23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received an email from XXXX claiming to be from the National Recovery Agency ( NRA ) regarding an alleged outstanding medical debt. The email stated that I owed {$1500.00} to XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX listed as the original creditor. 

The email provided an NRA ID, a supposed account number, and a payment portal link. It also contained a statement about my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, I do not recognize this debt, nor have I received any prior communication about it.

Actions Taken : Verification Attempts : I checked my records and found no outstanding debt with the mentioned creditors. 

Fraud Reporting : I attempted to report this to the Federal Trade Commission ( FTC ), but they directed me to the Consumer Financial Protection Bureau ( CFPB ) instead. 

Security Concerns : I did not click any links or respond to the email, as it has characteristics of a phishing scam. 

Given the suspicious nature of this email, I am filing this complaint to verify whether this debt is legitimate or if this is a fraudulent attempt to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX Please ensure that all information is accurate 3.The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.

4.The folowing account is not mine XXXX Account Number:XXXX Please remove it from my credit report.
Product: Mortgage

I noticed billing error in my agreement. I endorsed my promissory note which is a negotiable instrument and made payable to the company. They received XX/XX/2023. 

XXXX. NEGOTIABLE INSTRUMENT. 
Primary tabs ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time; and.

I requested that they return my tender and also file a 1099 C so that I can properly discharge the debt due to house joint resolution XXXX. 

The company refused to file or accept my negotiable instrument as payment. 

The loan agreement states that they gave me money for the mortgage but I never recieved any money. Upon the contract I gave the promissory note on my end of the agreement but the funds were not loaned to me from the company financial assets. 

This company acquired my mortgage which was originally sold to them without my consent or acknowledgement from my previous agreement.

12 U.S. Code 83 - Loans by bank on its own stock ( a ) generaL prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock I believe my entire contract was fraud, and the company stated they have a lien on my property but I have found no such this in the state records. I have certified Ucc 11 from Secretary of State.

31 U.S.C 3123 18 U.S.C 8 U.C.C 3-603 U.C.C 3-604 U.C.C 1-308 15 U.S.C 1681
Product: Checking or savings account

I started an application for a checking account with Citibank which was never completed yet it shows in my credit report as open. I started a dispute with XXXX and they concluded that it was correct, I don't know the basis for that decision. I contacted Citibank and I was told that the account was never sent to the Credit agencies. 

I believe that it should be removed as it's not accurate. 

Thanks.
Product: Credit reporting or other personal consumer reports

I'm a XXXXXXXX XXXX XXXXXXXX XXXX. I'm having trouble moving where I currently reside, I've filed complaints, but, because of my credit score, Im having difficulty in moving. So, I felt that I needed to see a copy of my credit report. I chose Experian, since they own the other two reporting agencies anyway!

I just queried Experian online to request my free annual credit, which they in turn supplied to me, online. However they tried to FORCE me to create an account with Experian before I could see my actual SCORES. The membership will then require a NEAR future pmt in order to stay active!!!

Consumers are legally entitled by the federal government, on a yearly basis, to see their SCORES FREE!!! Experian deliberately makes it difficult, if not IMPOSSIBLE, to access a consumers actual scores!!! 

I want my Credit Scores from these XXXX, without ANY deviousness!!! 


Please help me, and thanks in advance for your efforts, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 


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

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 AT XXXX XXXX  RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION . I NEVER RECEIVED A RESPONSE FROM XXXX. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO XXXXXXXX. ON XX/XX/2020 I RECEIVED AN UPDATE FROM XXXX  THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED ( XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE SPECIALIST DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.
Product: Mortgage

It has been over thirty days since I field a complaint with you regarding ( XXXX XXXX ) this company and attempt to take my home. I have paid my mortgage up and will be paying the escrow amount that is due yet I receive anywhere from 5 five phone calls a day from the mortgage. When i contact them I am still being given the run around. I need assistance with this company who is making every attempt to defraud me and take my property, PLEASE HELP. stop this harassment.
Product: Debt collection

Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.
Product: Consumer Loan

I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.
Product: Debt collection

XX/XX/2024 I am unaware of this alleged debt that the Eastern Account Systems stated I owe them in the amount of {$90.00} that I supposedly opened with them XX/XX/2024. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Product: Mortgage

After being approved for a loan mod in 2016 and making several trial payments ( which are currently being held by the mortgage co. ), my docs were not signed due to my being unable to verify outstanding loan amounts and charges with back-up documentation provided by the service provider. After finally receiving requested pay-off information and corrections to my credit reporting by the agency, I again completed a new loan modification per instruction by Shellpoint Mtg Servicing. My application was denied ( after previously being approved ) with no formal reason provided or opportunity to address any disqualifying factors. The sale date is fast approaching and as of today, I do not have a written explanation to provide to legal council or tax advisor, which is an unfair practice leaving me at a terrible disadvantage in efforts to resolve the matter and keep my home.
Product: Payday loan, title loan, or personal loan

About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.
Product: Credit reporting or other personal consumer reports

My credit report contains billing errors, with late payments that are out of sync with my usual history. Please update my account accordingly to fix these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

I am unable to obtain a free copy of my credit report form Experian. Every year for the past XXXX  years I am always refused a free copy of my credit report from Experian. 

