23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fay Servicing is a new debt collector where my loan is now in there hands as of XX/XX/21. Previously XXXX was mortgagee. The situation has gotten from bad to worst because these " So Called Investors '' want to take my home so they hire people like this. I am doing all I can to try and save my home. 

I am so afraid because the reviews are so bad on this place, I could not even file a Better Business Complaint because they were overwhelmed. I am going to complain to the Attorney General as well because i am concerned about their unreasonable fee schedule. 

I have been trying to talk to someone on my loan on a weekly basis since XX/XX/21. I was assigned an account manager by the name of XXXX XXXX. She NEVER returned my called it is imperative because I am trying to get my loan current now ( meaning XXXX ). I need a human to speak to in a position of authority. The representatives I have talking to are rude and nasty. XXXX gentleman in particular, went off on me on the phone when I asked about the difference in payment for XXXX, where it looks like they are charging me on the there statement and the XXXX  payment for XXXX is lower. When I asked him he said they would be doing their own analysis and my payment would probably change. This is a scam because I was told when everything transferred over it would mirror the same. This issue needs to be looked in to. I just talked to someone by the name of XXXX XXXX who claimed he would assist me. He also stated there would be no fee if I paid over the phone. I emailed him and yet to receive a response. 

I just had a XXXX XXXX and can not take all of this pressure. I need someone who take there job seriously. I want to make a payment on my loan at the end of the month and there is no option online for me to do it. Also, I had no late charges with XXXX because I had an arrangement to get it caught up. I ask for help in this matter as time is of the essence.
Product: Mortgage

Im XXXX XXXX my address is XXXX XXXX XXXX, XXXX CA XXXX. Im was on a deferral for long term XXXX for 11 months and started experiencing long term XXXX XXXX worse and My mortgage company says I can only have one more month for a total of 12 months under the program I requested 18 months I started my deferral before the deadline. They refused. I need your assistance. I have long term XXXX Im sick from it. Forbearance. 

Thank you XXXX XXXX
Product: Debt collection

On XX/XX/2022. I responded to a notice of a collection of debt from Portfolio Recovery Associates LLC. In my response, I requested the following items to be provided to me in order to validate the debt in which they assumed I owed to them. Those items were listed as follows : 1. The original contract from the original creditor with my signature on it.

2. The payment history and itemized billing associated with this alleged account.

3. The proof of authorization and ownership. How and when did your company get assigned or purchase this alleged debt owed to you.

4. Please provide the name, address, and phone number of the original creditor.

Please provide all requested information to me via mail. If you can not provide all of the requested information to me within 30 days, your attempt to collect the alleged debt will be considered as illusory and you must cease and desist all forms of communication with me. You will also be prohibited from reporting any negative information and false debts owed to you in my name to credit reporting agencies. 

After Portfolio Recovery Associates LLC received my request to validate the assumed debt owed to them, they ignored my request to provide me with these items and instead, they proceeded to report the assumed debt owed to them as a collection account to the credit reporting bureaus. The actions of Portfolio Recovery Associates LLC in their decision to ignore my request, has not only resulted in damages to my credit worthiness. But it has also violated my rights as a Consumer who demanded that the assumed debt which they said is owed to them be validated BEFORE reporting ANY negative items and/or false debts in my name to credit reporting agencies.
Product: Credit card or prepaid card

XXXX XXXX credit cards for dress barn is Robo calling me several times a day, both Robo calls say : Hi, This is XXXX we need to discuss an important business matter regarding your XXXX XXXX account with Capital one. I didnt quote the rest, because Im not positive Im correct. Both calls come from different women named XXXX. One sounds like a young gal, in her 20s. The other sounds like an older woman. I know they are Robo calls because neither voice changes nor does the intonation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to XXXX, XXXX, and Transunion that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX  : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

Transunion : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, XXXX, and Transunion through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed Experian is still violating my consumer rights. I mailed another dispute with a new violation but they are ignoring my dispute as it's been over 1 week since they received the dispute via XXXX  priority mail on XX/XX/23, Please see exbits. They need to Delete the account XXXX  for inaccurate reporting on my credit file.
Product: Credit card or prepaid card

I received a credit card from Comenity bank- THE XXXX XXXX XXXX  card. I did not request or open this account. It is a full on card with number, expiration and CV #. The letter said subject to credit approval. I checked my credit report and it did not show up. 

The next day I received a letter saying there was irregular activity on the account so it was suspended ( still - never activated by me ). Told me to call the fraud line XXXX. If they didn't hear from me it " may be permanently closeed ''. 

I called and was on hold a very long time. Gave up. Looked for another option - report on the site? email? nothing. I called again and was on hold over an hour with no identification of how long it would take. Then they disconnected me. I tried again and the same thing happened. 

Apparently there is no way to talk to them so I give up. I put a fraud alert on my credit report. 

I should not be spending hours of my time to remove this. Please CLOSE THIS ACCOUNT AND FIND OUT WHO IS TRYING TO FRAUDULANTLY OPEN AN ACCOUNT IN MY NAME!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX  XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Creditors and myself have not been able to access my Equifax credit report and scores for years. There is a message stating scores can not be calculated. I have contacted your company too many times to count, and I keep being told it is a technical issue, the technical department will send me an email and they never do. I have filed a previous report in XX/XX/XXXX and to date XX/XX/XXXX The problem still remains, and I am still being denied credit. Your last response was a credit report sent to me. This is not good enough, this problem needs to be fixed by your company, or I will look into taking legal action.
Product: Checking or savings account

There were unauthorized fees and transactions that I did not complete and I was denied the opportunity to dispute them. Ultimately, it urged me to close the account. This was between XXXX or XXXX I believe.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports, as the information reported is inaccurate, unverifiable, and in violation of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX High Balance : {$2400.00} Credit Bureaus Reporting : XXXX XXXX XXXX, and Equifax XXXX and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as open with XXXX but as closed with XXXX and Equifax. This inconsistency violates the requirement under FCRA Section 1681e ( b ) for credit reporting agencies to ensure maximum possible accuracy.

2. Lack of Verification by the Furnisher The remarks indicate the account has been disputed ( " Account information disputed by consumer, meets FCRA requirements '' ), yet no evidence has been provided to verify the validity of the debt as required under FCRA Section 1681s-2 ( b ) and FDCPA Section 809 ( b ).

3. Reporting of Derogatory Information Without Validation The original creditor is listed as " XXXX '' but no documentation has been provided to establish the legitimacy of this collection account. Without proper validation, reporting this account is a violation of FDCPA Section 809 ( b ) and FCRA Section 1681i ( a ) ( 1 ).

4. Inconsistent Dates The Date of Last Activity varies between bureaus : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> This inconsistency casts doubt on the accuracy and reliability of the information, violating FCRA Section 1681e ( b ).

5. Unverifiable Past Due Amount None of the credit bureaus provide details of a past-due
amount or payment history, making the account unverifiable and in violation of FCRA Section 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to submit an auto loan application. The company that I submitted the loan application to said that I could not complete the application online because of a credit freeze. I spoke to a customer service representative on XX/XX/2020, and she said that there was a credit freeze by Experian. The customer service representative was correct. I had placed a credit freeze on my account by Experian. I had forgotten my PIN for unfreezing it and contacted Experian. After much time trying to contact a human being, I finally spoke to a customer service representative who then took me through a script to confirm my identify. She asked about the monthly mortgage payment, my monthly car payment, employer, and date of birth. She said that one of my answers was incorrect and that I would have to submit my request to unfreeze my credit in writing. 

As you can imagine, I had already spent significant time on hold. I was also looking right at my online bank statement when answering the questions, so I am confident that my information about my mortgage payment and car payment were correct. The employer and date of birth questions were not an issue. 

I wanted to submit this complaint to highlight the fact that Experian is using a software program with inaccurate data, which only serve to make a cumbersome process even more complex and less helpful for the consumer. I urge you to compel Experian to ensure that whatever program it is using to verify identities is actually using correct data. Experian 's error will now put off a car buying decision by two weeks, at a time when our country is trying to get back on its feet from the Coronavirus emergency. Thank you for your consideration. 

Very truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent a written XXXX about removing soft inquiries from my credit report per 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my girlfriend and I went to XXXX XXXX to purchase a reclining sofa and recliner chair. We found a set we liked. The salesman gave us paperwork to fill out. Both of us. Our names, address, income, etc. After a while a lady at a counter called me up holding the phone to her chest telling me, " If the bank asks, tell them you make {$5.00} a month. '' I asked why but she said nothing. I thought she was joking because I spoke with the bank and they didn't even ask me about my income. The salesman approached us telling us we were approved for the furniture we wanted. Great. I assumed it was a {$2500.00} approval because that's how much the furniture cost. Come to find out on XX/XX/XXXX that was not the case. The furniture store did in fact tell the bank I made {$5000.00} a month. I don't even make {$1000.00} a month. The fact that the furniture store lied to the bank is fraudulent. They committed fraud with my name and information. The bank gave me a {$10000.00} line of credit. When I called the bank they told me the reason being was because they were told I made {$5.00}. I told them that was a lie and they needed to remove it from my credit report. All XXXX did was update my credit with the bank. I want it removed. I DID NOT ask for that much credit. It has hurt my credit. The bank refuses to do anything about it and XXXX won't remove it. I want the account completely removed. I told XXXX it was fraud from the get go. I'm taking the furniture store to court for this.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have already made efforts to resolve these issues with them directly. They are violating my rights, and I am entitled to {$1000.00} for each violation mentioned. They need to either compensate me or delete these accounts immediately.
Product: Money transfer, virtual currency, or money service

I used XXXX online to send money to one of our family friend XXXX XXXX XXXX in XXXX. The XXXX transaction id is XXXX. My friend never received the money and they didnt refund me either. I have tried to reach them multiple times. Every time they say that their partner bank is not responding and will update me. But they never update me and its lost case at point. I need help of authority who can help me get my money back. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX I request to have the above accounts and inquiries removed from my credit report.
Product: Student loan

Navient ( formerly known as XXXX ) refused to release any substantial evidence on my loan while it was being paid for. They would only release my monthly statement and refused to issue in writing any records to indicate all transactions made to date so I could reference the paperwork to determine if I was being charged an accurate amount on interest or if my payments were being applied to the principal correctly. This does not seem to be legal as it negates in my ability to insure my loan is being treated fairly.
Product: Credit reporting or other personal consumer reports

My Identity was stolen. I have included my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Writeup : 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 told XXXX, XXXX, and Equifax to reinvestigate these accounts : Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I spoke with XXXX in collections at First Tech Fed in late XX/XX/. We agreed on a payment of {$100.00} per month to pay off debt and to keep the account in-house - not to send it to their collections agency. 

No written communication was sent on the agreement. 

I week later, I receive a notice from their agency XXXX XXXX saying the debt was sent out to collections. 

I called XXXX XXXX, they confirmed the debt was owed to them. 

Today, I get a call from XXXX First Tech asking me if I was going to make the payment of {$100.00}. 

This is manipulation, obfuscation, an attempt at collecting the debt twice and disparaging my name with the credit bureaus at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to update my correct employment information, preventing me from applying for a home loan.
Product: Mortgage

I bought a house in XXXX XXXX Hawaii in XXXX, XXXX. The mortgage broker, XXXX, placed the loan with XXXX but agreed to handle the escrow accounts. Over the first year, XXXX paid my hazard insurance and property taxes and added a monthly amount to my mortgage payment so that the policy and property taxes could be paid out of escrow the next time they came due. 

In XXXX, XXXX, Servicemac LLC purchased my loan. XXXX and I took immediate steps to have the escrow accounts transferred to Servicemac. I spoke with XXXX staff weekly. I sent emails to Servicemac weekly in XXXX, XXXX, and XXXX. 

Servicemac sent me warnings every week that I had to produce proof of hazard insurance. Obviously, since Servicemac had the funds I placed in escrow for the purchase of hazard insurance, it was not my obligation to purchase hazard insurance. On at least 6 occasions, I told Servicemac this and gave them the name of my hazard insurer and a copy of the policy that had been in force during XXXX. 

On XX/XX/XXXX, I received a " Notice of Lender Placed Hazard Insurance '' from Servicemac. The premium is more than twice what was due XXXX XXXX. I have sent more letters to Servicemac, but at this point, it is clear to me that Servicemac simply refuses to acknowledge its legal duties. I am willing to guess that it does this with a substantial number of the loans it purchases, insisting on the benefits of the contract but denying the obligations.

I want CFPB to fine and otherwise punish Servicemac, up to and including revocation of its license to participate in federal mortgage lending activities.
Product: Credit card or prepaid card

My card was used by someone while I was not in the coun try ( USA ).    I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was  not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.
Product: Credit reporting or other personal consumer reports

The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : 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: Debt collection

XXXX XXXX XXXX call me every day try collect account under my name form XXXX XXXX ( time Share ) Rude person. XXXX dispute w credit bureau because im never sign papers w my SS in XXXX
Product: Debt collection

Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.