23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company continues to call and this was paid in full - The doctor 's office neglected to file the claim appropriately as they filed it under the wrong patient name thus my insurance declined the claim. I have talked with the insurance company and they paid the claim and the doctor 's office cashed their check in XX/XX/2018. The collection agency will not remove off my report. This should never had made it on my report.
Product: Debt collection

Thunderbird Collection Specialists, Inc ( TCS ) contacted me using US mails on XX/XX/. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. 
These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. The company did not have a license to collect debt in my state at the time of XX/XX/. 
On XX/XX/XXXX  my daughter informed XXXX XXXX that she was going to dispute the alleged debt but due to greater privacy laws, HIPPA violations, and mail fraud violations, she advised XXXX XXXX to remove the account immediately.
Product: Credit reporting or other personal consumer reports

My personal data was used in a attempt to get credit and/or loans. This occurred between XX/XX/XXXX and XX/XX/XXXX. I am reporting inquires on my credit report as fraud.
Product: Mortgage

Nationsta mortgage will not give me or peoples bank payoff amount so I can refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It

May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}. 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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request th
e method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCR

A, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. -- COLLECTION ACCOUNT -- 1. 12 XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account.
Product: Mortgage

Wells Fargo bought my mortgage in XXXX  and immediately sent me my new payments that were doubled the original. I complained to them and sought help but found no one to help. I was desperate and tried to sell but could not. I knew I was going to loose the house but ended up loosing my house to a scammer that promised to take care of the problem but never did. I was scammed and Wells Fargo seemed to cooperate with the scam and shunned me. 

House was in my name until about 4 years ago when I finally found a lawyer to get it out of my name. The only reason why the lawyer could solve the problem was because after all that time, Wells Fargo started refusing to accept payments from the scammers even though they knew for years it was owned by a house buying scam. Why not, easy pickings for a free resale and all they had to do was foreclose on the people in the house who were put there by the XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account under XXXX XXXX Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Mortgage

Was doing a loan modification with asc /Wells Fargo and after months of negotiations they said I didnt qualify and have to repay the x amount of dollars which I could not come up with and I understand the have a lawsuit against them for doing this to numerous customers! Then ended up forclosing on our house which we had for 20 years! went to several lawyers but none could help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

ORGINAL DEBTOR : CAPITAL ONE BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original problem- I paid Capital One Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to XXXX XXXX XXXX 's, XXXX. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.
Product: Debt collection

Consumer Portfolio Services calls me repeatedly several times a week, harassing phone calls which I have a number of save message from week to week. This has been going on since  XX/XX/XXXX . I do not have or owe this company any thing. I have asked on numerous occasion for the many different representative to stop calling me on a daily basis. I get at least 2 to 3 calls some times more during the each week. This has been going on for a minimum of 2 plus years no exaggeration. The latest calls were from   XXXX   XXXX  - XXXX    XXXX   XXXX   as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Product: Credit reporting or other personal consumer reports

I reported with Equifax that The XXXX XXXX account is not verified to 100 % accuracy. Please review the payment history 120 120 9090 days please review the photo Im sending.
Product: Debt collection

This is to dispute the debt XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Under the law of 15usc1692cc Clearly states- if a consumer notifies the debt collector that the consumer refuses to pay, the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am not liable for the following Inquiries from ( XXXX ) - ( XXXX ) - ( XXXX ) - ( XXXX XXXX XXXX ) .nor do I have a contract with them and they did not provide me with any signed agreement between us. I never made any Inquiries from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report erroneously reports student loan accounts as open/never late with a balance, despite the accounts being closed. Both XXXX and XXXX have reported the accounts as closed. I have disputed the accounts and provided XXXX with notices from the student loand company that the accoutns are closed, however, XXXX continues to erroneously report the accounts. I have also contacted the student loan provider ( EdFinancial ) who is unhelpful, and simply repeats that I must deadl with XXXX directly. 

I have previously filed a complaint with the CFPB but following the companies responses, the CFPB simply closed the complaint.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, Equifax, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND complaint. Experian is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to Experian on XXXX/2021 ( attached ). Experian responded stating I gave them limited amount of information and that they were not honoring my request. It also stated on page 2 that the response was in reference to hard inquiries on my credit report ( both attached below ). My Affidavit of Truth and exhibit of proof clearly showed that the Affidavit of Truth was in reference to the hard inquiries shown on my credit report and that I wanted them removed. They were highlighted in yellow. Experian was also never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off. 

I filed a complaint via the CFPB on XXXX XXXX in regards to Experian 's lack of compliance to my Affidavit of Truth. They responded stating, " These inquiries display on your credit report when it is accessed by others with permissible purpose ''. I never gave Experian written consent to display any hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY.XX/XX/XXXX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF A XX/XX/XXXX XX/XX/XXXX ACCOUNT I OWE ANYTHING TO REPORTING BY XXXX XXXX.
Product: Credit card or prepaid card

I have a Nordstroms account XXXX. They placed my account on hold telling me I needed to go into a store and show ID which I did on XX/XX/XXXX or XX/XX/XXXX in XXXX, TX. I was then told on XX/XX/XXXX that they couldn't verify my Social Security number and they were waiting on information from the Social Security Administration. Well fast forward I was told to go back to a store with my SSN and Photo ID which I did and then was told I needed to mail it directly to them. Which I find a little odd seeings how the mail can be lost. I called customer service only to be told I only had a certain number of days to send in the information and since I didn't the account was closed and can not be reopened. This was on XX/XX/XXXX that I was told to go into a store and on XX/XX/XXXX is when I went into the store. I was never told beforehand to send in copies of the information only told to go into a store. Now the account is closed they will not have it reopened. I received a letter dated XX/XX/XXXX saying the account was closed because of information on XXXX however nothing has changed at all. What I find odd to is they had just increased my credit limit on the account so if something was wrong on XXXX then why would they raise my limit from {$13000.00} to {$15000.00}. I wish to have the account reinstated.
Product: Debt collection

IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.
Product: Checking or savings account

On XX/XX/year>, I opened a savings account with EverBank and transferred {$12000.00} into it. The very next day, I was locked out of online banking and informed my account was under review. When I called, the representative, XXXX, not only extended the review unnecessarily out of spite but hung up on mea grossly unprofessional act. After waiting their promised 5-10 business days, I was told my account had been closed on XX/XX/XXXX, and a check for my funds would be mailed. Despite requesting it be sent to my current address, they refused. With USPS forwarding, I endured 20 business days only to find no check arrived. I contacted EverBank on XX/XX/XXXX, and a representative, XXXX XXXX XXXX, assured me hed stop the check and process a wire transfer if the funds didnt arrive by XX/XX/XXXX. I followed all his instructions, yet EverBank stalled yet again, claiming the transfer was processed, only to later cancel it without explanation. Every time I call, Im fed lies, inconsistent information, and dismissive attitudes. Representatives have hung up on me, shown XXXX empathy, and made me jump through endless hoops for my own money. To make matters worse, Ive been told to wait for callbacks on multiple occasions and never received a single one. This has been going on for over six weeks, and Ive had enough. I dont want a banking relationship with EverBankI just want my {$12000.00} back immediately. This level of negligence and disrespect is unacceptable, and I demand resolution now. Enough with the delays and excusesthis needs to be resolved TODAY, and I do not want to wait for yet another nonexistent callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, Transunion has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. TransUnion and XXXX only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.
Product: Mortgage

Due to the Coronavirus Pandemic, we chose the forbearance plan on our mortgage for 90 days. My husband and I were laid off from our full time jobs due to the pandemic. Once my husband returned to work, I called LoanCare to cancel the forbearance plan. It is IMPOSSIBLE to talk to a HUMAN on the phone with the company. I had to cancel the forbearance via an automated service which I felt uncomfortable. I called LoanCare multiple times so that I could resolve the accumulated amount for the forbearance. After waiting on hold for over an hour, I hung up. A few weeks ago I started receiving notifications from different credit bureaus that my account has been flagged for being over 90 days late!!! I immediately called LoanCare! Of course I couldn't get on the phone with a human. The recording said that wait times were exceeding 30 minutes and to call back another time. Really?!?! Finally, I got ahold of a human from LoanCare and they told me that the forbearance amount had to be paid immediately after canceling the forbearance or else they can start reporting this to the credit bureaus. We have NEVER been late on a payment! My credit score dropped 116 points!!!!! Now I am in the process of trying to do a loan modification with LoanCare and again I can't get a human on the phone. I called this morning and the recording says wait times are exceeding 30 minutes, call back later. I can no longer log into my account online either! I was using it yesterday and all of a sudden it's not working today?!?! This is the worst mortgage company EVER! Something needs to be done! You are negatively affecting our lives!
Product: Student loan

I established this loan in 2003 as a co-signor for my ex wife. The loan was originally for roughly around {$7900.00} funded by Sallie Mae for her to attend medical billing school it has since been assumed by Navient. 
In 18 years this loan has grown to over {$11000.00} because of all the deferments and forbearance by the primary borrower, so in over 18 years the loan has gotten worse with little to no assistance from the primary borrower. 
I have attempted on several occasions to lower or remove all of the interest and negotiate the principle but have been unsuccessful. 
She attended XXXX XXXX in which was a total rip off and did not help her gain employment in that field at all after completion