Experian has denied me a free copy of my credit report each year for the past XXXX  years.
Product: Credit reporting or other personal consumer reports

It was shocking to discover inaccurate accounts on my credit report this evening. I have no idea how this happened. I check my credit report regularly, and suddenly, there were discrepancies that Ive never seen before. I tried refreshing my browser to see if it was an error, but the incorrect accounts stayed on my report. Im really concerned and ask that my documents be carefully reviewed so I can stop worrying about this.
Product: Debt collection

I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.
Product: Mortgage

On XX/XX/2019 I sent Harmon Law, PC ( separate party ) a 93 A letter whereas whom they represent for foreclosure actions, XXXX XXXX XXXX XXXX XXXX. Today I received their response which is NOt a legal response to it! ( see attached pay off quote ) its client sent me a payoff quote from instead of answering it directly. This is not a legal response. Please see also on page 13 pgh 2 last sentence of the court decision it states ( please see also attached court ruling on XX/XX/2019 pg 13, pgh 2 ) that there is no value whereas there is no note to put a value on my home in question. Not only did Harmon Not respond with a legal 93A required response but it also did not acknowledge the fact that having no original promissory note and mortgage there is no real value to foreclose on my home with. Please see 93A letter sent to Harmon it specifies which rules and or regulations are being violated here. This letter is directed at Harmon Law, PC. 

This court ruling file ( too large ) can not fit on this site so I am attaching page 13, pgh2 from it. 
Again this action is for Harmon Law, PC ( foreclosure mill ).
Product: Credit reporting or other personal consumer reports

To whom this may concern, Hi, I am attaching a FTC report containing XXXX fraudulent accounts on my credit reports. I mailed these in also with cover letter containing the same information.
Product: Debt collection

I got out of XXXX XXXX in 2021. My leave started XX/XX/2021. I submitted my leave form, my orders, and a copy of my DD-214 to my apartment manager. I gave them a forwarding address and they sent me a bill that I paid. XX/XX/2021 they put a collection my credit report saying that I owed {$3200.00} for breaking my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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: Credit reporting or other personal consumer reports

There was an attempt to open an account with XXXX XXXX. Inquiring about a letter I received informing me I was denied credit with XXXXXXXX XXXX XXXX I called XXXX XXXX XXXX As of XXXX, I had been sick for XXXX days due to a XXXX XXXX. Credit cards were not applied for by me.
Product: Consumer Loan

I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. 
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. 
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.
Product: Credit card

Mid to late XXXX, I wanted to trade my car in so I checked my credit to see what kind of rate I might get. I noticed that there was a hard inquiry on my report listed by Capital One. I found the inquiry alarming because I was dealing with fraud where an individual opened up a XXXX XXXX account using my name and social security number and I was receiving letters regarding car loan applications I never applied for! The Capital One inquiry showed up one month after I opened up a XXXX credit card. I 've been with Capital One for years, I have a checking, savings, Platinum, and XXXX card which were all in excellent standing. I contacted " All Clear '' my credit monitoring service to assist me with the matter. XXXX the representative from " All Clear '' and I contacted Capital One to inform them of their error. We were able to speak with a representative in Capital One 's fraud department and explained that there was a hard inquiry showing upon my report one month after I opened my XXXX card. I opened my XXXX card ending in XXXX, in XXXX of 2014, that inquiry hit the credit bureaus on XXXX XXXX, 2014. The erroneous inquiry showed up on my report with the date XXXX XXXX, 2014. After explaining the situation to the representative, it was clear there was either a clerical error or fraudent activity happen. The representative said that they would pull my initial application and check what was on file and see if there was a second application for the date in question. We were asked to follow up in a week or so. XXXX and I followed up a week after the initial contact with Capital One and their fraud department and were told that the application had not been pulled, but they believed it was a clerical error and they would more than likely remove the inquiry from my report, but it was a different department which handles that. We checked in several times after seeking status on our request, only to be transfer to XXXX incompetent person after another. We were told that this is a fraud case now and Capital One restricted and suspended both of the credit cards I have for years and paid promptly on! I received a letter in the mail stating the card ending I pin XXXX, was now closed due to fraudent activity! What!!!! They removed the incorrect inquiry on my credit report, and left the XXXX XXXX, 2014 inquiry on my report. Thank about incompetence. Later realizing the gervious errors they made instead of apologizing they made they changed my card number which was in good standing to a different number. They said they would not issue me another card, but would leave this card open for payment and if I wanted the card reinstated paperwork would follow ( which it did ) that I would have to fill out and have notary stamp and witness. This was their mistake no thank you, I do n't want any of your products. XXXX and I called Capital One weekly almost on a daily basis to get some resolve and recourse for the problem they have caused with no avail!! To add insult to injury along with no call backs from a supervisor, they are reporting me late on my credit report on a card account that does not mine. Please help me!!!
Product: Credit card or prepaid card

I received alerts from XXXX, XXXX XXXX and XXXX XXXX regarding a credit monitoring alert for Synchrony Bank. I called Synchrony Bank about an inquiry that was found on XX/XX/2023 with Synchrony BankXXXX . The representative let me know an account was opened at XXXX XXXX and charge in excess of {$2900.00}. The representative transferred me to the fraud department. The next representative said she'd flag my account and alert all three credit bureaus regarding the account and the associated charges. 

I also contacted XXXX XXXX XXXX and was advised to file a report here and/or at the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit report that I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX