXX. The New York XXXX XXXX  XXXX XXXX XXXX states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing Corporation is required to inform me that the statute of limitations has expired. The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

SN Servicing Corporation has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York XXXX XXXXXXXX XXXX XXXX debt collection rule 23 NYCRR 1, Section 1.3XXXX, despite many written requests.
Product: Mortgage

Dear Sir or Madam, I would like your help to prevent Rushmore Loan Management Services a Debt Collector company from using any dishonest tactics to take my home. They want to change my Monthly payment from {$470.00} to {$510.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from that debt collector that indicated there is a shortage of Mortgage escrow. '' According to them they indicated a projected low point of {$810.00}. " Under the Mortgage contract State or Federal law, the lowest monthly balance should not {$280.00}. '' The difference between the projected low point and the amount required is $ XXXX This is the shortage. '' When I called them I spoke to to Rep. Ms. XXXX ID # XXXX on XX/XX/XXXX I was told the reason my mortgage going up on XX/XX/XXXX is because my hazard Insurance went up to {$1600.00}. My previous Hazard Insurance was {$1400.00}. The difference was only {$220.00}. 
I called the XXXX XXXX to tell them that I was about to drop them because the Insurance went up. They brought down the payment to {$1100.00} They sent me a refund check for {$540.00}. They told me to cash the check and returned my personal check of {$540.00} to The Debt Collector Escrow Department. I faxed to # XXXX a copy of the check from XXXX XXXX and a letter indicated the check for {$540.00} was sent to adjust the Mortgage Escrow shortage, Now my Insurance is lower than last year from {$1400.00} to {$1100.00} which I was paying {$470.00}. I do not trust them because they sent me a letter as written acknowledgment of receipt of my correspondence received by their office on XX/XX/XXXX, XXXX without even mentioning the check of {$540.00} that was sent to them with my letter. They also have not cashed the check and requested 30 days for review. 
Please help me, as a XXXX Year old with a husband that suffers from XXXX I can't not afford my mortgage to go higher because I will not be able to afford it. 
Your help will be greatly appreciated. Thank you very much!
Product: Money transfer, virtual currency, or money service

I received an email XX/XX/22 stating it was from Pay Pal stating that the invoice had successfully settled. My order was fulfilled. It gave contact info for Pay Pal at customer support at XXXX XXXX XXXX ( I did not call ) It gave the detailed order info for a XXXX XXXX XXXX for {$660.00} stating product will reach me in XXXX. I do not have a Pay Pal account
Product: Debt collection

I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is incorrectly reporting account XXXX as being PAID, and closed, but charged off with all XXXX CRA 's. This account has never been paid ; they are using this classification to keep this data on my credit reports indefinitely. The first date of delinquency was XX/XX/XXXX ; then the account was charged off in XX/XX/XXXX. There has been no payment since the account was charged off. The account per the FCRA should be removed on XX/XX/XXXX, which is XXXX years from the date of the first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2016,IwastoldbyacarlotownerthatIwasnotgoingtobethecosignerbutatemporaryco-signerforapproximately30dayswhichwould'vebeenaftermydaughterhadproducedapaycheckfromhernewjobbyXXXXXXXXofXXXX,VA.Theowner/carsalesmantoldushewouldtakemynameofftheloanandthecarwouldonlybeinhername.Theownersaidhewouldnotturntheaccountovertoacarfinancialagencyandkeeptheaccountasin-housefinancing.IaskedifIcouldgetthisinwritingandhestatedthatIcouldtrusthim.Whenmydaughtergothercheckandpresentedittohimhehadexcusesastowhyhecouldn'tputitinhernameonly.Duringthistimehedidn'tinformherthathetransferredtheaccounttoacarfinanceagency.Aftermorethantenattemptstoincludepopupvisitsatthecarlotandphonecallswewereunabletoreachtheowner/salesman.Approximately18monthslaterIreceivecallfromUSAutoCreditstatingthatmycarpaymentislate.IinformedthemIhadnoacknowledgedthatmyaccountwastransferredtothemandtoldthemwhatwasgoingon.
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from Credit Control LLC Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is XXXX XXXX and is regarding an XXXX XXXX account Account # xxxxxxxxxXXXX. I did not apply for credit account with XXXX XXXX XXXX XXXX XXXX. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or XXXX XXXX. I did not apply for this credit and this is not my debt.
Product: Mortgage

I was doing a refi with Wells Fargo when the interest rates were low. I already have my loan with them. It took them 6 months to do my refinance. They then declined my loan. I have perfect credit and income. I am a single XXXX  that lives in a XXXX  development in XXXX XXXX. They would not even give me my appraisal refund back. I do have documents and emails from all my correspondence. It was to late to go to another lender because interest rates went up.
Product: Debt or credit management

I signed up with Infinite Law Group Derek Williams through XXXX with XXXX XXXX  in XXXX XXXX XXXX I paid almost XXXX a month until XXXX of this year and none of my debts were settled. I couldn't get people to call me back. I would stay on hold for over an hour at at time to get someone on the phone. I had to pay all of the fees up front but no services were rendered by Infinite Law Group/Derek Williams . I stopped paying XXXX XXXX and stopped my payment/withdrew with Infinite. I am out a LOT of money with nothing to show for it and was sued twice. I am filing a complaint for review to get my money back. I would not sign up with Derek Williams or Infinite Law Group unless you just want to give money away. It is a horrible service.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXXXXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX. 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Debt collection

I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C. section 602 A. States I have a right to privacy. 15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions. 15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.
Product: Credit reporting

To whom this may concern, This is a follow-up to my previous letter sent to TransUnion on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours, XXXX XXXX XXXX
Product: Mortgage

Lender asked me to fib on my tax return, was unavailable to answer questions in a timely manner, belittled me told me I was the reason for her being behind on her files, gave empty promises to ALL parties involved, told me I had to pay all my PMI upfront XXXX at closing because my credit score wasn't at a XXXX. Only to find out it was a XXXX. Had my information for months but called me weekend before closing at XXXX XXXX said not closing. I really feel disrespected and DISCRIMINATED against. Finally I felt pressured to pull out of loan
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on XX/XX/2018 on my cr.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!
Product: Checking or savings account

Direct deposit has been down, i am supposed receive my pay wednesdays around XXXX XXXX  est, this week ive still received nothing and still am waiting for my pay, they didnt even reach out to anyone to say anything we had to found out the information ourselves through XXXX.
Product: Debt collection

At XXXX, a friend and I secured an apartment online on XX/XX/XXXX in XXXX, CA. Feeling pressured during the phone conversation with the apartment representative, I hastily signed a lease without a clear understanding of the terms online, as it was my first rental experience. Surprisingly, I never physically visited the apartment despite the necessity of a Guarantor ( my mom ), who, in the end, NEVER signed the lease agreement and it says JOINT. ( SCAM ) In an attempt to cancel the lease due to negative XXXX reviews and the absence of a co-signer, The XXXX XXXX  acknowledged the cancellation and ceased further communication. I did not hear from them. 
After graduating and seeking a new place to live, I faced denial. To my astonishment, an {$8800.00} debt appeared on our ( mom and I ) credit report, sent to collections by XXXX without any notification. 
On XX/XX/XXXX again, I reached out to the creditor with specific requests : The original contract bearing my and my moms signature. 
Confirmation of debt ownership. 
Details of the original creditor : name, address, and phone number. 
( Account # XXXX, XXXX Account XXXX XXXX ) Regrettably, the creditor did not respond to my inquiry. They have destroyed my credit ; I cant even get a credit card. My mom didn't sign anything. 
Many other people on XXXX have reported same dispute for XXXX XXXX XXXX. Scam students to signing and then the apartment not cancelling and the lease and collecting money. 

Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Un-authorized inquiries are 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: Money transfer, virtual currency, or money service

It started on XX/XX/XXXX and concluded on XX/XX/XXXX. The problem started when my former associate and I were exchanging services for payments. I agreed to do the services he requested in exchange for equal value, and it was going smooth up until the week of XX/XX/XXXX. He started saying that he didn't have to do the things I asked him to do and kept making excuses up until XX/XX/XXXX when he blocked me after he got the money from PayPal 's chargeback system. I have pages and pages of conversations of him and I agreeing to the past deals in question and doing the services. 
Transaction dates : XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I can provide screenshots of the PayPal conversations and conversations with the individual in question if needed
Product: Debt collection

Me and my husband purchased a vehicle with a dealership that used Coastal Credit as our lenders. My husband got out of the military and we unfortunately had to leave the state and move back home which put in in a lot of financial strain. We attempted to have the car picked up in New Jersey as that is where we were located. The car was never picked up and we were continuously harassed about making payments. Fast forward to recently having to go through an ordeal with courts where we live now as they are attempting to garnish my wages for an amount that hasn't been specifically explained and documentation has not be furnished to show why that specific amount is being asked for. They were asked to come get the car and they did not do so. Instead it got impounded and then auctioned off. I am the only one working in my household right now and have dependents that depend on my checks. I cant afford for 25 % of my check to be taken. This debt is from XX/XX/XXXX and we are in XX/XX/XXXX. That is almost 7 years ago that this happened. They haven't attempted to contact and process anything until right now.
Product: Debt collection

Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK
Product: Credit card

My credit card was stolen along with other identity information such as my driver license and social security card from my bag at the airport in XXXX around XX/XX/2024. There was that same day, 2 charges from XXXX for {$5600.00} and {$11000.00}. I quickly called once notified and had these charges reported for Fraud. They were in a completely different state of XXXX XXXX, XXXX of which I have never visited or traveled to. I was given a temporary credit to my account and XX/XX/2024. I was contacted at the end of XXXX by a XXXX about my case, XXXX Case ID : XXXX. I was told that they would be requesting a copy of my replacement Drivers license and social security card. I informed them that I was out of the country due to my wife and that I was not completely sure when I would be back, but I would assume 2 weeks and that I would send it in once I could if so. I was told that was not an issue and given no more information outside of that cases usually take 90 days to complete. On XX/XX/2024 I was informed that the charges had been put back onto my account. There was no warning or contact sent prior about why or a deadline. After contacting XXXX and Elan financial, I was told the reason why was because I had not sent in a drivers license and social security. I reminded the agent that I had stated that I was outside of the country caring for my wife and that I was not sure when I would return. This did not seem to be any valid reason to close or deny my claim. I was then told to order a temporary ID online and that would be accepted to have my claim reopened. I had never been informed of this prior or that there was a deadline to have my Drivers license/Social card sent back in. I ordered the temporary drivers license on the website and sent in the form as requested. I also sent in a social security card copy by fax on XX/XX/2024 and XX/XX/2024. It was confirmed received by XX/XX/2024 and I was told that XXXX would no longer be my case manager, it would be another individual named XXXX who would have my case reopened and pushed forward. I called XXXX multiple times daily to the number XXXX over the next 2 weeks with only an answering machine ever responding. Around XXXX XXXX, I put in a callback request and again reached XXXX about my case. She said that she would have it relooked into to have reopened and resolved. On XX/XX/2024, I was told that my case would remain closed because I had not provided the Drivers License in time. Again, I was never given a deadline on supplying this information and I had informed from the beginning that I was out of the country caring for my sick wife. This is an extremely large amount of money to be told that I am responsible for fraudulent charges when I clearly informed and supplied the documented information that XXXX requested as they requested it. If I was unable to supply it, I informed them of my circumstances and this should not be the deciding factor as to whether I am being held responsible for over {$16000.00} in charges.
Product: Credit reporting or other personal consumer reports

I had my Driving record check to receive insurance rate. I notice XXXX incorrect information on it and I do not know anything about it. XXXX of them is for no fault accident and one was for collision back in 2018.